vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Complaint Details : I am filing this complaint because my bank Truist, charged me overdraft fees despite sufficient funds being available in my account. 

Prior to the balance being updated on my Truist app, I transferred funds from one account to another account within the Truist network that was immediately removed from that account in real time to cover the balance before the overdraft fees were posted. According to the information in the banks mobile app, I acted in time to avoid the fees. However, the bank still charged me overdraft fees, claiming that the app does not provide real-time or accurate updates of account balances. 

When I contacted the bank to request a refund of the fees, the representative confirmed that the mobile app does not reflect real-time information but refused to issue a refund. This lack of accurate and timely information leaves me, as a consumer, at an unfair disadvantage. I acted in good faith based on the data provided by the banks app and ensured that funds were transferred before any transactions would cause an overdraft. 

I believe this practice is unfair and deceptive. Consumers should be able to rely on the information provided by their financial institutions tools to manage their finances. The lack of real-time updates and refusal to refund the fees causes financial harm to customers who act responsibly based on the banks information. 

I am requesting that the CFPB investigate this issue and that my overdraft fees be refunded immediately.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please, I would like you to investigate my credit report since I observed negative and incorrect elements that affect my credit. the check : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Experian Information Solutions , Inc . 
Dispute Department RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.

1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. 
Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputingl.

2. Provide me with all documentation used to verify the accuracy of the disputed information. 3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.

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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This company keeps trying to collect on a debt that is not mine. They send collections notices and threaten my credit. They did this before and I filed a complaint due to the fact that I have been identity theft breached through several credit reporting agency breaches and XXXX privacy breach, etc. I have the letters to prove it. I also get free credit protection and monitoring because of it. Please make them stop. The last time I unjustly paid a settlement with XXXX  XXXX for fear of bad credit. I'm not paying twice for what is not mine.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account was paid on XX/XX/year> and it continues to report me as a charge off in the transunion and experian account statement, and the account does not have a number to identify it, which is inaccurate information. This inaccurate information misleadingly manipulates the statute of limitations. This account was not properly investigated and that negligence has violated my rights under 15 US Code 1681i - Procedure in Case of Questioned Accuracy. I demand the deletion of the following account : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am writing to reinstate a disputed charge of {$36000.00} to my corporate American Express Card ( UBS AG ) account on or about XX/XX/XXXX. An original dispute was verbally filed in XXXX of XXXX, and I can provide audio evidence ( see dropbox ). A secondary dispute was refiled I XX/XX/XXXX as I had no resolution yet. 
The charge is in error because the vehicle was not in proper working order. The vehicle self combusted under the heat, due to a lack of coolant and proper maintenance. I was severely injured in the process and lost over {$10000.00} of personal belongings. 
The contract with the rental agency clearly states that The vehicle here rented is received by the client in good mechanical, body and paint conditions and the client is further obliged to return the same under the same conditions. 
This was factually incorrect. In a post-mortem trip, which I had to undertake as I lost my passport, all my money, and shoes in this disaster, I was able to file a police report with the local agency and reconnect with the fire department who determined that the fire was NOT CAUSED by negligent driving / accident, but because the car was not properly maintained to withstand the heat of the region. 
I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. I have filed a separate demand letter, with a deadline of XX/XX/XXXX before we will pursue legal action. 
Further, the rental agency had no contractual right to charge the full cost of the car to the credit card, given this was a malfunction in the car itself. A malfunction that I am very sure the agencys own insurance policy and/or warranty of the car manufacturer would have already paid. This double-dipping is typical of agencies operating with lax oversight and therefore we rely on the trusted membership of American Express to defend the consumer against these blatant fraudulent behaviors. 
At the document link provided are copies of the lease agreement with the rental car agency, and the set of bills I received with NO explanation as to the cause supporting my position and experience. Please correct the error on my account promptly. File access : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Due to a data breach there were multiple accounts on my credit report that I did not recognize it is listed below : THESE ACCOUNTS WERE A RESULT OF THEFT : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive filled a police report for identity theft and mailed copies to all of the companies listed. No changes have reflected on my credit report though I was not the person who opened those accounts.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

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

Complaint narrative:
The most logical and fair resolution to this matter is to completely block or remove this negative information from my credit report. As someone who has diligently followed the proper steps to address these inaccuracies, its deeply frustrating and disheartening that these issues remain unresolved. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is both accurate and free from unverifiable or incorrect information. This continued inaction not only violates my rights but has also placed an overwhelming strain on my finances and well-being. I strongly urge you to take immediate and decisive action to correct this by removing these damaging items from my credit file.

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: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
On XXXX I went into the US post office and mailed a check for {$12000.00} to the IRS for a tax estimate payment. I was written on my account with XXXXXXXX XXXX XXXX XXXX.I check and the check cleared XXXX for {$12000.00} XXXX XXXX I received a letter from the IRS that I never paid that XXXX estimate, so I called the Credit Union and requested a copy of the cleared check. They emailed me a copy of the cleared check and it was not my check and didn't even have my name on the signature line. I was shocked to find out that no one looks a signatures. The phony check was deposited in Chase Bank into a phony account then transferred into 3 other accounts. I called the police and they said it looked like Chase aloud someone to open the account online and deposit the check online. I think Chase or XXXX should pay me back for the forged check. Chase sent XXXX a letter declining to pay the check with a reference number of XXXX contact me if I cand help. 

XXXX XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




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

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despites fraudulent accounts ask for proof that it was mine. Experian just said it was mine took more than 30 days to reply and no explanation just nimber for me to call. Multiple same fraudulent accts from Same company.

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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted Equifax several times with no solution for the error code they give when i request my credit report. According to Equifax i do not have any credit history. I have a mortgage for the last 11 years, a new auto loan, several credit cards and a XXXX score with XXXX and XXXX. 
I get an XXXX  error message from Equifax and they do not have any idea how to fix the issue. They said none of my lenders report to them which in nonsense. They have costed me XXXX  of dollars each month in auto loan payment because of their error due to the terrible rates i an offered. 
There is multiple examples of this error affecting people online but they are clueless on how to fix it. 
I can not even get my free annual credit report from Equifax. No issues with XXXX and XXXX.

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: 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: PA

Complaint narrative:
I was a victim of identity fraud and found an extreme amount of hard inquiries that were not authorized by me and there was nothing they could do for 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 2025-01-28 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: MO

Complaint narrative:
I am filing this complaint regarding the failure of Experian to comply with the recent federal ruling prohibiting the inclusion of medical debt on consumer credit reports. Despite submitting a formal dispute on XX/XX/year> to have a medical  debt removed, Experian failed to remove the debt from my credit report, in clear violation of the new law. 

Relevant Details : Account Name : XXXX XXXX Original Debt Creditor Name : XXXX  XXXX XXXX Disputed Amount : {$1700.00} The ruling, effective XX/XX/year>, prohibits credit reporting agencies from listing medical debt on consumer credit reports, ensuring such debt no longer negatively impacts credit scores. My formal dispute highlighted this regulation and requested the removal of the medical debt in compliance with the law. 

Despite providing sufficient documentation and citing this legal precedent, Experian has failed to take corrective action. I have not received a satisfactory resolution or any justification for retaining this debt on my credit report. 

Desired Resolution : I request that the CFPB take immediate action to ensure Experian complies with federal regulations by : 1. Removing the medical debt from my credit report.

2. Confirming the correction with me directly.

3. Providing guidance on additional steps if the credit bureau ( s ) continue to violate federal law. 

Thank you for your attention to this matter. I am attaching a screenshot of my dispute and the credit bureaus response.

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: Exeter Finance, LLC.
State: LA

Complaint narrative:
Exeter finance brought my vehicles loan from XXXX XXXX XXXX to refinance my vehicle after doing so Exeter finance had started my vehicle loan from the very beginning, making me have to repay the vehicle as I had just bought it from them showing that none of my prior payments went towards anything after talking to them about this they told me this was perfectly after refusing to pay. They repossessed the vehicle and charged it off, damaging my credit report and reporting fraudulent reports

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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

Complaint narrative:
I LOOKED BACK AT MY REPORT ON XX/XX/year> AND I NOTICED THAT SOME THINGS ARE INCOMPLETE AND INACCURATE. AND ACCORDING TO THE FAIR CREDIT REPORTING ACT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. I SENT A LETTER ASKING THEM TO INVESTIGATE THE ACCOUNTS BELOW BECAUSE [ XXXX XXXX XXXXXXXX ] OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THE ACCOUNT IS NOT ACCURATE [ XXXX ] OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THE ACCOUNT IS NOT ACCURATE [ XXXX ] OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THE ACCOUNT IS NOT ACCURATE [ XXXX XXXX XXXX XXXX  ] OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THE ACCOUNT IS NOT ACCURATE [ XXXX  XXXX XXXX ] OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THE ACCOUNT IS NOT ACCURATE [ XXXX  XXXX ] OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THE ACCOUNT IS NOT ACCURATE [ XXXX XXXX XXXX ] OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THE ACCOUNT IS NOT ACCURATE [ XXXX XXXX ] OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THE ACCOUNT IS NOT ACCURATE [ XXXX  XXXX XXXX ] OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THE ACCOUNT IS NOT ACCURATE

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