vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Inaccurate Accounts Failure to Properly Investigate Dear Equifax, I am writing to formally dispute the inaccuracies reported on my credit file, specifically concerning the following accounts : [ List the inaccurate accounts here, including account numbers, creditor names, etc. ] I believe that these entries are incorrect, and I request that they be investigated further, as they are not reflective of my actual credit history. 

Upon reviewing my file, I have reason to believe that Equifax failed to properly investigate and verify the accuracy of the information under the guidelines set forth in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that consumer reporting agencies conduct reasonable investigations into disputed information. The FCRA, under Section 1681i, specifically requires that a consumer reporting agency shall reinvestigate free of charge and record the current status of the disputed information or delete the item if it is found to be inaccurate.

Furthermore, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), a failure to properly investigate and resolve inaccuracies in consumer reports is prohibited. This section of the law outlines that financial institutions and consumer reporting agencies must ensure that they do not engage in unfair or deceptive practices, including failing to adequately investigate disputes raised by consumers.

Despite my previous dispute submissions, I have yet to receive any meaningful response or resolution regarding the above-listed accounts. In light of the FCRA and CFPA 's clear requirements, I request that you take immediate corrective action to investigate the accounts in question. If you fail to do so or do not find sufficient evidence to support the accuracy of these entries, I insist that you remove the inaccurate information from my credit report and provide me with written confirmation of this resolution.

Please provide me with a detailed explanation of the steps taken in your reinvestigation, including the evidence you reviewed and any actions you have taken to resolve the dispute. If the information can not be verified or is found to be inaccurate, I request that you update my credit report accordingly. 

I appreciate your prompt attention to this matter. Please confirm the receipt of this letter and provide me with the outcome of your investigation within the time frames set forth by law. I want reported accounts remove Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
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: WI

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union 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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I put in for disputes on certain accounts that show inaccurate information and I would receive a message stating dispute were verified but never knew who they verified it with. And accounts still remain on my credit report with inaccurate information.

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 information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I put in for disputes on certain accounts that show inaccurate information and I would receive a message stating dispute were verified but never knew who they verified it with. And accounts still remain on my credit report with inaccurate information.

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: GA

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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: NM

Complaint narrative:
I received a notice in the mail regarding escrow account change. The first notice was XXXX of 2023 and they raised my mortgage payment by almost XXXX dollars a month. I spoke with them and they were able to decrease mortgage payment from XXXX to XXXX. I have made payments to them all last year with that payment of XXXX. However this year I received another notice stating my mortgage payment was going to increase again this XXXX for a total of XXXX dollars. I called and asked why and they stated escrow was in the negative by XXXX. I looked back in transaction history from last year and found a statement stating the property taxes for the property Im at was for XXXX. I contacted the assessor office and they stated taxes were only XXXX. So then I called mortgage lender and they couldnt resolve my issue.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle Failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transitions was unfeasible. The CFPB '' s findings indicate that Zelle has not only neglected to protect consumers but also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Credit card theft and identity theft that has never been 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Checkr, Inc
State: IL

Complaint narrative:
CHECK, INC. I would highly suggest you READ this entire complaint and REPLY WITHOUT A COPY AND PASTE ANSWER that you give to everyone. Also find the attached documents from my attorney.

CHECKR, INC. has been notified several times that the information they are reporting to XXXX, XXXX and XXXX is incorrect and a result of DOCUMENTED IDENTITY THEFT. 

CHECKR, INC. continues to violate FCRA 605B by ignoring disputes filed, documents provided. Due to the reporting of the errors to the respective companies, they have deactivated my accounts due to the neglect of CHECKR, INC. and its staff. 

On XX/XX/year>, I retained the law firm of XXXX XXXX XXXX to enforce the law and gets CHECKR 's attention.

It was also brought to my attention that CHECKR, INC. has a long history of violating the law, providing incorrect background checks all of which impact and cause great financial hardship for many Americans.

If the FTC Identity Theft packet continues to be rejected by CHECKR, INC. and the items on my background report are not cleared, I will have no other choice then to allow the law firm I retained to move forward with this case.

If we move forward with this case, I will be seeking damages in the amount of {$50000.00} plus all legal fees, court cost etc.

