vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
I paid a collection account with consumer adjustment company ( CACI ) in full. CACI promised to send a notice requesting that collection account be deleted from my credit report. This account was paid in mid XXXX. CACI says they sent notice to have it deleted from my credit reports on XX/XX/scrub> XXXX XXXX XXXX XXXX XXXX but both XXXX and XXXX say they never received this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My information was leaked or exposed in a data 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 2025-02-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Capital one 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 redres : for these violations.

I want the CFPB to publish.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a complaint against 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 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. XXXX ) 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 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 2025-02-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
I assumed a loan with Freedom Mortgage in XX/XX/year> ( account number XXXX ). I underwent the complete mortgage process, which included, credit checks, employment verification, income verification, closing costs, etc. Since taking over the loan I have not been able to access the electronic portals ( i.e. online hub or the app ). I therefore am unable to review the status of my account. This also creates challenges and fees when paying the monthly mortgage. To avoid the fees, my only option is to make the payment through the mail, several weeks in advance, to ensure the payment is received timely to avoid late fees. I have contacted Freedom Mortgage on multiple occasions requesting access to the paperless options to avoid additional fees and inconveniences. I have been given multiple reasons why I would not be given access : 1. It takes 30 days to give me access 2. It takes 60 days to give me access 3. It takes 90 days to give me access 4. The previous loan owners information is attached to the account and can't be shared ( this seems highly illegal ) 5. The company is aware of the problem and is working on getting new loan owners access but they can't seem to get the issue corrected and have been working on it for years. Others that have assumed loans are experiencing the same problem.

I am asking for this agencys assistance escalating and resolving this problem. As a mortgage holder of this banking institution I should have the same rights and privileges of any of their account holders. In addition, I should not be subjected to additional fees that are outside of my control. Further, no other person should be arbitrarily attached to my loan account.

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 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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 2025-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX  I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-02-04 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: SC

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-04 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: SC

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: T.S. Holdings
State: TX

Complaint narrative:
Re : Dispute of Credit Report Information Under 15 U.S. Code 1681o To Whom It May Concern, I am writing to dispute an item on my credit report that I believe to be inaccurate and is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, the information contained in my credit report is incorrect and has caused harm to my creditworthiness.

I request that you promptly investigate the matter and correct or remove the erroneous information as required by law. Under 15 U.S. Code 1681o, a consumer may seek damages for negligent violations of the FCRA, including any damages caused by inaccurate information reported to consumer reporting agencies. I am requesting that you conduct a thorough investigation of the information in question and provide me with a copy of the results. 

Please be advised that, according to FCRA guidelines, you are required to conduct a timely and reasonable investigation of any disputes, typically within 30 days of receiving this letter. If you determine that the information is inaccurate, I request that it be corrected or deleted from my credit report. I also ask that you provide me with a written response indicating the actions taken regarding my dispute. 

In addition to the above, I would like to remind you of your legal responsibility to ensure the accuracy and integrity of the information reported to consumer credit agencies. Should you fail to resolve this dispute in a timely and accurate manner, I may seek legal remedies available under 15 U.S. Code 1681o, including pursuing damages for any harm caused by the negligent reporting of incorrect information.

Please notify me as soon as your investigation is complete. I look forward to your prompt resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year> around XXXX I loaded XXXX to cash app within that hour I get a text stating I am unlinked from my account with cash app I had to call customer service the next morning because the service line was closed so Ive got them on the phone they helped me get back in my account but didnt refund me my money and then I get unlinked from my account for the second time after this time they were no longer trying to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I completed a real estate transaction on XXXX XXXX. I had a business wire sent to Navy federal credit union on XXXX XXXX. For the amount of {$730000.00}. The funds were marked as available for immediate use. I used the funds for business transactions and my account was flagged on XXXX XXXX and an investigation started on XXXX XXXX. There is now a permanent restriction on both my business and personal account, even though they said the accounts are two separate entities. Navy federal said they were trying to source the funds from the wire. The other banking institution said they have already responded and confirmed where the funds came from. Navy federal would not confirm the information. I have not received any valid information since as navy federal has been avoiding answering my questions. I am not asking for specific details of their investigation. 

I have requested written statements, a proper consistent time frame as well as my remaining funds as they complete their investigation. There is no fraud or suspicious activity taking place. The only reason Navy Federal gave me was my account demonstrated activity that is outside of their level of risk. 

I have called every day and received a different response every time. I have had representatives tell me they were putting information in the notes and never did. This was in regards to providing a provisional credit for my personal account for the amount of {$4200.00}. When I called again, a supervisor by the name of XXXX said there would be no provisional credits provided as Navy Federal sent the funds in my personal account back to my business account. 

UCC 4A-404 & 4A-502 state that if a bank accepts a wire transfer and credits the funds to your account, you have a legal claim to those funds unless there was an error or fraud. The funds were marked available for use initially and I have a legal right to those funds unless fraud is proven. 

UCC 4A-502 : Creditors Rights to Funds in a Payment Transaction A bank can not reverse a transfer or seize remaining funds unless there is a legal basis, such as fraud, error, or a contractual right ( e.g., right of setoff ). 
Once a transfer is completed, the recipient generally owns those funds, and the bank should not be able to withdraw them arbitrarily.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To whom it may concern : Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. 
Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. Also, why did you not send me copies of the verification like I asked? 
As I am sure you are well aware, current case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The courts have ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations proposed by 1681 ( a ) ( 4 ). 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 
acct # XXXX Please remove this unverified account from my credit report. 

Sincerely, 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
Consumer complaint received 2025-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
This card account is in partnership with a hotel loyalty program which includes a Gold elite status for having the card. I have repeatedly reached out to the hotel company directly regarding this matter and they informed me to speak to the credit card issuer which I have done as this is something that I shouldn't have to do because the benefit is automatic with just having the card product. The response from the hotel is saying the credit card account is not linked to my hotel loyalty program account however I am earning my points with the card that is being added to my hotel loyalty program account so this card issuer is not fulfilling their obligation to me as a cardholder as it relates to receiving the Gold elite  status with the hotel loyalty program

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 2025-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
there are unauthorized inquiries on my credit file 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 2025-02-04 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Experian is reporting incorrect and inaccurate information on my credit report. They refuse to properly investigate negative and inaccurate information when I dispute the items. My name is XXXX XXXX and I have a fraud alert for identity theft yet they will not remove incorrect names such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX etc from my accounts. They are reinserting false and incorrect information on my report even after I sent them my ssn card and drivers licenses.They are reporting medical bills and that is not ok

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/year> I spoke with experian agent on the phone about this account, they were rude a refuse to answer my dispute also disconnected to line on purpose.

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 2025-02-04 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: IN

Complaint narrative:
Selling medical information to a 3rd party is a direct HIPPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: IN

Complaint narrative:
Selling medical information to a 3rd party is a direct HIPPA violation.

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 2025-02-04 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: PA

Complaint narrative:
I received a copy of my credit report. To m surprise, you are reporting this account Credence resource Management incorrectly. This a collection account is reporting that account incorrectly. This collection account is reporting not only is open but also is past due of {$1500.00} according to the FCRA I have the right to have an accurate credit report, please provide me with a copy of my new credit report reflecting this account removed upon completion.

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 2025-02-04 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 received a copy of my credit report. To m surprise, you are reporting this account Credence resource Management incorrectly. This a collection account is reporting that account incorrectly. This collection account is reporting not only is open but also is past due of {$1500.00} according to the FCRA I have the right to have an accurate credit report, please provide me with a copy of my new credit report reflecting this account removed upon completion.

Company response to consumer: Closed with explanation