vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I dont recall the dates because its been years since Ive had those accounts and those accounts have been are no longer in service or I do not have access to that statement

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 2025-01-21 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: TX

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2025-01-21 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: IL

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:XX/XX/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.

I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXXXX/XX/XXXX- XX/XX/year>2024 XX/XX/XXXX XX/XX/year>2024 XX/XX/XXXX XX/XX/year>2024 XX/XX/XXXXXXXX/XXXX/2024XX/XX/XXXX XX/XX/year>2024 In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall 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 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 2025-01-21 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:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I pay all balance the first of every month. I live on the XXXX the bank is on the XXXX ( 3 hours ahead ). The payment was posted the next day. I incurred a late charge. When I called to address it, I was told there is no grace period. I believe there was a {$40.00} late fee for a {$22.00} balance. I continued to call and try to resolve the issue. Some of the calls I was told the matter was resolved. More interest/finance charges on the next invoice. At one time I paid the {$48.00} asked for and the same amount showed up on the next invoice. As of this writing the amount is {$210.00} due on XX/XX/XXXX. If not paid more charges will be applied and will continue until it's paid. I severed my relationship with the company XX/XX/XXXX. Instead of this bank sending my complaint to dispute dept, they decided to attack my credit rating. My FICO is over XXXX because I pay my bills. I am willing to pay again the first late fee. I am not willing to let institutions extort money from me. I hope you can help me. Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: General Motors Financial Company, Inc.
State: AL

Complaint narrative:
On XX/XX/scrub>/2024, I mailed GM Financial to request a copy of the original Retail Installment Sales Contract or Lease Agreement and Buyers Order associated with the sale and financing/leasing of this vehicle. Please include any arbitration provisions. and I also request a copy of the Credit Application. I have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: GA

Complaint narrative:
I have been using Lexington Law Firm since XXXX and I was charged an upfront fee for a credit sweep and credit monitoring services. Over a period of 10 years they have been contacting me to continue with there services. In XXXX I started back with the company to remove something off my credit which I was charged an additional amount plus a month subsciption that was deducted out of my account. I can provide bank statements if I need to. Could someone please inform me of what is going on with this company? I trusted them with my personal information and did not realize it was an illegal transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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:
Account number with NAVY FEDERAL IS XXXX routing number 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 2025-01-21 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: NV

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal 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 2025-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MN

Complaint narrative:
I noticed a balance from XXXX on my credit report for {$5700.00}. I sent them several letters over the last year asking for an explanation of this debt. They never sent me any explanation, only a letter telling me that the letters that I sent requesting the debt validation, were " frivolous ''. I am completely clueless as to why I would owe them anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: MS

Complaint narrative:
Im filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.Dispute my submissions, Equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates Fair credit reporting act ( Fcra )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: GA

Complaint narrative:
I have made multiple calls over the past two months trying to get the SAVE application removed because of the litigation and to continue with the PAYE repayment plan I am currently on. My loans were placed in forbearance in XXXX but I wasn't informed of it until XXXX and not all of my loans were placed in forbearance at the same time. It put me in a paid ahead status which has effected my loan repayments as well. Every time I call MOHELA, I get place on hold for hours and then they disconnect. Today I was on hold since XXXX and they disconnected on me twice, which makes me have to call back get in another 2 hr. que time. I was on hold this last call for three hours before they disconnected. Its pretty ridiculous to be place on hold for an entire day to only be hung up on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: MS

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence that I provided, causing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: OH

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB 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 funds was unfeasible. CFPBs findings indicate that Zelle 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 safely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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 am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuits 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 CFPBs 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 2025-01-21 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: NV

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, swas unf ily charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  Balance {$480.00} Open Date XX/XX/XXXX Inquiries XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am writing to formally dispute a fraudulent account that has been reported under my name with CAPITAL ONE, XXXX XXXX, XXXX  This account is neither authorized by me nor opened with my knowledge. Furthermore, despite my repeated requests, you have failed to provide the original documentation proving that I opened or authorized this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: AL

