vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: MO

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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:
Heres the information from the image transcribed : ( 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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: WA

Complaint narrative:
IM REQUESTING THIS INFORMATION FROM THESE XXXX CREDITORS BECAUSE OF THE INACCURATE INFORMATION BEING REPORTED TO THE CREDIT BUREAUS 

Account info
1. Account name
2. Account number
3. Account type
4. Date opened
5. Status
6. Status updated
7. Balance
8. Balance updated
9. Recent payment
10. Monthly payment
11. Credit limit
12. Highest balance
13. Terms

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fairway Independent Mortgage Corporation
State: TN

Complaint narrative:
XX/XX/24 i received a delinquent notice from my XXXX XXXX  about the payment not being made for XXXX there is now an additional late fee of XXXX dollars added so it is now XXXX FAIRWAY INDEPENDENT MORTGAGE is supposed to pay the homeowners fee through escrow. They told me they were not involved and i had to settle it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
Got the loan on XX/XX/XXXX for {$1200.00} and around the holidays I lost my job. Communicated that to corporate but they still continued to call all my references and even family members that are not listed as references. Did mail out a cease and desist letter which they confirmed they got but said since they are not a third party company they will continue collection calls. I understand the collection calls will continue for me but harassing even my family members is getting out of hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CA

Complaint narrative:
I ordered groceries that was not delivered I called the store and they gave me an immediate credit. Chime refuse to honor the immediate credit, I was told it would be XXXX days before I would receive my refund.This is ridiculous, the normal time is XXXX business days.It is for their benefit, not mine.I need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CA

Complaint narrative:
I recently discovered a mistake in my credit report that does not align with my personal records, which has caused me some concern. This inconsistency could potentially affect my credit standing, and I would like it addressed as soon as possible. Please take the time to review my report and correct any errors you uncover. Thank you for your cooperation and for ensuring the integrity of my credit profile.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 2025-01-27 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: FL

Complaint narrative:
I am writing to formally report TransUnion for failing to properly address fraudulent information on my credit report. I am a victim of identity theft resulting from the XXXX and XXXX data breaches, which compromised my personal information. Under 15 USC 1681c-2 ( a ) ( 2 ), I have the right to request the blocking of inaccurate or fraudulent information on my report, yet TransUnion has not taken the necessary actions to resolve this matter. I kindly request your assistance in ensuring compliance and the removal of all fraudulent entries from my credit report. 


XXXX XXXX XXXXXXXX XXXX- {$1100.00}

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 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-27 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My business checking account was victim to check from over the past year. A total of {$35000.00} was stolen out of my account by XXXX of my sub-contractors. This sub-contractor was depositing a check I would write to him, then re-depositing the same check again XXXX XXXX XXXX XXXX XXXX later. He would change the check date and or check number before re-depositing these checks. He did this to a total of XXXX checks. The earliest time was XX/XX/XXXX and the most recent time was XX/XX/XXXX. He was doing all these deposits via mobile deposits. 

I contacted Wells Fargo fraud department and they told me I had XXXX to report any fraudulent activity and because these frauds happened before XXXX of me calling in that my claim was denied. 

I called the bank on XX/XX/XXXX to file a formal claim. 

My argument to the bank was that how could I have possibly known that this check fraud was occurring, nothing looked suspicious to me. These were checks that I validly did write, but they were just being deposited multiple times ( a year apart from each other in most cases ). 

I'm a small business owner and don't have a full time employee to do a full bank audit every single day of the year. Minimally they should reimburse me for up to 3 months of fraud charges. This would equal me getting {$11000.00} back out of the {$35000.00} that was stolen from me. 

It's Wells Fargo 's mobile deposit software which is grossly inadequate to allow this to happen, not my negligence of not reporting it fast enough.

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 2025-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Theyre claiming that I did not make my payment XX/XX/year>, when in fact, I pay my mortgage early all year long. What commonly happens is they often take an early payment and apply it to the principal, then claim that you never made the payment for month that it was meant for, then charge you late fees. This is called predatory lending in an effort to foreclose on desirable real estate and good markets. I know this because I wrote the software for the XXXX that solve the financial crisis. Many of these loan services are not banks. They are simply companies that service loans and a predatory manner

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX 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
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
Im filing a complaint against Cash app ( block , inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( cfpa ) specifically cash app failed to take in a timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, they dispute resolution process was unfair and deceptive as they did not comply with air resolution requirements under the electronic funds transfer act ( efta ) in regulation E these actions causes significant inconvenience in financial loss and I seek appropriate redress For these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: FL

Complaint narrative:
To Whom It May Concern at the CFPB, I am filing this complaint against Navy Federal Credit Union ( NFCU ) regarding unfair and unclear overdraft fee practices applied to my account. 

Navy Federal applied an overdraft fees ] to my accounts. I believe these charges are unwarranted and stem from practices that are either unfair, deceptive, or not properly disclosed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
old reports on my credit file disputed several times about incorrect information and still shows experian XXXX and transunion still wont comply with any of my request

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 2025-01-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
old reports on my credit file disputed several times about incorrect information and still shows experian equifax and XXXX still wont comply with any of my request

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I got unemployment from XXXX XXXX XX/XX/year> and there was money taking out and put in my account I knew nothing about fraud transactions I didn't make I called to let the bank know and they would make up something hang up keep me on hold lied about my account being opened and close could not provide where the money was are anything kept my account open years after I stopped banking w them

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 2025-01-27 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally file a complaint against the three major credit reporting agenciesExperian, XXXX, and XXXX their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically regarding the reporting of collection and charged-off accounts with inaccuracies and improper balances. The CRAs are not investigating these accounts. They are just coming back saying the account is verified accurate. I have requested a " Forward Flow Agreement '' from XXXX XXXX XXXX, a third party Debt Collector who purchase this account in a bundle. they are reporting an incorrect balance. I have requested XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS for updating my taxes. They received insurance on this charged off account so it should not be reporting a balance. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. These errors directly violate this obligation. Charged-off accounts are being reported with remaining balances, despite federal regulations stipulating that once charged off, written off balances should reflect the true amount owed or zero if forgiven. These inaccuracies are negatively impacting my creditworthiness and ability to access financial opportunities.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have tried to resolve this matter with Experian numerous times please see the attached statement.

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 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XXXX the XXXX bank XXXX someone to reverse my rent payments of XXXX for the year of 2024. I don't know about reversal and when I informed the bank I didn't make such a request the bank told me I was liable. I never received a dollar from these transactions now my account is on a negative XXXX and my rent has been reversed so far for some months. Monies wad sent to XXXX app and collected from strangers on my account. My account was positive before this and now I'm struggling trying to resolve this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX I made a payment in the amount of {$19000.00} to pay off my auto loan from the same checking account I had previously been using the auto-draft monthly payments from. This amount was never withdrawn from XXXX XX/XX/XXXX I received a correspondence that my account was paid in full. However, the money had not yet been withdrawn from my checking account. The letter also stated, " We released your lien, but please wait until all payments clear to transfer the title, '' so I did wait. 

On XX/XX/XXXX I received a document from Chase explaining I needed to resubmit my last payment. I attempted to do so, but the website portal said it was not working. 

On XX/XX/XXXX I called Chase customer service. The agent who assisted me said the payment was returned by the bank - I never received communication from my bank describing a refused payment, and my checking account had more than enough funds to accept the payment. So I asked the customer service agent to describe the transaction details, and the last XXXX digits of the bank account number used by Chase did NOT match the checking account I authorized to pay off the loan. They had used the number of an old, closed checking account I had never used at any point to make a payment on this current loan. This old checking account number is not associated with my active auto loan with Chase in any way. I asked the customer service agent if I could pay off the loan over the phone to ensure no technical error occurred, and the agent said they could only take {$9900.00} of the balance today. I mentioned the extra month 's of interest charges that occurred because of their failure to withdraw money from the correct account and the agent dismissed my concerns. No resolution was reached, nor did I receive an answer about why they had stored and charged an inactive checking account that was never associated with the current account. I checked, and the only option for making payments in the current auto account portal is through the correct checking. 

On XX/XX/XXXX I received an email stating my auto payment was cancelled. I have a regular monthly payment due XX/XX/XXXX. 

I am unsure of how to proceed with safely and correctly paying off my account in full since the website is clearly malfunctioning and the agent will not take a full payment over the phone.

Company response to consumer: Closed with explanation