vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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:
XXXX XX/XX/year> XXXX, equifax, XXXX XXXX XXXX XXXX XXXX XXXX 
Subject : Dispute of Information under Section 1681o - Civil Liability for Negligence Dear [ Creditor/Reporting Agency 's Name ], I am writing to dispute certain information on my credit report, which I believe is the result of negligence on your part in failing to comply with your duties under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o. 
I have reviewed my credit report and identified inaccuracies that I believe were caused by errors or failure to properly investigate disputes as outlined by the FCRA. Despite my previous attempts to resolve this matter, it remains unresolved, and I am concerned that your actions, or lack thereof, have caused harm to my credit profile. 
Under Section 1681o of the FCRA, I am entitled to seek damages for any negligence in the handling or reporting of my credit information. As such, I request that you immediately : 1. Investigate the disputed items thoroughly, ensuring full compliance with all reporting standards set by the FCRA.

2. Correct any inaccuracies or remove any erroneous information that was reported negligently.

3. Provide me with written confirmation of the results of your investigation and any corrections made to my credit file.

4. Cease reporting inaccurate information that does not meet the legal requirements of the FCRA.

Please treat this letter as formal notice of my intent to dispute this information, and I request that you correct these issues promptly to avoid further civil liability under Section 1681o.

I expect a response within 30 days, as mandated by the FCRA. If this matter is not resolved to my satisfaction, I will consider taking further action, including seeking damages for any harm caused by this negligence. 
Thank you for your prompt attention to this matter.

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: Other transaction problem — 
Company: Block, Inc.
State: NY

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 EXXXX 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am writing to formally file a complaint against Navy Federal Credit Union ( NFCU ) regarding unlawful overdraft fees assessed on my account. I believe these actions violate the CFPBs regulations and have caused me significant financial harm. 

Description of the Issue : Navy Federal Credit Union charged me overdraft fees under circumstances that I believe are unfair and inconsistent with federal law, as recently outlined in the CFPBs enforcement action against NFCU. Specifically : I was charged an overdraft fee on [ date ( XXXX ) ] when my account had sufficient funds at the time of transaction authorization but not at the time of settlement. 
Alternatively, I was charged fees when delays in posting person-to-person payment credits created the appearance of insufficient funds. 

These fees were not disclosed transparently, nor was I adequately informed about the practices causing the fees. 

Impact on Me : These unlawful fees have caused me [ list specific consequences, e.g., financial hardship, additional debt, or emotional distress ]. Despite my efforts to resolve the issue directly with Navy Federal, I have not received a satisfactory resolution. 

NAVY FEDERAL CREDIT UNION XXXX NAVY FEDERAL CREDIT UNION XXXX

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

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, XXXXXXXX XXXX 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.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I dont own these companies any money I never sign any contract with these companies so therefore I would like these charges be taken off my credit report.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER XXXX XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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: PA

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 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, Equifax 's actions may also c
ontravene 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 Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
Used Zelle... .and a lot of fraud was happening... .I would send money to my children and they never received it and the zelle would not give me the money back... this has been going on for a while. I stopped using Zelle for a while... then i tried again and my daughter received it ... But i was told many days they could not do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I have disputed this unauthorized 3rd party collection agency attempt to collect long ago credit card debt and clear my credit report of their illegal actions and damaging my credit Report/history. 
The 3rd party collection agency has : 1 ) Redated the account to look new 2 ) Show they are the original owner ( they are not ) 3 ) Changed the original account number to their number 4 ) Balance owed is also susp of their fraud 5 ) account has been " APPROVED '' for removal but returns on my credit file a few months later ie : dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These illegal action should be fined and held accountable for their violations of the FRCA rules and regulations.

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 — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/XXXX I used XXXX XXXX to send a seller {$85.00} to purchase a XXXX XXXX XXXX, in which they were to ship to me. After sending several messages, the seller stopped responding and never shipped the product. I claimed a dispute with chase and on XX/XX/XXXX chase sent me a notice stating the payment was authorized and that the {$85.00} they credited me will be removed on XX/XX/XXXX. I have not received product from this seller and cant communicate with them. They blocked me and are scammers and I have still have the messages showing this.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
They didnt delete my accounts In accordance with the fair credit reporting act. The list of accounts below violated my federaly protected consumer rights to privacy and confidentiality under 15 use 1681 XXXX, Transunion, XXXX. 
15 u.s.c1681 section 602A states I have the right to privacy.

