vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Pursuant to 9-210 of the Uniform Commercial Code ( UCC ) and the Truth in Lending Act ( TILA ), I hereby state that I formally requested documentation related to the account maintained by the financial institution. However, JPMorgan Chase Bank , N.A . ( " JPMCB '' ) failed to provide the requested documentation. Instead, the correspondence I sent requesting said documentation was returned to me via overnight delivery without the requested information or acknowledgment of compliance. I hereby demand full compliance with the requirements of applicable law, including the production of the requested documentation, within the timeframe prescribed by statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Capitol Loans
State: OK

Complaint narrative:
Repeated calls to my references regarding my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westcreek Financial
State: FL

Complaint narrative:
I contacted Koalafi on XX/XX/year>, to dispute the financing agreement and cancel the purchase. Koalafi initially stated they would investigate the situation and advised us not to accept delivery. However, despite our refusal to accept delivery and our consistent attempts to cancel, Koalafi later claimed the lease was funded and demanded payment for the merchandise we never received. 

I believe both XXXX XXXX XXXX and Koalafi engaged in predatory lending practices by : Pressuring quick sales : The sales representative rushed me through the process and did not allow sufficient time for careful consideration. 
Refusing to honor our cancellation request : Despite our immediate attempt to cancel, both companies persisted with the order and delivery. 
Funding the lease before delivery : This violates standard lending practices and demonstrates a disregard for the customer 's rights. 
Demanding payment for merchandise not received : This is a clear breach of contract and an unfair business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: AK

Complaint narrative:
Midland credit management has a collection where the original debt is older than seven years old. They claim to be the original debtor, but they purchased this debt from a charged off credit card that the last payment is now older than 7 years since last payment. They refuse to remove this from my XXXX credit report as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Scam or Fraud on My Credit report as hard Credit inquiry that was not Me thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
An attempt to transfer a balance of {$6000.00} was made on XX/XX/XXXX from XXXX to Barclays. The transaction went through on XX/XX/XXXX. However, XXXX was never paid the {$6000.00} by Barclays. Reports on this were filed with both Barclays and XXXX. It was later discovered that there was an error in the XXXX account number and that the transfer was sent to the wrong account. Both XXXX and Barclays assured me that this issue would be addressed, and that XXXX assured me that I would not be assessed fees while this was under investigation. I have spoken to both parties repeatedly concerning this issue with no resolve. I now show a balance of {$6000.00} plus fees and interest since XXXX on the XXXX account that should have been paid in full resulting in a XXXX balance and now also a {$6000.00} on the Barclays account for monies they can not account for. Neither bank has been able to find a solution to this balance transfer error and now Im stuck in the middle with double the balance I started with. I spoke to customer relations from Barclays today XX/XX/XXXX. They reassured me that they were escalating this to try to get this corrected but no promises. I do not owe {$12000.00} to either bank. There has to be a way to get this corrected. I have spoken to multiple representatives from both banks since XX/XX/XXXX. My credit score has been affected, and XXXX is trying to collect interest and late fees on an account that should have a XXXX XXXX. I dont know what the solution is, so I am reporting it here.

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 2025-01-26 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: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


These are the listed accounts that need to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I wired {$44000.00} from XXXX to Navy Federal Credit Union due to a scam on XX/XX/year>. The scam is not my complaint. The scam is the context. The receiving Navy Federal Credit Union Union identified the {$44000.00} as suspicious activity and held the money while they contacted Chase wire transfer team. I with my local bank employee identified the transfer as due to a scam. All conversations about this matter except with the local bank employee took place on the phone. I understood at the time way back in late XXXX that the money would be returned through a wire transfer recall and that I would pay a small fee under {$50.00}. XXXX agreed to send Navy Federal Credit Union the Hold Harmless Letter they requested. XXXX XXXX XXXX informed me they sent the Hold Harmless Letter on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX informed me they sent a second letter Navy Federal Credit Union did not wire my money back for five months. After multiple requests by XXXX XXXX XXXX including a request by a manager, they only returned 66.40 % or {$29000.00} on XX/XX/year>. Navy Federal Credit Union did not return {$14000.00}. My request is that Navy Federal Credit Union return the remaining funds minus an appropriate transfer fee. 

In addition to my multiple contacts by phone with various Wire Team employees, I called the Navy Federal Credit Union in Virginia where where they held my funds. The employees would not talk with me because the account there was not my account. 