CHECKR, INC. has been sued many times for this exact issue, and would like to note have lost most of these cases.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing a complaint against equitable for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions. XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a through investigation. This practice violates the fair credit reporting act ( FCRA ), 15 u.s.c 1681i, which mandates a reasonable investigation of disputes. Furthermore, equifaxs actions may also contravene the consumer financial protection act ( CFPA ), 12 u.s.c 5536 ( a ) ( 1 ) - ( b ). As highlights in the CFPBs recent administrative proceeding ( file XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of 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 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing a complaint against equitable for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions. XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a through investigation. This practice violates the fair credit reporting act ( FCRA ), 15 u.s.c 1681i, which mandates a reasonable investigation of disputes. Furthermore, equifaxs actions may also contravene the consumer financial protection act ( CFPA ), 12 u.s.c 5536 ( a ) ( 1 ) - ( b ). As highlights in the CFPBs recent administrative proceeding ( file XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of 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: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my report. DESPITE MY SUBMISSIONS, Equifax consistently responds within 24 hours stating the account is accurate. With out providing any evidence of thorough evidence. The company violates the fair credit reporting act ( FCRA ), 15 u.s.c 1681i, which mandate 's a reasonable investigation of disputes. furthermore, Equifax actions may also contravene the consumer the consumer financial protection act ( cfpa ), 12u.s.c 5536 ( a ) ( 1 ) ( a ) - ( b ), as highlighted in the cfpb 's recent administrative proceeding ( file XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I was hospitalized from an XXXX XXXXXXXX and I am still under medical care and this finance company stubbornly refuse to pay my monthly bill while I am XXXX. World XXXX is giving me a hard time and will not give support to the XXXX Company. They are pointing fingers at each other XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX World XXXX is a gangster and criminal organization out to strong arm the consumers through devious means and should be imprisoned through their reckless and trifling conduct. The doctor has signed a XXXX XXXX form and it should be enough.

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 — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a check from the New York State Department of Taxation and Finances on XX/XX/scrub>XXXX XXXX XXXX mobile deposited into my Citibank account. Later that day XXXX I received a email from Citibank stating that they received the check. On XXXX I received a email stating that the accepted the check. The following day XXXX I went to withdraw the funds and it wouldnt allow me to. I attempted to login in to my online account it would allow me to. I then reached out to the company thats when they said that my account was closed and the check is on hold to be verified. However thats they were closing my account. I asked why was my account being closed they said because the check needed to be verified to get in contact with the maker of the check. I got in contact with the treasury on XXXX and they provided a number to give to Citibank fraud department. However the fraud department denied that the number was a real number so I had a representative from the treasury department speak to someone from Citibank fraud department and verified that the check was legit but the Citibank representative got nervous and hung up. Before disconnecting the call I asked can they stop the check they said unfortunately because Citibank cashed the check they can not but they could provide a letter on their behalf stating that the check is legit and recommended that I go to a Citibank branch. When I went to the bank explained my issue to the teller who then took me to her bank manger who I explained the situation to she then asked me to get the fraud department on the phone once I did so the bank manger provided her credentials and asked for the fraud department representative credentials. After that she submitted all the documents that they asked her for and said give it two days to clear. Two days later I was still unable to access my account or funds thats when I went to a Branch near where the teller said the funds are available but the fraud department has a hold on it and he couldnt withdraw it for me so he reached out to the fraud department where they placed him on a hold and eventually hung up on him. At that point the branch manager took it from there. He then provided all the paperwork and documents that they asked for however they still wouldnt release the funds. I then reached out to them asking other documents that they need being that I provided everything they asked for the fraud representative said he couldnt provide that information to me I asked to be transferred to whoever it is that could help he stated he couldnt do so. After a while the branch manager stopped taking my calls. 



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 2025-01-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent all police reports showing I was a victim of identity theft and court paperwork as well they still making me responsible for credit card accounts I never opened and charged off balance and collection along with address and inquires!!!!

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 card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I scheduled a payment to be taken from my bank account on the XXXX XXXX, 2025. The payment wasn't taken until the XXXX. It later showed as " Posted '' on the XXXX XXXX. However, whilst it reduced the balance displayed on their website, it did not increase the available credit until 7 days later. When talking to Comenity, they told me that it takes 7-10 days for a payment to be " fully posted ''. This status is not visible to customers. They were unable to tell me why they delay " fully '' crediting payments that they have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: GA

Complaint narrative:
XXXX of 2023 my car was repossessed from my home by a tow service by West lake portfolio. I was not made aware of the repossession. On numerous times, I had requested a copy of my contract. I was never provided with this information. Upon finding out that my car was repossessed, I contacted Westlake portfolio, and i was advised that i needed to pay a certain amount in order to get my car back. I was told that the amount was around {$3000.00}. My car was listed with the lean holder of XXXX XXXX XXXX. I was not made aware if my car had been sold, or what actions i could take to get it back. I was forced to into another car due to needing a car. My contract and warranty were found to be void by Westlake Portfolio from XXXX XXXX sales. I was sent numerous notices that i still had a balance with Westlake Portfolio as well as a negative affect on all 3 credit bureaus. I was forced into filling bankruptcy. This had MADE A HEAVY IMPACT ON MY LIFE. With Westlake coming to my home and repossessing my car and without a notice or anything. I was current with my payment, spite the fact that Westlake did not have any of my information correct. Nor was I provided a contract from them

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 — 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 XXXX ( XXXX ) XXXX XXXX XXXX. 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 2025-01-24 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: NJ

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: TX

Complaint narrative:
Mrs BPO keeps attempting to collect a debt I dont owe with incorrect dates and was once removed and is now back on my credit report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief