vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: OK

Complaint narrative:
I have contacted experience and reported alot of things in my account that did not look familiar to me I never received and explanation. Please remove all accounts report. Also on my personal information it had XXXX XXXX as if it was mine which is not and I have never used XXXX XXXX which it was on my personal items. 

Thank you for your help and time.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX - XXXX XXXX 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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because XXXX and XXXX are inaccurately reporting inconsistent payment histories for my XXXX XXXX and XXXX XXXX accounts. Despite submitting disputes to correct these inaccuracies, the accounts were returned as " verified and accurate, '' which is demonstrably false. This indicates a failure to conduct a reasonable investigation, as required under the Fair Credit Reporting Act ( FCRA ). 

These violations have caused financial harm, emotional distress, and an unfair impact on my creditworthiness. I am requesting corrective action, enforcement of my consumer rights, and monetary compensation for damages caused by these violations. 

Violations of My Consumer Rights 1. Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) Credit reporting agencies are required to adopt reasonable procedures to ensure maximum possible accuracy in credit reports. XXXX and XXXX failed in this duty by reporting inconsistent payment histories for the XXXX XXXX and XXXX XXXX accounts. 
XXXX. Inadequate Dispute Investigation ( 15 U.S.C. 1681i ( a ) ) When I disputed the inaccuracies, XXXX and XXXX returned the accounts as " verified and accurate '' without conducting a reasonable reinvestigation. This violates my rights under 15 U.S.C. 1681i ( a ), which requires CRAs to thoroughly review disputed information.

3. Failure to Delete Unverifiable or Inaccurate Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) Despite their inability to verify the disputed information, XXXX and XXXX have refused to delete it from my credit report. This failure violates 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), which mandates deletion of inaccurate or unverifiable information.

4. Furnishers Violations of Reporting Duties ( 15 U.S.C. 1681s-2 ( b ) ) XXXX XXXX and XXXX XXXX failed to conduct a proper investigation and provide accurate and consistent data to XXXX and XXXX after being notified of my disputes. This violates 15 U.S.C. 1681s-2 ( b ), which imposes a duty on furnishers to investigate disputes forwarded by CRAs. 

I am providing the following documentation to substantiate my claims : Credit Reports : Copies of my XXXX and XXXX credit reports showing inconsistent payment histories for the XXXX XXXX and XXXX XXXX accounts. 
Account Statements : Payment records from XXXX XXXX and XXXX XXXX demonstrating the accurate payment history. 
Dispute Records : Documentation of my prior disputes with XXXX and XXXX, including their responses verifying the accounts as " accurate. ''

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 — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because XXXX and Equifax are inaccurately reporting inconsistent payment histories for my XXXX XXXX and XXXX XXXX accounts. Despite submitting disputes to correct these inaccuracies, the accounts were returned as " verified and accurate, '' which is demonstrably false. This indicates a failure to conduct a reasonable investigation, as required under the Fair Credit Reporting Act ( FCRA ). 

These violations have caused financial harm, emotional distress, and an unfair impact on my creditworthiness. I am requesting corrective action, enforcement of my consumer rights, and monetary compensation for damages caused by these violations. 

Violations of My Consumer Rights 1. Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) Credit reporting agencies are required to adopt reasonable procedures to ensure maximum possible accuracy in credit reports. XXXX and Equifax failed in this duty by reporting inconsistent payment histories for the XXXX XXXX and XXXX XXXX accounts. 
2. Inadequate Dispute Investigation ( 15 U.S.C. 1681i ( a ) ) When I disputed the inaccuracies, XXXX and Equifax returned the accounts as " verified and accurate '' without conducting a reasonable reinvestigation. This violates my rights under 15 U.S.C. 1681i ( a ), which requires CRAs to thoroughly review disputed information.

3. Failure to Delete Unverifiable or Inaccurate Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) Despite their inability to verify the disputed information, XXXX and Equifax have refused to delete it from my credit report. This failure violates 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), which mandates deletion of inaccurate or unverifiable information. 
4. Furnishers Violations of Reporting Duties ( 15 U.S.C. 1681s-2 ( b ) ) XXXX XXXX and XXXX XXXX XXXX XXXX conduct a proper investigation and provide accurate and consistent data to XXXX and Equifax after being notified of my disputes. This violates 15 U.S.C. 1681s-2 ( b ), which imposes a duty on furnishers to investigate disputes forwarded by CRAs.

