vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: CT

Complaint narrative:
I closed the billing with the company after sending numerous documents to them for damages and repair work completed on the vehicle. Sent receipts and other documents while communicating with them via fax, phone and email. A few emails where sent back and forth to compete out or rectify the remaining total of the billing to close out the account from can I trial you XXXX XXXX in XXXXXXXX XXXX. Contacting this company to close out and compete the billing would be helpful.

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 2025-01-29 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: TX

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 recen 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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Credit Systems, L.P.
State: AL

Complaint narrative:
Southwest Credit Systems agreed to delete a collection account for the XXXX XXXX XXXXXXXX XXXX once payment was received. The payment was made, and Southwest Credit systems updated the balance but did not delete the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX reported a car loan to Transunion and the other bureaus that a car loan was closed and paid in full, that no further money was owed, and Transunion is failing to report it

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 2025-01-29 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-29 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: AL

Complaint narrative:
# greenscreenvideo experian XXXX XXXX Search 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 XXXX 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, XXXX '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 XXXX 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 explanation
Consumer complaint received 2025-01-29 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: AL

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 2025-01-29 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:
My XXXX XXXX XXXX XXXX, previously managed by XXXX XXXX, transitioned to XXXXXXXX XXXX. During this transition, my login credentials changed, and my autopay was removed without notice. As a result, I was unable to access my account and verify my payment status. Additionally, my mailing address was outdated in their system, so I did not receive statements or alerts. 

Once I became aware of the issue, I paid off the account in full, and my balance is now settled. Despite this, XXXX refuses to remove the late payment, even though the delay was caused by their transition process, not negligence on my part. 

I am requesting that the late payment be removed from my credit report as this was an error beyond my control, and my account is now in good standing. The bank decided not to correct this despite they DID have my autopay information but they did not activate it when transitioning to the new bank.

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 2025-01-29 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:
My XXXX XXXX XXXX XXXX, previously managed by XXXX XXXX, transitioned to XXXXXXXX XXXX. During this transition, my login credentials changed, and my autopay was removed without notice. As a result, I was unable to access my account and verify my payment status. Additionally, my mailing address was outdated in their system, so I did not receive statements or alerts. 

Once I became aware of the issue, I paid off the account in full, and my balance is now settled. Despite this, XXXX refuses to remove the late payment, even though the delay was caused by their transition process, not negligence on my part. 

I am requesting that the late payment be removed from my credit report as this was an error beyond my control, and my account is now in good standing. The bank decided not to correct this despite they DID have my autopay information but they did not activate it when transitioning to the new bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My XXXX XXXX XXXX XXXX, previously managed by XXXX XXXX, transitioned to XXXXXXXX XXXX During this transition, my login credentials changed, and my autopay was removed without notice. As a result, I was unable to access my account and verify my payment status. Additionally, my mailing address was outdated in their system, so I did not receive statements or alerts. 

Once I became aware of the issue, I paid off the account in full, and my balance is now settled. Despite this, XXXX refuses to remove the late payment, even though the delay was caused by their transition process, not negligence on my part. 

I am requesting that the late payment be removed from my credit report as this was an error beyond my control, and my account is now in good standing. The bank decided not to correct this despite they DID have my autopay information but they did not activate it when transitioning to the new bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My loans originated with XXXX XXXX then went to Navient then now is serviced by XXXX. For several years I have called and requested explanations. I was encouraged early in the loan to consolidate but never once did they mention that they would be considered private student loans. I have some private and some federal loans. I originally borrowed approximately {$76000.00} I have made approximately {$76000.00} in payments and the amount I owe is {$88000.00}. No one can explain this to me. I am getting ready to retire and I need to figure this out. Again multiple questions to them yet no answers. How can this be legal? 
I believe the loan is still held by Navient but serviced by XXXX. 
Thank you for addressing this. 
XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: WA

Complaint narrative:
I initially sent in my Temporary Expanded XXXX application with supporting documents on XX/XX/XXXX, at which time I had enough qualifying payments for forgiveness. MOHELA did not count all of my payments. They did not count XXXX months of certified employment for XX/XX/XXXX to XX/XX/XXXX. They also did not count XXXX months of certified employment from two part-time jobs that totaled XXXX hours per week from XX/XX/XXXX to XX/XX/XXXX. They also did not count XXXX months of updated employment from my employer XXXX XXXX XXXX ( they showed it as a duplicate form, even though it had an additional year of employment ). All of this added up to XXXX months not counted! I spoke to MOHELA on XX/XX/XXXX and again on XX/XX/XXXX, in which both times the representative acknowledged the errors and told me my payment counts would be reflected within weeks. I filed a complaint with the XXXX XXXX XXXX ombudsmen, but was told that I needed to work it out with my lender. I continued to make payments to MOHELA between XXXX and XXXX. I eventually was notified on XX/XX/XXXX by FSA that I was approved for XXXX  with an effective date of forgiveness on XX/XX/XXXX. However, those XXXX qualifying months were NEVER counted ; if they had been, the effective date of my forgiveness should have been XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I am writing to formally dispute the collection account that you have placed on my credit report in connection with an apartment complex that I never signed up for. This account was opened fraudulently as a result of identity theft, and I have no contractual obligation to it. 

Upon reviewing my credit report, I discovered that your company has been reporting this collection, along with accruing interest, on a monthly basis. This ongoing reporting has had a severely negative impact on my credit score and financial well-being. I am requesting an immediate investigation into this matter and the removal of this fraudulent account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX XXXX XXXX - XXXX Listed below are the Personal Information that are beings required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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 filing 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 2025-01-29 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: NJ

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 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 inform me that recovering lost funds was impossible, and that tracking these transactions was unfeasible, the CFPBs findings indicate that Zelle has not only been neglected to protect consumers, but has also allowed offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and XXXX serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: GA

Complaint narrative:
I have submitted FTC reports and have also submitted proof where the lenders have violated FCRA section code 15USC-1681 ( a ) ( 6 ) ( B ) ( iii ) Willful Noncompliance. The lenders are committing fraud by reporting a fraudulent Account and by going after me for the debt and they have written the debts as a charge-off and have received a tax break for the debts! They are committing fraud with the IRS!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
I requested removable of XXXX XXXX XXXX from my credit report. This issue has been investigated and addressed to XXXX with verification to correct its errors on my credit report, however XXXX XXXX XXXX remains on my credit report. XXXX, with XXXX XXXX lawsuit and Federal Laws governing this issue. I'm requesting immediate removal of XXXX XXXX XXXX from my credit report. The results of remaining on my credit report continues to cause irreparable harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing 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 redressfor these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IA

Complaint narrative:
I am filing a complaint against cash app ( Block , INC ) due to inadequate customer service and unfair practices, which violate the customer 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