vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
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 I looked at my Equifax credit report on XX/XX/XXXX a

nd i noticed some things are incomplete and not accurate ; and according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report reletes according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer ; an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item from the file of the consumer, or modify that item of information that the information as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the credit file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
When XXXX XXXX XXXX  first started using Zelle for transfers they never had any notice or information verifying with you that you were transferring the correct amount of money to the correct individual/account until recently which is something that shouldve been disclosed from the beginning stages if not released along with Zelle. This could result in money being sent to the wrong individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
Account Info Account Name XXXX XXXX XXXX Account Number XXXXXXXX XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$18000.00} written off. 
Status Updated XX/XX/XXXXXXXX  This reporting Information Is Inaccurate : the remaining balance after GAP coverage was XXXX as reported on the settlement offer agreement with XXXX the account was settled for 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 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Service of Nevada
State: CA

Complaint narrative:
Item is on my credit report, and I do not know what it is for.

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 2025-01-14 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: TX

Complaint narrative:
I transferred a Zelle payment and was told since it went to the wrong person there was nothing that could be done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed the accounts. ( 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 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My data was breached All these closed accounts are not mine under FCRA 15 USC 1681 i demand that this account be deleted Syncb / Walmart

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 2025-01-14 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 unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing 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: 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:
Navy Federal consistently took over 5 days to debit my payments out for my auto loans. Eventually this disabled my ability to pay from an external account and this increased my payments. I received multiple NSF fees, overdraft fees etc.I was also charged an inconsiderable amount of interest on my credit card as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Money was sent to another person via Zelle but it was a scam. I was not notified nor asked to confirm information prior to sending. Money was never returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute with Robinhood regarding 12 fraudulent charges that appeared on my account. As of XX/XX/XXXX, Robinhood has only provided provisional credit for three of the 12 charges. This delay exceeds the legal requirement of providing provisional credit for disputed charges within 10 business days, as stated under the Electronic Fund Transfer Act ( EFTA ) Regulation E. 

To date, nine charges remain unresolved, and I have not received either provisional or final credit for these charges. I have followed up with Robinhood multiple times to inquire about the status of these disputes, but the response has been insufficient. 

The delay in handling this matter has caused unnecessary financial stress and frustration. I am requesting the CFPB 's assistance in ensuring that Robinhood complies with the regulatory timeline and resolves this matter promptly by issuing provisional credit for the remaining charges and investigating the disputes fully.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: GA

Complaint narrative:
Hello, XXXX XXXX TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to reasonably reinvestigate disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. XXXX XXXX TransUnion has not corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I request immediate corrective action to amend or remove the disputed accounts, as XXXX XXXX TransUnion inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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 on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a law suit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, 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 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 2025-01-14 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: NV

Complaint narrative:
This account XXXX XXXX XXXX with the number XXXX  is incorrectly reporting a rating of CollectionOrChargeOff on my credit report, and I am demanding its immediate deletion! 
Youve indicated that the account was opened on XXXX and that the last activity occurred on XXXX. These dates are inaccurate, and I expect you to take corrective action now. 
Youve also noted that the last verified date was XXXX. Under my rights granted by the Fair Credit Reporting Act, I am requesting the exact methods and evidence used to verify this information. Furthermore, provide me with documented proof of your claim that I owe {$12000.00}, as I firmly contest this amount. 
Case law supports my demand : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX ( XXXX. 
XXXX. XXXX ) emphasized that inaccuracies must be rectified ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) reinforced the obligation to verify disputed information ; and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) requires the deletion of false or unverifiable information. Take these precedents seriously and resolve this matter immediately. 

I am contacting you regarding the inaccurate reporting of the account XXXX XXXX XXXX with number XXXX on my credit report. The account is currently reflected as CollectionOrChargeOff, with the date opened listed as XXXX, the date of last activity as XXXX, and the last verified date being XXXX. This information is incorrect, and I am formally requesting the immediate removal of this account from my credit report. 
According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are mandated to ensure the accuracy of the data they report. Furthermore, I demand that you provide documentation to verify the accuracy of this account and proof of the alleged {$18000.00}, as I dispute owing this amount. 
The courts have made it clear in XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) that credit reporting agencies have a duty to ensure that the information reported is accurate and verifiable. 
In this case, the court determined that inaccurate reporting and failure to conduct a reasonable investigation violated the FCRA, resulting in damages awarded to the plaintiff.

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 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
My payment due date is on the XXXX of every month. I always pay early and I am never late on payments. 

I make a payment as soon as I recieve a statrment in my email. My last 2 payments were made on the XXXX of the month. XXXX XXXX, XXXX  and XX/XX/year>. After my payment on XXXX XXXX, I received a late fee. 
I called Synchrony ( TJmaxx credit card ) and told them I made a payment on the XXXX. They removed the laste fee. After this call I still got emails about them needing a payment. I then recieved my statement for payment that would be due XX/XX/year> only to discover they were still teying to charge me and extra payment! I called and spoke with an operator who was no help. I explained how I preciously made my payment on XX/XX/XXXX with no issues. I finally asked to speak to a supervisor who argued with me and told me I had made a payment on XX/XX/XXXX, which was a lie. He sent me to customer service where they told me they could not do anything unless I payed the double amount ( $ XXXX ). I explained that I am having XXXX XXXX on XX/XX/XXXX and the money simply is not there. I am XXXX and I always make payments on time so there is no excuse for what has happened.

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 monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
in XXXX of XXXX I leased a XXXX XXXX soul for XXXX With the interest totalling XXXX We on XX/XX/XXXX the car was totaled due to a non license non insurance Young adult driver. Upon reaching out to credit acceptance to explain to them and total detail of what the incident was I was told that my car was paid in full I had no balance. Well a few months ago I looked on my credit report and saw that they still had a {$3000.00} balance which doesn't make sense because I pay well over {$13000.00} for a used XXXX XXXX soul on my credit report it also stated that it had been paid out due to the company filing it on their taxes. So I'm not sure why is it still on my credit but I would like it removed quickly it has affected my credit score and also affecting me from getting another car. I hope this matter is resolved more sooner than later truly thank you in advance.

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 2025-01-14 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: CO

Complaint narrative:
The order was placed with XXXX I applied for credit with them to purchase a XXXX '' fridge I did not know it was going to come in pieces unit the order was placed. Which is not what I wanted. 
On XXXX I called before placing the order to ensure the item was instock. 
On XXXX the order was placed. 3 days later i was informed it was backordered. I begain paying for the fridge prior to it be delivered. On XX/XX/XXXX, XXXX a fridge was delivered. I informed the company the wronge item was sent and they needed to come back for it. They tried to send 2 more fridges all of them were rejected used and damaged. I have video recording of them being returned and rejected. I insturcted I wanted my monies back and they refused. The company ended up going bankrupt before a soultion was processed. I opened a case with XXXX XXXX and they rejected my claim saying I was fully responsible for a fridge that was never received. I have phone numbers and statements of the delivery drivers that took back the products. I tried to supply these videos to XXXX XXXX but they did not give me a means to send them. I even offered to have them loaded to a cd and mail. I was met with no response. Recently in XXXX they begain to charge me again. I was in the process of purchasing a home and have been denied due to the late payments. I was selling the house that the fridge was purchased for. I had to buy another fridge as the one purchased from applianceconnection.com was never fully delivered. 

It would not allow me to upload the full video ( XXXX ) so i took screenshots. I am willing to mail these in a thumb drive.

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