vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Subject : Request for Documentation and Proof of Interest Accrual Validity Dear Aidvantage, Thank you for your response regarding the interest accrual on my student loan account. I acknowledge your explanation ; however, I require further clarification and supporting documentation regarding your assertion that my 0 % interest rate eligibility did not begin until XX/XX/ XXXX. 

Given that I was enrolled in the Saving on a Valuable Education ( SAVE ) Plan, which explicitly states that interest does not accrue while monthly payments are {$0.00}, I find the reasoning provided in your response insufficient. Furthermore, statements made by XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX, indicated that all borrowers enrolled in the SAVE Plan would benefit from an interest-free forbearance during this period. 

I respectfully request documented proof or official guidance that demonstrates why my 0 % interest eligibility under the SAVE Plan did not begin until XX/XX/XXXX. This proof should include : 1XXXX XXXX XXXX XXXX  guidance or policy outlining the criteria used to determine the delayed start date of my 0 % interest eligibility. 

2. Specific justification as to why my account, which was placed in forbearance starting XXXX XXXX, XXXX, did not qualify for 0 % interest immediately. 

3. Any communication records or documentation sent to me informing me of this delayed eligibility date.

4. Documentation or Official Guidance : Any federal guidelines, court rulings, or instructions from XXXX XXXX XXXX XXXX XXXX XXXX explicitly stating that my 0 % interest rate eligibility began on XX/XX/ XXXX, rather than XX/XX/ XXXX. 

5. Detailed Timeline : A clear breakdown of how and when the 0 % interest benefit was applied to my account, including any delays or actions taken by Aidvantage or FSA.

6. Account Records : Copies of all relevant communications or records from Federal Student Aid that directed the implementation of interest accrual on my account. 

It is my understanding that, as a borrower, I have the right to transparent documentation and explanations for any charges applied to my account. Without proof or further clarity, the interest charged during the stated forbearance period remains questionable. 

Please note that I expect a detailed and thorough response, along with all supporting documentation, within 15 business days. Should you fail to provide sufficient evidence, I will consider pursuing additional avenues, including legal action, to ensure compliance with federal student loan regulations and borrower rights. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the information you have reported to the credit bureaus regarding my account ( Account Number : [ Your Account Number ] ). Upon reviewing my credit report, I have identified several inaccuracies, errors, and potential violations of federal and state laws governing consumer credit reporting and billing practices. 

Disputed Information The following information is inaccurate and requires correction or deletion : XXXX XXXX 7 late payments XXXX XXXX XXXX XXXX 13 potentially negative months XXXX XXXX XXXX  17potentially negative months XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX [ Additional inaccuracy, if applicable ] Legal Basis for Dispute Violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) Under the FCRA, you are required to conduct a reasonable investigation of disputed information and correct or delete inaccurate, incomplete, or unverifiable information. Failure to do so constitutes a violation of federal law. 

Violation of the Fair Debt Collection Practices Act ( FDCPA ), XXXX5 U.S.C. 1692e If this account has been reported inaccurately or misleadingly, it may constitute a false representation of the debt, which is prohibited under the FDCPA.

Violation of the Uniform Commercial Code ( UCC ), Article 3 Under UCC Article 3, which governs negotiable instruments, I have the right to dispute any unauthorized or improperly executed transactions. If the account in question involves a negotiable instrument, I request proof of the original agreement and a detailed accounting of all transactions. 

Violation of Consumer Financial Protection Bureau ( CFPB ) Regulations The CFPB enforces federal consumer financial laws, including those related to accurate credit reporting and billing practices. I request that you comply with CFPB guidelines by providing documentation to substantiate the disputed information. 

Request for Investigation and Documentation Pursuant to the FCRA and CFPB regulations, I request that you : Conduct a thorough investigation of the disputed information. 

Provide me with copies of all documentation used to verify the accuracy of the account. 

Correct or delete any inaccurate, incomplete, or unverifiable information from my credit report. 

Notify all credit bureaus to whom you reported this information of the resolution. 

Notice of Potential Legal Action If the disputed information is not investigated and resolved within 30 days, I reserve the right to pursue further legal action under the FCRA, FDCPA, and other applicable laws. This may include filing a complaint with the CFPB and seeking damages for any harm caused by the inaccuracies. 

Please send written confirmation of your investigation and resolution to the address listed above. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Dear Comenity Bank, this is a direct follow up to your Company response and the actions taken directly after my complaint XXXX filed with the CFPB. 
Unfortunately I am unable to accept your response as it is invalid pertaining to at least one account which was in good standing, completed on payment plan as agreed with you as my creditor. I believe the payment was for XXXX $ monthly, even though I have account assure, and the minimum monthly payment to make was XXXX $ even though I was never given that option. 
I believed that when I signed up for the payment plan and the certified letter I sent directly to you as my creditor asking for consideration on all Comenity Accounts, at that time you accepted and there was no indication that you would not assist with other Comenity accounts. Your most recent explanation is not justified of locking my account for a cease and desist order that was never mailed to you, I did however provide the certified correspondence to show that contact was made and submitted to you as my creditor to ask for assistance due to hardship, but now since my complaint XX/XX/XXXX you have restricted me after a timely payment made for XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have noticed a charged off account on my credit report, however, I do not have the legally required 1099-C for that should have been issued per IRS guidelines of discharged debt. I demand to be provided the requested documentation or clarification regarding the status of this account.

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 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I noticed a charge on my XXXX Capital One card for {$57.00} on XX/XX/year>. I did not recognize or make any transaction to what was described as XXXX XXXX XXXX and immediately " locked '' my card using the Capital one app feature. I called the fraud line and was told by a Capital one agent it was a bike shop or auto supply shop in XXXX. I disputed the charge with the agent and was told they would " investigate '' close my card and send me a new one. After I ended the call in less that 10 minutes I received an email stating that after " thorough '' investigation my claim was denied and I " benefited '' from the fraudulent charge. I'm not sure what kind of investigation could have happened in 10 minutes but it seemed like an auto generated response with no investigation. I called the fraud line back and requested more detail as to what was researched... I asked if they could provide any information on this merchant. I was told that there was no access to anything additional and to try calling back in 48 hours. I went on to explain to the agent that another one of my Capital One cards had also been hacked around the same time... Capital One actually caught this attempted charge and notified me after they declined it. This was for {$920.00} and I confirmed it was fraud and Cap One closed that card. It's apparent that while on vacation somehow my card ( s ) were skimmed or something I don't feel as though Capital one thoroughly researched my claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I have noticed a charged off account on my credit report, however, I do not have the legally required 1099-C for that should have been issued per IRS guidelines of discharged debt. I demand to be provided the requested documentation or clarification regarding the status of this account.

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 2025-01-28 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: CA

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 

This issue appears consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union, where transactions 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 2025-01-28 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: OH

Complaint narrative:
I filed multiple disputes against the creditors XXXX, XXXX, XXXX, XXXX XXXX XXXX and XXXX due to incorrect investigations reflecting on my credit report. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company XXXX XXXX XXXX. They alleged the company of accepting unreliable information, failure to notify the consumer dispute results. This aligns with my situation! XXXX has not attempted to remove, nor correct any information on my report. I'm requesting these derogatory remarks be removed immediately as it is affecting my chances on a better line of credit for a new car and house. XXXX violates my rights as a consumer, as well as federal laws.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
This company has continuously mailed me a latter stating that I owe them {$70.00}. I have called them twice told them I have never signed up for their XXXX XXXX and they said they would close my account, once again sent me the same letter a month later. XXXX XXXX XXXX, I told them I would take this to a lawyer they got scared and said we will close it again, yet again sent the letter for a third time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It has come to my attention. My personal information has been exposed in the national data breach reviewing my credit reports I noticed some accounts I am unfamiliar with. I have asked to CRAS for validation of my debt however, the information has not been provided due to my information being exposed I have submitted a FTC complaint reporting the information. I am not familiar with.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Checkr, Inc
State: GA

Complaint narrative:
The company CHECKR shared a background check to my employer without my written consent. This company also shared negative information that is over XXXX XXXX XXXX with my employer. This is unacceptable. They are in violation of the FCRA as well as the Privacy Act of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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. 2025-CFPB-0002 ) 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 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Credit karma froze my account the day I received my tax refund advance loan. Upon requesting information of any kind, I am given the run around, and I'm unable to get a single piece of information or reason for why credit karma would do this. Or any reason why turbo tax would refer me to a company who would practice this unethical behavior. 

This took place on XX/XX/XXXX, but i tried to wait until XX/XX/XXXX to call back for information, in which I was still declined anything. Even after doing their live verification process a second time. Also, after researching, this has been an issue for the last 2 years and has affected hundreds and hundreds of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NC

Complaint narrative:
I am disputing the inaccurate reporting of late payments on my XXXX account. XXXX has already updated this account to reflect never late due to XXXX system errors that caused the reporting inaccuracies. I request that you follow suit and correct this error promptly, as it is negatively affecting my credit score.

As outlined under the Fair Credit Reporting Act ( FCRA ) and reinforced by cases like XXXX XXXX TransUnion Corp., credit reporting agencies are obligated to ensure the accuracy of consumer reports and correct any errors swiftly upon discovery. Additionally, the CFPB has documented issues with XXXX failure to adequately investigate disputes in the past, which has led to lawsuits and complaints about mishandling credit inaccuracies. 

Please conduct a thorough investigation and update my account to reflect accurate information, ensuring it reports as current with no late payments. Attached are any relevant documents to assist with your review. I expect confirmation of the resolution of this dispute within the FCRAs required 30-day time frame.

Thank you for your prompt attention to this matter.

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 2025-01-28 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: OH

Complaint narrative:
I filed multiple disputes against the creditors XXXX, XXXX, XXXX, XXXX XXXX XXXX and XXXX due to incorrect investigations reflecting on my credit report. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). They alleged the company of accepting unreliable information, failure to notify the consumer dispute results. This aligns with my situation! Experian has not attempted to remove, nor correct any information on my report. I'm requesting these derogatory remarks be removed immediately as it is affecting my chances on a better line of credit for a new car and house. Experian violates my rights as a consumer, as well as federal laws.

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 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Response to Closed Complaint ( Ref : XXXX ) Request for Goodwill Adjustment on Citi Best Buy Credit Card To Whom It May Concern, I am writing in response to a previously closed complaint regarding the sudden and unjustified closure of my Citi Best Buy credit card account. The reference ID for my original complaint is XXXX. While my previous complaint was closed, I am requesting a formal reconsideration and a goodwill adjustment due to the severe negative impact on my credit score and financial situation.

Background : My Citi Best Buy credit card had a credit limit of {$7400.00} with a balance of {$9200.00} at the time of closure.

- I have never missed a payment or been late on this account. 
- The account was closed without prior warning despite my consistent responsible financial behavior.

- This closure has significantly impacted my credit score by increasing my credit utilization ratio.

- The closure was a direct result of XXXX and XXXX closing my other accounts, creating a domino effect that I had no control over.

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