vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 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: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
This letter serves as a formal cease and desist notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), regarding your continued attempts to collect on alleged debts. I am specifically addressing the following entities : XXXXXXXX XXXX XXXX Transworld Systems, Inc. 
XXXX XXXX XXXX XXXX XXXX You are hereby notified to immediately cease and desist all communication with me regarding any alleged debts associated with your agencies. This includes, but is not limited to : Phone calls to my home, work, or mobile device Emails, text messages, and mailed correspondence Reporting inaccurate or unverifiable information to the credit bureaus Any further collection attempts directly or through third parties I formally dispute any and all claims of indebtedness you allege against me and request validation of any purported debt in compliance with the Fair Credit Reporting Act ( FCRA ) and the FDCPA. If you are unable to furnish verifiable proof of the original contract and balance owed, this matter must be closed immediately, and any negative reporting must be deleted from my credit file. 

Failure to comply with this request may result in legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. Additionally, any further communication in violation of this request will be documented as evidence for potential litigation. 

I demand written confirmation within 30 days that all collection efforts have ceased and that this matter is considered closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: NCB Management Services Inc.
State: AL

Complaint narrative:
I am writing to formally dispute inaccurate and/or unverifiable information that remains on my credit report despite previous disputes. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, data furnishers are required to conduct a proper investigation and report only accurate and verifiable information.

After multiple requests, companies below has failed to provide documentation validating the accuracy and legitimacy of the disputed account ( s ). As a result, their continued reporting constitutes negligent non-compliance with the FCRA.

The following account ( s ) remain inaccurately listed on my credit report : Account Name : XXXX XXXX XXXX XXXX NCB Management Service Dispute Reason : incorrect information / no knowledge of these accounts Request for Immediate Action 1. Remove the inaccurate information immediately. If the furnisher can not verify the accuracy, the account must be deleted from my report.

2. Provide me with a copy of the documentation used to verify the accuracy of the reported information.

3. Notify me in writing within 30 days with the results of your investigation, as required under the FCRA. 

Failure to comply with this request may result in legal action, as the continued reporting of inaccurate or unverifiable information violates federal law. I expect prompt attention to this matter and appreciate your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
The payment was made on XX/XX/XXXX buying out the remainder of my car lease for my XXXX KIA XXXX # XXXX. After expecting to receive my title in a couple weeks, I contacted Kia Finance and after a couple calls, I was told they made a mistake endorsing the title and had to request a dulpicate title from the NJ DMV which they said could take 4-8 weeks. I was expecting to sell the car since it's worth $ XXXX more than what the payoff was and then get another car. So on paper I have a car that's worth $ XXXX and since I can't sell it without having that title it is also preventing me from buying a new car and I am paying 13 % on a margin loan taken out for the funds to pay off the car. I believe KIA should compensate me for their error. It's been ten days since the last discussion with KIA and I have no idea how much longer it will take to get my title.

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 2025-02-09 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: CA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: PA

Complaint narrative:
I reported that I am a victim of XXXX XXXX and they refuse to remove accounts from my credit report according to the FCRA and the DVRA they have 4 days to remove the reported items

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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:
I reported that I am a victim of XXXX XXXX and they refuse to remove accounts from my credit report according to the FCRA and the DVRA they have 4 days to remove the reported items

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 2025-02-09 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: PA

Complaint narrative:
I'm a victim of a sham investigation from Transunion credit reporting agency. They have not done a real investigation, but rather only relied upon the response from the creditor and basting. Their investigation solely on a fault. XXXX XXXX system that is not accurate please delete all items that's listed in my documents immediately. Please see documents in attachments this dispute was not made in error. Send me a copy of my credit report after your investigation is completed also show me how you investigated my claim of the account im disputing, so me how this account is incomplete and accurate!

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 2025-02-09 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: Ridge & Valley Realty, Inc.
State: AL

Complaint narrative:
I am writing to formally dispute inaccurate and/or unverifiable information that remains on my credit report despite previous disputes. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, data furnishers are required to conduct a proper investigation and report only accurate and verifiable information.

After multiple requests, companies below has failed to provide documentation validating the accuracy and legitimacy of the disputed account ( s ). As a result, their continued reporting constitutes negligent non-compliance with the FCRA.

The following account ( s ) remain inaccurately listed on my credit report : Account Name : Credit System XXXX XXXX XXXX XXXX XXXX Dispute Reason : incorrect information / no knowledge of these accounts Request for Immediate Action 1. Remove the inaccurate information immediately. If the furnisher can not verify the accuracy, the account must be deleted from my report.

2. Provide me with a copy of the documentation used to verify the accuracy of the reported information.

3. Notify me in writing within 30 days with the results of your investigation, as required under the FCRA.

Failure to comply with this request may result in legal action, as the continued reporting of inaccurate or unverifiable information violates federal law. I expect prompt attention to this matter and appreciate your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Dave Operating, LLC
State: MN

Complaint narrative:
I have been unable to access my Dave account for well over a year now. When I try to login I get a page pop-up that states Your account has been placed on hold for your security As we investigate, please refer to your email for additional information. yet Ive never received a follow up email and when Ive reached out to Dave I dont get a response. My account has my personal information in there and I should be aloud to login. Ive asked them to fix the issue and they ignore me. Ive never done anything fraudulent to cause this and they refuse to tell me why my account is in a security freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
I am filing a complaint regarding an inaccurate negative reporting on my credit report by PennyMac. From XX/XX/XXXX to XX/XX/XXXX, my loan account was in an approved forbearance plan, during which no payments were due. Despite this, PennyMac has incorrectly reported my account as 90 days late during this period. 

After my forbearance plan ended, I was placed on a repayment plan, which I have been diligently following per the agreed-upon terms. However, this inaccurate negative reporting is impacting my credit standing, and I am seeking assistance in having it removed. PennyMac said there would be no negative impact to my credit. 

I kindly request an investigation into this matter and for PennyMac to correct this error with the credit bureaus. I appreciate your time and help in resolving this issue. 

XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I have provided multiple letters from the department of Ed regarding the process of my case. I have reported this issue to the Cfpb once before back on XX/XX/XXXX and my case was closed and never heard anything from anyone. I just received a call from the department of education since I have filed several complaints about the department of education, Mohela, borrowers of defense, the ombudsman department, and now XXXX regarding my loan discharge. I was part of a lawsuit against XXXX University and I was approved XXXX % - full loan discharge since XX/XX/XXXX. XXXX of my loans were discharged but the other XXXX Mohela refuses to investigate. Now my loans were transferred to XXXX in XX/XX/XXXX and Im having more problems with the reporting of my loan to the credit bureau. All My complaints are being deleted from all the different portals and my account is still not being resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Navy federal was allowing charges to go through without the funds being available only to charge excessive overdrive and NFS fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: MD

Complaint narrative:
Lost {$2800.00} in XXXX Transaction Robinhood Refusing to Refund Funds Returned to Their XXXX XXXX  frustrating situation Im dealing with. Heres what happened : XXXX. I sent {$2800.00} worth of XXXX  ( XXXX  ) from my XXXX wallet to a XXXX wallet. 
XXXX. Due to an issue with the memo field, XXXX returned the funds to Robinhoods XXXX XXXX  ( the XXXX XXXX  ). 
3. Robinhood now has the funds, but theyre refusing to refund or redirect them to my personal wallet, claiming they cant revert transactions from their XXXX XXXX 
Ive already reached out to Robinhood support multiple times, but theyre not being helpful. Ive provided all the necessary transaction details, including the XXXX and confirmation from XXXX that the funds were returned to Robinhood. 

I been in there customer support, all day, this has been happened a while ago, also a leadership team has contacted me via email, they said they can not refund it, while they are confirming they have the funds with them in their XXXX XXXX They said they cant refund me. When I contacted XXXX they said they cant do anything once Once the funds leave XXXX- we no longer can help, the suggested me to contact a cops or lawsuit,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: MD

Complaint narrative:
I received a copy of my credit report and I noticed there were fraudulent accounts on my report. Please remove the accounts from my report, they are hurting my ability to obtain credit.

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 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Improper Interest Accrual on Student Loan Dear Sir/Madam , I am filing a formal complaint regarding improper interest accrual on my student loan account, serviced by Mohela, while I was enrolled in the Saving on a Valuable Education ( SAVE ) Plan. This complaint concerns [ specific amount of interest accrued ], which was applied to my account despite the SAVE Plan 's provisions that guarantee no interest accrual during {$0.00} payment periods.

Summary of the Complaint : Improper Interest Accrual Despite Eligibility for {$0.00} Payments I discovered on XX/XX/XXXX that {$29000.00} in interest had accrued on my account. Under the SAVE Plan, borrowers eligible for {$0.00} payments should not accrue interest. This interest charge violates the program 's terms, which were implemented to protect borrowers from unnecessary debt accumulation.

Inadequate Response from MOHELA Shortly after discovering the interest charge, I contacted Mohela. A representative assured me that the interest would be removed. However, the charge remains on my account. Additionally, when I spoke with a supervisor on XXXX, they could not explain the origin of the interest charge and promised a follow-up, which never occurred. 

Press Release by Education Secretary XXXX XXXX In response to the XXXX XXXX XXXX XXXX XXXX siding in favor of a lawsuit challenging the SAVE program, Education Secretary XXXX XXXX stated on XX/XX/XXXX, that borrowers enrolled in the SAVE plan will be placed in an interest-free forbearance. Despite this guarantee, interest has continued to accrue on my account.

Violation of Federal Protections These actions may violate federal laws and regulations, including : The Higher Education Act of 1965, which governs student loans and protects borrowers rights.

The Fair Debt Collection Practices Act ( FDCPA ), which prohibits unfair debt practices.

The Truth in Lending Act ( TILA ), which ensures accurate loan terms disclosure. 

Lack of Transparency MOHELA has not provided adequate documentation or a clear explanation for the improper interest charges, leaving me without a resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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:
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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
ter serves as a formal complaint that you are reporting inaccurate and incomplete bon on my credit report. The notation of the following late payment is inaccurate. Please ate and venty that all data for this account is reporting accurately including every 1 Gate and balance whether reported or not nt Item and Number ) especialy request to be provided proof of this alleged item. nts were in fact late. By the pro to do so or lacking proof of these requesting the description of the procedure used to determine the accuracy and teness of the information. I have read that this must be provided within 15 days of the ton of your reinvestigation. I aiso read that under federal aw, you have 30 days to te your investigation. 
understanding that you must validate these items with the reporting creditor for y. Please remove any information that the creditor can not verify I know this must be ted within 30 days of receipt of this letter, or you must remove the inconect information send an updated copy of my credit report to the above address. you for your prompt attention, Ime and help in 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 2025-02-09 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:
Please block and remove these accounts due to XXXX data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: CA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief