vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: SIMMONS FIRST NATIONAL CORPORATION
State: AR

Complaint narrative:
I am submitting this complaint due to XXXX 's failure to correct and/or properly investigate inaccurate public records in my credit report. According to the Fair Credit Reporting Act ( FCRA ), particularly XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX is required to ensure the accuracy of the information they report and must promptly investigate disputes. However, my attempts to dispute and correct inaccuracies have been improperly handled, and no appropriate corrective action has been taken. Furthermore, their failure to act constitutes a willful violation of the FCRA under Section XXXX, which entitles me to pursue civil liability and seek damages, including the {$1000.00} penalty for each violation of the XXXX. 

With an account on my credit report, the transactions experiences are not pursuant to XXXX XXXX XXXX XXXX ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Im requesting XXXX to update the payment status for the XXXX XXXX XXXX XXXX payment history from XX/XX/XXXX to XX/XX/XXXX, which makes XXXX violations of transaction experiences that where violated under XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Privacy Act of XXXX, I need it to be immediately updated to paid on time, as the balance of the account is XXXX XXXX 

Any other account on my XXXX showing transaction experience must be updated to paid and on time includin, AFFIRM, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX 

I am requesting monetary compensation from XXXX for their willful non-compliance and monetary compensation for damages this has caused me the consumer. I would like the security department of XXXX XXXX XXXX XXXX to reach out to me, so we can solve this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: Affirm Holdings, Inc
State: AR

Complaint narrative:
I am submitting this complaint due to XXXX 's failure to correct and/or properly investigate inaccurate public records in my credit report. According to the Fair Credit Reporting Act ( FCRA ), particularly XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX is required to ensure the accuracy of the information they report and must promptly investigate disputes. However, my attempts to dispute and correct inaccuracies have been improperly handled, and no appropriate corrective action has been taken. Furthermore, their failure to act constitutes a willful violation of the FCRA under Section XXXX, which entitles me to pursue civil liability and seek damages, including the {$1000.00} penalty for each violation of the Act. 

With an account on my credit report, the transactions experiences are not pursuant to XXXX XXXX XXXX XXXX ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Im requesting XXXX to update the payment status for the XXXX XXXX XXXX XXXX payment history from XX/XX/XXXX to XX/XX/XXXX, which makes XXXX violations of transaction experiences that where violated under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the XXXX XXXX XXXX XXXXXXXX, I need it to be immediately updated to paid on time, as the balance of the account is XXXX XXXX 

Any other account on my XXXX showing transaction experience must be updated to paid and on time includin, AFFIRM, INC., XXXX XXXX XXXX XXXX XXXX 

I am requesting monetary compensation from XXXX for their willful non-compliance and monetary compensation for damages this has caused me the consumer. I would like the security department of XXXX XXXX XXXX XXXX to reach out to me, so we can solve this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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 compliant 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 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 2025-01-28 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: FL

Complaint narrative:
i provided copies of my XXXX XXXX XXXX and social security card. Experian failed to correct and delete the INCORRECT information.

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 2025-01-28 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: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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, the 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: TN

Complaint narrative:
" The Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX XXXX XXXX  since I was never late. 

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my bank account. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
Truck was paid off and title received XX/XX/year>. Yesterday received a letter stating we have unpaid balance with interest of over {$6000.00}. This could affect my credit history. valley Bank was apparently hacked and never notified customers. They assume me the account was closed and has XXXX balance but will not send me a letter stating that. Will only send generic letter that some accounts received bills in error. I want that account closed immediately and something in writing to as to my account balance status for credit records

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
There aren't any legitimate companies ; Repeated XXXX XXXX generated immediately after disconnecting from one number. Person with very strong foreign accent claiming to be from XXXX XXXX XXXX  ( earlier in week ) to today from Chase Bank. Numbers are coming through caller ID as such as well. 
All listed Chase : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Group Inc.
State: CA