15 u.s.c 1681 Section 604 A, section 2 states a consumer reporting agency can not furish an without. Y written instructions.

15 U.s.c 1681c ( a ) ( 5 ) Section states ; No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions and crimes which antidotes the report by 7 years. 

I want the accounts deleted

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
They didnt delete my accounts In accordance with the fair credit reporting act. The list of accounts below violated my federaly protected consumer rights to privacy and confidentiality under 15 use 1681 XXXX, XXXX, Equifax. 
15 u.s.c1681 section 602A states I have the right to privacy.

15 u.s.c 1681 Section 604 A, section 2 states a consumer reporting agency can not furish an without. Y written instructions.

15 U.s.c 1681c ( a ) ( 5 ) Section states ; No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions and crimes which antidotes the report by 7 years. 

I want the accounts deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: CA

Complaint narrative:
I am writing to formally file a complaint regarding issues I have been experiencing with my student loan servicer, EDFINANCIAL. Despite my efforts to resolve directly with them, I have encountered persistent challenges that remain unaddressed and are negatively impacting my financial well-being.

My servicer has misreported my loan status to credit bureaus, negatively affecting my credit score.

I have made multiple attempts to resolve these concerns by calling, emailing, submitting written requests, etc... to loan EDFINANCIAL. However, I have not received a satisfactory response or resolution.

I am seeking CFPB 's assistance in ensuring that EDFINANCIAL corrects any errors in my loan records. 

I appreciate your attention to this matter and look forward to your assistance in resolving this issue. Please let me know if any further documentation or information is needed.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear XXXX, Transunion, XXXX I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices.

You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. 

The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them.

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 

Best Regards, 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 2025-01-26 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:
Dear XXXX, XXXX, Equifax I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 

You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. 

The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I purchased an item from XXXX for {$320.00} on XX/XX/year>. Upon receiving the item, I discovered it was damaged. I promptly contacted XXXX, provided them with multiple pictures of the damage, and followed their instructions to return the item. They issued a FedEx return label, which they purchased, for me to send the product back. 

I returned the item using the provided label, but XXXX misdelivered the package. Since XXXX purchased the return label, they are responsible for resolving shipping issues directly with XXXX. Despite this, XXXX claimed they did not receive the item, and I filed a dispute with Chase to resolve the issue. 

Chase sided with XXXX, stating that there was no record of the return and that the merchant had not received the item. However, their investigation ignored the fact that I fulfilled my obligation by returning the item using the label provided by the merchant. Additionally, Chase failed to consider that XXXX, as the purchaser of the label, bears the responsibility for resolving the shipping error with XXXX. 

I believe Chases decision is flawed because I acted in good faith by promptly returning the damaged item using the provided return label. The responsibility for the misdelivery lies with XXXXXXXX XXXX XXXX and I should not be held accountable for a situation entirely outside my control.

Company response to consumer: Closed with monetary relief
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is my third and final attempt to resolve inaccuracies on my credit report. Despite my previous disputes submitted on XX/XX/XXXX & XX/XX/XXXX, your responses continue to demonstrate a blatant disregard for the Fair Credit Reporting Act ( FCRA ), specifically 609, 611, 617, and 618. 
Violations of the FCRA : 1. Section 609 : I requested documentation verifying the accuracy of the disputed items, including the original source of information. You have failed to provide any valid evidence or original documentation that substantiates these claims.

2. Section 611 : Your obligation to conduct a thorough and reasonable investigation of disputed information has not been met. The responses I have received are generic, incomplete, and fail to address the specific evidence I provided.

3. Section 617 : By failing to correct or properly investigate disputed inaccuracies, you have caused direct harm to my creditworthiness. This negligence is unacceptable.

4. Section 618 : Your continued failure to comply with the requirements of the FCRA constitutes willful noncompliance, which exposes you to legal liability for damages. 
To reiterate, the disputed accounts : 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

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