vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am filing this complaint against XXXX and National Credit Systems ( NCS ) due to multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Both entities have failed to comply with federal laws by reporting inaccurate information, failing to investigate disputes, and not responding to debt validation requests within the required timeframe.

Details of the Complaint 1. Failure to Investigate Credit Dispute ( FCRA 611 ( a ) ) On XX/XX/year>, I formally disputed the validity of an account reported by National Credit Systems on my XXXX credit report. 

XXXX and NCS failed to provide verification or remove the disputed account within the 30-day timeframe mandated under FCRA 611 ( a ). 

2. Inaccurate Reporting of Debt ( FCRA 623 ( a ) ( 3 ) ) NCS failed to notify XXXX that the account is disputed, violating FCRA 623 ( a ) ( 3 ). 

Despite the dispute, XXXX continued reporting the account without proper verification. 

XXXX. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) My request for debt validation was sent to National Credit Systems ( XXXX XXXX XXXX ) and XXXX ( Tracking # XXXX ) on XX/XX/year>. 

NCS did not respond within the 30-day required timeframe, violating FDCPA 809 ( b ).

4. Pattern of Non-Compliance by XXXX The CFPBs previous complaint against XXXX highlights a pattern of failing to correct inaccuracies and investigate disputes properly. 

My case mirrors the past CFPB complaint findings, reinforcing that XXXX continues to ignore dispute resolution responsibilities. 

XXXX 's systemic issues with dispute handling and data accuracy warrant further investigation and criminal liabilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: NV

Complaint narrative:
Equifax investigated and found that my name, address and SSN had be part of there data breach.

Equifax data breach, the FTC and Equifax settled, offering affected users settlement funds and free credit monitoring. Equifax sent me a check admitting my information was compromised. 
As a credit bureau, Equifax keeps incredibly detailed consumer data about everyone, including peoples names, dates of birth, Social Security numbers, and credit card numbers. We learned that Equifax had failed to put the appropriate security measures in place to protect this information, fix known security flaws, or monitor its network for suspicious activity. Equifax had a responsibility to protect our data and it failed. Thats why the largest breach of consumer data required nothing less than the largest ever data breach settlement in history. 
The settlement with Equifax includes up to {$420.00} XXXX in restitution for customers whose personal information was compromised. I want to make sure that everyone who was affected can file a claim and get some form of restitution. You have until XXXX XXXX XXXX heres what you need to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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:
On XX/XX/year>, I submitted a written dispute to TransUnion regarding inaccurate and unverifiable information on my credit report. My dispute included proper identification and proof of residency, meeting the requirements of the Fair Credit Reporting Act ( FCRA ) 609 and 611.

However, TransUnion unfairly rejected my dispute, stating that it did not appear to come from me or a properly authorized third party. This is completely false, as I personally submitted the dispute with all required documentation.

By failing to process my dispute, TransUnion has violated my rights under the FCRA, specifically : Failing to investigate my dispute within the required 30-day timeframe ( FCRA 611 ).

Failing to verify disputed accounts through a reasonable and detailed process ( FCRA 609 ).

Failure to remove inaccurate or unverifiable information ( FCRA 611 ( 5 ) ).

I also filed a second request to require a new investigation, but TransUnion has not taken appropriate action. Their refusal to investigate is causing ongoing financial harm and negatively impacting my creditworthiness.

This conduct is unfair, deceptive, and a direct violation of my rights as a consumer.

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 2025-02-02 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: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properiy 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. 

The following are the accounts in question 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hey, I'd like XXXX XXXX 's information off my credit report & identifying by her old address & XXXX XXXX XXXXe as well .Can use my High School, Elementary School , Junior High School . Street I grew up on New York jobs i held as well.

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 2025-02-02 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: IN

Complaint narrative:
I am filing this complaint against XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX and XXXX between ( XX/XX/XXXX, XXXX XX/XX/XXXX ) for unauthorized credit inquiries on my consumer credit reports. These inquiries were conducted without my consent or a permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. 

Details of the Violation XXXX. XXXX : I engaged in a barter transaction with XXXX but received nothing in return. 
XXXX closed the account before the XXXX timeframe, preventing me from verifying approval or conducting further business. 
I did not obtain any financial benefit, no permissible purpose existed for this inquiry. 
XXXX. XXXX, XXXX and XXXX I did not authorize to conduct a credit inquiry. 
I do not have an active credit relationship or open account with these companies Violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b Permissible Purpose : These companies had no valid reason to access my credit report.

15 U.S.C. 1681i Accuracy of Consumer Reports : The credit bureaus failed to verify these inquiries properly, leading to inaccurate reporting.

15 U.S.C. 1681n & 1681o Civil Liability : These unauthorized inquiries have negatively impacted my credit profile, and I reserve the right to pursue legal action for damages.

