vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 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: GA

Complaint narrative:
I have recently disputed items on both Experian and Equifax with documents XX/XX/XXXX thru XX/XX/XXXX, that was requested by the bureaus in order for the disputed items to be removed. Experian and Equifax has failed to properly investigate and view my documentation that was sent to verify my disputes. Instead, they listed the items as VERIFIED AND UPDATED numerous times. One representative at Experian stated she did not see the documentation that was sent in on file while another was able to verify the documentation was on file. This is not the first time I have filed a complaint or disputed these items and they have failed to remove them. Transunion has removed said items and took into account my documents. I have expressed this to both Experian and Equifax. An Experian representative has informed me that they do not investigate any disputes but that they send the information that a consumer sends to them to the creditors and if the creditors state the information they have on file is accurate then the bureaus list the items as VERIFIED AND UPDATED. They continuously send stalling letters stating they need proof of my identity or they could not process my disputes due to me not verifying the reason for the disputed items to be removed. The items are XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX, All have been listed on my FTC report that the bureaus stated I have to have in order to process my disputes and have these items removed.

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 2025-02-02 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: LA

Complaint narrative:
This is a resubmission of my initial complaint against Zelle, as their dismissive response requires no action from consumers. Your response to legitimate consumer complaints reflects exactly why the CFPB is suing Zelle under violations of the Consumer Financial Protection Act ( CFPA ) and Electronic Fund Transfer Act ( EFTA filed XX/XX/year> ( Ca Zelle failed to impl prevention mea consumer claim he CFPB 's law XXXX dequate fraud estigate over {$870.00} XXXX XXXX in documented fraud losses. Your ... claim of " insufficient facts '' directly mirrors XXXX the lawsuit 's allegations of systematically denying valid consumer complaints. Under XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: IN

Complaint narrative:
I'm trying to have my legal name updated with Edfinancial and have submitted both my social security card and birth certificate multiple times but no update has occurred. Need this updated ASAP as currently the name on my account is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. The actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

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

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Unionregarding multiple overdraft fees I have incurred despite having sufficient funds when transaction where authorized.i was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against NAVY FEDERAL, for similar practices where similar transactions settled with insufficient balance despite initially available funds. Ibelieve these practices are unfair and request a 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 2025-02-02 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: GA

Complaint narrative:
Upon reviewing the copy of my credit report, I noticed discrepancies that I believe to be incorrect and potentially harmful to my credit health. These items do not accurately reflect my financial history and are negatively impacting my credit score and overall financial well-being

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 2025-02-02 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: GA

Complaint narrative:
Upon reviewing the copy of my credit report, I noticed discrepancies that I believe to be incorrect and potentially harmful to my credit health. These items do not accurately reflect my financial history and are negatively impacting my credit score and overall financial well-being

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 2025-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a, victim of the Equifax Data Breach and I am filing this FTC Identity Theft Affidavit to report and request removal and blocking of a fraudulent collections account from 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, appearing on my consumer FICO credit report which I do not recognize which are the result of the Equifax Data Breach. I demand the mentioned fraudulent items be blocked and removed from each of my consumer credit reports with in 4 days pursuant to FCRA 605B15 U.S.C 1681c-2 and all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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

Complaint narrative:
I have not supplied under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX  XXXX BANKRUPTCY XXXX acct # 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 2025-02-02 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: IL

Complaint narrative:
I have not supplied under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX  XXXX BANKRUPTCY XXXX acct # XXXX.

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

Complaint narrative:
I recently a copy of my credit report and noticed fraudulent account remover they my credit report I have to file bankruptcy because they made several bills for me please remover these account from my credit report they hunting my 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 2025-02-02 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: NJ

Complaint narrative:
I recently a copy of my credit report and noticed fraudulent account remover they my credit report I have to file bankruptcy because they made several bills for me please remover these account from my credit report they hunting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Subject : Complaint Against American Express Regarding Disputed XXXX  Charges To Whom It May Concern : I am writing to file a formal complaint against American Express concerning disputed charges related to an XXXX  reservation. Despite providing comprehensive documentation, including detailed communication records with the XXXX host, American Express has denied my dispute. 

Details of the Dispute : Reservation Information : Host : XXXX XXXX Location : XXXX XXXX Confirmation Code : XXXX Stay Dates : XX/XX/2024 XX/XX/2024 Payment Details : Receipt ID : XXXX Date : XX/XX/2024 Amount : {$2200.00} Payment Method : American Express ending in XXXX Receipt ID : XXXX  Date : XX/XX/2024 Amount : {$300.00} Payment Method : American Express ending in XXXX Issue Encountered : Prior to the reservation, I informed the host in writing that my mother has severe XXXX to certain scents and inquired about the presence of any strong odors in the property. The host assured me that the environment would be suitable for someone with such sensitivities. Upon arrival, it became evident that the property had strong scents that posed a health risk to my mother. I immediately contacted the host to address the issue, but they were unable to rectify the situation. Consequently, we had to vacate the property to ensure my mothers well-being. 

Actions Taken : 1. Contacted Host : Notified the host of the issue upon arrival ; the host acknowledged the problem but could not provide a solution.

2. Contacted XXXX XXXX : Reported the issue to XXXX and requested a refund. Despite providing evidence of prior communication about my mothers XXXX and the hosts assurances, XXXX declined to issue a refund, citing their policies. 
3. Disputed Charges with American Express : Submitted a dispute to American Express, providing all relevant documentation, including detailed communication records with the host. Despite these efforts, American Express has denied my dispute, stating that the charges are valid. 

