vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
The false information that is still on my XXXX credit report needs to be removed. It was removed from XXXX XXXX by my dispute and I also filed numerous disputes with XXXX and they will not remove the info from XXXX BUT removed it from XXXX XXXX. They could not validate the debt was mine. This has been going on for over XXXX  years and I need all credit reporting agencies to have this invalid information deleted off my report. 
The XXXX report has duplicated collection accounts. Please keep in mind they were ordered to remove from XXXX XXXX and have not removed this bogus information from XXXX like I originally requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I would be using my card for purchases like grocery shopping for just going to mall. The transactions would go through but navy federal would charge my card days after the transaction and charging me over draft fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: FL

Complaint narrative:
I am writing to formally dispute the inaccurate and misleading information that Experian has furnished and/or reported in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o concerning civil liability for negligence and non-compliance.

Upon reviewing my consumer credit report, I discovered the following inaccuracies : XXXX XXXX  - Account Number - XXXX XXXX. XXXX XXXX  XXXX XXXX - Account Number - XXXX XXXX. XXXX XXXX XXXX - Account Number - XXXXXXXX XXXX XXXX XXXX - Account Number - XXXX XXXX. XXXX XXXX - Account Number - XXXX XXXX. XXXXXXXX XXXX  - Account Number - XXXXXXXX XXXX XXXX XXXX XXXX DISCHARED I have disputed these items on several occasions, yet no corrective action has been taken. Experian 's repeated failure to address these disputes and ensure the accuracy of my credit information demonstrates a blatant disregard for their obligations under the FCRA. This pattern of non-compliance has directly caused harm to my creditworthiness and financial reputation. 
Under the FCRA : 1.15 U.S.C. 1681e ( b ) requires furnishers and consumer reporting agencies to maintain reasonable procedures to assure the maximum possible accuracy of consumer information.

2.15 U.S.C. 1681i ( a ) mandates a reasonable reinvestigation upon notification of a dispute.

3.15 U.S.C. 1681o holds entities liable for actual damages resulting from negligent non-compliance, including costs and attorneys fees.

By failing to properly investigate and correct these inaccuracies, despite my repeated disputes, Experian 's actions clearly constitute negligence and willful non-compliance with federal law.

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 2025-01-22 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: LA

Complaint narrative:
They wont let me in my account to get the information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: MID FLORIDA FINANCING LLC
State: FL

Complaint narrative:
The reason I'm filing this complaint against Mid Florida Financing LLC is i have asked them several occasions to shave some on the financial responsibility off of the loan that they sponsored in XX/XX/XXXX and they are not cooperative in regard to the situation that has evolved over the past year with my current XXXXXXXX XXXX XXXX  The vehicle is XXXX down nearly XXXX in regards to value and I still have XXXX XXXX years left on the loan. The sales person at Ok cars a year ago told me the vehicle loan was for XXXX XXXX years and now after examing the loan further, I was lied to and it actually is a XXXX XXXX year loan. With XXXX XXXX years left on the loan, I'm now in question of the whole transaction. They did not disclose a recall on the vehicle with the XXXX models of XXXX XXXX having a major issue with the paint peeling on the whole vehicle. The vehicle is peeling so badly that it needs repainted immediately and I need a vehicle that's at least, not all around peeling paint daily. I called them 3 months ago about the issue and asked them to repaint the vehicle and they refused, but it is under warranty, it does not cover paint. My point is I owe XXXX and have XXXX XXXX years left to pay the loan off. I need help in either lowering the cost of the remainder of the loan, a paint job or have them pay for the paint job. I'm very disappointed and scared at this moment on the future of the vehicle and I need assistance with this subject before I end up with no paint. I have contacted the loan company and they refuse to do anything but saying for me to paint the car and they would knock some payments off the end of the loan. Thats not going to help me as a consumer who was lied to about the length of the term of the loan and was not disclosed information at purchase about the recall of the paint or the actual loan being XXXX XXXX years. And I know the loan was signed however, the salesperson XXXX at the dealership ok cars, knows what I was told at the dealership. I would appreciate anything that you help with to rectify the issue. I feel cornered and helpless. Thank you. Are the dealerships having to disclose a recall on a vehicle by law, I believe so and ok cars has refused to help. Now I have a XXXX XXXX balance on a car that is peeling paint extremely. If I would have been made aware of the recall, I would have never signed the loan and purchased the vehicle. Also, the car is XXXX XXXX down and will destroy my credit if I let them take it back. I need a remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
My credit score is over XXXX with best buy my interest rate is over 30 % thats sad

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 2025-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Eastern Account Systems of Connecticut, Inc.
State: IN

Complaint narrative:
I received a call from someone who represented themselves as an agent on behalf of XXXX XXXX, for an amount owed {$85.00}, i called back and made the payments. 

I did my attempts to XXXX and contact Eastern account systems to get an understanding of that this charge was, i was placed on extended holds that exceeded XXXX minutes. that is when i decided to contact XXXX XXXX as i was on the understanding my account was compromised. 

In XXXX i saw a charge on my credit card from EASTERN ACCOUNT SYSTEMS, that did not register, i therefore proceeded to dispute the charge, closed my credit card and received a new card. 

In XXXX, Eastern account systems placed a collection item on my credit report, when i called they mentioned that they are a collection agency I was succesfully able to reach and contact and talk to a live agent on XX/XX/2025, my first communication with an agent was very abrupt, i asked to speak to the supervisor, she laughed and said supervisor is nt available and will contact me in XXXX. this frustrated me, i asked to speak to someone else and she said good bye and hang up. 
I called again and after another XXXX minutes of wait i talked to the agent, explained and made full payment. 
My concerns : Prior to forwarding to collections, XXXX XXXX never made attempts to notify me of outstanding balance despite of me giving a forwarding address to my previous apartment. 

When i received a phone call from Eastern accounts, the agent didnt mention Eastern accounts, i was informed its a collection on behalf of XXXX XXXXXXXX XXXX hence me not having a full corelation of the charge when it appeared on my credit card. 
As a debtor, i should have easy access to make a phone call and talk to the agent without extended extra ordinary wait which hinders my ability to make the payment or have an understanding of the amount owed. 

Eastern accounts bully clients by placing collections on their credit reports without proper communication to the clients. If indeed the have fair practices it should not be a hustle and their agents should be detailed enough to make consumers aware.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: LA

Complaint narrative:
This ENTITY is in violation of The XXXX XXXX of XXXX. Also, The Fair Debt Collection Act by The Federal Trade Commision. incurring interest on accounts that are closed and putting this information on my credit report and sharing it with third parties!!! 
Violations of My Consumer Rights!!!

28 3002-10 ( Person ) 18 USC Section 241 15 USC 1650 15 USC 1692 ( g ) ( d ) 18 USC 657 18 USC 1032 
XXXX XXXX  Adding delinquent accounts to my credit report. XXXX XXXX XXXX XXXX Keeping accounts in Negative Status. Violations of CONSUMER RIGHTS. VIOLATIONS OF CONSUMER LAW 'S. FRAUDULENT BUSINESS PRACTICES!!!! 15 USC 1650 15 USC 3002-10 ( Person ) 18 USC Section 241 UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized.

ARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, I reached out to CASHAPP about receiving a cash card with the name XXXX XXXX on it. I was married in XX/XX/XXXX and on that day my name was formally changed to XXXX XXXX. So theres no reason why I should have received anything from cashapp ( because I had an ACTIVE account with them ) in any name but XXXX XXXX. Upon investigating, cashapp sends me an email stating they closed the XXXX XXXX account and everything was fine. On XX/XX/XXXX, I received a text from cashapp stating my account was closed due to gambling and terms and conditions violations. I reached to customer service and they said they couldnt tell me anything. I called their customer service number and was told I could appeal. The appeal person sends me an email stating my account will remain closed and thats all they could say. I repeatedly told them that I DO NOT GAMBLE, that Im a stage XXXX XXXX patient that doesnt work and I use my account to pay my bills/co-payments for XXXX. They still closed the account. Fast forward to today, XX/XX/XXXX, I received a XXXX firm in the mail for XXXX XXXX XXXX I opened it because I didnt understand why I was receiving any tax forms for XXXX XXXX XXXX XXXX XXXX has not worked since XXXX, as XXXX XXXX XXXX NO LONGER EXISTS. When I opened the letter I saw that SOMEONE opened a cashapp account using my former name, social security number, AND cashapp allowed them to collect money. Money that theyre asking me to pay taxes for. My identity has clearly been stolen and when I reached out AGAIN theres nothing they can tell me. They cant tell me how they allowed this to happen. They cant tell me how they allowed cash transactions to go through and not once asking me if I did it or not. They allowed {$XXXX} in transactions under my old name. If they properly investigated they would see this isnt me and I need help finding out who did this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I uploaded proof which consisted of a payment activity activity summary sent to me by my mortgage company, showing that my payments had been made. I submitted this proof to XXXX and they got back to me in one day and said my dispute was closed because the company reported the information on my report was correct when I uploaded document sent to me from the company showing that it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: AL

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

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

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

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

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

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 2025-01-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently reviewed a copy of my credit report and realized some alarming information.I found there were fraudulent accounts that I have no knowledge of.I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made.I believe I am a victim of identity theft. 
These accounts being reported in my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts.This is a clear violation of my fair credit reporting act ( FCRA ) I ask that the accounts listed below be removed because its in clear violation of the fair credit reporting act section 15 U.S code 1681i-Procedure in case of disputed accuracy.I ask that the accounts and inquiries be investigated throughly and as a result removed from my credit report.

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 2025-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-22 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

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

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

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ADP Inc.
State: CO

Complaint narrative:
I have a XXXX XXXX XXXX XXXX through work that is managed by ADP. The limit for XXXX contributions for 2025 is {$23000.00}. However, there is no option to set your contribution to the maximum. The only option is to select a percentage of your paycheck to go into your XXXX. The user interface does not allow for users to put decimal points in the percentage either, so it's not possible ( or not easy ) to maximize your XXXX contributions for the year.

Company response to consumer: Closed with explanation