vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I attempted to fix with the rental property because they stated that did not provide 60 days notice to vacate in writing which was provided. As I was in the process of my last week they stated that they did not have a 60 day notice and I had to provide another and pay for another month. the rental property was provided key and a additional notice to vacate. I attempted to work this out with the apartment but I had provided documentation and spoke with a agent regarding my 60 day notice and had to go to my new home. I was not aware of the debt until pulling credit report on XXXX XXXX. It also stated that I had a eviction on record regarding this however i provided 60 day notice and was gone before the day of the end of my 12 month lease. I am getting calls from TRANSWORLD SYSTEM INCXXXX this is not the original creditor XXXX XXXX XXXX XXXX My security deposit was also taken due to damages, that werent all a result of my residence there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Tesla, Inc.
State: IL

Complaint narrative:
I am a victim of identity theft, and I need these removed. I already made an FTC report to get these removed on all three credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: IL

Complaint narrative:
Experian has failed to 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. Where Experian has neither corrected nor removed

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 2025-01-26 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: TN

Complaint narrative:
Equifax continues to report FALSE, and INACCURATE and DAMAGING information regarding my account with XXXX XXXX as being late!! It was not late, and now I have screen shots! 
I will be notifying an attorney next! 
How can an account be LATE IN XX/XX/XXXX WHEN IT WAS PAID OFF AND CLOSED BY THE DUE DATE ON XX/XX/XXXX? Equifax has been reporting this account as late a few times when it was NOT!! 
Equifax has caused my score to decrease XXXX points at least from this UNLAWFUL AND UNTRUE INFORMATION BEING REPORTED!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I dont know my credit score and and information and Apple Card application and Apple Pay

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: PA

Complaint narrative:
This is my third and final attempt to resolve inaccuracies on my credit report. Despite my previous disputes submitted on XX/XX/XXXX & XX/XX/XXXX, your responses continue to demonstrate a blatant disregard for the Fair Credit Reporting Act ( FCRA ), specifically 609, 611, 617, and 618.

Violations of the FCRA : 1. Section 609 : I requested documentation verifying the accuracy of the disputed items, including the original source of information. You have failed to provide any valid evidence or original documentation that substantiates these claims.

2. Section 611 : Your obligation to conduct a thorough and reasonable investigation of disputed information has not been met. The responses I have received are generic, incomplete, and fail to address the specific evidence I provided.

3. Section 617 : By failing to correct or properly investigate disputed inaccuracies, you have caused direct harm to my creditworthiness. This negligence is unacceptable.

4. Section 618 : Your continued failure to comply with the requirements of the FCRA constitutes willful noncompliance, which exposes you to legal liability for damages. 
To reiterate, the disputed accounts 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

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 2025-01-26 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: VA

Complaint narrative:
Ive been baking with Navy Federal for quite some time now and Ive seen that they are in a class act lawsuit for overdrafts and fee since 2017. During my time baking with Navy Federal Ive come across that issue and wanted to submit a claim. I also wanted to see what I needed to do to see if I qualify to submit on this matter.

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I, XXXX XXXX, am filing this complaint against CashApp due to being a victim of a scam and hack that resulted in unauthorized access to my CashApp account and the loss of funds. I believe CashApp failed to adequately protect my account from fraudulent activities despite my efforts to maintain account security, such as [ list any security measures you took, such as using a strong password, enabling two-factor authentication, etc. ].

The fraudulent transaction ( s ) occurred on dates and times and were not authorized by
me. Upon discovering the unauthorized activity, I immediately reached out to CashApps customer service team for assistance in resolving the issue. However, I have not received any meaningful resolution, and the funds remain unrecovered.

As a result of CashApps failure to ensure the security of my account, I have suffered emotional distress. I believe CashApp has neglected its responsibility to protect its users from scams and hacks and has failed to provide adequate support in resolving the issue. 
I am submitting this complaint to bring attention to the security flaws in CashApps system and to seek a fair resolution. I request I be fully compensated for my pain and suffering, as I believe CashApp is responsible for the lack of sufficient account protection and the failure to resolve this issue in a timely manner. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Was not given notification to verify correct person before sending money not notified prior to that money can not be refunded

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 2025-01-26 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:
To whom it may concern, I am reaching out to report that I have been a victim of identity theft, which I believe occurred as a result of the recent data breach involving Equifax and XXXX. This breach has led to fraudulent and inaccurate information being added to my credit report with Equifax. Under 15 USC 1681c-2 ( a ), I am requesting the immediate blocking and removal of this false information from my credit file. I kindly ask for a prompt investigation into this matter to ensure my rights as a consumer are protected. 

XXXX XXXX XXXX XXXX- {$1500.00} Date Opened - XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax has caused me great distress due to the way my credit score has been handled. In XX/XX/year>, they reduced my score by XXXX points due to erroneous and inaccurate reporting by a card company. This dramatic reduction has unjustly impacted my credit rating, downgrading it to poor credit and ruining my chances of qualifying for a home loan. 

These actions reflect biased and unjust practices that undermine consumers like me. The reduction in points highlights the inadequacy of Equifax 's rating system, which appears skewed and fails to fairly represent my responsible payment history and consistent financial behavior. The inaccuracies in their reporting have created significant and unwarranted obstacles in achieving my financial goals, including homeownership. 

I urge Equifax to correct these errors immediately and ensure that my credit report accurately reflects my payment history and financial responsibility. This unjustified downgrade must be rectified to prevent further harm to my financial standing and future opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: MS

Complaint narrative:
I recently reviewed my credit report and noticed an account ( XXXX ) was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments. I've attached a copy of my report to this complaint on the following dates ( XX/XX/year>, XX/XX/year> ) They are inaccurately reporting that I was 60 days late when I havent been 30 days late. I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: United Credit and Collections Inc.
State: TX

Complaint narrative:
Good evening, To who it may concern, I am writing to formally dispute a charge-off entry on my credit report, which I believe is inaccurate. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681, I have the right to dispute any information that I believe is incorrect or incomplete. 

The charge-off in question is listed on my credit report as follows : Creditor Name : UNITED CREDIT & COLLECTIONS Date of Charge-Off : XX/XX/year>2024 I have thoroughly reviewed my records, and I believe that this charge-off is incorrect for the following reasons : A dollar amount was placed on my credit report for a bill that I no longer owe. I have disputed this bill a couple of times in the past however, it is now back on my credit report. The company regarding this complete is aware that I have made all my payments. 

In accordance with FCRA Section 1681i, I request that you investigate this matter and remove the inaccurate information from my credit report. I have included copies of any supporting documents that substantiate my claim. 

Please conduct your investigation and provide me with the results within 30 days, as required by law. Additionally, I would appreciate a written confirmation of the outcome of your investigation. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have had issues with Chase Bank and tried several times to fix this issue and Im just learning I can complain with you all. Chase bank twice failed to protect my money and I sent it several documents requested by chase and the denied my claim. I had an account that was close I think that account number ended in XXXX. Month ago I tried to get those transactions but they claimed they didnt have them but th are supposed to keep records 7 years. One transaction was for a little over {$1500.00} when my vehicle was supposed to be repaired but the shop failed to repair it and CHASE BANK didnt protect my money around 2019 it will be the only transaction in that amount range for a XXXX XXXX XXXX Also another time a transaction around XXXX XXXXXXXX {$750.00} from XXXX XXXX located in XXXX Texas on both of these times because they feel like they could get away with it I was screwed and I felt powerless and I still to this day want and need my money. Like I said I have tried multiple times over these time frames to get my money back and Chase Bank didnt take me serious because they felt like they had the upper hand in this situation. I NEED SOME HELP GETTING ALL OF MY MONEY BACK. The reason I went to Chase is because Im expecting eventually funds that is going to require me to have a personal banker but if they are screwing me with small funds like this how would they treat me with large sums of money? At one time Chase was my primary bank but after several fail attempts to get my money back that rightfully mines Im convinced Chase doesnt give a dam about people they consider as a nobody. I need help getting my money back and I need your help to make Chase do what is right and not what they want to do I want all claims that is attached to my social security number that was denied by Chase to be refunded to me. Im not asking for anything free but Im asking for what is owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: FL

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 2025-01-26 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection bureau 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. 

Account number XXXX XXXX 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 explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX LVNV Funding, LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXubject : Cease and Desist Request AccountXXXX XXXX XXXX  & XXXX XXXX Dear LVNV Funding, LLC, I am writing regarding the above-referenced accounts. I have not authorized anyone to use my name or personal information concerning these accounts. Therefore, I am formally requesting that you cease and desist all calls and communications with me regarding these accounts, effective immediately. 

Additionally, I demand that these accounts be removed from all three major credit bureaus ( XXXX, XXXX, and XXXX ) within five ( 5 ) days of your receipt of this letter, as they are not valid and have been reported without my consent.

Please be advised that under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), once a written request to cease communication is received, a debt collector must cease all further communication except to notify the consumer of specific legal actions. Moreover, the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, provides consumers the right to dispute inaccurate information and requires credit reporting agencies to remove unverifiable data from credit reports.

Failure to comply with my request will leave me no choice but to take further legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering potential legal remedies for violations of my rights under federal law. 

Please confirm in writing that you have received and will comply with this request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I just pulled my consumer reports I noticed you are furnishing a Navient student loan account on my consumer that is inaccurate. 
I do not have any contract nor does Navient have any permission to report any information concerning my student loans. 
That information is private information and is protected by the XXXX XXXX Rights and Privacy Act of 1974. 
This account needs to be deleted from my consumers as this is a clear violation of my rights to privacy. 15 USC 1681a ( 4 ). 
The amount and detail of the character being reported by Navient is an accurate. Navient is not a trust worthy source of information as they have been banned by the CFPB and FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
This is about zell and not having the security that should have been in place for an feature thats so important!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX account. This deliberate obscurity and lack of transparency violated XXXX XXXX and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices.

Company response to consumer: Closed with explanation