vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: NV

Complaint narrative:
Between XXXX and XX/XX/2024, I made a payment and set up an automatic payment option at the same time. 
In XX/XX/2024 I checked my credit report and it shows a late payment from XX/XX/2024, something I was never notified of. 
On XX/XX/2024 and XX/XX/2024 I sent letters to all the addresses on my credit report and they all returned them as undeliverable, saying the address is wrong, very wrong to report wrong addresses on my credit report. 
I finally XXXX  his address and sent a third letter requesting a review and goodwill letter to remove that late payment, because the payments were made automatically from XXXX XXXX and this affects the ability to get better credit in the future with other banks. 

I even called and they said they would look into it and get back to me. 
There is no answer yet

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 2025-01-31 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: NV

Complaint narrative:
Between XXXX and XX/XX/year>, I made a payment and set up an automatic payment option at the same time. 
In XX/XX/year> I checked my credit report and it shows a late payment from XX/XX/year>, something I was never notified of. 
On XX/XX/year> and XX/XX/year> I sent letters to all the addresses on my credit report and they all returned them as undeliverable, saying the address is wrong, very wrong to report wrong addresses on my credit report. 
I finally XXXX  his address and sent a third letter requesting a review and goodwill letter to remove that late payment, because the payments were made automatically from XXXX XXXX and this affects the ability to get better credit in the future with other banks. 

I even called and they said they would look into it and get back to me. 
There is no answer yet

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
This is a resubmission of my initial complaint against Zelle, as their dismissive response requires no action from consumers. Your response to legitimate consumer complaints reflects exactly why the CFPB is suing Zelle under violations of the Consumer Financial Protection Act ( CFPA ) and Electronic Fund Transfer Act ( EFTA ). Per the CFPB 's lawsuit filed XX/XX/year> ( XXXX XXXX, Zelle failed to implement adequate fraud prevention measures and investigate consumer claims, resulting in over {$870.00} XXXX in documented fraud losses. Your claim of " insufficient facts '' directly mirrors the lawsuit 's allegations of systematically denying valid consumer complaints. Under EFTA ( 15 U.S.C. 1693f ), financial institutions must conduct reasonable investigations of reported errors. My complaints warrants a proper investigation, not dismissal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I have gotten suspicious activity in my BOA account saying about XXXX dollars in total was spent at XXXX XXXX according too my online banking. I called the bank told them it was not me with any of these purchases, they told me at the time nothing could have been done due to it had to see if it was going to be processed and if not it will revert back and if it did process we have to file a dispute. In that matter as I seen multiple purchases I automatically called for a new card ASAP. As this happened it took sometime for a refund or anything to be given. Recently XX/XX/XXXX I got a call from BOA about this dispute and I told the lady the exact story and all I know is yesterday I had money in my account for my sons birthday its his XXXX XXXXXXXX  birthday. BOA took out my money I had and more which made the account negative which later caused me not to be able to celebrate my sons birthday and the next day I got paid so my whole paycheck was gone because of the negative XXXX in my account so I had to recover that with my pay check which I was left with no matter at all. I have my rent and bills to pay. I spoke to Bank of America they said they are sorry for this and sorry for the woman I have spoken to on my investigation dispute and I spoke to a manager where he was trying his best to dispute and get my money back and he apologies but it was nothing he can do in the moment and I was left full out broke no money negative account. I have my sun birthday XX/XX/XXXX I have my rent due tomorrow and light bill phone bill and I have nothing. This is all off of someone who did not properly due their job which cause my account to go blank negative and I didnt even see my check I worked hard for because of the wrong perks on at Bank of America XXXX I really need my money I have my kids my place and I am doing this all on my own, this is not the first or second time I spoke to someone in BOa that doesnt do their job properly but this time it messed me up terribly and she made my account and all money Gone.

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 monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Hello, I had a charge off debt with Navy credit union for the amount of XXXX Navy credit union sent me a letter of settlement on XX/XX/year> to settle in the amount for XXXX. 

I paid that settlement and also have proof of the amount of XXXX on XXXX XXXX Fast forward to XXXX I called to applied for a pledge loan of a total amount ( XXXX ) to start my new credit journey with Navy Credit union . No credit check is required/nor a soft pull is required. I was denied per the rep because my account has a charge off. I explain to the rep that it was settled ; she advised me it still stating a charge off and theres no one I can speak to regarding the matter. I will received a letter in the mail.

Im not understanding why I am still being penalties for a debt I settled with my Navy Credit Union bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ADP Inc.
State: TX

Complaint narrative:
Re : Dispute of Debt Claim XXXX XXXX To Whom It May Concern : I am writing to formally dispute the validity of the debt referenced in your collection notice ( Claim No. XXXX ) for {$230.00}, allegedly owed to ADP LLC. I also dispute the legitimacy of the charges and XXXX XXXX XXXX XXXX to collect this debt due to the following issues : Breach of Contract & Unauthorized Sharing of Information ADP LLC violated our contractual agreement by unlawfully sharing my personal/business information with your agency without my consent. This action may constitute a breach of privacy under applicable laws ( e.g., state consumer protection statutes or the Gramm-Leach-Bliley Act if financial data was shared ).

Failure to Honor Promotional Terms ADP LLC explicitly promised XXXX free months of service as part of a promotion, which they never applied. The invoices listed ( e.g., XXXX, XXXX, etc. ) appear to include charges that should have been waived under this promotion. I request copies of the signed contract, promotional terms, and proof that ADP fulfilled their obligation to apply the 4 free months. 

Inaccurate or Fraudulent Invoices The invoices listed are dated in XXXX XXXX XXXX XXXX XXXXXX/XX/year> ), which is a future date. This discrepancy raises serious concerns about the validity of the debt. 

Unlawful Collection Fees The {$21.00XXXX XXXX XXXX is unjustified. Under the Fair Debt Collection Practices Act ( FDCPA ), collection fees can not be added unless expressly permitted by the original contract or state law. Provide documentation authorizing this fee.

Formal Requests Debt Validation : Under the FDCPA ( 15 U.S.C. 1692g ), I demand immediate validation of this debt, including : A copy of the original signed contract with ADP LLC.

Proof of the promotions terms and evidence showing why the 4 free months were not applied. 

An itemized breakdown of the debt, including how the future-dated invoices and collection fee were calculated. 

Cease Communication : Until you provide validation, cease all collection efforts, including credit reporting.

Credit Reporting : If this debt was reported to credit bureaus, notify them of the dispute and correct or delete it immediately.

Next Steps If you fail to validate this debt within 30 days or continue unlawful collection attempts, I will : File complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Nevada Attorney General. 

Pursue legal action for violations of the FDCPA and applicable privacy laws. 

Send all correspondence via certified mail to the address above. 

Sincerely, [ Your Full Name ] [ Signature, if mailing a physical letter ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
I am filing a formal complaint regarding inaccurate information on my credit report that has not been addressed despite my prior attempts to correct these errors directly with the credit bureaus. My credit report currently lists several inquiries, addresses, employment history, and name variations that are incorrect and were not authorized or associated with me. Specifically, I am seeing addresses where I have never resided, outdated employment details that do not reflect my current or recent work history, and name misspellings that create confusion and suggest identity inaccuracies. Additionally, there are unauthorized inquiries that I did not initiate, which may have been added without proper verification. I believe this incorrect reporting is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate and fair reporting.

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 2025-01-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a formal complaint regarding inaccurate information on my credit report that has not been addressed despite my prior attempts to correct these errors directly with the credit bureaus. My credit report currently lists several inquiries, addresses, employment history, and name variations that are incorrect and were not authorized or associated with me. Specifically, I am seeing addresses where I have never resided, outdated employment details that do not reflect my current or recent work history, and name misspellings that create confusion and suggest identity inaccuracies. Additionally, there are unauthorized inquiries that I did not initiate, which may have been added without proper verification. I believe this incorrect reporting is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate and fair reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
A few years back I was paying a credit card company monthly and had arranged a payment plan via phone. Months later while still paying XXXX XXXX, they sold my account without my knowledge or consent/communicating to me to a debt collector and was constantly receiving phone calls and text message from whom I thought was a scam, along with mail from this debt collector that was harassing me on a day to day, hour to hour basis. I had then contacted XXXX XXXX directly and it was then that I found out that they had wrongfully closed my account while still paying them. They had collected money and sold my account to this debt collector for way more than I actually owed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient is reporting on my Consumer report when they should have stop reporting in XXXX per CFPB. AS of XX/XX//2025 Navient is still reporting on my Consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: NC

Complaint narrative:
On XX/XX/year> I disputed with Equifax credit bureau explaining that payment. I supplied verification of payment that was made to 3rd party collector. Account is still showing unpaid with balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
Im reaching out because Ive had enough of the constant errors on my report. These inaccuracies are dragging my score down, and its costing me real opportunities. Its beyond frustrating to see mistakes that I didnt create hurt my future. It feels unfair and exhausting to deal with this time and again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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 XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/year> TransUnion :XX/XX/XXXXRE : Correction to my personal information Dear TransUnion, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect address. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX Thank you for your assistance. 
Sincerely, 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 2025-01-31 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
I filed a dispute on XXXX NATIONAL CREDIT SYSTEMS XXXX. Because I am unaware my credit was ran or what this inquiry is. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove or correct any information. I am requesting this be removed immediately as its affecting my chances on getting a car. XXXX violates my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-31 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:
please check the information concerning the equifax data breach in attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: TN

Complaint narrative:
Equifax has failed to fulfill its illegal 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 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 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 Equifax 's inaction violates federal law and my rights as a consumer. 

15 U.S. Code 1681 ( a ) ( 5 ) B XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602states i have the right to privacy, 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish without my written instructions. under 15 USC 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

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