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account nor open a account this these companies Following accounts reports fraud inaccurate payment information Along with account being open by me with my permission. .This is fraud XXXX XXXX XXXXXXXX auto loan fraud XXXX XXXX XXXX. Fraud loan not open by me XXXXXXXX XXXXXXXX XXXX {$470.00} fraud credit account XXXX XXXX XXXX XXXX account not open by me XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX fraud account ]. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: ME

Complaint narrative:
I enrolled in the XXXX plan over a year ago and was approved for {$0.00} payments. I noticed that my interest was continuing to accrue on my Nelnet account, so I reached out. They confirmed that I was enrolled in the XXXX plan and that my interest was accruing but " would be forgiven at some point in the future ''. They were not able to tell me when this would occur. My interest is still listed on my account and I am beginning to become concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: Bonneville Billing and Collections
State: UT

Complaint narrative:
I have some collections reporting a debt on my credit file that I do not understand. There are XXXX XXXX XXXX XXXXXXXX  which I do not recognize and a XXXX XXXX. I was previously in an XXXX XXXX, we had a lease on our apartment that I was thankfully able to get out of. However, I called to cancel gas and electiricty under my name when I did move out and paid the remaining balance. However, my XXXX XXXXnt in and put my name on the utlities all over again and they got sent to collection against my knowledge. He is currently serving a sentence and so I filed a report with the police because this is not the only account that I am having issues with. I followed all the right steps to get rid of this debt and finally get some peace of mind and be able to move forward with my life but it seems like these issues keep holding me back. This debt is not mine and I ask the collections be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
My US Bank XXXX XXXXXXXX XXXX XXXX  was lost and a transaction was declined, then the bank closed my card. Then I made several calls and finally someone answered my call and saying my card was closed due to risk, and refused to provide any more information. I explained the situation and they hung up without listening. All my rewards points worthing about {$450.00} were gone. They are simply robbers.

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 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I noticed series of accounts on my report and received a letter from a company stating my information was involved in a medical breach.

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 2025-01-28 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: TN

Complaint narrative:
" The Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of XXXX XXXX XXXX XXXX since I was never late. 

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my bank account. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "

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 2025-01-28 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:
This is unacceptable. I've repeatedly found errors on my report, and despite my efforts to have them corrected, they keep appearing. These inaccuracies are damaging my credit score and preventing me from accessing the financial opportunities I deserve.

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 2025-01-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: UT

Complaint narrative:
Back in XXXX of 2022 I had my tax refund deposited into my chime account, my account has some fraudulent activity on it and I kept contacting chime to help me stop the fraudulent charges. Chime closed my checking account and never returned my funds in my account. For the past 2 years I have been trying to get my funds from chime with no luck. I had about XXXX dollars in my account and chime has failed to give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX Email Address : XXXX Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Dispute Regarding Negligent Noncompliance under XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Dear CFPB Representatives, I am writing to formally dispute a matter related to the Fair Credit Reporting Act ( FCRA ), specifically under the provision XXXX XXXX XXXX XXXX XXXX XXXX which addresses civil liability for negligent noncompliance. 
Background : I have identified several inaccuracies in my credit report that I believe have arisen due to negligent noncompliance by XXXX in handling my credit information. The identified errors include : " Accounts that do not belong to me from Amex. '' " Accounts that do not belong to me from XXXX XXXX XXXX XXXX " Accounts that do not belong to me XXXX XXXX XXXX '' I have attempted to resolve these discrepancies directly with the responsible agency via [ letter, call, email, etc. ] on [ insert date ], but no corrections have been made, nor have I received an adequate response within the timeframe stipulated by law. 
FCRA Noncompliance : Under XXXX XXXX XXXXXXXX XXXX XXXX XXXX any party that negligently fails to comply with the requirements of the FCRA may be held liable for damages caused to the consumer. I believe the actions or omissions of XXXX, American Express, XXXX constitute negligent noncompliance with the FCRA, resulting in : Loss of credit opportunities, Damage to my financial reputation.

Company response to consumer: Closed with explanation