I have the details of my own account number, the date I wired the funds, the account the money was wired to and the address and phone number of where the money was wired to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Progrexion Holdings, Inc.
State: SC

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 admininistration 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.XXXX has violated so many federal laws. I am requesting my money reissued and reimbursed and sent to my new address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; My former address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI never received my settlement funds and am requesting a reissue of my settlement.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : These Inquiry 's Have No Permission Purpose To Be On My Report, Delete These Inquiry 's Immediately Pusuant 15 U.S.C. 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: UT

Complaint narrative:
Dear CFPB, I am writing to file a complaint against Equifax for failing to correct inaccurate information on my credit report and not conducting a proper investigation as required under the Fair Credit Reporting Act ( FCRA ). Despite multiple dispute letters sent to Equifax, the following inaccuracies remain unresolved XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax has either failed to respond or has provided inadequate responses that do not address the issues raised. I am aware that the CFPB has recently filed a lawsuit against Equifax for similar violations, alleging that they have conducted sham investigations and unlawfully reinserted inaccurate information into consumer credit reports. 

I request that the CFPB investigate this matter and require Equifax to correct my credit report accordingly. 

Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: NY

Complaint narrative:
I am filling a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion 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, Transunion '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 Transunion 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 non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received a report of Bank of American looking at my credit. However, I did not issue that and when I called they could not give me the answer as to what happened.

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 2025-01-26 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: FL

Complaint narrative:
I am submitting this complaint to the Consumer financial Protection Bureau ( CFPB ) regarding Bureau specifically in relation to the recent data breach that has compromised the personal information of countless consumers including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) s 605B ( 15 U.S.C s 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud.Equifax is legally required to complete this action within four business days of receiving this complaint XXXX XXXX XXXX XXXX Account listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my FICO credit report.These entities are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation documentation of my FTC identity Theft complaint XXXX XXXX XXXX which serves as compelling evidence that these accounts, inquiries and collection are the result of identity theft and fraud. The negligence of Equifax in safeguarding consumer data has enabled identity thieves to exploit my personal information.I expect immediate action to rectify the matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information.Failure to comply with the legal with legal obligation will compel me to take further action, including escalation to the CFPB Federal Commission, and legal avenues available to protect my rights as a consumer. Thank you your attention to this urgent matter. Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reseasonable reinvestigatiin of disputed information on my credit report leaving inaccurate, or unverifiable accounts unresolved. The CFBP recently filed a lawsuit against Experian alleging systematic issues, such as failing to forward customer provided evidence. This has been my experience. Experian has neither corrected or removed negative remarks on my credit report.

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 2025-01-26 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: OH

Complaint narrative:
I am filing this complaint because Experian has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). I have been working to fix my credit and have disputed numerous inaccuracies on my credit report that are either incorrect or should no longer be reported. Despite submitting multiple dispute letters to Experian and filing disputes online, Experian has not conducted proper investigations or resolved the issues as required by law. 
1. Failure to Properly Investigate Disputes : Experian has repeatedly failed to conduct reasonable investigations into my disputes, as required by 15 USC 1681i ( 5 ). Instead of investigating thoroughly, they have either failed to respond appropriately or continued to report inaccurate information on my credit report.

2. Reinsertion of Errors : In some cases, errors that were previously removed have reappeared on my credit report, in violation of 15 USC 1681c ( c ). This has caused further harm to my credit and financial standing.

3. Failure to Ensure Accuracy : Experian has not fulfilled its duty under 15 USC 1681e ( b ) to maintain and report accurate information. The errors I have disputed have significantly impacted my ability to obtain credit, housing, and employment.

4. Negligent Handling by Furnishers : Experian has also failed to ensure that furnishers of information fulfill their obligations under 15 USC 1681s-2 to investigate and resolve disputes.

I recently learned about the CFPBs lawsuit against Experian, which details similar allegations of sham investigations, failure to properly investigate disputes, and reinsertion of errors into consumer credit reports. This pattern of neglect has affected me personally and has caused significant financial and emotional distress. 

Impact on Me : Experians actions have damaged my credit score, making it difficult to obtain credit, housing, and employment opportunities. The unresolved inaccuracies on my report have caused unnecessary stress and frustration as I attempt to rebuild my credit. 

Relief Requested : I am requesting that Experian : 1. Conduct a thorough investigation of all disputed inaccuracies on my credit report and promptly correct or delete inaccurate information.

2. Provide an explanation of why my disputes were not handled properly.

3. Take steps to ensure compliance with the FCRA to prevent future harm.

4. Include me in any relief programs or settlements related to the CFPB lawsuit against Experian.

I ask for the CFPBs assistance in ensuring Experian complies with its legal obligations under the FCRA.

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 2025-01-26 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : XXXX XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 XXXX XXXX XXXX ) 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 response to consumer: Closed with non-monetary relief