Desired Resolution : I am seeking a full refund of {$2500.00} to my American Express account for the XXXX reservation, given the hosts failure to provide a suitable environment as assured and the subsequent health risks posed to my mother. 

Enclosures : Communication records with the host I appreciate your attention to this matter and look forward to a fair resolution in my favor

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

Complaint narrative:
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. 
Account name ; XXXX XXXX XXXX Account number ; XXXX Account name XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX has violated my rights. 
I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and incorrect. 
And according to 15 USC 1681 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 of information from the file of the consumer, or modify that item of 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 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.

15 U.S.C. 1681B ( A ) ( 1 ) 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 incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: Leafy Financial, LLC
State: PA

Complaint narrative:
I have reach out to Leafy Finacial capital several times to found out who is the original debt collector and why after 8 years do they keep falsify the age of this debt. in the amount of XXXX spoke to them in 2017 on removal of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc
State: TN

Complaint narrative:
I am disputing a collection account on my credit report related to an apartment rental. I provided the landlord with a one-month notice before moving out and vacated the property in XX/XX/year>. All rent and balances were paid in full by the move-out date, and I never missed a rent payment during my tenancy. 

Despite this, the landlord never returned my security deposit or provided an itemized statement of any deductions, as required by law. I was never notified of any outstanding debt, and no communication was sent to me via regular mail, certified mail, or any other method. 

The collection account appeared on my credit report on [ insert date ], and I was not informed of this debt prior to its reporting. I have attempted to resolve this issue by [ insert actions youve taken, e.g., contacting the collection agency, disputing with the credit bureaus ], but the account remains on my credit report. 

I believe this debt is invalid because : I provided proper notice and moved out in XX/XX/year> after paying all rent and balances in full. 

I never missed a rent payment during my tenancy. 

The landlord never returned my security deposit or provided an itemized statement of deductions, as required by law. 

I was never provided with any documents or notifications about an alleged balance. 

I request that this account be removed from my credit report and that the collection agency provide validation of the debt. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
XXXX of XXXX  an XXXX of XXXX  XXXX I transacted funds of XXXX XXXX my wife she neve got then an I never got it back an a funds ticket for XXXX they never returned it an no one was availing to fix the issues at all bam trying enter since to get help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: BRite Financial Services, Inc.
State: FL

Complaint narrative:
Subject : NOTICE OF DISPUTE Dear XXXXrite Financial I am writing to formally dispute the accuracy of the information reported on my credit file for the following account : Creditor Name : Brite Financial Current Status : Charge-Off / Derogatory Upon reviewing my credit report, I have identified several discrepancies related to this account that I believe are incorrect and require immediate investigation and correction. The specific issues are as follows : 1. Inaccurate Balance Reporting : The report states that I owe {$13000.00}, despite the account being marked as charged-off and closed on XX/XX/XXXX. If the account is charged off, it should not reflect an outstanding balance unless transferred to collections, in which case the reporting should reflect the new creditor. 
XXXX. Incorrect Payment History : The payment history shows that I have made 22 % of on-time payments, yet nearly all months are marked as late. Additionally, I made my last payment on XX/XX/XXXX, which is inconsistent with the account closure date of XX/XX/XXXX. 
XXXX. XXXXrm and Status Conflict : The loan was for 48 months, yet the account was closed in less than two years. If there was a repossession or charge-off, the remaining balance should have been adjusted accordingly.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I request that this information be investigated and verified. If the account can not be verified as accurate, I ask that it be corrected or removed from my credit report immediately. 

Please provide me with the results of your investigation, as well as any documentation used to verify this accounts accuracy. If this dispute is not resolved in a timely manner, I am prepared to escalate this matter with legal action if necessary. 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days, as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: MA

Complaint narrative:
I went to purchase a vehicle from XXXX XXXX XXXX  in XXXX RI I purchase a XXXX XXXX XXXX  under the impression the purchase price would be XXXX I gave the dealership a XXXX deposit and continued to the office for a loan on the remaining balance which would have been XXXX they told me my payments would be XXXX a week and that was it I walked out the office and got my keys two years later after I had paid almost XXXX I contacted credit acceptance to get my title they then proceeded to inform me that I did not take out a loan for XXXX but for XXXX in which case I was not aware of Ive tried to settle this account for 2 years and they refuse to work with me only to report to my credit report that I still owe them another XXXX for the vehicle then fast forward my car was deemed a total loss they sent me a letter for a settlement for XXXX when I tried to settle it they refused to take my offer or my payments and have continued to report to my credit report and kept harassing me for more payments even when I asked for a hardship because I fell sick they have refused continue to ruin my credit and my hope of ever buying a home for my children credit acceptance is a fraudulent company that ruins lives

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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I was a DCU member at the XXXX, Massachusetts branch for many years. I had noticed in my credit report that in XXXX, DCU Corporate in XXXX, Massachusetts had listed my account as a Charge-Off. I tried disputing the matter through XXXX since it had been 7 years and XXXX denied it. I reached out to DCU several months ago and they stated they never listed anything as a Charge-Off and that I was in good standing with them, so, I tried disputing the matter once more and XXXX denied once again. I called DCU on Friday XX/XX/XXXX and they said that my checking account had a negative balance of around {$150.00} and told them I had paid this off years ago and that no one notified me that I owed any money on the account. The sales representative spoke to collections department and collections said they said I didn't owe anything and was not sure why I had a charge off to begin with since I didn't owe anything. The supervisor of collections also couldn't see anything and couldn't figure out why I had a charged off account. This greatly upset me because it has impacted my credit for a long time and was falsely reported by the bank and had a false charge-off reported which is unacceptable.

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