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 2025-02-02 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have my mortgage payments set up on auto pay. I have never been late and my checking account shows that my payments have been made on a timely basis. I have called 5 time starting in XXXX to have the issue resolved and they say each time that issue has been resolved on Newrez LLC end. This issue first happened on XX/XX/XXXX when I received an alert that my credit score has went down from XXXX to XXXX due to a past due payment to Newrez LLC for my XX/XX/XXXX payment. I called Newrez LLC the next business day and they said I did make my payment but that it was applied to the incorrect account. The agent on the phone also confirmed that it was resolved and would not happen going forward. I also asked if they were going to fix my credit report and the Newrez LLC agent stated that it would be corrected in the next 30 days. On XX/XX/XXXX I noticed that my credit report was not updated showing my payments were not past due and called an agent to ask why my credit report was not updated. The agent state that i need to submit a request in writing and then it would be updated. I also asked to confirm that no future payment issues would arise like with my XX/XX/XXXX payment. The agent said that yes it has been corrected. Newrez LLC did update my the XX/XX/XXXX payment on my credit report but has now reported that id did not make my XX/XX/XXXX payment. I have attached my bank statement showing all of my past Newrez LLC payment going back to XX/XX/XXXX 2024

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 2025-02-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am being charged late fees when my payments have NOT been late. This has been ongoing since XX/XX/year>. Every month has been charged a late fee and they are saying that my payments are a day late or late by 3 days if its a weekend due date. I have proof from my bank showing the day of funds delivery. Documents are attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
XXXX is reporting a invalid " debt '', a closed, written off, account as open on my credit report. I have disputed this with account with them as well. This account was written off as we know which gives that company a credit of that remaining balance and to which the company Toyota is supposed to provide me with a 1099C after such write off is conducted.

However, Toyota keeps opening this closed account that should not even be on my report since the debt was lawfully written off by filing it with the IRS. The debt does not exist. I have not received my 1099C to file this information on my taxes. Which I have requested from toyota.

The contract with Toyota states any disputes between us or them have to go through arbitration. Which no action of such occurred from Toyota. 

No contract or payment history for this entire loan balance has been provided by XXXX as a verifiable, justifiable or a current debt by any reason, for this account being to be on my credit. No information is being verified by the company itself to be considered verified. Especially not be considered open. 

This tradeline on my credit report states that this is written off which means the debt is non existing. I need XXXX to remove this account immediately. 

This is also creating credit issues for my profile. My payment history went from XXXX percent to XXXX percent once XXXX allowed this account to state as open. My rates are ridiculously past our states XXXX percent law and it because of this false information. 

I am unable to get a house, get a car at a decent payment and get insurance at any payment lower then XXXX. This is causing financial burden and emotional stress. Toyota motor credit is just as responsibly as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: IL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by 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 non-monetary relief
Consumer complaint received 2025-02-02 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: NY

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. 
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 2025-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citibank/XXXX has blocked me from making any purchases via my online XXXX account. I have attempted to place SEVEN ( 7 ) ORDERS, order numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, between XX/XX/XXXX through XX/XX/XXXXXX/XX/XXXX ALL ORDERS HAVE BEEN CANCELLED and neither XXXX nor Citibank can provide a valid explanation. I have made multiple phone calls to XXXX on Sunday, XX/XX/XXXX and have been promised they have resolved the issue but nothing has been resolved. Neither Citibank nor XXXX has been able to provide a reason why they are rejecting the use of my credit card and not allowing me to shop online. Additionally, I have a PERFECT credit score, have a credit history dating back to XXXX, and have had no late payments and yet my account has been blocked from making online orders at XXXX using my XXXX Citibank credit card. I have to believe that I am now being discriminated against because of my religion, because I am 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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Marlette Funding, LLC
State: NY

Complaint narrative:
This account has been payed off and is being placed in my credit report as late payment. Company doesnt want to make the changes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: Exeter Finance, LLC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX XXXX I looked at my XXXX credit report on ( XX/XX/year> ) and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to nor furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have an American Express Gift Card. It is impossible to use. 
I am unable to use it on applepay or to use it with other vendors. 
I would like to card to be redemmed for a check or cash.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-02 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: OH

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 2025-02-02 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 came across the CFPB XXXX lawsuit. 
I feel I was negatively impacted by TRANSUNION hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. 
But I don't see any details about your investigation. 
Do you want to be fined too? 
Come with the receipts, or be quick to delete.

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 2025-02-02 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: GA

Complaint narrative:
Please see supporting documentation pertaining to Equifax data breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX I talked to representative from XXXX  XXXX credit card company. After requesting additional information, the representative told me that the two negative reports on my credit report would be deleted. I was told after 7 to 10 business days, I would see them removed from all 3 bureaus. I was then contacted by XXXX XXXX telling me that they are conducting an investigation. This is going against the verbal contract that was made by the representative and I. I was told that they two debts would no longer be collected. I was told that I was no longer obligated to the debt. Breaking a verbal contract can be pursuide in court. I have the call recording.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I contact the company about existing accounts that were open fraudulently under my name with a balance of {$1200.00}, i asked for the account to be closed.

Company response to consumer: Closed with explanation