vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute and Notice of Negligence under 15 U.S.C. 1681o ( Fair Credit Reporting Act ) To Whom this may concern, I am writing to formally dispute inaccurate information on my credit report and to address your organization 's negligent failure to comply with the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S.C. 1681o. 
Upon reviewing my credit report dated XX/XX/XXXX, I identified the following inaccurate information : That of the following disputed accounts or items that are not on this list of things that are mine, such as XXXX XXXX, Self, capital XXXX, XXXX finances, XXXX main Financial, affirm, klarna, my only address is the XXXX stated at the top of this letter, my phone numbers are XXXX and XXXX these items are mine everything else should have not been still on my credit reporting. 

Under the FCRA, you are required to ensure the accuracy of credit information and conduct a reasonable investigation when disputes are submitted. Your organization 's failure to maintain accurate records and investigate my previous dispute ( XXXX ) has resulted in financial and reputational harm, including not being able to build a business, out of pocket spending back and forth to mail off the disputes, also such as loan denials, increased interest rates, emotional distress and more. 

As stipulated by 15 U.S.C. 1681o, you may be held civilly liable for negligent non-compliance with the FCRA. Therefore, I am requesting the following immediate actions : Correction/Deletion : Remove or correct the disputed information from my credit report. 
Written Confirmation : Provide confirmation of the correction and an updated credit report. 
Compensation : Address any damages caused by your negligence, as permitted by law. 

Please treat this matter as urgent and provide a written response within XXXX  days of date above in compliance with FCRA guidelines. Failure to respond adequately will compel me to pursue legal remedies to protect my rights. 
I have attached copies of my ssn and utility bill for your review. 
Thank you for your immediate attention to this critical matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred.Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits.This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Fail to report accuracy Fail to reinvestigate and dispute inaccurate information inclusion of obsolete of credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX : XXXX XXXX XXXX XXXX : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC.
State: NJ

Complaint narrative:
I opened an online high yield savings account at XXXX XXXX spring of XXXX ( whose parent bank is XXXX ). XXXX after I opened it, for a period of XXXX months, XXXX XXXX quietly lowered my interest rates while it continued to offer the highest available interest rate only to new customers. But this was not clear. XXXX made it appear that the interest rate listed on the website was the one I had. Behind the scenes XXXX would change the generic name of the high yield savings account product every few months and make the previous one a legacy product. My rate was lowered XXXX to .75 %. Since my balance was low XXXX figures XXXX guessing I lost $ XXXX of interest income because the bank was not forthright. 

When I contact UFB I'm blown off and told their disclosure statement states interest rates can change at any time. But I really think the way XXXX did it was purposefully deceptive if not fraudulent. There are many reviews online at XXXX XXXX, BBB, etc that this happened to other people. There has been what looks to be the start of a class action lawsuit/legal docs online too ( see attached PDF of beginnings of class action suit ). I can only XXXX how many people opened high yield savings accounts while the Fed raised interest rates to the highest level in decades. If I lost {$1000.00} what did other people lose? Millions? What recourse do I have? Not a lot because legally each plaintiff is required to use arbitration first. Class action suit is very difficult. 

I had balances at XXXX other/different online banks and not XXXX of them lowered rates during the period the Fed raised XXXX. These other banks notified me when my rates was lowered which didnt happen until XX/XX/XXXX. 

