vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
this is a closed account and is reporting wrong on the account. 

please verify this account, then tell me how the verification process works and what it entails. 
- tell me where is the original doc with wet signature -verify the amounts owed -what is the first date of delinquency or default any info that does not add up or is the same as my credit report is considered inaccurate. 

because of the willful negligence of these companies, I was harmed physical and non physically and was denied credit for further taking care of my household. 

Please provide the debt connection and validation and 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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed several disputes for incorrect information and several for collections that I have no knowledge dating back to XX/XX/year>. None of the information was removed or 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
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
90 % of my debt was debt thats not even mine as its been sold after creditors were charged off without even letting me know even when Ive been in the middle of making payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I received some investment property around XXXX of last year. I used my credit cards to renovate one side of the apartment that wasn't livable, plus increasing the value of the property at the same time. I kept the balance below my limits and made more than the minimum payment on the accounts. J C Penny 's I use very XXXX. I stayed in good standards as long as I had the card with a XXXX balance. Around XXXX of last year a letter came stating my line of credit was reduced. The rep stated that they looked at my credit report and saw high balances on my other credit cards, they decided to reduce my limit. This caused my credit scores to fall because by reducing my limit The credit depositories are looking at my credit card usage over 50 percent which treats this cards like they are delinquent. I wasn't aware that this could happen. They can look at my credit report with no discrepancies but high balances and determine I'm a credit risk even if I never been late on anything..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
I do not have a relationship with honda financial at all. I have a car loan with XXXX  XXXX and I am current on my loan payments. 

out of the blue, honda financial sent me a letter dated XXXX, indicating that I owe {$73.00} and that his debt has already been turned over to a collection agency. 

This is the only communication that I have received from honda financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed a copy on my credit report, and found accounts that i do not recognize and believe to be fraudulent. These accounts are negatively impacting my credit score and my ability to obtain credit. I kindly request that these accounts be removed from my credit report. I am willing to provide further documentation or detalisif need to resolve this matter promptly. Thank you for your attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am contacting you to dispute fraudulent items on my credit report, which I believe stem from identity theft. Pursuant to 15 U.S.C. 1681c-2, I am requesting that these inaccuracies be blocked promptly. Attached is a copy of my Police Report/FTC Identity Theft Report ( FTC Report XXXX : XXXX ), which provides clear evidence of my identity theft claim. Under the provisions of 15 U.S.C. 1681c-2, once an identity theft report has been submitted, credit reporting agencies are required to block the disputed information identified as resulting from identity theft within four business days. The following entries on my credit report are associated with this identity theft and must be blocked. 

I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified Mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND INQUIRIES from my credit report : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I am writing to formally dispute certain entries on my credit report that violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. My review has identified unauthorized inquiries and inaccurately or improperly reported collection accounts. I request that these be removed immediately to ensure compliance with federal law. Unauthorized Inquiries : 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  These accounts have been inaccurately reported and should not negatively reflect on my credit report. The continued reporting of these accounts as collections is misleading and harmful, and it violates my rights under the FCRA. 
Legal Basis for My Request : The FCRA ensures the accuracy, fairness, and privacy of consumer credit information. The unauthorized inquiries and erroneous collection accounts listed above are clear violations of the following points : 15 U.S.C. 1681b ( c ) : Permissible purposes of consumer reports, restricting access only to those with legitimate authorization.

15 U.S.C. 1681s-2 ( b ) : Responsibility of furnishers to correct and update information after receiving a dispute. 
15 U.S.C. 1681e ( b ) : Ensuring maximum possible accuracy of the information contained in consumer reports.

Additionally, the Federal Trade Commission ( FTC ) has issued clear guidance on these matters, as referenced in FTC Report XXXX. Failure to promptly correct these errors may not only violate the FCRA but could also be subject to penalties under the same law.

Request for Resolution : I respectfully request that the unauthorized inquiries and collection accounts outlined in this letter be promptly investigated, and, if found to be inaccurate or unauthorized as I have indicated, removed from my credit report. Please provide written confirmation of the actions taken within 30 days, as required by law.