I am providing the following documentation to substantiate my claims : Credit Reports : Copies of my XXXX and Equifax credit reports showing inconsistent payment histories for the XXXX XXXX and XXXX XXXX accounts. 
Account Statements : Payment records from XXXX XXXX and XXXX XXXX demonstrating the accurate payment history. 
Dispute Records : Documentation of my prior disputes with XXXX and Equifax, including their responses verifying the accounts as " accurate. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief
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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX 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 XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, after the XXXX injunctions went into effect, I uploaded a manual application to Nelnet seeking to be placed on a different plan, specifically the XXXX plan. After the application was pending for well over a month, they just put me back in the XXXX plan, despite that I selected boxes for either XXXX, or XXXX, whichever was cheaper. 

When I called to protest, they claimed I filled out the app wrong and that the " cheapest '' was XXXX ( which makes no sense, since I was already IN that plan ; why on Earth would I place an app to be put back into the plan that isn't moving and I'm already in ). Rather than reach out to me to answer questions, they did the OPPOSITE of what I asked for.

Upon hearing this, I filed a new App, using the Dept of Ed website. I completed that app on XX/XX/XXXX. Nelnet did nothing with it and when I called weeks later, they claimed they didn't receive it, despite that I did it as instructed through the govt sites. 

I then, on XX/XX/XXXX, submitted a THIRD application. I submitted it both through Dept of Ed AND manually on the Nelnet site. 

Since then, every time I call, they give me the same tired spiel about SAVE litigation ( which does not impact XXXX and NEVER DID! ) and claimed they either could not process my app, or that it was in review. 

Today, XX/XX/XXXX, I got the same spiel, AGAIN, where Nelnet blames the Dept of Ed for THEIR actions, despite that the Dept of Ed has been ALLOWING XXXX APPLICATIONS SINCE AT LEAST XX/XX/XXXX. Nelnet is trying to claim, now, that the Dept of Ed only started allowing XXXX apps to be processed as of XX/XX/XXXX. This isn't true. Although the DOE reopened XXXX OTHER payment plans on XX/XX/XXXX, none of this, again, impacts the XXXX applications. 

Nelnet now is telling me they are just backlogged, things are processed in order they are received, blah blah. If that was remotely true, then they would not and could not have tried to ( IMPROPERLY ) process the XXXX app they claimed I messed up. 

I want my application processed immediately. I have waited literally months. I have XXXX payments left on my XXXX years and XXXX is the last year that we can avoid tax liability. Nelnet is holding me hostage by delaying and delaying, and giving excuse after excuse. AND IF I GET HIT WITH A TAX BOMB, THAT IS THEIR FAULT AND I AM NOT AFRAID TO PURSUE A COMPLAINT FURTHER, AS WELL AS A SUIT AGAINST THEM FOR THEIR ABJECT NEGLIGENCE AND RECKLESSNESS. 

If they don't have the staff to process these TIMELY, then they need to hire more staff. If

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

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
Consumer complaint received 2025-01-16 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: MI

Complaint narrative:
I am writing to formally express my concerns regarding zelles handling of disputes particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Dispute using Zelle numerous times and reporting discrepancies, my financial institute and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds were impossible and that tracking these funds were unfeasible. The CFPBs finding indicate that Zelle has not only neglected to protect the consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scam. 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 2025-01-15 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: NV

Complaint narrative:
Account name XXXX XXXXXXXX {$1300.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$1300.00} written off. {$1300.00} past due as of XX/XX/XXXX. 
Show more Account name XXXX XXXX Recent balance {$480.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$480.00} written off. {$480.00} past due as of XX/XX/XXXX. 
Show more Account name XXXX XXXX XXXX  Recent balance {$1200.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$1200.00} past due as of XX/XX/XXXX. 
Show more Account name XX/XX/XXXX Status Open. {$1500.00} past due as of XX/XX/XXXX. 
Show more Account name XXXX XXXX XXXX XXXX Recent balance {$1000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$1000.00} past due as of XX/XX/XXXX. 
Show more Account name XXXX XXXX Recent balance {$1500.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Show more Account name XXXX 
Recent balance {$1300.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$1300.00} written off. {$1300.00} past due as of XX/XX/XXXX. 
Show more Account name XXXX XXXX XXXX... 
Recent balance {$610.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$610.00} past due as of XX/XX/XXXX. 
Show more Account name XXXX XXXX XXXX Recent balance {$730.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$730.00} past due as of XX/XX/XXXX. 
Show more Account name XXXX XXXX XXXXXXXX XXXX... 
Recent balance {$3900.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$3900.00} written off. {$3900.00} past due as of XX/XX/XXXX. 
Show more Account name XXXX XXXX XXXX Recent balance {$170.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$170.00} written off. {$170.00} past due as of XX/XX/XXXX. 
Show more Account name XXXX XXXX  XXXX. 
Recent balance {$580.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$580.00} written off. {$580.00} past due as of XX/XX/XXXX. 
Show more Account name XXXX XXXX Recent balance {$2600.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$2600.00} past due as of XX/XX/XXXX. 
Show more Account name XXXX Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Closed. {$250.00} written off. 
back to top Accounts in good standing

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: WI

Complaint narrative:
I am writinf to formally express my concerns regarding Zelle 's handling disputes particulary im light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite utilizing zelle numerous of times and reporting discrepancies my instituion and zelle have failed to invesgaste my claims. They informed me that recovering lost funds were impossible and couldnt be tracked. The CFPB findings indicate that zelle has not only neglected to protect consumer but also allowed offenders to exploit the system leaving users to vulnerable scams. And it is not acceptable and raisea seroous concerns about consumwr 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 is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Experian Dispute Resolution Department, I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After reviewing my report, I noticed several hard inquiries that I did not authorize. These inquiries are negatively impacting my credit score and were made without my consent. 

Below are the details of the inquiries in question : XXXX XXXX Inquiry Date : XX/XX/XXXX Scheduled to Remain Until : XX/XX/XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Scheduled to Remain Until : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Scheduled to Remain Until : XX/XX/XXXX Please note that I have not authorized these entities to access my credit information, and I am requesting the removal of these inquiries under the Fair Credit Reporting Act ( FCRA ). Section 604 of the FCRA states that a consumer report may only be accessed with the explicit consent of the consumer, which I did not provide for the aforementioned inquiries. 

I kindly ask for a prompt resolution to this matter. Please remove these hard inquiries from my credit report as they were not authorized by me. Additionally, I request written confirmation once this issue has been resolved.

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: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello, I currently hold a Captial One 360 savings account. I read about the lawsuit as ive been impacted by this. The interest rates havent been as promised by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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: VA

Complaint narrative:
I have no knowledge of the account. This is identify theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Complaint Against Portfolio Recovery Associates for Failure to Validate Debt and Request for Credit Reporting Deletion I am writing to formally file a complaint against Portfolio Recovery Associates ( PRA ) for their failure to properly validate a debt they are attempting to collect and their erroneous reporting of this debt to the credit bureaus.

1. Background and Debt Validation Request : On [ date of initial contact or notice received ], Portfolio Recovery Associates contacted me regarding a debt they claim I owe. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I requested that they validate the debt in writing by providing the following : A detailed breakdown of the debt, including the original creditor, the amount owed, and any evidence that I am liable for this debt. 
Documentation proving that they have the legal right to collect this debt. 
However, despite my request for validation, Portfolio Recovery Associates has failed to provide the necessary documentation. This lack of response is a violation of my consumer rights under the FDCPA and FCRA.

2. Credit Reporting Discrepancies and Request for Deletion : As of now, Portfolio Recovery Associates has reported this unvalidated debt to all three major credit bureaus ( XXXX, XXXX XXXX and XXXX ). The continued reporting of this debt is inaccurate and misleading, as the debt has not been validated. This is in direct violation of the FCRA, which requires that only accurate and verified information be reported to credit bureaus.

3. Request for Action : Given the above violations, I am requesting the following actions : Portfolio Recovery Associates immediately cease all collection activities related to this debt. 
They provide valid proof of the debt, as required under the FDCPA. 
The unvalidated debt be removed from my credit reports at all three major credit bureaus : XXXX, XXXX, and XXXX. 
Please investigate this matter and take appropriate action against Portfolio Recovery Associates to ensure my consumer rights are upheld. 

I look forward to your prompt resolution of this complaint. Should you require any further documentation from me, please do not hesitate to reach out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Line of credit was closed while in good standing. Rep stated there were too many open accounts in my name.

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