vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
Account Number:XXXX  Current Creditor : XXXX XXXX  Unit : XXXX Balance : {$1000.00} I am writing in regard to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies For months, I have been charged bongos charges for moving out the home I once occupied at XXXX XXXX XXXX  XXXX, Alabama XXXX, and after looking at the itemized charges that was sent to me I believe I have located the issue. I paid my rent on time faithfully every month, The last month I stayed I was quoted a bill for over {$2800.00}, I inquired about it and was told that it would be adjusted once I moved, I moved out on XX/XX/year>, I sent videos, text, and email to your department as advised to let everyone I was evacuating the home. I was told your department 60 days prior of my intent to vacate the home, I was charged on my bill {$1500.00} I sent emails to provide that I notified your department of my family plans, I received another email stating that the {$1500.00} would be removed. 

Upon checking the itemize sheet that was sent to me I noticed that I am being charged {$1500.00} for rent for that month along with {$860.00} for that for rent for that month, I am being double charged when I only stayed little over half a month in XXXX. XXXX XXXX has taken my security deposit, which I should be receiving a refund rather than having a balance. I suggest that you take a deeper look into and issue the remainder of my Sercuity deposit. Im looking forward to hearing from you soon. 

I have all correspondence and evidence to support- Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: Consolidated Recovery Group, LLC
State: MO

Complaint narrative:
I am submitting this complaint against XXXX for failure to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ( a ) ) and Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ( b ) ) regarding inaccurate and unverifiable information on my credit report. Despite multiple disputes submitted to XXXX, these erroneous collection accounts remain on my report, and the bureau has failed to provide proper verification or remove the disputed items.

Legal Basis for Complaint : Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) Under the FCRA, XXXX is required to conduct a reasonable investigation into disputed information within 30 days of receiving a dispute. The burden of proof is on the data furnisher to verify that the information is accurate. 

XXXX failed to properly investigate my dispute and instead responded with a generic response, stating that the disputed items have been " verified '' without providing any supporting documentation.

Failure to Provide Verification Documents ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Upon verification, XXXX is required to provide me with a written notice containing the method of verification used to confirm the disputed account. 

No such documentation has been provided, making it impossible for me to verify the legitimacy of these accounts. 
Reporting Inaccurate and Outdated Information ( 15 U.S.C. 1681c ( a ) ) Some of these collection accounts contain incorrect balances and statuses, yet XXXX refuses to correct them despite factual documentation submitted with my dispute. 

Reporting unverifiable and inaccurate negative information is a direct violation of the FCRA. 
Failure to Remove Unverified Debt ( 15 U.S.C. 1681s-2 ( b ) ) Credit bureaus must delete or correct disputed items if the furnisher fails to provide sufficient verification.

Since the collectors ( Consolidated Recovery Group, XXXX. XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  XXXX, XXXX  ) have not provided legitimate documentation proving ownership or validation of these debts, XXXX must delete them from my credit file. 

Violation of Debt Validation Rights Under FDCPA ( 15 U.S.C. 1692g ( b ) ) Collection agencies are required to provide validation of the alleged debt if a consumer disputes it within 30 days of first contact. 

I requested validation directly from XXXX. XXXX  and XXXX XXXX XXXX, but they failed to provide any proof that I owe these debts. 

Since the accounts remain on my XXXX credit report without proper validation, they should be removed immediately per the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
My account has been restricted from buying and selling activities for approximately XXXX weeks now. Despite multiple attempts to contact support and submitting the required proof of identity, the issue remains unresolved. 

I would like to highlight that transactions were made on my account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, involving a total amount of {$7200.00}. Since then, I have been unable to access these funds due to the restriction. 

I urgently request your assistance to resolve this matter, as it is impacting my financial activities and access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-19 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: MS

Complaint narrative:
I disputed all of those unrecognized inquiries on my credit report they sent me a letter saying those inquiries were intact deleted but they are still showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of America on numerous instances, refused to provide assistance of managers, has constantly posted over draft fees on my account, when asked about particular NSF transaction 's I have been met with belligerent behavior, yelling, unprofessionalism, behavior, one manager on a recorded call stating " I don't know why we took that money '' when demanding the funds back into the account the manager then states '' there is no money to put back '', I explained to her I wanted the money the bank took, the manager hung up the phone. The funds were only put back after an email from my company threatening legal action.

I actually have this particular call as well as a multitude of other recorded calls.

Bank of America, has on multiple occasions posted fraudulent NSF fees on my account.

Bank of America does NOT support small woman business owners, in fact, it is the exact opposite.

Bank of America needs a FULL audit investigation into its banking operations.

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 2025-02-19 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: TX

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: TX

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-19 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: TN

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 2025-02-19 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: FL

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





Bankruptcy Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: GA

Complaint narrative:
I am writing to formally express my frustration and concern regarding my ongoing issue with Mohela regarding my refund of {$16000.00}, as indicated in the Departments records. Despite multiple attempts to reach a representative, I have found it extremely difficult to get in contact with anyone or receive a call back regarding the status of my refund. 

This has been an ongoing process that has caused significant stress and uncertainty. I expect timely communication and resolution on this matter. Please provide an immediate update on the status of my refund and a clear timeline for its processing. If I do not receive a response soon, I will be left with no choice but to escalate this issue further. 

I appreciate your prompt attention to this matter and look forward to your response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: MI

Complaint narrative:
Once again, I am writing to formally request the removal of the items that I previously asked to be removed from my report. Despite submitting this request several months ago, these items are still being reported on my account. What happened? I have already provided all the necessary details and documentation required to support my request Therefore, I kindly ask that you address this matter promptly again and ensure that the requested changes are made to my report without further delay.anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Hello, I've been in negotiations for quite some time with Wells Fargo concerning my mortgage. I finally was approved for a loan modification but my interest rate jumped higher than the current low interest offered by Wells Fargo. I am grateful for the approval of the loan modification.

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 2025-02-19 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: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-02-19 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: Consumer Asset Management (Texas)
State: ME

Complaint narrative:
I do not recognize the following findings XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-02-19 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-02-19 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

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 2025-02-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
On XX/XX/XXXX I requested that the bank send me a check for {>= $1,000,000}. According to my account the check was sent on XX/XX/XXXX. As of today I have not received the check. XXXX 's XXXX XXXX doesn't show it. I called Barclays and they said it could take several weeks. That doesn't make sense. I should have received it in a few days. 
I believe they are delaying paying me.

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