vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Stellantis Financial Services US Corp.
State: TX

Complaint narrative:
I am writing to dispute certain information on my credit report, which I believe is inaccurate. This dispute is made under the provisions of 15 U.S.C. 1681o, which holds entities liable for negligent failure to comply with the Fair Credit Reporting Act ( FCRA ).

The following item ( s ) on my report are in error : I request that you conduct a thorough investigation into this matter and correct any errors in my credit file. I am entitled to dispute inaccurate information under the FCRA, and you are obligated to resolve these discrepancies in a timely and accurate manner.

Please provide a written confirmation of your investigation and the steps you take to resolve this issue. If you fail to correct the information or provide adequate evidence supporting its accuracy, I may consider this a violation of the FCRA, as outlined under 15 U.S.C. 1681o, and I will pursue further action. 

Thank you for your attention to this matter. I look forward to your prompt 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 2025-02-04 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: IL

Complaint narrative:
After reviewing my credit report, I identified several errors related to this account that render its reporting inaccurate and misleading. These issues include : Account Information : Account Number : XXXX Balance : {$XXXX} Status : Closed 1. Future Dates Reported The Date Last Active and Last Reported are listed as June 4, 2024, which is a date in the future. This is factually incorrect and violates the Fair Credit Reporting Act ( FCRA ), which mandates that all information in a consumer report be accurate and verifiable. 



2. Closed Status with an XXXX XXXX The account is marked as Closed, yet it shows an outstanding balance of {$XXXX}. If the account is closed, there should be no remaining balance unless explicitly clarified as a charge-off. The current reporting creates confusion and inconsistency. 
3. Missing and Incomplete Information The account is missing critical data necessary for verification, including : Date of Last Payment High Credit ( original credit amount ) Past Due Amount Incomplete reporting violates the FCRAs requirement for accuracy and completeness.

4. Ownership and Status Unclear The account is reported as Collection or Charge-Off, but it fails to specify whether the debt is owned by the original creditor or has been sold to a collection agency. This lack of transparency can result in duplicative reporting.

5. Disputed Status Not Resolved The account includes the comment Account Information Disputed by Consumer, but no resolution or update appears to have been made. Failure to investigate and resolve a prior dispute is a direct violation of the FCRA.

Request for Removal Due to the significant inaccuracies, unverifiable information, and incomplete reporting, I request that this account be removed from my credit report in accordance with the FCRA. If the furnisher of this information can not provide evidence of its accuracy and completeness, it must be 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 non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Last Year XX/XX/year> a friend said they were going to XXXX me {$XXXX}. We were out a lounge. They were sending the money because they forgot their bank card and I purchased what they wanted with mine. 

A few days later the bank stated I did fraud. 

They were unable to tell me any other information.

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

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 proces 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 redressfor these violations.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/year> I notified XXXX XXXX of my intent to cancel service. Per XXXX XXXX customer service rep my intent was acknowledged and my credit card information was to be erased from the XXXX XXXX auto draft system. 

XX/XX/year> I purchased a sim with Visible XXXX, to initiate service ; effective XX/XX/year>, so, no lapse in service. I used the exact same device that was registered on the XXXX network and I carried the device over to XXXX  XXXX using the sim replacement. 

My Capital One credit Card was charged in the amount of {$XXXX} for XX/XX/year>. My service was not active with XXXX XXXX. I had already activated my service with XXXX  XXXX and paid my monthly charge. 

I've contested the validity of XXXX XXXX charge with Capital One Dispute dept on seperate occassions. The disputes have both come back in favor of XXXX XXXX. I've provided the purchase charge from Visible XXXX ( XXXX & XXXX XXXX initiating service ) and effective date of service. XXXX XXXX has no activity from me for the month of XX/XX/year> to present date. Their recorded line of the conversation between myself and XXXX XXXX customer service rep on the date of XX/XX/year> will confirm my cancellation and the reps acknowledgement of removing my payment method from XXXX XXXX ' database.

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: Early Warning Services, LLC
State: AZ

Complaint narrative:
I am writing to formally express my concerns regarding Zelles process for handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the program. Dispite using Zelle multiple times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking them was infeasible. The CFPBs findings indicate Zelle has not only neglected 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 unacceptable and raises serious concerns about consumer safety.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Dispute Experian and Equifax for the false investigation into this matter after it was reported.

Dispute

of Improper Reporting of Charge-Off Accounts and Unauthorized Accounts. These actions violate FCRA and IRS regulations regarding the treatment of charged-off debts.

Under IRS Regulation 26 U.S. Code 6050P, creditors who charge off a debt amount as taxable income to consumer- Cancellation of Debt. The debt is no longer legally enforceable and can not be reported as delinquent or due.

Once creditor has written off the debt as loss and claimed a tax benefit. Reporting charge-off debt as active or delinquent is a violation of federal law. 

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  Listed accounts reporting Active, Late Payments each month, Closed, and Charged-Off. All are reporting incorrect information and improper credit status, in violation of FCRA and IRS regulations 26 U.S. Code 6050P

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: CBC Companies, Inc.
State: NC

Complaint narrative:
Identity Theft Victim XXXX. Title. This Article shall be known and XXXX be cited as the " Identity Theft XXXX XXXX ''. ( XXXX XXXX XXXX. ) Request for Removal of Fraudulent Accounts Identity Theft Victim Innovis Attn : Consumer Relations XXXX XXXX XXXX, XXXX, XXXX  XXXX CC : XXXX XXXX XXXX XXXX XXXX FDIC ) XXXX Consumer Affairs XXXX Federal Trade Commission XXXX FTC ) Consumer Financial Protection Bureau XXXX CFPB ) I am a documented victim of identity theft resulting from the XXXX XXXX XXXX and XXXX 's XXXX Breach. The fraudulent accounts that remain on my Innovis report are : XXXX. XXXX  XXXX XXXX of Credit/Account # ... XXXX Balance : $ XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX # ... XXXX Balance : $ XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX /Account # ... XXXX Balance : $ XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX /Account # ... XXXX Balance : $ XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX # ... XXXX Balance : $ XXXX : XX/XX/XXXX I have already provided a copy of my FTC Identity Theft Report, yet you continue to retain and report fraudulent information without legal justification. Under FCRA Section 605B, you are required to block and remove fraudulent information upon receipt of a valid identity theft report. Your refusal to comply is a direct violation of federal law. Furthermore, I have never provided written or electronic consent authorizing the reporting or sharing of my personal information. Any continued reporting or sharing of my information constitutes an unauthorized disclosure and legal violation.

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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been noticing and spotting several errors and mistakes on my credit report that I dont seem to find very reasonable and recognizable.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have been noticing and spotting several errors and mistakes on my credit report that I dont seem to find very reasonable and recognizable.

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: Experian Information Solutions Inc.
State: CA

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: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Netspend Corporation
State: OK

Complaint narrative:
I account was compromised. 
XXXX with the corporate office told me on Friday XX/XX/year> that my check was mailed out by XXXX that morning and he would call me back with tracking information. I have not heard from him since nor have I received my check. I have called and emailed him but doesn't get a 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 2025-02-04 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: ID

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: ID

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: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: 2288984 Ontario Inc.
State: IN

Complaint narrative:
XXXX- received a call from XXXX to my cell and XXXX to work. I called back the XXXX and was connected with a XXXX. She proceeded to ask if I was XXXX and I affirmed. She stated that she was calling on behalf of a loan I took out with moneykey. I asked where she was from and she stated XXXX XXXX and they also work with an attorney 's office. She stated before she contacted my employer they were calling to try and work out something with me. I proceeded to tell her she no longer has access to contact my employer and she said that it will continue until I take care of the collections. I informed her she was violating a federal regulation and she stated " allegedly ''. I asked her to send information to me and she said she would email a document to my email and proceeded to hang up on me before I was able to verify what email and when. This is not ok and completely against my rights as a consumer. She did not read me my rights and did not comply with what I was asking.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
At the beginning of XXXX I began looking for a home in Pennsylvania. I live in Virginia. I explained that I would keep my current position and commute from PA to VA on the weekends to continue my employment but I wouldnt be taking occupancy for about XXXX months. XXXX XXXX from Navy federal said he had the perfect loan for me. I believe he referred to it as the home buyers choice loan. With this loan I didnt have to put any money down although I planned on putting XXXX down. The loan was for around XXXX for the home. I was approved! I submitted all requested documents in person at my local branch. I put XXXX down for earnest money for the house to be taken off of the market. My inspection and appraisal was completed and I had a closing date of XXXX the XXXX XXXX. As XX/XX/XXXX was approaching the underwriter for XXXX federal called to tell me that the garage on the property needed to be removed for safety reasons and we couldnt close on the home until this was done. With this loan sellers were allowed to pay a XXXX of 7 % for sellers assist which they agreed to so they didnt want to pay to demolish the garage. I spoke to XXXX, my loan processor and she said that she had the closing disclosure and the clear to close on was pending, just waiting to receive photos that we knocked down the garage. This was a process and expensive but according to XXXX this was the last step. I paid XXXX for the garage to be knocked down and a dumpster to haul it away. XX/XX/XXXX I sent pictures to my realtor of the knocked down garage. She called me moments later to tell me that my mortgage loan was denied. After speaking with XXXX, his supervisor XXXX, and XXXX the processor, I was told that my employment couldnt be verified. I went from having a closing date to being denied. In 60 days nobody verified my employment? Nor did they tell me that they needed more information? All they kept saying was the garage needed knocked down. Had I known they needed more information to verify my employment I would have provided it! Literally within this 60 days nobody verified my employment and denied me after I put so much money into this. I was misinformed. Strung along. I am XXXX XXXX XXXX and I was treated like they didnt take me serious. I feel discriminated against because of my age.

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: EQUIFAX, INC.
State: IL

Complaint narrative:
Violations and Inaccuracies : 1. Future Dates ( Date Last Active and Last Reported ) Violation : The Date Last Active and Last Reported are listed as XXXX XXXX XXXX which is a date in the future. All credit reporting information must be accurate and current. 

Impact : This violates the Fair Credit Reporting Act ( FCRA ), which requires all information reported must be verifiable and accurate. This incorrect date could potentially mislead the credit scoring model and extend the reporting period of this negative item. 

2. Closed Account with a Balance Violation : The account is listed as Closed, yet it still shows a balance of {$17000.00}. If the account is closed, it should not show a balance unless explicitly stated as a charge-off. 

Impact : This discrepancy can mislead the creditor and negatively affect your credit score by inaccurately reflecting the debt status.

3. Charge-Off Status Violation : The account is listed as a Charge-Off but does not clearly indicate whether it was sold or transferred to a collection agency, which creates ambiguity. 

Impact : The FCRA requires clear and accurate reporting of debt ownership. If the account was sold or transferred, it should be clearly stated. 

4. Missing Critical Information Violation : The account is missing essential details, including : Date of Last Payment High Credit ( original credit amount ) Past Due Amount Impact : Incomplete reporting violates the FCRAs requirement for completeness. These missing details make it difficult for the consumer to verify the accuracy of the debt.

5. Comments : Profit and Loss Write-Off Violation : The comment indicates that the account was charged off. However, if the balance remains at {$17000.00}, this could indicate double reporting or unclarified debt ownership. 

Impact : Inaccurate or unclear charge-off information may mislead future creditors and extend the negative reporting period.

Company response to consumer: Closed with non-monetary relief