vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The acct with capital one XXXX inaccuracy with the XXXX bureau XXXX and XXXX has XXXX late payment and XXXX has XXXX late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Centron Services
State: WA

Complaint narrative:
I want to file a complaint against Rocky Mountain Professional Solutions for a bill by XXXX and XXXX XXXX XXXX. In response to their billing notice, I disputed this bill and requested validation information which they have not provided. I believe this is related to an emergency room hospital visit, where I supplied my Medicare advantage insurance information. 
By letter, I have requested information about the name of the provider and contact information, date of service, services performed and insurance response. They have not responded. 
I have had continuous medical coverage for several years. The medical provider should have billed my insurance coverage and been compensated. The solution I seek is for me to pay the remainder of a bill following the insurance payment, without increased fees by the debt collector. They should have billed my Medicare advantage plan as required by law if they accept Medicare patients. They should have contacted me directly as they had my contact information and insurance information. 
I have contacted Rocky Mountain by letter, as did my father acting on my behalf when I was very sick. We have offered again to share my insurance information. I am totally XXXX and have no income other than my social security XXXX checks. 
Attached are copies of our letters and the XXXX billing notice. I never received any bills from XXXXXXXX XXXX XXXX nor, to the best of my knowledge, has my medical insurance. Rocky Mountain has never informed me of my right to dispute the bill, nor provided any information about the bill other than state it is from XXXXXXXX XXXX XXXXXXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: 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, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ). 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against that the CFPB take action to ensure Equifax complied with the federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 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 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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Checking account with navy federal were charged numerous insufficient funds fee & overdraft fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 3 Student loans ( account numbers ending in XXXX, XXXX, and XXXX ) opened in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX by the Dept of Education, and a collection account ( account number unknown ) opened by XXXX  ( XXXX XXXX XXXX ) in XXXX. A credit card opened by XXXX XXXX XXXX  ( Account number starts with XXXX ) and XXXX XXXX XXXX  ( account ending in XXXX ) in XX/XX/XXXX. An auto loan through XXXX XXXX XXXX XXXX  ( account number starts with XXXX ) opened in XX/XX/XXXX. A XXXX XXXX line of credit ( account number starts with XXXX ) opened in XX/XX/XXXX, and a credit card through XXXX ( account number starts with XXXX ) in XXXX XXXXThese accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I do not recognize the aforementioned accounts and collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints # XXXX and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company 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 2025-01-22 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: NC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being.

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 non-monetary relief
Consumer complaint received 2025-01-22 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: NC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being.

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 2025-01-22 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: CT

Complaint narrative:
Account Name : XXXX Account Number : XXXX XX/XX/XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: GA

Complaint narrative:
I disputed things with Experian and it was not corrected

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/30 disputes were sent to Experian in an attempt to verify the information on my report. Experian was asked to provide a debt validation letter along with proof of alleged debt that company claims was owed prior to having this reported on credit. Experian was asked to check on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX . Accounts details were not provided other than the same information seen on credit report and Experian.com. Disputes were " updated '' as per Experian and Experian is reporting each of the debts on credit report. Additionally, the disputes are showing as credit card utilization when none of these accounts are open and are shown as charge offs by each company. Disputes were also made specifically to XXXX XXXX XXXX and XXXX XXXX XXXX. As per company website companies are not licensed to collect debts in NY. A request for licensing information and licensing numbers for each was sent also asked to be provided and was not. There is an additional charge off from XXXX XXXX XXXX that has a civil judgement currently open. A request to correct the misleading information being reported by XXXX XXXX XXXXXXXX be corrected and it was denied. The account is currently being reported as a charge off and is showing in credit card utilization. A request to cease negative reporting was requested as active payments are being made but this was denied. Furthermore, not one alleged debt reported as a charge off has sent proof of 1099-C which is required by the IRS when a debt is considered cancelled or forgiven. Credit reports have been frozen across all 3 reporting agencies and not new debts have been reported or opened yet score continues to drop to the lowest it has even been with XXXX new debts.

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelles dispute process, particularly in light of the recent CFPB lawsuit that underscores significant issues with the platform. As a frequent Zelle user, I have encountered discrepancies that my financial institution failed to investigate thoroughly. I was informed that recovering lost funds was not possible and that tracking these transactions was infeasible. The CFPBs findings reveal that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is deeply troubling and raises serious concerns about consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX and Social Security Number : XXXX, and Date of Birth:XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX # XXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Opened on XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX # XXXX - Opened on XX/XX/XXXX Unauthorized Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company 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 2025-01-22 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: KY

Complaint narrative:
I am writing to file a complaint 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 the 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 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I FELL VICTIM TO THE EQUIFAX DATA BREACH AND OTHER DATA BREACH WEBSITES AND WOULD LIKE IMMEDIATE REMOVAL OF THE ACCOUNT FROM MY CREDIT REPORT WITHIN THE NEXT 30 DAYS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC
State: WA

Complaint narrative:
I am requesting that you provide validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Specifically, I request that you provide the following information : 1. The full name and address of the original creditor. 2. A detailed statement showing the amount of the debt, including any interest, fees, and charges that have been added. 3. A copy of the original agreement or contract that legally obligates me to pay the debt, including any signed documentation. 4. Any judgments or court decisions related to this debt. 5. A verification of the date the debt was incurred. Until this debt is validated, I request that you cease all collection activities, as required by law. Please note that any further communication or attempt to collect this debt without validating it will be considered a violation of the FDCPA. If you are unable to provide the requested documentation, I request that you cease all collection efforts and remove any negative information related to this alleged debt from my credit report. I look forward to your prompt response, and I expect to receive the validation materials within 30 days, as outlined by the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CT

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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/year> I received a text message asking if I made these XXXX transactions. When I replied No I immediately received a phone call with the caller ID Wellsfargo Bank XXXX so of course I answered since I was panicking that my acct was compromised. After going through the questions and they asked me to reverse my XXXX so I can retrieve my money back but didnt realize I was actually getting scammed. I checked my acct the next day and thats when I discovered my money was missing, so immediately contacted Wellsfargo to open a claim. Going through the whole process and waiting, they explained that nothing they can do because I made these XXXX transactions. I was so furious and stressed because it was over {$3000.00}. Ive been a long time customer for over 30 years and this is how they treat 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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MO

Complaint narrative:
Money was being sent from my chime account that I did not authorize and I explained I must have been hacked and they suggested that an investigation was done and the XXXX that was taken from me was accurate and I did not authorize the transaction at all.

Company response to consumer: Closed with explanation