vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, around XXXX PM, the ATM at Chase Bank near XXXX XXXX XXXX " ate '' my money, and it never came out. The transaction to pay for my credit card didn't go through. I have all the evidence : photos and receipts. But they just don't refund me anything and did not compensate me after XXXX months. 

The amount is {$1.00}. 

I called immediately after that happened, but the woman on the phone said I needed to visit in person. RIDICULOUSLY, I went to that bank again the same week, and they said they could not help me get my money back.?????? The machine is just outside the door of this bank ; how cant you help? They said I needed to call. When I asked the bank counter some other questions, the woman even lied to me. Ridiculous. 

I called again, but they said they were out of business hours and needed me to call back. 

I'm so tired ; it's just {$1.00}. I don't want to waste more time dealing with these unhelpful people at XXXX. But I think that is MY MONEY, and I NEED IT BACK. 

I called again, but the unfriendly and unhelpful XXXX representatives just kept transferring me from one to another and did not solve the issue in XXXX minutes of phone calls. 

I NEED COMPENSATION for the time and the phone bill I spent dealing with those unprofessional Chase bankers. It's so annoying and makes me soooooooo ANGRY...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SD

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I called Equifax several times to request that my address be corrected. I mailed a copy of supporting documents to verify my address. It has not been done. I have never lived at the address listed, nor have I ever listed it as my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: TX

Complaint narrative:
Experian has 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 Experian, 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 Experian has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the 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 2025-01-21 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: TX

Complaint narrative:
I am writing to file a complaint against Navy Federal credit union for multiple overdraft I have incurred Despite having insufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and credit. This issue aligns with the recent CFPB findings against Navy Federal for a similar practices where transaction settled with insufficient funds. I believe these transactions are unfair and I request an investigation into my account and my 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 2025-01-21 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX has XXXX following information incorrect on my experian and XXXX report XXXX Last Reported : ( Dates do not match ) Date Last Active : ( Dates do not match ) Date of Last Payment : ( Dates do not match )

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 2025-01-21 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:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit.Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX and XXXX credit reporting agencys, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts, collections and loans.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ACCOUNT - XXXX XXXX XXXX DATE- XX/XX/XXXX ACCOUNT- XXXX XXXX XXXX  -DATE- XX/XX/XXXX ACCOUNT - XXXX DATE- XX/XX/XXXX ACCOUNT- XXXX XXXXXXXX - XXXX XXXX XXXX, XXXX, ACCOUNT- XXXX XXXX XXXX DATE- XX/XX/XXXX and all inquiries attached, I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lendmark Financial Services
State: VA

Complaint narrative:
I reported to Lendmark Financial years ago that they were reporting an account that was given to them with valid FTC reports that I was a victim of Identity theft twice with listed FTC reports. They gave me a Affidavit in which their So called XXXX XXXX was supposed to void the account & cleared but never process the complaint. After the the Bureaus determinef they were prohibited from no longer reporting on my record under FCRA law they continued to keep record on their data based this year in 2025 when I applied this month in XXXX after being told I was approved for a {$8000.00} loan but their branch mgr said their XXXX had discovered the previous reported account was never discharged keeping me from being approved. I have been grieved of this process for weeks having to investigate & call their XXXX XXXX XXXX  XXXX XXXX XXXX who promised to help but of course did nothing but sent me a email that said it could take over 30 days that would make my loan approval longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: CO

Complaint narrative:
I applied for a loan from this company XX/XX/XXXX. The loan I applied for and agreement that I electronically signed said the loan amount would be {$800.00} and the pay back amount would be {$1800.00}. As of today I have made my monthly payments which total to {$5300.00}. This is way more than I agreed to. Ive tried to close this account, stop the payments, find out why this is happening. They took my normal payment of {$200.00} out of my account on XX/XX/XXXX and then on XX/XX/XXXX they took out XXXX unauthorized payments in the amounts of {$680.00}, {$170.00}, {$510.00}, causing my bank account to go negative and giving me overdraft fees. I dont understand why or how this company can think it is okay to give someone an {$800.00} loan, claim that the payback amount is {$1800.00} with no hidden fees and then proceed to demand a repayment of {$6700.00}. This is an interest rate of over 740 %. Not to mention the random unauthorized payments that I never agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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 properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian 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, Experians 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. I have tried contacting this debt collection agency and they reported this to my credit during a dispute which is illegal. The agency is XXXX XXXX and they never verified this ALLEGED DEBT with me at all!

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 2025-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My account was affected by a data breach due to XXXX, XXXX, TransUnion,

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 2025-01-21 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: MI

Complaint narrative:
My account was affected by a data breach due to Equifax, XXXX, XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: AR

Complaint narrative:
I am writing to file a formal complaint against Experian for their mishandling of my credit report, which has resulted in inaccurate accounts, collections, and inquiries being reported. This has caused significant harm to my credit score and overall financial health.