I read an article on CFPB taking action against Capital XXXX ... which sounds very similar to what happened to me with XXXX XXXX Bank XXXX I decided to post a complaint in hopes CFPB can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian 's job is to monitor my credit, not to sell credit cards. Once a month I log into my Experian account only to be bombarded with offers to better my XXXX XXXX ( XXXX as of XX/XX/XXXX ) through financial products that only Experian can provide, and offer 's of credit cards that Experian assures me I'm qualified for. There was a particular credit card that I wanted to apply for, The XXXX XXXX XXXX XXXX, so through Experian 's link I applied for it. For reasons unknown to me I was instantly turned down. I have have a fairly high XXXX XXXX, earn a XXXX figure income, and have worked for the same company for nearly 17 years, so I was left wondering why I got turned down, especially since Experian assured me that my credit profile was a good fit for the card they were promoting. I called Experian 's XXXX Department, but predictably they were of no assistance. They pushed me to the XXXX Department, but I wasnt able to speak with a live representative, by design no doubt. 
From my perspective, I was baited with offers of credit that Experian 's credit profile for me suggests XXXX qualified for, then after I was denied credit, Experian washed it's hands of responsibility. The credit application has negatively affected my XXXX XXXX ( XXXX points ), which ironically Experian will provide to future creditors. XXXX blaming Experian for baiting me to apply for a card I was not qualified for, knowing it could adversely affect my XXXX XXXX. 
I applied for credit through Experian on the assumption that Experian was operating in good faith, but that doesnt seem to be the case here. I requested a detailed explanation, in writing, on XX/XX/XXXX, but received no response, written or otherwise. A credit reporting agency has no business going into credit repair or credit card promoting. It's a conflict of interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer saftey.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: MD

Complaint narrative:
Alleged Original Creditor : XXXX XXXX Alleged Original Account Number : XXXX Alleged Account Number : XXXX Alleged Debt Amount or Balance : {$1000.00} I am writing to formally dispute an alleged debt that XXXX XXXX XXXX, XXXX. is attempting to collect. I recently received communication from XXXX XXXX XXXX, XXXX. regarding the above-referenced debt. This communication was received within the last 30 days. I dispute the validity of this alleged debt in its entirety and am requesting verification of the debt. Specifically, I request that XXXX XXXX XXXX, XXXX. provide a copy of any contract or agreement with the original creditor, XXXX XXXX, signed by all relevant parties. I do not owe the amount in question, and XXXX XXXX XXXX, XXXX.is illegally attempting to collect money that I do not owe. Furthermore, I request that XXXX XXXX XXXX, XXXX. cease and desist all collection activities, including reporting this alleged debt to any consumer reporting agencies. If any reporting has already been made, I request that they promptly delete it from my credit file. If these actions are taken within 14 days, XXXX XXXX XXXX XXXX XXXX. will be excused from further verification of the debt. Please note that I may escalate this matter to an attorney if XXXX XXXX XXXX, XXXX. fails to comply with these demands. Thank you for investigating this matter and ensuring that my rights as a consumer are protected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I'm filing this complaint under the FCRA due to the willful noncompliance of the credit bureaus & data furnishers improperly investigating my disputes, as required under 15 usc 1681 & 15 usc 1681 A-2 ( B ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation & have continued to report inaccurate information to my credit report. Furthermore, the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. This failure to uphold their responsibilities under the FCRA constitutes a violation of my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year>, I received a denial letter for a credit application for the Chase Freedom Rise credit card.

Chase received and accepted the application with a digital signature which makes it a collateralized security. I have been studying securities transfers, the banking system, the Federal Reserve Bank and all the processes surrounding value, notes, securities and obligations. I have read that every obligation is backed by the full faith and credit of the United States. That credit is collateralized by signatures of people on security instruments. An application is a security instrument that becomes collateralized once signed. 

I called the reconsideration line on XX/XX/XXXX, XXXX because even though Chase accepted and received my collateralized security, a credit line was not issued. We need to balance the books. I made my case rebutting the reasons listed in the denial letter. I shared my income information, demonstrated little to no debt, explained how I have been a Chase consumer for ten-plus years, and answered questions about recent credit accounts I have been approved for. Chase, as a securities transfer agent, will take my application and request notes using that collateralized security. I asked for retraction and return of my application, but the representative would not or could not do it.

The Federal Reserve Act Section 16 part 1 and 2 explain the process of using bank acceptances to request the notes. Chase accepted my signed application but denied opening the credit account even though the application is backed by the full faith and credit of the United States, collateralized by my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
I am submitting a complaint for XXXX for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, XXXX has not fulfilled its legal obligations under the FCRA, including insuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) and conducting a proper reinvestigation to remove the errors within the required 39 day period 15 U.S.C. 1681i ( a ) ).

Company response to consumer: Closed with explanation