vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: NJ

Complaint narrative:
Upon reviewing my credit report, I identified several errors. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to verify the accuracy of these accounts. Reporting unverified information without proper validation within the legal timeframe is not permissible. I request that you investigate and correct the following accounts listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I have two closed accounts with capital one That are not mine and are over 7yrs. They changed the report dates of when they were closed. They were closed in XXXX and they were change to XXXX. It was removed off my XXXX but XXXX XXXX XXXX fail to remove it. 

XXXX XXXX bal. amount of {$1800.00} XX/XX/XXXX bal. amount of {$710.00} I have a close account with XXXX XXXX that I was making payments on and they closed my account while I was making payments. I am not over my limit and they close my account saying I was behind and reported me to all 3 bureaucracy 's as a close account. This I formation is wrong XX/XX/XXXX balance {$5300.00} and credit limit {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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 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 ( 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. These are the accounts that I have marked as inaccurate. ( XXXX and 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 2025-01-23 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: TX

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, I was unfairly 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 2025-01-23 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 lawsuit against Experian alleging systemic issues such as failing to forward customer provided ad evidence to furnishers and failing to adequately notify customers of dispute outcomes these failures online with my experience where Experian has neither corrected or 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 experians in action 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 2025-01-23 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: FL

Complaint narrative:
I am writing to formally express my concerns in the recent CFPB lawsuit. I feel like Zelle failed to investigate my claims adequality and the CFPB findings indicate that zelle has not only neglected to protect consumers like me, but has also allowed repeat offers to exploit the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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:
Experian 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 in accurate or unverified accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging, systematic 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 or removed disputed items despite the evidence I provided, causing continued harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians in action 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 2025-01-23 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: TX

Complaint narrative:
History of several disputes with XXXX and XXXX to investigate and remove inaccurate information. Please see all previous complaints made with CFPB as a reference and proof that I was a victim of these agencies sham investigations.

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 2025-01-23 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: TX

Complaint narrative:
History of several disputes with XXXX and Equifax to investigate and remove inaccurate information. Please see all previous complaints made with CFPB as a reference and proof that I was a victim of these agencies sham investigations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: LA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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.

Complaint narrative:
I am a victim of identity theft the accounts I have mentioned in this report do not belong to 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 non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
XXXX credit bureau continues to and/or refuses to : XXXX ) update incorrect information related to personal information of my name. I have made attempts to have them update my legal name listed on my BC, SSN and DL but they continue to use my former name and also use my daughter 's name as AKA which her name is spelled different with a different middle initial as well. XXXX ) XXXX is making use of improper use of my report with credit inquiries from unknown sources that I do not recognize nor has applied for during months inquiries were reported. XXXX ) XXXX has refused to honor a dispute regarding a debt collection agency who reported a Medical bill thereby violating my HIPPA rights and with Company refusing to submit proof of debt and/or medical billXXXX XXXX XXXX XXXX  XXXX at which I contacted and requested but never received ). Rather than remove dispute, XXXX failed to properly remove the debt collector due to my Fair Credit reporting rights and company 's violation of my HIPPA rights XXXX ) XXXX  information if far outdated with inaccuracies and does not reflect similar reporting information and XXXX  score as my XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was making a payment through my bank account, the payment was declined twice before the third payment went through. Three payments of XXXX XXXX XXXX  came out of my account on XX/XX/year> and the balance was adjusted the next day as if I never had my original balance from the previous day. Only the one payment that processed was showing and my balance was adjusted as if it was always XXXX XXXX XXXX  less.

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 2025-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
Hello, Somehow Ive found myself in a situation where Im compelled to send this e-mail in an effort that it will make a significant impact.

Approve Outstanding Borrower Defense Applications To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXXaffiliated schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXXXXXX 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 XXXX Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX  misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts. We are asking you to take immediate steps to : XXXX. Approve all outstanding Borrower Defense applications for students who attended these institutions. XXXX. Discharge all loans associated with fraudulent practices, including consolidated loans. XXXX. Repair borrowers credit reports to reflect the removal of these fraudulent debts. Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it. We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. Thank you for your attention to this urgent matter. Sincerely, Students & Graduates of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
On XX/XX/year> I mailed out a dispute to this credit bureau because they have multiple accounts listed on my credit report as collections when they have been PAID IN FULL. I requested that they validate these accounts and update them to CLOSED/PAID IN FULL or delete them from my credit report. I specifically asked for a copy of the contract bearing my signature for the accounts in dispute and a complete account reconciliation regarding each account that they are reporting inaccurately. Not only did they fail to provide me with this information, they failed to investigate entirely. It was a complete disregard for my rights under the fair credit reporting act. This bureau didn't move forward with my dispute in anyway and this is seriously hurting my ability to obtain credit, purchase a home and so much more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: WI

Complaint narrative:
On XX/XX/XXXX XXXX and XX/XX/XXXX I disputed an inaccurate item on my credit which is XXXX XXXX XXXX account number XXXX responded with a debt validation letter with a cease and desist notice they failed to properly validate the debt and this is required by the FCRA I asked for written proof that XXXX XXXX XXXX own the debt and or authorized to collect on it, I asked for the name and address of the original creditor, a copy of the signed agreement with my signature that created the debt, the exact amount of debt owed, a copy of the last billing statement, And account statement showing all charges and payments on this account, proof that the statue of limitations has not expired on this debt in my state, proof that they are licensed to collect debt payments in the state of Wisconsin, and are registered through the NMLS database XXXX I also asked for the chain of title and if they couldnt provide all this information in writing, this debt is not valid. I demanded them to immediately notify the credit bureaus to remove it from my credit file. I just disputed again on XX/XX/XXXX and it came back verified with missing data. No payment history. It was totally inaccurate. I made a call to XXXX XXXX on XX/XX/XXXX asking what was the method of verification that they used to verify that this information was XXXX XXXX  complete and accurate. so I am formally again issuing a cease and desist on XXXX XXXX XXXX and Equifax and XXXX XXXX XXXX to remove this inaccurate account on my credit file immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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:
The credit reporting agency violated FCRA, 15 U.S.C. 1681i by failing to conduct a reasonable investigation of disputed accounts. Despite providing clear evidence that the accounts were fraudulent the accounts were not removed from the credit report. This failure constitutes : Non-Compliance with Reinvestigation Obligations : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a consumer reporting agency is required to conduct a reasonable reinvestigation of any item disputed by the consumer within XXXX  days. No adequate reinvestigation was performed, and the disputed information remains on the credit report. 

Failure to Correct Inaccurate Information : As per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), the consumer reporting agency must delete or modify inaccurate or unverifiable information after the reinvestigation. The failure to remove the fraudulent account despite proof of its inaccuracy violates this requirement.

Violation of Notification Requirements : Under 15 U.S.C. 1681i ( a ) ( 6 ), the agency must provide the consumer with the results of the reinvestigation. The lack of timely notification about the investigation results further violates the statute.

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 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

Company response to consumer: Closed with explanation