Thank you for your immediate attention to this matter. Failure to comply with these requests may result in further action to enforce my rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently discovered that a fraudulent account was created with XXXX  XXXX about a year ago and i have been requesting for this to be removed off of my credit reports for about a few months now and ive had a hard time i have provided the creditors proof of birthdate from the account as wrong also

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently discovered that a fraudulent account was created with XXXXXXXX XXXX about a year ago and i have been requesting for this to be removed off of my credit reports for about a few months now and ive had a hard time i have provided the creditors proof of birthdate from the account as wrong also

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
Source Receivables Management Attention : Compliance Department XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Subject : Cease and Desist Communication Regarding Account # XXXX Dear Source Receivables Management, This letter serves as formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that I request you immediately cease all communication with me regarding the alleged debt associated with Account # XXXX. 

You are hereby instructed not to contact me via phone, email, postal mail, or any other form of communication. Additionally, you are prohibited from contacting any third parties regarding this matter. All further communication must be limited to written correspondence confirming that you have ceased collection efforts or that you intend to take specific legal action. 

Failure to comply with this request will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and the Attorney Generals office for violations of the FDCPA. 

I reserve all rights under state and federal law, including the right to take legal action if necessary. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX All Rights Reserved Without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
KIMBALL TIREY ST. JOHN is falsely accusing me of a collection and its reporting on my credit reports since XX/XX/XXXX of {$8000.00}. This is not my account its is illegally and unlawfully affecting credit and must be removed at once. This violates my rental rights, credit rights and privacy. If its not removed within 30day of today XX/XX/XXXX I will file a law suit against them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: SC

Complaint narrative:
I submitted a complaint on XXXX about late payments showing on my credit report despite the loan being consolidated. The complaint was closed and they said the loans were now serviced my XXXX. I never received knowledge of this mail or email. I consolidated my student loans through XXXX and never received any correspondence or heard of XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

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 the lagged posting of charges 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 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 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Some of the month payments is on current and not OK on green and I made the payments on time.Please removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ZWICKER & ASSOCIATES
State: VA

Complaint narrative:
I am filing this complaint under the fair credit reporting act ( FCRA ) due to the willful noncompliance of the credit bureau and data furniture in properly investigating my disputes, as required under 15 USC 1681i and 15 USC 1681s-2 ( b ). Despite my repeated submissions of disputes containing sufficient documentation and demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable investigation and have continue to report an accurate information on my credit report. Furthermore, the data furnishers have neglected their legal obligations to investigate the disputed information when notified by the credit bureaus. This failure to uphold their responsibilities under the FCRA constitutes a violation of my consumer rights.

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

Complaint narrative:
Subject : Complaint Against Creditor for Inaccurate Reporting and 1099 Form Denial Dear CFPB, I am writing to formally file a complaint against CONSUMER PORTFOLIO SVC XXXX due to their inaccurate reporting of information to the credit bureaus, improper account handling, and denial of my request for a 1099 form. 

Nature of the Complaint : 1. Inaccurate Reporting : consumer portfolio svc has reported my account as open, even though the account was closed, reopened, and also marked as a profit and loss write-off. 
The information reported is inconsistent with the true status of the account and is inaccurate. Under the Fair Credit Reporting Act, inaccurate information qualifies for deletion. 
2. Improper Account Handling : The account status has been misrepresented. It is marked as In Collections/Charge-off but is simultaneously shown as open, which is contradictory and misleading. 
3. Denial of 1099 Form : After the account was written off as a profit and loss, I requested my 1099-C form, which consumer portfolio is legally obligated to provide. My request was denied, violating IRS regulations that require creditors to issue a 1099-C when a debt is canceled or written off.

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

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 transactions was unfeasible. The CFPB 's findings 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
In XX/XX/year>2024, I attempted to cash a check that was signed over to me by my father. I deposited the check to my 360 checking account through the mobile app. After waiting over three months, I was told that the check was flagged as fraudulent since they were unable to validate the check. 

I was not provided any assistance by anyone on how to clear the allegations. Capital One failed to provide me with an affidavit or approved document to defend myself against the accusations of fraud. 

I have been told as of today that they have made a final decision and there is nothing they can do to assist in resolving the matter.

Company response to consumer: Closed with explanation