vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 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:
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 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, 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.

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 2025-01-16 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: IL

Complaint narrative:
I am writing to formally express my concerns regarding XXXX 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 impossible and that tracking these transactions was infeasible.The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PENTAGON FEDERAL CREDIT UNION
State: NV

Complaint narrative:
On XXXX XX/XX/year>, Pentagon Federal Credit Union processed a check for {$500.00}. Then on XXXX XX/XX/year>, Pentagon Federal Credit Union processed the same check for {$500.00} but didn't identify the check number ( which XXXX separate agents/representatives verified over the phone that it is the same check being processed incorrectly ). I was told ( the XXXX XXXX XXXX ) Pentagon Federal Credit Union was going to fix the issue and credit the {$500.00} to my checking account within XXXX to XXXX hours. I waited XXXX hours after each call to Pentagon Federal Credit Union but the issues was never fixed nor addressed. I've also pointed out the inconsistencies Pentagon Federal Credit Union processes of not allowing me to see copies of XXXX of the checks they've processed. ( i.e. I can see a scan of some of the processed checks with check numbers while others are not available and the check numbers are not available on the account transaction history ).

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 2025-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My information was exposed in a data breach. Equifax and XXXX FTC report FCRa Please help Inquires Collections Everything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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:
formally file a complaint against BMW XXXX regarding their failure to comply with my request for supporting documents to validate that an alleged debt belongs to me. I have encountered significant financial hardship due to this matter, and I believe my rights as a consumer have been violated under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws. 

I previously requested verification of the debt in question from BMW XXXX, as is my right under the FCRA. However, BMW XXXX has failed to provide the requested documentation that clearly establishes the debt as mine. Under Section 609 of the FCRA, I am entitled to receive proper verification and documentation that links the debt to me, which has not been provided. This failure to verify has caused undue financial strain, and the account remains inaccurately reported under my name. 

Furthermore, BMW XXXX has not identified this alleged debt appropriately, which violates the Fair Debt Collection Practices Act. I have not received any clear and detailed explanation of the debt, nor have I been provided with the necessary documentation to substantiate the claim that it belongs 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 explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX Balance : {$3100.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$4900.00}, XXXX XXXX XXXX Date of XXXX XX/XX/year> XXXX XXXX XXXX Date of Inquiry XX/XX/year> XXXX XXXX XXXX Date of Inquiry XX/XX/year>

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 2025-01-16 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX  days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I was selling something on XXXX marketplace and was told I would be paid via XXXX. Given this was through my PNC bank XXXX I thought it was legitimate, however I was scammed with fraudulent XXXX via PNC emails to initiate a transfer to set up the account. I attempted to get the funds back through the banks and they were unable to assist and confirmed it was a safe way to send money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
XXXX  POWER OF ATTORNEY REVOCATION Use of this form is for the power of attorney of : - XXXX XXXX XXXX XXXX XXXX - Other : XXXX, XXXX XXXX portions covering decisions of the document titled XXXX  XXXX _, hereby immediately revoke those _, that _ XXXX XXXX I previously executed on the XXXX of _ which appointed One Main Finance One Man Finance as my agent and as my alternate successor agent. I hereby notify said agents ) and any other interested persons and institutions that all portions of said document are revoked. 
This revocation takes effect immediately. A photocopy has the same effect as an original. 
This revocation was signed the XXXXXXXX XXXX XXXX XXXXXXXX Signature of XXXX XXXX XXXX XXXXXXXX Print Name XXXX XXXX _, XXXX. 
NOTE : Provide copies to anyone who may have copies of the Power of Attorney that is being revoked. Retain the original of this form in your personal papers. 
[ State of XXXX XXXX of XXXX On this XXXX  day of XXXX, in the year XXXX before me XXXX, a notary public, personally appeared XXXX XXXX proved on the basis of satisfactory evidence to be the person ( s ) whose name ( s ) ( is/are ) subscribed to this instrument, and acknowledged ( he/she/they ) executed the same. 
XXXX XXXX my hand and official seal. 
Print Name XXXX XXXX My Commission Expires on XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: CT

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. Collection Accounts Collection accounts listed below is in violation of 15 U.S. C
ode 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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 2025-01-16 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: NC

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FRCA ) 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 XXXX, 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 XXXX 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 XXXX 's inaction violated federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
So on XX/XX/XXXX XXXX XXXX received a letter stating a deposit made on XX/XX/XXXX was flagged. The funds for paycheck for XXXX was returned to capital one XX/XX/XXXX without an email or text saying a problem occurred. So XXXX XXXX proceeded to call capital one for an explanation. XXXX XXXX got the fraud department that explained it must have been a signature or didnt understand the letter that was written to the the customer. Then they proceeded to explain to mr XXXX he must Re deposit the check on Monday and it might go through. XXXX XXXX re deposited the check on Monday XX/XX/XXXX and it was successfully deposited again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax Consumer Information Services have deliberately stopped updating my credit profile and denied me access to it since XX/XX/year>. I have made several attempts with the agency to correct all outdated and erroneous information they were reporting on it to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
They have ignored and refused to reinstate funds they gave access to!!! Checking and savings accounts totaling {$9.00}, XXXX were dispensed!!! THEY REFUSE TO DISCLOSE TO WHO AND WHY THEY DID SO, WHEN THEY WERE ADMONISHED TO BLOCK THE ACCOUNT AND NOT DISPENSE ANY MONEY AS PER PROBATE REQUISITE OF THE COURT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
On XX/XX/year> I was sent a summons to appear in court from a third party debt collection agency for a debt that is not mine, in the amount of {$5700.00}. On XX/XX/year> I sent a request to validate the debt by certified mail. The company failed to respond to my debt verification request. As stated in the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ), the debt collection agency is required to respond to, and answer completely, a debt verification request within 30 days of receiving the request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: DE

Complaint narrative:
It has come to my attention my personal information has been exposed in the national data breach reviewing my credit reports i notice some accounts i am unfamiliar with i have asked the cra for validation of debt however the information has not been provided due to my information being exposed i have submitted a XXXX complaint reporting the information Please remove XXXX 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 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am writing to file a complaint against Navy FEERAL CREIT 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 issues aligns with recent CFPB findings against. NAVY FEDERAL for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe the practices are unfair and request and investigation into my account transactions,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: VA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX XXXX C/O XXXX XXXX XXXX XXXX, FL XXXX Debt Validation Request To whom this may concern, I am writing in response to a debt collection notice I received from your agency regarding the alleged debt you contacted me by mail, and identified the debt as XXXX, in the amount of {$2900.00}. Before I proceed with any further actions, I would like necessary information to be provided to validate the accuracy of this debt. 

As you are aware, according to the Fair Credit Reporting Act 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify within 30 days. Please provide and respond to the requested information below : -Document proving ownership of the debt -Proof of how the company assess the debt and current balance ( Are there any additional interest, fees or charges that may have been added since the last billing statement from the original creditor ) -Payment history from the original creditor & the final payment made on the account -Copy of the original contract bearing my signature of agreement -Chain of title on the debt -Bill of Sale -Have you determined that the debt is within the statute of limitations applicable to it? Please provide the statute of limitations expiration date for this debt. 

Please also provide proof that [ XXXXXXXX XXXX ] has the right to collect this debt within the state of FL. I would also like proof of your current insurance bond. 

I am entitled to all information listed above and I request that you cease all collection activities until the debts validity has been verified and the requested information has been provided. 
Please be sure to forward all correspondence and documentation to the address provided above. 
Thank you for your time. 

Sincerely, 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 2025-01-16 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: NC

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, PA XXXX Subject : Formal Demand for Immediate Investigation and Removal of Erroneous Accounts To Whom It May Concern, Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and other applicable consumer protection laws, I am writing to formally dispute and demand the immediate removal of the following accounts from my credit report : XXXX. XXXX XXXX XXXX. Kickoff XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX for This Demand 1. 15 U.S.C. 1666b ( Timely Posting of Payments ) : Under this statute, creditors are required to ensure the accurate and timely posting of payments and other obligations. A failure to do so constitutes a violation of my consumer rights. I have reason to believe the accounts listed above were not handled in accordance with this law, leading to inaccuracies on my report.

2. 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) : Under this statute, credit reporting agencies are required to conduct a thorough and prompt investigation of disputes raised by consumers. I demand that each account be verified for accuracy, compliance with all legal requirements, and substantiated with proper documentation.

3. 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ) : This statute mandates that information furnishers report accurate and complete information to credit reporting agencies. These accounts must be validated by the furnishers, including proper documentation of their legitimacy. If they can not provide such evidence, the accounts must be deleted immediately.

Specific Demands Verification : Provide complete documentation proving the accuracy and validity of the accounts. This includes signed contracts, payment histories, and any relevant documentation proving the legitimacy of the debts. 
Removal : If the above documentation can not be provided, I demand the immediate removal of these accounts from my credit report as required by law. 
Notification : Notify me in writing of the results of your investigation and any actions taken, within the legally required timeframe. 

Conclusion Failure to comply with these federal statutes and resolve this matter promptly will leave me no choice but to escalate this issue. This may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities or pursuing legal remedies to protect my rights. 

Please consider this letter a formal demand for resolution and remove these accounts without further delay. 

Sincerely,

Company response to consumer: Closed with non-monetary relief