vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I set up a payment with XXXX to take out {$820.00} for mycar note. I set the payment up to be taken out of my account on XX/XX/XXXX. I was also on the phone with them when I did this so as soon as the payment went through the money disappeared so I assumed XXXX took it. However, XXXX reach back out to me on XX/XX/XXXX saying that the payment was not processed because there was no money to take. So I called Navy Federal to ask them about this and I told them the situation about the money that was in my account, which was set up for a car note payment. I told them that I saw it disappear and assumed that XXXX took it, I also told them that XXXX said that there was no money to take.

I asked them what happened to the money for it to disappear because now I was under the impression that they did not post the money to my account, even though I saw it sitting in my account right there. It didn't say pending, it was sitting in my account clear as day, and as the current amount at that time when I set up the payment. What they did was explained to me a bunch of transfers that I
made to my XXXX XXXX from a different amount of money that I received as a deposit from school, that I used towards my bills and other necessities, which was in the amount of {$890.00}. The amount that I set up to be taken out of my account was also from a different deposit that I have received that went into my account and that was supposed to go straight to my car note. So now I'm aware of two different amounts of XXXX something dollars and I know where

one of them went and it went to bills. But now I'm stuck with this amount that is just lost in space somewhere because they can't tell me what happened to it. They tried to tell me that this amount was the same amount that I used for my bills, but there were two different amounts of XXXX something dollars. And they were deposited on different days so I know when I set this payment up to be taken out of my account and it disappeared. They couldn't tell me what happened to the second amount. They had no information on what happened to it so they tried to make it seem like I spent it up or that my account was overdrafted but they never posted anything to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Company never sent me any notice of collection of debt I check my credit report and seen it Dispute was made XX/XX/year> | havent received a response from company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
Good day!

I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to 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 2025-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I am writing to formally dispute the validity of the alleged debt referenced in your communication regarding the XXXX XXXX XXXX XXXX XXXX account ending in XXXX. While you assert that you purchased this account from XXXX on or about XX/XX/XXXX, and that a balance of {$610.00} was due at the time of purchase, I do not acknowledge or accept this debt as valid for the following reasons : 1. Lack of Notice While you claim that an initial notification letter was sent to me on or about XX/XX/XXXX, I have no record of receiving such a letter. Please provide verifiable proof that this letter was mailed to my correct address, such as a tracking number, receipt, or any documentation confirming the date and delivery of this notice. 

2. Verification of Debt You state that business records from XXXX verify the account was opened in my name and the balance due at the time of purchase. I request that you provide a full accounting of the debt, including the original signed agreement, itemized billing statements, and proof of the balance at the time of purchase. Without these documents, I can not verify the validity of this alleged debt. 

3. Ownership and Right to Collect While you claim to have purchased this debt from XXXX, I request that you provide the complete transfer and assignment documents showing that Portfolio Recovery Associates , LLC legally owns this debt and has the right to collect and report it. 

4. Cease and Desist Request I reiterate that this debt is disputed, and I request that you immediately cease all collection activity and reporting of this account until full validation is provided. Should you fail to provide proper documentation to prove this debt is valid and enforceable, I demand that you remove any related negative marks from my credit report and cease reporting this debt to the consumer reporting agencies. 

Until I receive full validation of this alleged debt, I do not acknowledge it, and I request that you cease all attempts to collect it, as well as stop reporting it to the credit bureaus. 

Please respond in writing within the timeframe required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: OK

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-02-06 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-06 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: MD

Complaint narrative:
Please eliminate this unauthorized account from my credit report, as it is not associated with me. I ask for a thorough investigation to identify and fix any other inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: AL

Complaint narrative:
I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2025-02-06 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.

