vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A.
State: SD

Complaint narrative:
My card was used without my knowledge. Identity theft.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint to report the failure of financial institution and the involved credit reporting agencies to adequately investigate and resolve disputes regarding unauthorized and unknown accounts and transactions reported to my credit report. This failure violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693.

Specific Issues : 1. Unauthorized Accounts : I have identified multiple accounts placed under my name that I did not open or authorize. Despite submitting disputes with supporting evidence, these accounts remain on my credit report.

2. Deleted Accounts Reinserted Without Notification : Accounts that were previously deleted after dispute resolution have been reinserted into my credit file without my knowledge or the required notification under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

3. Failure to Remove Unauthorized Entries : Several accounts and transactions I reported as unauthorized have not been removed, and the credit reporting agencies have failed to provide adequate explanations or verify the accuracy of the disputed information.

These inaccuracies have caused significant harm to my credit standing and financial well-being. Despite my efforts to resolve these issues through direct communication with the credit reporting agencies and financial institutions involved, I have been met with dismissal and insufficient investigation.

Relevant Laws : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Requires that credit reporting agencies notify consumers within five business days if previously deleted information is reinserted into their credit file. I did not receive any such notice.

15 U.S.C. 1681c-2 : Mandates the blocking or removal of information resulting from identity theft or unauthorized accounts upon receipt of appropriate documentation.

15 U.S.C. 1693f : Provides protections for consumers disputing errors in electronic fund transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: KY

Complaint narrative:
I have tried to dispute this with equifax but they keep saying the information is reported as accurate. They are the only ones reporting my closed accounts as open. Its showing US department of education XXXX loans XXXX for {$2000.00} and something and XXXX for {$3000.00} something. They were consolidated in 2024 and closed but now theyre listed as XXXX XXXX They are affecting me getting a mortgage loan. I need them removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I received a settlement offer from Navy Federal in XXXX 2024. The settlement offer stated that I will pay a certain amount every month for XXXX months to honor the terms of the agreement. I have been doing so religiously, however, the company continues to send me letters stating that the settlement amount has been applied to my outstanding balance. I have called, written and emailed only to be given the run around.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
since XXXX XXXX XXXX. My accounts have appeared on the XXXX web, data breaches XXXX XXXX XXXX, Experian,

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 2025-01-25 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: CBC Companies, Inc.
State: MD

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I XXXX XXXX XXXX XXXX XXXX certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: MI

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: NC

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 resent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initial having 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 2025-01-25 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: RFNA, LP
State: TX

Complaint narrative:
In CFPB complaint XXXX, XXXX XXXX XXXX XXXX they are not obligated to provide debt validation. While I understand that XXXX XXXX is not required to provide debt validation under the FDCPA, I am requesting proof of the account in question, as the information reported to the credit bureaus is unfamiliar and inconsistent. I should not be required to visit a local branch to verify information that XXXX XXXX has chosen to report to the credit bureaus. As the furnisher of this data, XXXX XXXX has an obligation under the Fair Credit Reporting Act ( FCRA ) to ensure that all reported information is accurate and verifiable. If XXXX XXXX can not substantiate the accuracy of this account, I am issuing a formal cease-and-desist request until the matter is thoroughly investigated and resolved. The continued reporting of unverified information violates my rights under the FCRA. Additionally, XXXX XXXX has requested my personal information, including my name and address. This information was included in my initial dispute and attached to the complaint. It appears that XXXX XXXX is unable to produce documentation with my identifying information that would support the legitimacy of this account. The specific information I am disputing includes : Date Last Reported, Date Last Active, Payment History. These details are reporting inconsistently across the credit bureaus, which raises serious concerns about the accuracy of this account. For your reference, I have attached a copy of the specific account details in question. 

Regarding your statement that my dispute was incomplete, I provided sufficient information, including : The account details ( account number and creditor name ). 
The specific inaccuracies I am disputing. 
Supporting documentation highlighting discrepancies in credit reporting. 
It is XXXX XXXX 's responsibility to conduct a reasonable investigation and to ensure that any inaccurate or unverifiable information is corrected or removed. A consumer should not be required to provide excessive documentation to dispute inaccuracies that the furnisher is obligated to validate under the FCRA. 

If XXXX XXXX can not provide documentation proving the validity of the account and the accuracy of the reported information, the account must be removed from my credit report. I expect a resolution to this matter within the required timeframe under the FCRA and written confirmation of any actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: KEYCORP
State: MI

Complaint narrative:
On on XX/XX/year> I communicated with key Bank that I have been scammed they did an investigation and then they said that basically the scam artist provided information proving that they provided a service which they did not. Immediately following this decision I requested a reinvestigation this was about XXXX months ago to this day I have not had word on what the reinvestigation discovered. I called yesterday and they told me I had to wait until they heard back from the merchant and until then my account would sit at the negative {$320.00}. They have been non-responsive unhelpful and as of yesterday I sent corporate all the information that I had already sent them via email just months ago they never reinvestigated my claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-25 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:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and 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 2025-01-25 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:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) 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 their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did 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 for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CO

Complaint narrative:
( Block, Inc. ) 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 their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did 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 for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: PA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and 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 explanation
Consumer complaint received 2025-01-25 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
XX/XX/year> Lvnv funding-debt buyer This info was not removed from my report Due to lack of investigation also this is a 3rd party with no information and trying to illegally report on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I am writing to formally dispute and request validation for one or more collection accounts appearing on my credit report. I believe these accounts may be inaccurate, and I am requesting that the debt collectors provide proper documentation to verify the validity of these debts. Under the Fair Debt Collection Practices Act ( FDCPA ), I request the following : 1. Full validation of the alleged debt, including an itemized breakdown of the amount owed and any fees or charges applied. 2. Proof that the collection agency has the legal authority to collect this debt, including documentation of assignment or transfer. 3. The name, address, and contact information of the original creditor. Thank you for your attention to this matter. I look forward to a prompt and thorough resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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:
Im writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle several times and reporting discrepancies, my financial institution and Zelle fail to investigate my claims adequately. They informed be that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs finding 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety. Would like to be reimbursed for the reported transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is an American debt buyer and debt collection company headquartered in XXXX XXXX, California, and has offices throughout the United States as well as in XXXX and XXXX XXXX. It is a wholly owned subsidiary of XXXX XXXX XXXX. This company claims that I have a debt that I owe to them. But I have never done business with this company. I have had the debt removed from my XXXX and XXXX credit reports. Im currently disputing this on that credit report as well. I was harassed by a barrage of phone calls threatening me and letters saying that I could face jail time if I didnt pay back the debt.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Servicer under contract with Federal Student Aid
State: KY

Complaint narrative:
I have tried to dispute this with XXXX but they keep saying the information is reported as accurate. They are the only ones reporting my closed accounts as open. Its showing US department of education XXXX loans XXXX for {$2000.00} and something and XXXX for {$3000.00} something. They were consolidated in 2024 and closed but now theyre listed as XXXX XXXX They are affecting me getting a mortgage loan. I need them removed

Company response to consumer: Untimely response