Here is a summary of what has occurred : Inaccurate Accounts and Collections : Multiple unauthorized accounts have been reported on my credit file These accounts were not authorized or opened by me. Despite my efforts to dispute these entries with Experian, they remain on my credit report, reflecting negatively and unfairly on my credit history.

Inaccurate Inquiries : I have also discovered unauthorized credit inquiries on my report that I did not initiate. These inquiries further damaged my credit score, and Experian has failed to verify or remove them, even after I provided supporting evidence.

Impact of Experians Legal Violations : Experian is currently facing lawsuits related to their mishandling of consumer disputes and failure to ensure the accuracy of credit reports. These legal issues, which include improper verification processes and inadequate responses to disputes, directly mirror the challenges I have faced.

As a result of these inaccuracies and Experians failure to properly address them, my credit score has been significantly impacted. This has affected my ability to secure credit, rent housing, and maintain financial stability.

Violation of My Rights Under the FCRA : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting and timely responses to disputes. Experians negligence in this matter is a clear violation of federal law, as they failed to investigate and correct the inaccuracies despite receiving the necessary documentation from me.

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 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I have an account with Capital One that was charged off on XX/XX/XXXX, with a balance of {$470.00}, as confirmed by Capital One in their correspondence. After the charge-off, I noticed that Capital One continued to report late payments on the account until XX/XX/XXXX. Late payments should not have been reported after the charge-off date, as the account was no longer considered current at that time. 

The account was transferred to XXXX XXXX XXXX XXXX on XX/XX/XXXX, but was returned to XXXX XXXX XXXX Department on XX/XX/XXXX. Despite the account being charged off in XX/XX/XXXX, late payments were continuously marked on my credit report up to XX/XX/XXXX, which I believe to be inaccurate. 

Additionally, the balance of the account was paid in full on XX/XX/XXXX, which should have resulted in a XXXX balance. I am requesting that Capital One review this account and correct the reporting, removing the late payment marks beyond XX/XX/XXXX and accurately reflecting the XXXX balance as of XX/XX/XXXX. 

I am providing the correspondence from Capital One that confirms the charge-off date in XX/XX/XXXX for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CFPB fines XXXX XXXX XXXX over errors on credit report The CFPB alleged the credit bureau failed to properly investigate consumer disputes.

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 2025-01-21 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: MS

Complaint narrative:
Over 30 days ago, I requested information on several accounts on my credit report, unfortunately I never received any information. I have asked repeatedly for information on these accounts and for old information to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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:
On XXXX, I disputed XXXX finance account with Experian, asserting that the information being reported was inaccurate as it is not my account. Despite my request, Experian failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and failed to ensure that the information reported on my credit file was accurate as required by 15 U.S.C. 1681e ( b ).

Applicable Legal Standards Under the FCRA : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Credit reporting agencies are required to conduct a reasonable investigation of disputed items within 30 days of receiving a dispute.

15 U.S.C. 1681e ( b ) : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information in credit reports.

15 U.S.C. 1681c ( a ) ( 5 ) : If disputed information can not be verified, it must be removed from the consumers credit file promptly. 

Experians Violation Experians failure to adequately verify the XXXX account violates these provisions of the FCRA. Despite my dispute, Experian has continued to report the XXXX information, which suggests that no reasonable investigation was conducted. This failure to act in accordance with the law is unacceptable. 
The presence of this inaccurate information on my credit report has caused significant harm to my financial stability and personal life, including : Adverse credit decisions : Denials or higher interest rates for loans, credit cards, and other financial opportunities. 
Emotional distress : Stress, XXXX, and a loss of trust in credit reporting systems. 
Financial harm : Missed opportunities for lower interest rates on financial products, which has unnecessarily increased my financial burden. I have attached my license, my ID, a bill, my police report AND my identity theft report. I've also sent in verifying information previously! It never gets handled.

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 2025-01-21 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: PA

Complaint narrative:
Please take action to block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not authorize or create these accounts and have no knowledge of their source. As per USC 1681g, I formally request their removal within 15 days. Relevant documents are provided for your reference.

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 2025-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I have had several accounts with GLA Collection. Recently they have refused to send proof of debt. 

For this particular debt I have asked more than once. 

XXXX from GLA today yelled at me that he has told me before he can't send it because some kind of violation period expired. 

He talked down to me for 10 minutes then threatened to report me as refusing to pay the debt. 

I wouldn't have taken his call if I was refusing. Once he told me how to get proof of the debt I will look into that. They act like you have no other bills to resolve and you should know their procedures by heart. 

I would prefer not to talk to XXXX any more. If he could be more patient with customers and realize to get them on the phone is 90 % of the battle. He also accused me of not wanting to pay my bills which I have a history of resolving claims with GLA plus I could just avoid the phone calls. 

I've asked for statements to be mailed from GLA. I've asked for proof of debts. Every single time is an argument. With the amount of scams now I don't feel comfortable giving someone a payment over the phone with my credit card just because they are rude and pushy.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation