vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Im filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.S 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in CFPB 's recent administrative proceeding. ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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: PA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX 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 168i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation for the following accounts : 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 2025-01-19 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: PA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX 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 168i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation for the following accounts : 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 explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Hello, My initial credit limit is {$300.00}. i never received a increase after trying continuously and the card was restricted and no longer useful after interest was put on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: VA

Complaint narrative:
I have experienced repeated issues regarding inaccuracies on my credit report with Transunion. I have submitted numerous dispute letters regarding negative accounts I believe to be incorrect or unverifiable. However, the only response I have received has been a generic statement indicating that the accounts were verified, without any details or evidence of how these errors were verified. 
I have specifically requested validation of how this verification process was conducted, including proof of accuracy for these accounts and I have not received any such documentation. This lack of transparency is concerning and does not align with their obligations under the Fair Credit Reporting Act ( FCRA ) to ensure complete accuracy in reporting. 

Due to the recent violations of the FCRA by credit reporting agencies and the demonstrated inadequacy in verifying disputed information I have been hender when trying to apply for credit, housing and employment If Transunion can not ensure complete accuracy and vaIidation I demand the immediate deletion of the negative accounts.

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 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts in question XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$54.00}. 

XXXX XXXXXXXX XXXX  Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$150.00}. 

XXXXXXXX XXXX Open Account with account # XXXX opened on XX/XX/XXXX and a balance of {$1200.00}. 

XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$490.00}. 

XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$27000.00}. 

XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$250.00}. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$660.00}. The original creditor is XXXX XXXXXXXXXXXX XXXX XXXX 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$100.00}. The original creditor is XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
While checking my credit report, I noticed accounts that was opened fraudulently in my name. Someone used my personal information to open fraudulent credit accounts in my name. I filed multiple identity theft claims against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: MI

Complaint narrative:
Experian is reporting inaccurate information on my consumer report. They are also reporting medical information which is prohibited by the FCRA. I am a consumer, and I don ' t have an account with these following companies as defined under 15 U.S.C. 1681a ( r ) ( 4 ). These accounts : XXXX XXXX XXXX, and XXXX XXXX  XXXX need to be hard deleted from my file immediately as they have no permissible purpose to do such, also the inaccurate reporting of these accounts have caused me harm and injury to my credit reputation. These accounts were previously disputed and Experian failed to conduct a reasonable reinvestigation and update my account to maintain the maximum possible accuracy of information as the FCRA requires.

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 2025-01-19 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 formally to expressing my conserns regarding Zelles handling of disputes, particularly in light of 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 misinformed me that recovering lost funds were impossible and that tracking these transactions was infeasible.the CFPBs findings indicate that Zelle 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 2025-01-19 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 formally regarding multiple overdraft fees that were applied to my account. These fees were assessed despite having sufficient funds available when the transactions were authorized. However, I was unfairly charged overdraft fees due to the delayed posting of charges and credits. 

This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions were settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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 168i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation for the following accounts : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
XXXX ignored my documents and evidence submitted in credit disputes, also they allowed previously deleted inaccuracies to be reinserted into my credit reports, provided confusing and conflicting letters to me about the results of its investigations, and used flawed software code which led to inaccurate credit scores in my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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:
I am writing to formally address Experians failure to verify or correct inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my prior dispute, the erroneous information remains on my report, and I have yet to receive adequate documentation verifying its accuracy.

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 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am willing to file a complaint against Wells Fargo Bankregarding multiple over draft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged feesdue to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Wells Fargo Bank for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practicesare unfair and request an investigation into my account transactions.

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 2025-01-19 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:
Dear Credit Reporting Agencies, I am writing to dispute the reporting of the XXXX XXXX XXXX XXXX ( XXXX ) account on my credit report. This account is inaccurate and unverifiable, and XXXX has already removed it from my credit report as of XX/XX/year>. 