Complaint narrative:
This was marked as a duplicate complaint and it is not* I am filing this complaint regarding inaccurate reporting by XXXX XXXX my credit report. Over 20 late payments have been reported incorrectly, and my account is being shown as delinquent or derogatory when it is not. I have requested numerous times for documentation to be mailed to me or emailed and have received nothing. Key Issues : Incorrect Late Payment Reporting : XXXX has inaccurately reported over 20 late payments for my auto loan account to the credit bureaus ( XXXX, XXXX, and TransUnion ). These late payments are not accurate, and XXXX has failed to provide any documentation or payment history to validate their reporting. Failure to Investigate Disputes : I have disputed these inaccuracies with both XXXX and the credit bureaus, but no proper investigation has been conducted. Under the Fair Credit Reporting Act ( FCRA, Section 1681s-2 ( b ) ), XXXX  is required to investigate disputes and ensure accurate reporting, which they have not done. Lack of Documentation : I have repeatedly requested account statements and payment history from XXXX to verify the accuracy of their reporting. They have failed to respond to these requests, leaving me unable to validate or correct the reported information. Harm Caused : The inaccurate reporting has severely damaged my credit score, preventing me from refinancing my auto loan or securing other financing. This situation has caused financial and emotional stress, as I am unable to resolve these inaccuracies without XXXX cooperation.

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 2025-01-21 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: AL

Complaint narrative:
This was marked as a duplicate complaint and it is not* I am filing this complaint regarding inaccurate reporting by XXXX XXXX my credit report. Over 20 late payments have been reported incorrectly, and my account is being shown as delinquent or derogatory when it is not. I have requested numerous times for documentation to be mailed to me or emailed and have received nothing. Key Issues : Incorrect Late Payment Reporting : XXXX has inaccurately reported over 20 late payments for my auto loan account to the credit bureaus ( XXXX, Equifax, and XXXX ). These late payments are not accurate, and XXXX has failed to provide any documentation or payment history to validate their reporting. Failure to Investigate Disputes : I have disputed these inaccuracies with both XXXX and the credit bureaus, but no proper investigation has been conducted. Under the Fair Credit Reporting Act ( FCRA, Section 1681s-2 ( b ) ), XXXX  is required to investigate disputes and ensure accurate reporting, which they have not done. Lack of Documentation : I have repeatedly requested account statements and payment history from XXXX to verify the accuracy of their reporting. They have failed to respond to these requests, leaving me unable to validate or correct the reported information. Harm Caused : The inaccurate reporting has severely damaged my credit score, preventing me from refinancing my auto loan or securing other financing. This situation has caused financial and emotional stress, as I am unable to resolve these inaccuracies without XXXX cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This was marked as a duplicate complaint and it is not* I am filing this complaint regarding inaccurate reporting by XXXX on my credit report. Over 20 late payments have been reported incorrectly, and my account is being shown as delinquent or derogatory when it is not. I have requested numerous times for documentation to be mailed to me or emailed and have received nothing. Key Issues : Incorrect Late Payment Reporting : XXXX has inaccurately reported over 20 late payments for my auto loan account to the credit bureaus ( Experian, XXXX, and XXXX ). These late payments are not accurate, and XXXX has failed to provide any documentation or payment history to validate their reporting. Failure to Investigate Disputes : I have disputed these inaccuracies with both XXXX and the credit bureaus, but no proper investigation has been conducted. Under the Fair Credit Reporting Act ( FCRA, Section 1681s-2 ( b ) ), XXXX is required to investigate disputes and ensure accurate reporting, which they have not done. Lack of Documentation : I have repeatedly requested account statements and payment history from XXXX to verify the accuracy of their reporting. They have failed to respond to these requests, leaving me unable to validate or correct the reported information. Harm Caused : The inaccurate reporting has severely damaged my credit score, preventing me from refinancing my auto loan or securing other financing. This situation has caused financial and emotional stress, as I am unable to resolve these inaccuracies without XXXX cooperation.

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