vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
I have had a Payment Due Date of the XXXX of each month for years. Suddenly, starting in XX/XX/year>, they are not receiving my payments by that due date and they have been charging me interest. I never had this issue during the entire XXXX year so something is wrong with their payment department. I have called them 3 times telling them I want my due date moved if their payment department is not functioning properly. Somehow all my other credit cards are paid on time during the first week of the month but not with Citi Credit Card company. Currently they have charged me {$65.00} plus dollars in interest that I am not going to pay.

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 2025-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My identity was shared in a Data Breach and Im requesting to have information deleted off my credit report, charged offs and negative items removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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:
I am writing to formally dispute the reinsertion of the following item ( XXXX ) into my credit report : XXXX XXXX  Original Removal Date ( XXXX XXXX ) Under Section 611 ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency is required to notify the consumer within XXXX business days if any previously deleted information is reinserted into their credit report. I did not receive any such notification regarding the reinsertion of this information. 

Furthermore, the reinsertion of this account ( XXXX ) may violate the provisions of the FCRA, as the credit bureau must verify and certify the accuracy of the information before it is reintroduced into a consumers credit report. I request that you Immediately investigate and provide the required certification of accuracy for this reinsertion, Remove the reintegrated item ( XXXX ) if certification can not be provided, Provide a detailed explanation of your findings in writing, along with any supporting documentation. Please note that this letter is a formal dispute under the FCRA, and I expect your response within the legally required timeframe of 30 days. Failure to comply with this request may result in further action. I want to acknowledge Equifax have stated in my previous dispute XXXX XXXX whereas this account ( XXXX XXXXXXXX ) was deleted it states We have researched the credit account and the item has been deleted from the credit file. To better assist me with understanding the results of my dispute please review information below if item states deleted, we have removed it from your credit report and taken steps so it does not reappear what steps have youll taken? Because it has reappeared, what methods are Equifax using? To my knowledge this explains accuracy to the current lawsuit with the CFPB due to Equifax ignoring consumer documents and evidence submitted with disputes, allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers about the results of its investigations, and used flawed software code which led to inaccurate consumer credit scores. I have attached a copy of page XXXX of XXXX of my credit report from Equifax with the disputed item ( XXXX ) highlighted, along with a copy of my identification and copy of social security for verification purposes. I am requesting that this account be deleted and does not reappear also an updated credit report be sent to me immediately. I hope you take this matter seriously thank you for your attention to this matter. 



XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: CA

Complaint narrative:
ON XX/XX/year>, D Department of Government Efficiency, a new branch that is not authorized to access my information, had workers access my personal data and that of my PLUS XXXX  loan cosigners. Due to this breach, and no further information on how data will be protected after this breach, I have great concern with my information from here on out and how this will be used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NY

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 


These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
Several times through my time with cash app I have had transactions and withdrawals thats wasnt me that did it and they have never helped me and closed the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: GA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous 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 these transactions was unfeasible. The CFPB 's 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 consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am formally disputing the reported late payment on my credit report, as I believe this information is inaccurate. The FCRA mandates that all information reported to credit bureaus must be not only accurate but also verifiable. The law requires that creditors, data furnishers, and credit bureaus ensure the data they report is based on correct and substantiated information. 

In light of this, I am requesting that the creditor or data furnisher thoroughly investigate the accuracy of the reported late payment. Specifically, I ask that they provide clear and verifiable documentation or evidence that supports the claim of the late payment. This may include payment records, correspondence, or any other relevant proof of the late payment being reported. 

If the creditor or data furnisher is unable to provide such verifiable evidence, I respectfully request that the disputed late payment be either corrected or completely removed from my credit report, in full compliance with the requirements outlined under the FCRA. If they fail to adequately investigate or provide proper verification, the information in question must be removed, as stipulated by the law.

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 2025-02-10 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: LEXISNEXIS
State: VA

Complaint narrative:
These are the account I reported inaccurate 1.Comprehensive claim 2.minor violation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute late payment records on my student loan account as reported to the credit bureaus by XXXXXXXX XXXX XXXX XXXXXXXX. Upon reviewing my credit report, I discovered 5 late payments listed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that I believe were reported in error. I request that the Consumer Financial Protection Bureau ( CFPB ) assist me in investigating this matter and ensure that my loan servicer corrects or removes the inaccurate late payments from my credit report. Under the Fair Credit Reporting Act ( FCRA ) and the Higher Education Act, I am requesting that my loan servicer provide verification of these late payments. If they can not verify the accuracy, I request that the late payment records be removed or corrected. 

Under the Fair Credit Reporting Act ( FCRA ) and the Higher Education Act, I am requesting that my loan servicer provide verification of these late payments. If they can not verify the accuracy, I request that the late payment records be removed or corrected. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: GA

Complaint narrative:
This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have complained directly to the Bank of Americas customer service department about not being able to deposit my money into the account from a XXXX account which is actually in USD. Their customer service department misled me to believe that running to their branch which is about XXXX miles from where I live would make a difference but it turns out that none of the branch can handle this XXXX. They also claimed that they did not any reason why this happened and did not provide any solutions at all.

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 2025-02-10 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: IL

Complaint narrative:
Between XXXX and XXXX XXXX has reported to the Department of education that I was overpaid a XXXX  over payment of {$100.00} for {$5900.00} that was given to me. 

The department of education has been continuously ruining my credit over {$100.00} that they previously already been paid for in XXXX. 

However, I will disclose a bank statements from XXXX XXXX XXXX that shows exactly how much money I was paid for my student loans and my XXXX XXXX. 

There still is a dispute {$1000.00} that XXXX XXXX XXXX  never credited back to me however that is in another CFPB Dispute. 


Ive only been paid {$3400.00} in XXXX Grants from XXXX through XXXX vibe. 

There is a balance of {$2400.00} I was never paid.. 

So its incorrect for them to say I was paid {$5900.00} when in all action reality I was only paid {$3400.00} So my issues with US Department of education, charging me an incorrect amount of what I owe actually owe. It is because to the college, whos reported the information incorrectly.

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 2025-02-10 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: IL

Complaint narrative:
Between XXXX and XXXX XXXX has reported to the Department of education that I was overpaid a XXXX over payment of {$100.00} for {$5900.00} that was given to me. 

The department of education has been continuously ruining my credit over {$100.00} that they previously already been paid for in XXXX. 

However, I will disclose a bank statements from XXXX XXXX XXXX that shows exactly how much money I was paid for my student loans and my XXXX XXXX. 

There still is a dispute {$1000.00} that XXXX XXXX XXXX never credited back to me however that is in another CFPB Dispute. 


Ive only been paid {$3400.00} in XXXX XXXX  from XXXX through XXXX XXXX. 

There is a balance of {$2400.00} I was never paid.. 

So its incorrect for them to say I was paid {$5900.00} when in all action reality I was only paid {$3400.00} So my issues with US Department of education, charging me an incorrect amount of what I owe actually owe. It is because to the college, whos reported the information incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: IL

Complaint narrative:
Between XXXX and XXXX XXXX has reported to the Department of education that I was overpaid a XXXX over payment of {$100.00} for {$5900.00} that was given to me. 

The department of education has been continuously ruining my credit over {$100.00} that they previously already been paid for in XXXX. 

However, I will disclose a bank statements from XXXX XXXX XXXX that shows exactly how much money I was paid for my student loans and my XXXX XXXX. 

There still is a dispute {$1000.00} that XXXX XXXX XXXX never credited back to me however that is in another CFPB Dispute. 


Ive only been paid {$3400.00} in XXXX Grants from XXXX through XXXX XXXX. 

There is a balance of {$2400.00} I was never paid.. 

So its incorrect for them to say I was paid {$5900.00} when in all action reality I was only paid {$3400.00} So my issues with US Department of education, charging me an incorrect amount of what I owe actually owe. It is because to the college, whos reported the information incorrectly.

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 2025-02-10 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: NY

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on [ date of dispute ], along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. TransUnion Corp. ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
Ramirez v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation