vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information my credit report, leaving an inaccurate or unverified 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 the disputed accounts, as Experians 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 2025-01-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
360 savings account not accruing correct amount of interest

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: NC

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 unverified 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 2025-01-15 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: WA

Complaint narrative:
Lexington Lawfirm charging upfront for work not even completed yet

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: FL

Complaint narrative:
I am filing a complaint against EXPERIAN and the associated information provider for incorrectly reporting late payments on my credit card account under account number XXXX. 
This incorrect information on my credit report violates several regulations, including the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), the Protection from Nonpayment of Obligations Act ( PAANL ), and the Unfair, Deceptive, or Abusive Acts or Practices Act ( UDAAP ). 
1. FCRA : The credit agency and information provider have failed to ensure the accuracy of the data on my report, and incorrect information continues to appear despite my request for a thorough, manual check as required by the FCRA. The lack of manual investigation, as well as the potential reliance on the E-Oscar automated system, is a violation of 15 U.S.C. 1681i and 1681s-2.

2. TILA : I have not received periodic statements within the statutory time frame of 21 days prior to the payment due date, resulting in incorrect reporting of late payments. I request that records be provided to me showing compliance with the requirements of TILA, specifically 15 U.S.C. 1637 ( b ) and 12 CFR 1026.5.

3. UDAAP : Inaccurate reporting of my late payments affects my credit score and may mislead potential creditors. I believe this constitutes a deceptive practice under the UDAAP rules overseen by the CFPB.

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 2025-01-15 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: AR

Complaint narrative:
I requested Equifax to delete incorrect information in my credit report an account that they have listed as collection. The account was paid and closed. Equifax is still reporting it as a collection on my credit report and this is causing a unnecessary and unfair hardship for me. They are Violating the fair credit reporting act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 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: FL

Complaint narrative:
i am writing to file a complaint against navy federal credit union regarding multiple over draft fees i have incurred.despite having sufficient funds when transactions were authorized. i was charged fees due to lagged posting of charges and credits. this issue aligns with the recent CFPB findings against Navy Federal for similar practices, 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 2025-01-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
To Whom It May Concern at Acima Leasing, I am writing to formally express my dissatisfaction with my recent experience as a consumer of your services. When I entered into the agreement with your company, I was under the impression that it was a lease agreement, as advertised and explained to me. I believed that if I was unable to continue making payments, I could simply return the merchandise without incurring additional financial penalties. However, this has not been the case. 

Due to unforeseen financial difficulties, I was unable to make payments as scheduled. When I attempted to return the merchandise, I was informed that I could not do so and was instead subjected to a significant amount of interest on the remaining balance. This outcome is entirely contrary to what I understood and expected when I entered into this agreement. 

I feel that the terms of the agreement were misleading and not clearly communicated. As a result, I have incurred undue financial stress due to the unexpected accumulation of interest and the reporting to credit bureau that is making it impossible to receive credit. I am requesting a review of this matter and a resolution that aligns with the original understanding I had of the agreement. 

Please contact me at your earliest convenience to discuss how this issue can be rectified. I look forward to your prompt response to address my concerns. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Westlake Services, LLC
State: MD

Complaint narrative:
Dear Westlake financial, I am writing to address my concerns regarding your handling of my account, specifically the fact that you have reported this account as a charge-off to credit reporting agencies while simultaneously pursuing legal action to collect the balance. 

According to 15 U.S.C. 1681s-2 under the Fair Credit Reporting Act ( FCRA ), creditors must report accurate information to credit reporting agencies. A charge-off is an accounting action reflecting a determination that the debt is unlikely to be collected and is written off for tax purposes. Reporting an account as a charge-off while still actively pursuing legal collection raises questions of consistency and compliance with the FCRAs accuracy requirements. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, it is prohibited for creditors or debt collectors to engage in deceptive or misleading practices. Reporting a debt as a charge-off while treating it as collectible in court could be viewed as misleading.

To clarify the situation, I request : 1. Written verification of the debt : Provide detailed records, including any agreements I signed and an itemized breakdown of the debt amount.

2. Explanation of your charge-off status : Confirm how you are reporting this debt as a charge-off while still engaging in collection litigation.

3. Options for resolution : If settlement or alternative resolution options are available, please provide them in writing. 

I look forward to your prompt written response to this inquiry within 30 days. Please be advised that I reserve all rights under applicable laws. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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:
Equifax 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 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 XXXX has neither corrected nor removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, 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 2025-01-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: ACIMA CREDIT, LLC
State: AL

Complaint narrative:
I am filing this complaint due to Acimas deceptive practices in managing my account and providing misleading information about their services. Specifically : The terms of the lease or credit agreement were not clearly disclosed, and I was misled about payment terms, interest rates, and total costs. 
Additional fees or charges were not transparently explained, leading to unexpected financial burdens. 
Their customer service failed to provide clear answers or resolution when I raised concerns about these practices. 

These deceptive actions have caused financial stress and have eroded my trust in the company. I am requesting immediate action to rectify this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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 serous concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: FL

Complaint narrative:
Im writing to file a compliant 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 for similar practices, where the 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 2025-01-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-15 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 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 most recent CFNB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initial 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 2025-01-15 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: SC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the FCRA to conduct an accurate and through re-investigations of disputed items on my credit report, leaving inaccurate and unverifiable accounts unresolved. The CFPB has filed a lawsuit against the for systemically failing to forward consumer provided evidence to its furnishers, accepting unreliable responses and failing to adequality notify consumers of their disputed outcomes. These failures are aligned with what I am currently going through with Experian and they have neither corrected nor removed the disputed items despite the evidence I provided causing ongoing harm to my credit report as well as emotional distress. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian actions violates federal law and my rights as a hard-working 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 2025-01-15 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of Complaint : This XXXX complant as en filed to equest pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX dit reporting actency block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of you receiving this complaint. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Chase bank is closing my account after I received a check in the mail and deposited. It was in my name and I deposited it online with the mobile app. They said check was good then they seized my whole account. And they are closing my account I have been doing business with them for over 34 years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have disputed a account on my credit from XXXX XXXX XXXX XXXX with a debt of {$880.00} with TransUnion I AM NOT LIABLE FOR THIS DEBT WITH XXXX XXXX XXXX XXXX XXXX. I DO NOT HAVE A CONTRACT WITH XXXX XXXX XXXX XXXX, THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS I REQUESTED.

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