vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On the XXXX of XXXX I went to XXXX to pick up my rental. There was a mile limit on the vehicle so I tried to get the vehicle switched out. They were unable to exchange and had to refund the transaction. I was told it would be applied in 3-5 business days to refund the {$88.00}. I called Navy Federal to see if they can dispute it so that I can rent at another rental company and they stated the charge is pending and nothing can be done. 

I ended up going to XXXX to get the rental and had to deposit more money {$160.00} to cover for what was missing from paying budget. 

On XX/XX/year> at XXXX I spoke with XXXX XXXX The call is recorded to confirm our convo. I let him know that I see a refund on my account but my balance hasnt reflected that. He went in and confirmed what I already saw and again I let him know my balance was {$9.00} prior to the refund and {$11.00} now and the only transactions was my deposit of {$300.00} and payment to Public Storage of {$290.00}. He then stated that he sees on another screen a pending charge from budget that is offsetting the refund. I was unable to see it on my app but just took his word for it. 

I called today which is the XXXX to see if whatever pending charge he seen will be lifted. The current rep stated she seen no notes in regards to what happened on the XXXX. I asked for the call to be escalated which then XXXX her supervisor answered. He stated he listened to the call but couldnt share with me what was said. In the end the issue wasnt resolved and it feels like its some money laundering or error in the system going on to show via your account balance funds were refunded only for it to not actually be placed into your account. 

I spoke with another supervisor who stated in order to listen to calls the supervisor has to listen during admin time. Now Im wondering if the previous agent even listened to the call and just said anything to get to the next call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: AES/PHEAA
State: IL

Complaint narrative:
My grandmother and I took student loans out in XXXX thru AES. Which was National Collegiate Loans, XXXX XXXX XXXX, XXXX, it has been many different things. My grandmother passed away in XX/XX/XXXX. I did not have the paperwork and was unsure how to proceed. I filed bankruptcy around the same time and AES told me to hold all payments once I notified them. During that time my loans were turned over to a collection company. They would not talk to me during that time due to the bankruptcy. My bankruptcy was resolved in XX/XX/XXXX. At that time I reached out again and asked why the accounts were sold to collections. I was told because they were delinquent. I sent my grandmothers death information in and a consumer advocate was supposed to be working with me. I have sent many email in XXXX, XXXX, and XXXX and never gotten any responses. I called the XXXX and the gentleman was very rude and made me cry. He told me my account was turned over because I filed bankruptcy and that is why it is in default and I could pay the whole amount or a smaller amount. That the account would remain in default the entire time until I paid it off. I filed bankruptcy in order to rebuild my credit and this is counterproductive and not a fair practice if I was continuing to pay on them. I am not sure if I need an attorney or what to do at this point. I cant get anyone to help me and no one wants to work with me to resolve this in any way. I do not think they should have been transferred to default when I was in bankruptcy and if it was not for delinquency why was I never told any different until now? I cant get the same information from anyone and no one is willing to actually help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 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:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXXXXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I did a voluntary reposition do to the covid 19 pandemic I had lost myXXXX  An I was being charged when this car wasn't in my possession. An I being getting calls from different consumers.. An I would like to dispute this under the 15usc1692cc

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed inaccurate and unauthorized account information relating to identity theft.

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 2025-01-15 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: NC

Complaint narrative:
I am writing to formally express my concerns regarding Zelles 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.The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated 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 2025-01-15 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: MS

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 2025-01-15 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XXXXXXXX XXXX  I pulled my credit report and discovered an unfamiliar account from LVNV Funding LLC Account number XXXX. As per the FCRA and FDCPA I exercised my right to dispute the unverified account. I sent my first notice titled debt validation request 1 on XXXX XXXX  via certified mail and return receipt. Debt Validation request was very specific on documents needed to accurately validate the debt. Documents attached shows in full detail of what was requested and proof of delivery confirmed with a wet ink signature on XXXX XXXX. Said company either didn't respond or responded partially with documents that appears to be MADE UP, UNAUTHENTICATED and UNVERIFIABLE. I followed up with a Notice of Opportunity to Cure sent XXXX XXXX via certified mail and return receipt, notice was delivered and received with wet ink signature on XXXX XXXX attached with the Opportunity to Cure, was another copy of Debt Validation Request just incase the first request was misplaced and ensuring that LVNV Funding LLC made a full response by sworn affidavit as requested in Debt Validation Request. ( documents attached ) As it had now been 30 days and no full validation of debt, by sworn affidavit providing point by point response was received, I sent a Notice of Default and Final statement along with additional copies of Debt Validation Request and Opportunity to Cure via certified mail and return receipt on XX/XX/year>. Documents were delivered and received by wet ink signature on XX/XX/XXXXXXXX XXXX.All documents sent and mailing receipts are attached. Company has failed to validate debt within the 30 day period and continues to report disputed debt with credit bureaus.A FTC Identity Theft Affidavit has been submitted and is attached. Company has demonstrated several violations as per the FCRA and FDCPA. I am asking for immediate attention regarding this matter as the unverified debt is a result of fraud that has caused serious harm to myself and has affected potential credit opportunities. XXXX XXXX " If your brother sins against you, go and tell him his fault, between you and him alone. '' XXXX " If he does not listen, take one or two others along. '' XXXX " If he refuses to listen to them, tell it to the church. '' I pray everything is done in good faith. Failure to settle this matter I will be forced to file suit and seek remedy in a court of law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Again, I am requesting to remove the fraud alert to my file.

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 2025-01-15 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: NC

Complaint narrative:
XXXX XXXX XXXX Equifax XXXX XXXX XXXX - XX/XX/2024 Equifax XXXX - XX/XX/2024 Equifax XXXX - XX/XX/2024 Equifax XXXX - XX/XX/2024 Equifax I been threw identity theft I will like this remove off my account thank u

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Crediting Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit repot, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 Experian 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 Experian '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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX Balance : {$340.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX Balance : {$340.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
i sent equifax ftc police report and data breach affidavit in the mail over 2 months ago claiming Naver received two address of fraud on same street XXXXXXXX XXXX XXXX XXXX XXXX ca XXXX and XXXXXXXX XXXX XXXX XXXX XXXX ca XXXX are link to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all fraud accounts my address is XXXX XXXX XXXX XXXX XXXX ca XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 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: AR

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT 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 non-monetary relief
Consumer complaint received 2025-01-15 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: MO

Complaint narrative:
Experian 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 Experian, 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 Experian has neither corrected nor removed disputed items despite the evidence I provided. Causing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts. Experians 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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2025-01-15 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: TX

Complaint narrative:
RE : Formal Dispute of Experians Failure to Properly Investigate Disputed Information To Whom It May Concern, I am filing a formal dispute regarding Experians mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Experians handling of consumer disputes, which are directly relevant to my experience.

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