vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, i was charged fees due to lagged posting of changes and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: TX

Complaint narrative:
Please be advised that as of XXXX XXXX2025 as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : - XX/XX/XXXX XXXX {$25000.00} - XXXX XXXX XXXX - XXXX - {$34000.00} I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above mentioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
i have been trying to reach the reporting agencies and direct with the companies regarding this investigation but now my rights under the FCRA, including Sections 611, 609, and 623, have been violated because I have not received adequate proof of investigation or validation of the following accounts I previously disputed via USPS 1. XXXXXX/XX/XXXX XXXX opened XX/XX/XXXX 2. XXXX XXXX opened XX/XX/XXXX 3. XXXX XXXX XXXX XXXX opened XX/XX/XXXX 4. XXXX XXXX opened XX/XX/XXXX 5. XXXX XXXX XXXX opened XX/XX/XXXX 6. XXXX XXXX opened XX/XX/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 2025-01-24 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX2025 Equifax XXXX XXXX XXXX, XXXX, GA XXXX Subject : Dispute of Inaccurate Credit Reporting Information To Whom It May Concern, I am writing to dispute the accuracy of information on my credit report. Pursuant to 15 U.S. Code 1681o, I am entitled to request an investigation into the following accounts : Account with XXXX XXXX XXXX Account Number : XXXX Explanation of Issue : I was unaware that my information was being shared with this collection company. I was neither informed nor given any prior notice about this. 

Account with XXXX XXXX XXXXXX/XX/XXXX Account Number : XXXX Explanation of Issue : I was unaware that my information was being shared with this collection company. I was neither informed nor given any prior notice about this. 

I request that these accounts be investigated for accuracy as soon as possible. Please provide me with details of your investigation and any corrections made to my credit report. 

Enclosed are copies of relevant documents supporting my dispute, including [ list any supporting documents you are including, such as payment records or correspondence ]. 

Please investigate this matter under the provisions of the Fair Credit Reporting Act ( FCRA ) and inform me of the results within the legally required timeframe. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I changed my name legally, I been requesting it to be updated. Nothing has been changed.

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 2025-01-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Subject : Complaint Against Bank of America Potential FCRA Violations, Securitization Issues, and Double Reporting Practices Details of Complaint : This complaint is being filed against Bank of America for the following violations related to the reporting of a charged-off account : 1. Failure to Provide Validation : Bank of America has failed to provide sufficient validation of the alleged debt despite multiple disputes. Specifically, they have not shown proper documentation proving their continued ownership of the debt or the authority to report it as a charge-off.

2. Securitization of Debt : Upon reviewing Bank of Americas SEC 10-K filings, it is evident that the institution securitizes its debts into trusts post-charge-off. If this specific debt was securitized, Bank of America no longer owns the debt, raising serious concerns about their right to report it.

3. Improper Reporting Practices : Despite charging off the account, Bank of America continues to report it to credit bureaus, including XXXX and XXXX, without addressing or verifying disputes properly. The reporting remains inaccurate and misleading, in violation of the Fair Credit Reporting Act ( FCRA ). 
4. Lack of Transparency in Collection Activity : There is no evidence of clear communication with the consumer regarding the status of the debt post-charge-off. Furthermore, there is no indication that Bank of America followed proper notification practices under applicable debt collection laws.

5. Potential Double-Dipping : An IRS Form 3949-A has been filed, as there is a potential concern that Bank of America may have already recovered the debt through securitization and is still reporting or attempting to collect on it. This warrants further investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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 submitting a complaint regarding inaccurate information on my credit report provided by Equifax. I have identified several inaccuracies that I have disputed, but my concerns have not been adequately addressed. 



Inaccuracy # XXXX : XXXX XXXX Description : Never Authorized Inaccuracy # XXXX : XXXX XXXX XXXX  DEALER Inquiry XXXX Description : Never Authorized Inaccuracy # XXXX : XXXX XXXX  Inquiry XXXX XXXX XXXX Never Authorized Inaccuracy # XXXX : XXXX XXXX XXXX XXXX XXXX Description XXXX Never XXXX Inaccuracy # XXXX : XXXX XXXX  Inquiry date : XX/XX/2023 Description : Never Authorized Inaccuracy # XXXX : XXXX XXXX  Inquiry date : XX/XX/2023 Description : Never Authorized Inaccuracy # XXXX : XXXX bank Inquiry date : XX/XX/2023 Description : Never Authorized Inaccuracy # XXXX : XXXX  XXXX XXXX  XXXX XXXX date : XX/XX/2023 XXXX XXXX Never Authorized I have made multiple attempts to resolve these issues directly with the agency, including submitting documentation to support my claims. However, the agency has not provided satisfactory responses or corrected the inaccuracies. 



This complaint is based on potential violations of the following laws and regulations : XXXX. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) : XXXX. Under the FCRA, consumers have the right to dispute inaccurate information in their credit reports, and credit reporting agencies are required to investigate disputes and correct any inaccuracies. 

XXXX. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) : XXXX. If any of the inaccuracies relate to debt collection, the FDCPA prohibits unfair practices in the collection of consumer debts. 

XXXX. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) : XXXX. This act grants the CFPB authority to oversee and enforce compliance with consumer protection laws, including those related to credit reporting. 

XXXX. Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) : XXXX. If applicable, this act requires lenders to provide clear and accurate information about credit terms and costs. 



