vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: TX

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccurate information on my credit report. Despite my submissions, XXXX consistently responds within 24 ours 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 provided consumers with the necessary proof of investigation. Account with XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: TX

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccurate information on my credit report. Despite my submissions, XXXX consistently responds within 24 ours 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 provided consumers with the necessary proof of investigation. Account with XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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 inaccurate information on my credit report. Despite my submissions, Equifax consistently responds within 24 ours 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 provided consumers with the necessary proof of investigation. Account with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: AZ

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX  - XXXX - {$0.00} These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under 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 2025-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Loan originated with XXXX XXXX XXXX. No issues. Loan transferred to Newrez who then became Shellpoint. Payment have increased, more than doubled a blatant error. I have called many times and Newrez and no resolution. Seems Fraud by Newrez/Shellpoint charging more than is owed and claiming payment for insurance that is not owned in attempt to triple escrow.

The XXXX  should be based on accurate numbers and not inflated numbers.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
Toyota Financial Services take payments out of my account without my authorization or permission. I am also not enrolled in autopay, when I am late certain days for my payment they automatically take it out of my account without my permission. This is not disclosed properly when you sign up under their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-23 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: GA

Complaint narrative:
On multiple occasions I have disputed incorrectly reported in formation on my credit all for the credit bureau to still report these disputes on my credit I have asked them to provided me with information and I have not receive anything other them telling me that the information is reported accurately. 

XX/XX/year> Report Number XXXX Reported XXXX XXXX XXXXXXXX credit card that was not mine and incorrectly reported on my credit which still remains also under same report I reported XXXX XXXX that was paid off that should have been removed from my credit witch is still being reported I have disputed both of these items multiple times with no result or resolution.

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 2025-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: GA

Complaint narrative:
XX/XX/year> XXXX account was XXXX Jefferson capital is reporting the same account with a different number XXXXthis need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Comerica
State: TN

Complaint narrative:
This concerns XXXX XXXX, and XXXX XXXX, a subsidiary of Comerica Bank. XXXX EIP payments were deposited in my XXXX XXXX account, which is handled through XXXX XXXX. An EIP in the amount of {$600.00} was deposited on XX/XX/year>. A second EIP in the amount of {$1400.00} was deposited on XX/XX/year>. Neither deposit ever appeared on my account balance, hence, I was never able to withdraw the money. I was alerted to the existence of these benefits by a letter from the White House saying that they had been sent. But, I never received them. I can only believe that they were diverted to another account that was not mine. I suspect fraud. No body had access to my XXXX XXXX cards password except myself and the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
On XX/XX/year>, I was approved by Acima for {$1900.00} for furniture purchase at XXXX XXXX  located in XXXX, GA. I was not informed that after the 90 day buy out that I would incur an exorbitant amount of charges. I reached out to the company where I purchased the items to try and return them, but I was denied. By the end of lease agreement, I had paid {$3300.00}. That is almost a double the amount of the actual cost of the furniture!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against cash app ( block in ) 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 the platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair & deceptive, as they did not 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
This is an inquiry from 2016. This information was sent to a third party without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: FL

Complaint narrative:
I am writing to formally request the removal and blocking of specific information from my credit report as a victim of XXXX XXXX, specifically debt bondage. This request is made pursuant to section 605C of the Fair Credit Reporting Act ( FCRA ) and the guidance provided by the Consumer Financial Protection Bureau ( CFPB ). 

As outlined under the XXXX XXXX XXXX ( 12 C.F.R. 1002.142 ( b ) ( 4 ) - ( 7 ) ), I request that TransUnion take the necessary steps to immediately block and delete the following inaccurate or fraudulent accounts from my credit report : Accounts to Be Blocked and Deleted : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Additionally, I request the removal of the following inaccurate phone numbers associated with my credit report : Phone Numbers to Be Removed : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I am also including a letter of support from an advocacy group, which verifies my status as a victim of human trafficking and debt bondage. Under section 605C of the FCRA, TransUnion is required to block this information from my credit report within four ( 4 ) business days upon receipt of this letter and the accompanying documentation.

Enclosed Supporting Documents : A letter from an advocacy group verifying my victim status. 
A copy of my government-issued identification ( e.g., drivers license ). 
I respectfully request your prompt attention to this matter and that you provide written confirmation once the accounts and phone numbers have been blocked and deleted.

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 2025-01-23 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: NJ

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. 
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 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have contacted XXXX 3 times and have never received a response. I have sent the following letter. 

XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX This letter is my THIRD request to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA XXXX USC XXXX Sec. 809 ( b ) that your claim is disputed and validation is requested. 
The following accounts remain unverified, even after multiple attempts to receive validation from you. I request that these accounts be immediately removed from my credit report with all credit bureaus that you report to : XXXX I have not received a validation response to my request for verification on the debt. 
you have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. 
None of the below were provided to me. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT ANY ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: DC

Complaint narrative:
I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by the company. I request they must verify each item on my credit report actually belongs to me, last payment made and date of delinquency. If the item in dispute is inaccurate, misleading, or incomplete, they may have violated federal law in accordance with the Fair Credit Reporting Act, XXXX USC section XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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 regrading 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, were 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 2025-01-23 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: IL

Complaint narrative:
I am writing this to formally express my concerns regarding Zelles 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 infeasible. The CFPBs findings indicate that Zelle has not 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 consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-01-23 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: FL

Complaint narrative:
I am writing to request unauthorized credit inquiries on my XXXX Credit Report. My latest credit report shows 3 credit inquiries that I did not authorize. 

XXXX : Inquiry Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry Account Name : XXXX XXXX Date : XX/XX/XXXX Inquiry Account Name : XXXX XXXX Date : XX/XX/XXXX Experian : Inquiry Account Name : XXXX XXXX Date : XX/XX/XXXX Inquiry Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry Account Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX : Inquiry Account Name : XXXX XXXX Date : XX/XX/XXXX Inquiry Account Name : XXXX XXXX  Date : XX/XX/XXXX Inquiry Account Name : XXXX XXXX  Date : XX/XX/XXXX Inquiry Account Name : XXXX XXXX Date : XX/XX/XXXX Please have these inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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 2025-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to request unauthorized credit inquiries on my XXXX Credit Report. My latest credit report shows 3 credit inquiries that I did not authorize. 

XXXX : Inquiry Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry Account Name : XXXX XXXX Date : XX/XX/XXXX Inquiry Account Name : XXXX XXXX Date : XX/XX/XXXX XXXX : Inquiry Account Name : XXXX XXXX Date : XX/XX/XXXX Inquiry Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry Account Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Transunion : Inquiry Account Name : XXXX XXXX Date : XX/XX/XXXX Inquiry Account Name : XXXX XXXX  Date : XX/XX/XXXX Inquiry Account Name : XXXX XXXX Date : XX/XX/XXXX Inquiry Account Name : XXXX XXXX Date : XX/XX/XXXX Please have these inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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