I have contacted both XXXX and XXXX XXXX regarding this account. XXXX XXXX has explicitly stated that the account does not belong to them, and XXXX has failed to provide any documentation verifying the accuracy of this debt. Despite repeated requests for verification, no supporting documents have been provided to me or to you, as required under the Fair Credit Reporting Act ( FCRA ). 

Reporting unverifiable information violates : 15 U.S.C. 1681e ( b ) : Requirement to ensure maximum possible accuracy. 
15 U.S.C. 1681i ( a ) : Obligation to conduct a reasonable reinvestigation. 
I demand that you immediately delete this account from my credit report. Failure to comply with this request will leave me with no choice but to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and take legal action to protect my rights under federal law. 

Please confirm the deletion of this account in writing within 15 days of receiving this letter.

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 2025-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TomoCredit Inc.
State: NV

Complaint narrative:
I opened a tomo credit account and used the money, i finished paying it off and they are still trying to get money out of my bank account had to close my account and i still receive emails every week regarding this, i never received a proof of final payment i have my bank account statement showing every payment made and because they keep charging j believe i overpaid them, i have emailed them with no response theres no number to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: PA

Complaint narrative:
This is the second time I'm requesting to removal all the incorrect information from my credit report. Please find attached Identity theft report included in this file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. these actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding the mishandling of my mortgage account by XXXX XXXX XXXX. Despite being enrolled in auto-pay and ensuring all monthly payments were made on time, some payments were either reported as late or not received, even though the funds were debited from my account. 

I received a foreclosure notice and immediately contacted XXXX XXXX XXXX. I was informed that the foreclosure would proceed unless I provided payment for the months that were allegedly missing. I was also advised that the investigation into the matter would extend beyond the foreclosure date, leaving me with no other option but to make additional payments for the disputed months to prevent foreclosure. 

To resolve the issue, I submitted my bank statements and transaction details demonstrating that the payments were indeed made. My bank also conducted a trace on the funds, confirming they were received by XXXX XXXX XXXX. I repeatedly requested that the reported inaccuracies be corrected and the extra payments applied directly to the loan principal. Additionally, I asked for any fees associated with the alleged late payments to be waived. 

Since XX/XX/year>, I have submitted formal requests through the online portal, provided evidence, and spoken with several representatives to address the incorrect reporting to my credit and to resolve the payment discrepancies. Despite numerous escalations and follow-ups, no resolution has been provided, and I have not received a single return call. 

I respectfully request immediate attention to this matter. Specifically, I ask for : XXXX. A thorough review of my account, including confirmation of all payments made. 
XXXX. Correction of any inaccurate credit reporting related to this issue. 
XXXX. Application of the extra payments directly to the principal balance. 
XXXX. Waiver of all fees and penalties associated with the erroneous late payment reporting. 

I expect prompt action and a formal response to this complaint. Please let me know if any additional documentation is needed.

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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to file a complaint against TransUnion for reporting inaccurate information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

TransUnion is : Reporting a XXXX late payment on my closed XXXX XXXX account. 
Reporting a XXXX XXXX XXXX account as derogatory, despite it having been deleted. 
Reporting an account with XXXX, which I am not liable for. 
Reporting a late payment on my XXXX student loans, even though I have been in forbearance as confirmed by a XXXX representative because I am still in school. 
I request that TransUnion immediately delete these inaccuracies and ensure my credit report reflects accurate and up-to-date information. 

Thank you for your prompt attention to this matter. 

Sincerely,

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 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
on the XXXX of XXXX of XXXX  i was supposed to receive my direct deposit and it is now the XXXX of XX/XX/year> and i have not received my paycheck yet i have contacted my employer and they have stated that everything went through as was supposed to i have verified that the routing number and the account number was entered correctly the bank did have issues with depositing deposits into over XXXX customers and they said on Saturday that the issue was resolved and i still havent received my paycheck i bank with capital one, my employer is XXXX coast supply..

Company response to consumer: Closed with explanation