I am particularly concerned about the lack of transparency in the verification process and the impact these inaccuracies have on my credit score and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I mobile deposited XXXX third party checks endorsed to me on XX/XX/XXXX with Bank of America. They totaled together around {$2000.00}. The check was then placed on hold for XXXX to XXXX weeks. I went to access my account on Bank of Americas mobile app on XX/XX/XXXX when I realized it was not allowing me to login. I called Bank of Americas customer service on XX/XX/XXXX and they disclosed to me that they have closed my account due to a third party check being deposited as third party checks were against their policy. I was not given notice but accepted the outcome and opened a new bank account with another bank. They disclosed my account would be officially closed on XX/XX/XXXX. They disclosed that on that date they would send a check with the balance of my account to me in the mail and return the funds of the check to the establishment that wrote the check. I called the establishment who wrote the check and they claimed they had not received the funds. I called today, XX/XX/XXXX to see if I could get a tracer number or location of the funds. I was informed by Bank of America that my funds were STILL on hold for reviewal. The {$2000.00} worth of funds from the XXXX checks have not been returned to the establishment who wrote the checks AND I have also not received the funds. This is nearly XXXX months of XXXX Bank of America has held my funds which seems unlawful. I expressed to the customer service team Id like an explanation and they told me their is no expected time of return and they have no further information outside of the funds are on hold. They could not give me a timespan I could expect the funds or WHY the funds are still being reviewed XXXX months after deposit.

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 monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Im requesting a copy of the 1099c for this account to verify with the Internal Revenue Service that the amount that Ally Financial is what their reporting. This debt is considered a charge off However, this actually considered income because I should have received a 1099c in order to account for this as income. This is not charged off. Im requesting that this is removed because it is not debt. This is considered income according to the IRS canceled debt income and INCOME SHOULD NOT BE REPORTING ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Sequium Asset Solutions, LLC
State: NV

Complaint narrative:
At XXXX  XXXX XXXX  XXXX XXXX I attended at this university in XXXX. They charged me a full year term class tuition for an empty class meaning no staff, no students, no class work it was an empty class that doesnt even exist in faculty records. I submitted documentation for the removal of this class from my transcripts for the years term and for my financial aid. They denied me approval for my documentation stating that it was not a class but stated that I already took the class for a year which is empty and that they can not remove grades or conduct scores off my transcript since the school year has ended. They charged me over XXXX plus interest for not paying and suspended me for a year because this empty class lowered my GPA and Conduct score for me to pass freshman year in college. I want this removed immediately from my credit report as XXXX of the hard inquiries that is stated on my credit report with XXXX XXXX. This University is the most absolute most terrible college to ever attend to. Given they do not care for ones education but only how much money they receive from students. Knowing I have a millennial scholarship and received financial aid, they knew keeping this on my transcripts and conduct score that I will not be eligible for my millennial scholarship and financial aid no longer because of guidelines to follow for eligibility for financial aid. And this is all from an empty class all my other classes and conduct scores were above XXXX and a conduct score of satisfactory. This institution discriminated against me and charged me knowing it would impact my credit score and suspended me for a year knowing if I even tried to continue my education I would not be eligible for financial aid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: PA

Complaint narrative:
My account with XXXX XXXX  TRANSUNION was never late! I have had exceptional payment history 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 to be 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. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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! 


Update the late payments from my consumer reports

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be 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. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Update the late payments from my consumer reports

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dear Experian Dispute Department, I am writing to formally dispute inaccurate information that remains on my credit report despite previous dispute file with your agency. 
Im bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined and 15 U.S. code 1666B under the billing error category ; ( XXXX  ) the creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement. 
( XXXX ) A computation error or similar accounting error made by the creditor on a statement. 
It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ratifications of late payments regarding the linked accounts. 
I am in pursuit of concrete evidence from the creditors bank records that will support the assertion that I failed to make a payment resulting in an erroneous designation as late-a sign of an invoicing error therefore. 

The failure to correct or remove this information after my attempts to resolve it is in violation of my obligations under the Fair Credit Reporting Act ( FCRA ), As recently highlighted in the and the Consumer Financial Protection Bureau ( XXXX ) lawsuit against Experian ( case XXXX ) you also violated my Consumers Rights And Privacy under the 605B,1666B, 1681B and 1637B.Im a victim of the latest Data Breach. 

I humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : paid as agreed.

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 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I was looking over XXXX Bank of America bank statements and I had gone back into XXXX, when doing this I noticed I couldn't find over XXXX payments missing. Every month I have clients zelle me money for their monthly payments and I've been doing this for a couple of years now. Recently I went back to XXXX bank statements and I was checking XXXX client in specify with that client, his monthly payments are {$1600.00} and he's missing over XXXX payments for the months of XXXX, once I noticed this I reached out to the client to see what was going on and he was able to not only verify with his bank but also provided me confirmation codes and bank statements showing me that he did give me the monthly payments. After that, I went into my bank statements to see if I could verify on my end with my bank statements and unfortunately, I couldn't find any XXXX payments for the months of XXXX into the XXXX of XXXX and as well XXXX XXXX. When I found this out I reached out to Bank of America to find out what was happening and they would help to a certain point and then hang up on me the last final call I made they had mentioned to me to go in person and try to figure what was happening and I did and the person who was helping me was very rude and was no help so decided to close my account and try to find a different way to get help and see what happened to my missing money.

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