vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Credit Bureaus have failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against them, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX, Equifax XXXX XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as their inactions violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: AZ

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

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 2025-01-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX of XXXX I checked my credit report and noticed an account that has been tampered with and reaged by equifax resulting in me receiving recent late payments on an account that was paid in full and closed since XX/XX/XXXX. This has now heavily impacted my credit score and led to me being denied credit. I have attached and highlighted my reports for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX showing the discrepancy in reporting. I have also attached payment receipt and my Fico report showing the recent reported late payment. Paid in full and closed accounts should NOT be reporting any late payments after account has been closed. I have copies of everything and will be sending them attached to this complaint as i have disputed this multiple times and nothing was done about it. 

Account Name : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
My name is XXXX XXXX, and I am writing to explain the circumstances surrounding the theft of my identity and the resulting legal actions. 

I discovered that my identity had been stolen, and someone has been using my name illegally to open accounts and engage in criminal activity. These actions were conducted without my knowledge or consent and have caused significant damage to my reputation and personal records. 

Due to the severity of this matter, the District Attorney in my city/state reviewed the case and concluded that I was not responsible for the fraudulent activities attributed to my name.

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 2025-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
RBFCU terminated my debit card due to many fraud claims that was not my fault at all. I tried to rectify the situation with XXXX  and they were no use so I had to contact my bank. What are banks for i we can not report problems if the first source will not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 2025-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX and I am writing to explain the circumstances surrounding the theft of my identity and the resulting legal actions. 

I discovered that my identity had been stolen, and someone has been using my name illegally to open accounts and engage in criminal activity. These actions were conducted without my knowledge or consent and have caused significant damage to my reputation and personal records. 

Due to the severity of this matter, the District Attorney in my city/state reviewed the case and concluded that I was not responsible for the fraudulent activities attributed to my name.

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 2025-01-19 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: TX

Complaint narrative:
My name is XXXX XXXX and I am writing to explain the circumstances surrounding the theft of my identity and the resulting legal actions. 

I discovered that my identity had been stolen, and someone has been using my name illegally to open accounts and engage in criminal activity. These actions were conducted without my knowledge or consent and have caused significant damage to my reputation and personal records. 

Due to the severity of this matter, the District Attorney in my city/state reviewed the case and concluded that I was not responsible for the fraudulent activities attributed to my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
When sending money through XXXX and if its sent to the wrong person. The banks wont get you your funds back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: CA

Complaint narrative:
I AM A VICTIM OF XXXX XXXX AND I NEED YOUR ASSISATNCE TO HELP ME BLOCK THE INFORMATION THAT IS IN RESULT OF 605C XXXX XXXX AND PLEASE BLOCK AND REMOVE THE ADDRESS OFF MY CREDIT REPORT AND ONLY LEAVE MY CURRENT ADDRESS WHICH IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX IS REFUSING TO REMOVE THIS FRUADULANT ADDRESS OFF MY CREDIT REPORT THEY KEEP TELLING ME THAT ITS LINKED TO AN ACCOUNT WHICH I HAVE EXPLAINED TO THEM THAT THE ADDRESS 'S ARE LINKED TO XXXX XXXX AND ITS NOT MINE. THEY STILL DIDNT CARE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: CA

Complaint narrative:
I AM A VICTIM OF XXXX XXXX AND I NEED YOUR ASSISATNCE TO HELP ME BLOCK THE INFORMATION THAT IS IN RESULT OF 605C XXXX XXXX AND PLEASE BLOCK AND REMOVE THE ADDRESS OFF MY CREDIT REPORT AND ONLY LEAVE MY CURRENT ADDRESS WHICH IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX EXPERIAN IS REFUSING TO REMOVE THIS FRUADULANT ADDRESS OFF MY CREDIT REPORT THEY KEEP TELLING ME THAT ITS LINKED TO AN ACCOUNT WHICH I HAVE EXPLAINED TO THEM THAT THE ADDRESS 'S ARE LINKED TO XXXX XXXX AND ITS NOT MINE. THEY STILL DIDNT CARE.

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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Someone added my chase debit card and sent out XXXX $ and chase never refunded it saying since it was already sent there was nothing they could do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
( 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 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am writing to formally dispute the inaccurate information reported on my credit report regarding my Credit Card account XXXXI have identified that late payments have been incorrectly reported, negatively affecting my credit score. 

Under the **Fair Credit Reporting Act ( FCRA ) **, specifically **15 U.S. Code 1681i** ( correction of inaccurate information ) and **15 U.S. Code 1681s-2** ( responsibilities of information furnishers ), credit reporting agencies and information providers are required to ensure the maximum possible accuracy of credit reports and correct any errors in the data provided.

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 2025-01-20 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: MS

Complaint narrative:
Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) by not conducting a reasonable investigation of disputed information on my credit report. Despite submitting a formal dispute regarding inaccurate information, Experian has not investigated the matter thoroughly or provided any meaningful resolution.I am aware that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian, alleging systemic issues, including failing to forward consumer-provided evidence to furnishers, accepting unreliable responses from furnishers, and failing to adequately notify consumers of dispute outcomes. My experience reflects these same concerns. These failure align with my experience, where Experian has neither correct nor removed disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filingg 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 an 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 arrow resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenient and financial loss, and I seek appropriate redress for these violations for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I requested investigation of some accounts which were not investigated at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The following account are not mine and are unauthorized and need to be removed from my credit report Account name XXXX XXXX XXXX XXXX Account number XXXX Credit inquiries : 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 explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Iam filing a complaint with the CFPB regarding capital one failure to deposit my direct deposit from. My employer and any other incoming deposit capital one has cited technical issuesd which my violate electronic funds transfer Act ( EFTA ) as it requires timely access to funds this situation raised concerns about consumer protection laws and I request your assistance in investigating this matter to insure my rights are upheld thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: GA

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 the 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 avaliable funds I believe these practices are unfair and request and 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 2025-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Demand for Account Blocking and Deletion under 15 USC 1681c-2 ( a ) To Whom It May Concern, This letter serves as a formal demand under 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). I am a victim of the XXXX data breach, which compromised my personal information and resulted in fraudulent accounts being opened in my name.

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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

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 2025-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Accounts with Potential Errors or Discrepancies 1. XXXX XXXX Issue : This account shows 60 and 30-day late payments, but it is marked as Paid, Closed. If the account is closed and paid in full, Experian should clarify why late payments are still reported.

Dispute Reason : Late payment history on a closed and paid account could be inaccurate.

2. XXXX XXXXXXXX ( Account # XXXX ) Issue : The account is marked as Charged Off with {$720.00} written off and listed as past due. Additionally, this account was in dispute previously, but it was marked as unchanged.

Dispute Reason : Confirm the legitimacy of the charge-off and verify if Experian properly investigated the past dispute.

3. XXXX ( FHA Mortgage ) Issue : Account shows {$6100.00} past due, along with 120, 90, and 60-day late payments over several months.

Dispute Reason : Ensure that the late payments are reported accurately, especially if youve made any partial payments or reached out to resolve the delinquency.

4. Jefferson XXXX XXXX ( Debt Buyer ) Issue : Collection account with {$850.00} past due as of XX/XX/year>. The original creditor is XXXX Credit Card. 
Dispute Reason : Verify whether this debt is legitimate and ensure no inaccuracies, such as duplicate reporting. 
5. XXXX XXXX XXXX ( Account # XXXX ) Issue : Collection account with {$560.00} past due as of XX/XX/year>. This account also lists Collection statuses consistently without detailed payment history.

Dispute Reason : Validate the debt and ensure accurate reporting of payment history or collections. 
6. XXXX XXXX XXXX XXXX : The account is marked as Charged Off with {$32000.00} written off, and there are multiple late payment entries ( 180, 150, 120 days past due ).

Dispute Reason : Confirm that the charge-off and late payment history are accurate. 
7. XXXX XXXXXXXX XXXX XXXX Issue : Account charged off with {$960.00} written off, and late payments are listed ( 150, 120, and 90 days past due ).

Dispute Reason : Validate the late payment history and confirm that the charge-off is reported correctly.

8. XXXXXXXX XXXX Issue : Account is marked as Charged Off with {$490.00} past due. Additionally, there is a discrepancy in how payments or collections were reported. 
Dispute Reason : Investigate whether the charge-off was reported accurately and whether payments were applied correctly.

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 2025-01-19 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: GA

Complaint narrative:
I am filing a complaint against Experian for failing to investigate my disputes regarding inaccuracies in my credit report properly. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate or verified, without providing 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. This is the date of the return letter from Experian on XXXXXXXX XXXX XXXX, file number # XXXX : XXXX XXXX XXXX  XXXX # XXXX ( discharged bankruptcy, which I don't have a bankruptcy on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These is the items that Experian claims they did an investigation on but sent no evidence to me to verify it.

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