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 2025-02-06 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: PA

Complaint narrative:
Hey XXXX XXXX XXXX XXXX and this is not a third party filing this complaint. I am overly frustrated with the investigation into the inaccurate accounts reporting on my consumer report. Ive given them over 60 days and they have failed to properly investigate my issues. At this moment I would have to Demand immediate removal of attached accounts. Thank you.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX, and I am writing to formally dispute inaccurate, unverified, and false information currently reported on my credit file. Under the authority of the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws, I am requesting an immediate investigation and correction of these issues. I have recently educated myself on the rights and protections afforded to me by federal laws, and I now understand that the reporting of these items is in clear violation of those laws. Furthermore, I have become aware that my Social Security number was part of a worldwide breach, which raises additional concerns about the accuracy and security of my personal information. 
The items in question are as follows : Charge-The following charge-off accounts have been inaccurately reported, violating 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 6802, which require accurate reporting and protection of consumer data : Late Payments The following accounts report late payments, which should not be listed due to violations of 15 U.S.C. 1666b, requiring creditors to properly notify and resolve billing disputes : Hard Inquiries The following hard inquiries appear on my credit report without permissible purpose or my written authorization, as outlined in 15 U.S.C. 1681b : Actions Requested I am formally requesting : 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 XXXX XXXX XXXX XXXX XXXX Legal Background Under 15 U.S.C. 1681i, I have the right to dispute inaccurate information and receive proper documentation or removal of unverifiable data. If Experian can not validate or verify this information, it must be deleted immediately. 
I appreciate your prompt attention to this matter. Please provide me with the results of your investigation within 30 days, as required by the FCRA. Should you have any questions or need additional documentation, please feel free to contact me directly. 
Sincerely, XXXX XXXX 2.

Removal of any item that can not be fully verified or does not comply with the applicable laws.

3.

Documentation and verification for any item you choose to retain on my credit report.

4.

Immediate cessation of reporting inaccurate or unverifiable information.

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 2025-02-06 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: NC

Complaint narrative:
I am writing to formally dispute and request the removal of a charge-off account listed on my credit report. Upon reviewing my report, I noticed that XXXX XXXX is reporting a charge-off status, which I believe is inaccurate, outdated, or unverifiable. Under the Fair Credit Reporting Act ( FCRA ) 1681i, I have the right to dispute any incorrect or unverifiable information on my credit file. 

The details of the disputed account are as follows : Creditor Name : XXXX XXXX Date Closed : XXXX  Pay Status : >Charge-Off< This charge-off is negatively impacting my credit score and does not accurately reflect my current financial standing. I request that TransUnion : Provide documented proof that this charge-off is accurate, verified, and belongs to me. 
If verification is not available, remove the charge-off entry from my credit file immediately. 
Correct any inaccurate or outdated information related to this account. 
Please provide me with written confirmation once this request has been processed. I have attached a highlighted copy of my credit report showing the disputed account for your reference.

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 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: SC

Complaint narrative:
Re : Cease and Desist from Debt Collection Activities This letter serves as a formal notice that you immediately cease and desist from all debt collection activities concerning the alleged debt associated with [ your account number or reference number, if applicable ]. It has come to my attention that you are attempting to collect a debt that I either do not owe, that is disputed, or that falls under harassment and illegal collection practices. Your actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and applicable state laws. These actions have caused undue stress, harassment, and potential harm to my financial well-being. I demand that you immediately : Cease and desist from all communication with me, except for written correspondence confirming receipt of this letter and outlining the actions you will take in response to this demand. Should you fail to comply with the demands in this letter, I will have no choice but to pursue all legal remedies available to me, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my state Attorney General 's office, and seeking damages through legal action. I trust that you understand the seriousness of this matter and will act accordingly to rectify the situation. Please contact me immediately to confirm your compliance with the demands outlined in this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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 Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit 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 CFPB 's 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 2025-02-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Company never sent me any notice of collection of debt I check my credit report and seen it Dispute was made XXXX I havent received a response from company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: CA

Complaint narrative:
I am formally disputing the late payment entries on my credit report : XX/XX/XXXXXXXX - XXXX - {$210.00}XX/XX/XXXX XXXX - XXXX - {$200.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I looked at my account on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I Sent a letter asking them to reinvestigate these accounts listed below because XXXX XXXX XXXX date last active not reporting correctly shows date of XX/XX/XXXX on XXXX also shows as and open account no active status. XXXX shows last active date on the account as XX/XX/XXXX XXXX shows account type as collection I Sent a letter on XX/XX/XXXX asking for the, to reinvestigate this account XXXX  XXXX XXXX I have gotten the investigation back but nothing was modified or updated on the account So i requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681I7 They also violated 15 USC 1681I ( 5 ) Can you look into this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: MI

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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