vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
I am writing to formally dispute the recent determination regarding the remaining loan balance associated with my vehicle, which was stolen and wrecked on XXXX XXXX. 

After my vehicle was deemed a total loss by my auto insurance provider, XXXX issued a lump sum payment of {$16000.00} to Bridgecrest to satisfy the loan. This payment was made following a guarantee signed with XXXX. However, it has come to my attention that Bridgecrest has provided XXXX with a statement of payments received that fails to account for the gap insurance payment that was also included in the 21 monthly payments I have made to date. Additionally, Bridgecrest applied the entire lump sum payment from XXXX solely to the principal balance and has not adjusted for the total loss. 

Despite the payment from XXXX, I am being told that I still owe a balance and am required to continue making monthly payments in the amount of {$560.00} without any adjustment to reflect the lump sum payment or the total loss of the vehicle. This situation appears to be unconscionable and raises concerns about fraudulent business practices, as the XXXX payments and the lump sum received should have been properly factored into the loan balance and final settlement. 

I respectfully request a full, detailed breakdown of the loan balance after the lump sum payment from XXXX was applied, including how the gap insurance premium payments were incorporated. As well as an explanation of why I am still being required to make monthly payments despite the settlement and the application of the lump sum payment.

I sincerely believe the current handling of this matter is inconsistent with the terms of a conscionable agreement and may involve practices that are not in compliance with fair business standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: MI

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate with out providing any evidence of as through investigation. This practice violates the fair credit reporting act ( FCRA ), 15 u.s.c ,1681 I of disputes. Furthermore XXXX 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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: MI

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate with out providing any evidence of as through investigation. This practice violates the fair credit reporting act ( FCRA ), 15 u.s.c ,1681 I of disputes. Furthermore XXXX 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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: McCarthy, Burgess & Wolff, Inc.
State: PA

Complaint narrative:
Mccarthy, Burgess, and Wolff is collecting a false debt, I do not owe from XXXX. You better stop contacting me over this debt or ill sue!! No further contact!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: MI

Complaint narrative:
There were a lot of dates so many days I cant count they had me for over XXXX XXXX  in over draft fees and it was no way possible even after my checks were still going to my account and I still had lingering over drafts and they closed my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Subject : Dispute of Unauthorized Use of Information Violation of XXXX XXXX XXXX I am writing to formally dispute the information currently reported on my credit file. I believe that the reporting of my personal information to your agency and/or the obtaining of my personal information from your agency was done without my explicit written consent, in violation of 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ).

Specifically, under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer 's credit report under specific circumstances, including obtaining the consumers written consent. To the best of my knowledge, I have never provided you with written authorization or consent to obtain, share, or report my personal information to any third parties, nor have I authorized you to gather or distribute my credit data for any reason. 

Given this, I respectfully request the following : Immediate Verification : Please provide documentation showing that I gave written consent to your agency, as required by law, to either access or furnish my information.

Removal of Unauthorized Information : If no such consent exists, I request that any information obtained or reported based on such unauthorized access be removed from my credit file immediately.

Correction of the Record : Ensure that my credit report is amended to reflect the accurate, lawfully obtained information. 

Please note that under the Fair Credit Reporting Act, I am entitled to dispute inaccurate or unauthorized information, and you are required to investigate and respond within 30 days. 
Thank you for your prompt attention to this matter. Please provide a written response confirming receipt of this dispute and any actions taken to resolve 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 2025-01-21 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: LA

Complaint narrative:
Subject : Dispute of Unauthorized Use of Information Violation of 15 USC 1681 I am writing to formally dispute the information currently reported on my credit file. I believe that the reporting of my personal information to your agency and/or the obtaining of my personal information from your agency was done without my explicit written consent, in violation of 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ). 

Specifically, under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer 's credit report under specific circumstances, including obtaining the consumers written consent. To the best of my knowledge, I have never provided you with written authorization or consent to obtain, share, or report my personal information to any third parties, nor have I authorized you to gather or distribute my credit data for any reason. 

Given this, I respectfully request the following : Immediate Verification : Please provide documentation showing that I gave written consent to your agency, as required by law, to either access or furnish my information. 
Removal of Unauthorized Information : If no such consent exists, I request that any information obtained or reported based on such unauthorized access be removed from my credit file immediately. 

Correction of the Record : Ensure that my credit report is amended to reflect the accurate, lawfully obtained information. 

Please note that under the Fair Credit Reporting Act, I am entitled to dispute inaccurate or unauthorized information, and you are required to investigate and respond within 30 days. 
Thank you for your prompt attention to this matter. Please provide a written response confirming receipt of this dispute and any actions taken to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: WA

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

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 2025-01-21 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: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I have disputed items that have came back accurate and verified but never received proof with my signature or permission to report anything concerning my credit. 
I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. 

XXXX XXXX XXXX XX/XX/2024 {$480.00} Transworld Systems XX/XX/2024 {$1000.00} XXXX XXXX XXXX XX/XX/2024 {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: CL Holdings LLC
State: PA

Complaint narrative:
I have disputed items that have came back accurate and verified but never received proof with my signature or permission to report anything concerning my credit. 
I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. 

XXXX XXXX XXXX XX/XX/year> {$480.00} XXXX XXXX XX/XX/year> {$1000.00} Jefferson Capital Systems XX/XX/year> {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: MD

Complaint narrative:
I am writing to you in hopes that you can assist me with proper credit reporting laws and the violations that these companies keep doing to me. Ive read where you have sued Experian for not properly investigating and reasserting thing back onto consumers credit reports. These companies have violated my rights and are now threatening me all the while they are inaccurately reporting information on my consumer credit report. Please help me as I am facing underwriting for a home and this jeopardizes my likelihood to acquire shelter for my XXXX  children. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : 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 2025-01-21 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: MI

Complaint narrative:
I am writing to file a complaint 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 2025-01-21 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: FL

Complaint narrative:
XXXX, Transunion, & 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, Transunion, & 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, Transunion, & XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX, Transunion, & XXXX 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 2025-01-21 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: FL

Complaint narrative:
XXXX, XXXX, & Equifax 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, XXXX, & 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 XXXX, XXXX, & Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX, XXXX, & Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

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 those violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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 handling of disputes, particularly in light of the recent CFPB lawsuit highlighting specific issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPB findings indicate that 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 consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Credit Karma, LLC
State: TX

Complaint narrative:
My complaint is with Credit Karma and them giving misleading figures that trick you into applying for a loan, they make them look much better than the lender offer you receive. I was looking to refinance my vehicle loan and found a great deal via Credit Karma, clicked the link and put in an application thus receiving a hard inquiry on my report. After getting all of the necessary information to the lender, the numbers they gave me were WAY off from what Credit Karma was advertising. I understand that it is an estimate, but it was off by over 10 % on the interest rate and over {$200.00} for the monthly payment. Had I known this, I would not have applied and taken a hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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