vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
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 RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom it may Concern, Iam writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : XXXX. Conduct a thorough reinvestigation of the following disputed accounts or items JPMCB CARD XXXX # XXXX JPMCB CARD XXXX # XXXX JPMCB CARD XXXX # XXXX XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 

XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 



Sincerely, XXXX XXXX XXXX XXXX [ Enclosures : Copy of ID, Proof of Address, Supporting Documents ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a 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 XXXX, 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 XXXX has neither corrected nor removed or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

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 2025-01-24 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: CA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a 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 XXXX, 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 XXXX has neither corrected nor removed or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
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 non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint regarding Bank of America 's mishandling of my claims related to prepaid cards that were never issued to me. Despite my repeated attempts to resolve this matter directly with the bank, I have faced significant delays, misrepresentation, and a lack of transparency. 

Details of the Issue : 1. Non-Issued Cards : Bank of America claims I received prepaid cards associated with claim numbers XXXX and XXXX. However, I have never received or activated these cards, and no evidence has been provided to confirm their existence or use. 


2. CFPB Response Discrepancy : In a previous response to a CFPB complaint, the bank did not mention these specific claim numbers or the cards in question, further complicating the situation and casting doubt on the integrity of their records.

3. Prolonged Delays : The bank has unnecessarily delayed resolving my dispute, causing significant financial and emotional hardship. 



What I Am Requesting : 1. A full investigation by Bank of America to determine if these cards were ever issued or activated.

2. Immediate relief from the delays and a resolution of the dispute.

3. Transparency in their records and an explanation for why these cards were not included in their CFPB report response. 



I am seeking your assistance to hold Bank of America accountable and ensure a fair resolution to this matter. Please contact me at [ Your Contact Information ] for any further clarification or details. 

Thank you for your help in resolving this issue.

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 2025-01-24 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: NC

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. 


Account : XXXX  XXXX Type : Check credit/Line of credit Amount : {$2100.00} Reason : This account does not belong to me. I did not authorize or verify opening of this account. I have submitted several disputes with the credit bureau requesting additional identifying information and the company has not provided any information that ties this account to me. This account needs to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
Continuous overdraft fees with Navy Federal from XXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my 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 non-monetary relief
Consumer complaint received 2025-01-24 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: TN

Complaint narrative:
The following accounts reflecting on my credit reports XXXX, XXXX AND EXPERIAN are fraudulent. Please see attached FTC Identity theft report XXXX XXXX XXXX # XXXX Amount ( s ) {$4000.00} and {$7900.00} Opened in XXXX please see attached documents. ( 2 accounts ) XXXX XXXX XXXX Amount XXXX Account # XXXX Experian is showing a public record ( Bankruptcy ) on my credit report. It belongs to XXXX XXXX my name is XXXX XXXXSee attached documents

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 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have disputed this card through XXXX several times and the dispute always comes back with the decision to keep this account on my credit report. This card shows an open status on my account, which is inaccurate. This account has been closed for almost 4 years and the debt was satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: NV

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Schrier, Tolin and Wagman, LLC
State: VA

Complaint narrative:
I am receiving repeated harassing phone calls regarding XXXX XXXX, From Schrier, Tolin and Wagner. Regarding a XXXX XXXX debt I have asked them to stop calling me and that the account had been added to my bankruptcy before discharge. They have not stopped the harassment of calls and the bankruptcy is discharge as of XX/XX/XXXX and they called again today on XX/XX/XXXX. They are vulgar their language is rude and disrespectful. And I want to file a complaint for the harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: VA

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to the delayed posting of charges and credits, I was unfairly charged overdraft fees. 

The issue appears to be consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Disputing late payments that were paid on time but showing late on my credit report. 

XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX Showing late payments as well XXXX showing late time All shown around the same time but all paid on time per the company 's guidelines. 

Please have these updated immediately.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
On XX/XX/XXXX, XXXX changed the terms of my account by increasing the interest to 36 % and adding a monthly fee of {$7.00} as I result of my charges. They refused to reverse those changes. 

On XX/XX/XXXX, I received an email from XXXX offering a {$30.00} statement credit if I paid {$150.00} before XX/XX/XXXX. I paid the amount but XXXX refused to honor the {$30.00} credit. 

On XX/XX/XXXX, I received an email stating that they closed my account which I did not request. 

XXXX credit card company is predatory and dishonest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Mortgage — USDA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Acrisure Mortgage Partners, LLC
State: AL

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ) : I am filing this complaint regarding the discriminatory treatment I have experienced with FBC Mortgage in their handling of my loan application. 

I am a XXXX visa holder, which grants me lawful work authorization in the United States. My visa status meets all USDA and FHA loan program requirements, and other lenders I have approached readily accept XXXX visa holders for these programs. However, FBC Mortgage has repeatedly refused to approve my application, offering inconsistent and vague justifications. 

This issue is compounded by the fact that FBC Mortgage is the preferred lender for the community where I wish to purchase a home. As the preferred lender, they can offer discounted interest rates and financial incentives not available through other lenders. Their refusal to work with me based on my XXXX visa status has effectively denied me access to these benefits, placing me at a significant disadvantage compared to other buyers. 

FBC Mortgages behavior raises serious concerns about compliance with fair lending practices as outlined in the Equal Credit Opportunity Act ( ECOA ) and Fair Housing Act. These laws prohibit lenders from discriminating based on national origin, immigration status, or other protected characteristics. Their decision to deny my application appears to be discriminatory and arbitrary, particularly when other lenders have demonstrated no issue with my visa status. 

I respectfully request that the CFPB investigate the following : 1. FBC Mortgages lending policies and practices, particularly regarding applicants with TN visas. 

2. Whether FBC Mortgages refusal to approve my loan application constitutes discrimination under federal law. 

The USDA and FHA guidelines are already vague, leaving significant room for interpretation by lenders. However, FBC Mortgages refusal to approve my application without clear justification demonstrates a lack of transparency and fairness in how they apply these guidelines. 

I hope that the CFPB will take the necessary steps to ensure that FBC Mortgage and other lenders are held accountable for fair and equal lending practices. 

Thank you for your attention to this matter. Please feel free to contact me if additional information or documentation is needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am asking for these inquiries to be deleted because I did not authorize these companies to run my credit nor access it.

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 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
XXXX XXXX Mei Dear XXXX XXXX I am writing to formally request that you cease and desist all communication with me regarding the alleged debt associated with account number auto finance I believe that your attempts to collect this debt are in violation of the Fair Debt Collection Practices Act, as I have disputed the validity of this debt in writing and have not received proper validation from your agency. 
I am requesting that you provide me with proof of the debt and cease all collection efforts until such time that you can provide me with the necessary documentation. 

Failure to comply with this request will result in further legal action being taken against your agency. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
I am a victim of Equifax data breach and Identity Theft. Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please see the attached FTC reports and other relevant documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
( 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 cause significant unconvince and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation