vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This morning, I discovered that incorrect accounts have appeared on my credit report, and I have no idea how they got there. I regularly check my credit report, but this time I noticed unexpected discrepancies. I even tried refreshing my browser to see if it was just a technical glitch, but the inaccurate accounts remained. Due to this issue, I kindly request a thorough review of the documents I have submitted to ensure I wont have to worry about this in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light 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 were infeasible. The CFPBs 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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: TX

Complaint narrative:
IN RESPONSE TO XXXX REPORT NUMBER : XXXX INVESTIGATION ID : XXXX I disputed several items on my credit report. XXXX XXXX XXXX XXXX account has not been updated to reflect the satisfied judgment. My attorney helped me reach an agreement with XXXX XXXX, attorney for Crown Asset Management, on behalf of XXXX XXXX. The judgment was paid in full, but the tradelines on all three credit bureau sites are not reflecting the payment and still reporting as if nothing has been done on the account. 

As a hard-working citizen willing to right a wrong, it is imperative that my credit report show that I fulfilled my commitment by paying the agreement as requested. The money received was contingent upon the agreement to release the judgment, and the credit report should reflect that the judgment was satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
IN RESPONSE TO XXXX REPORT NUMBER : XXXX INVESTIGATION ID : XXXX I disputed several items on my credit report. Comenity XXXX XXXX XXXX account has not been updated to reflect the satisfied judgment. My attorney helped me reach an agreement with XXXX XXXX, attorney for XXXX XXXX XXXX, on behalf of Comenity Bank. The judgment was paid in full, but the tradelines on all three credit bureau sites are not reflecting the payment and still reporting as if nothing has been done on the account. 

As a hard-working citizen willing to right a wrong, it is imperative that my credit report show that I fulfilled my commitment by paying the agreement as requested. The money received was contingent upon the agreement to release the judgment, and the credit report should reflect that the judgment was satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( insert date Always add month and year ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
Please remove from my credit report. This company is currently being sued by The federal trade commission for false reporting erroneously reported fees non refundable security deposits trash fees utilities fees and a lot of other rental amounts. I do not owe this company any money. I have contacted them for over a year several times. Just yesterday they advised that they have no information about what is being reported. They also stated that I need to reach back out again they dont know what to do and dont have the information. I have tried to speak to them to get this resolved but been unable too including exborating rates

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/year> am between XXXX XXXX  Chase branch was closed and card reader did not open door for atm use. Across the street Chase has a drive thru. I entered drive thru atm closest to the street. 

Entered card info and started a cash deposit. {$1800.00} was inserted into cash slot. At first the machine did not react to the cash. I had to keep my hands on the cash for a few seconds before it accepted it. It then closed but no sound for a few seconds. 

A message appeared on the now dark screen stating the machine is down and we needed to call the number displayed to make sure that the deposit was recorded. 

The bank is closed so I called the number and eventually got to the Claims department. Explained what happened and gave them exact time stamp. 

The original call to Chase claims would have all recorded audio to match camera,, timestamps of activity. I stayed parked in the atm slot for the duration of the call almost 38 minutes and-after to ensure. Noone else used machine assuming Chase would send someone.

Claim was entered and cash was reimbursed to account. 
I received a message from Chase claims stating only {$1000.00} was recovered and a total of {$800.00} would be debited.

Nothing Chase has said concerning claim makes any sense from an accounting perspective. They questioned what bills I deposited. The amount debited does not even match what I deposited. Only {$100.00} and {$20.00} bills were-deposited in the machine. Accounts will be closed once concluded. Currently carry a business checking and personal checking with Chase. I can no longer trust this company with my hard earned money with what seems like zero recourse for faulty equipment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
I have for several years been filing written complaints. And I do have case numbers for them, however, now, I believe that I may have been a victim of the XXXX and Experian and their failure or lack of actually completing any investigations that I requested. 
EX:1 My student loans showed XXXX balance XXXX accounts. The credit reporting agency 's never removed the {$45000.00} balance/ total that was zeroed out ; causing me to be denied credit in many situations for being heavy in debt. 
If I have been approved for credit, I have had to accept much higher interest rates just XXXX receive credit. 
EX:2 when I purchased my car in XX/XX/year>. I had to pay 21 % on installment debt, to be able to finance my car. 
Based on what my credit report reflects, it looks as if I'm {$77.00}, XXXX in debt. When XXXX, XXXX is student loan balances that were zeroed out or deleted but in all actuality, I now know that the credit agencies never really conducted any investigation or updates. 
I would like nothing more than to have the inaccurate and very large balance be removed from my credit reports as it continues to a negative impact on my livelihood and financial health. 
Thank you for your time. I appreciate your public notification of a potential break down consumer services with the credit agencies. 
Respectfully 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 2025-01-22 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: CT

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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:
XXXX 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 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 violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: OH

Complaint narrative:
I have disputed an account with TRANSUNION as fraud, sent certified letter, uploaded to their server, and followed all their polices for fraudulent and inaccurate info. They will not remove the information and they won't do anything except send me in circles. They are violating my consumer rights and they are failing to provide accurate information on my report which is keeping me from purchasing a home or obtaining credit. This is the worst experience I have ever dealt with. It's been over 30 days and no response.

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 2025-01-22 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

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
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I dispute some information on my report and a lot of the information wasnt mines or it was wrong information and they either put it back on there or never removed it. 
These companies have been taking advantage of my credit for too long 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 I never had a bankruptcy on my credit and its not mines I been explaining that

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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:
I request validation of the debt and was send copy of bills and stated that it was debts was valid. These negative items been dispute in past and always the same result

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 2025-01-22 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:
I request validation of the debt and was send copy of bills and stated that it was debts was valid. These negative items been dispute in past and always the same result

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 2025-01-22 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: KY

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NJ

Complaint narrative:
I was previously serviced by XXXX. I was on auto-pay at all times up until the COVID-19 repayment pause. During the COVID-19 repayment pause, the loans were transferred to MOHELA to be serviced. My auto-pay history shows payments in Between XX/XX/XXXX and XX/XX/XXXX, every month like clockwork. But for some reason MOHELA removed me from Autopay thereafter. As soon as the repayment pause stopped, I signed back up for Auto-pay, which continued until I was notified on XX/XX/XXXX, that the repayment scheduled had changed, and again I made sure that auto-pay was scheduled for the next payment date, to begin on XX/XX/XXXX. For whatever reason, Mohela did not auto-debit my account and I received a delinquency notice on XX/XX/XXXX, at which time I paid not only the arrearage but also the next payment and against signed up for Auto-Pay. Again on XX/XX/XXXX, I got a delinquency notice, at which time I again paid the overdue amount and again. This one was especially difficult to take care of since the website wouldn't even allow me to make a payment because it says all payments current. I asked for them to contact me and no one did. I paid XXXX 's on XX/XX/XXXX after getting a past-due notice because Mohela again failed to auto-debit in on the XXXX, and made another complaint on XX/XX/XXXX. On XX/XX/XXXX I got a message saying that they had tried to reach me which is inaccurate. I am still waiting on contact from anyone at MOHELA. I call, but the wait time when I call is always over 2.5 hours. Every time the auto-pay doesn't take, I go online and resubmit the auto-pay information, it says that I am all set and the account will be auto-debited, and then it is not. This has been going on every month since inception and I can not get anyone on the phone. I keep getting messages that says I have missed a payment, and now I am advised that my credit score will be impacted - and it is apparent that I am not receiving credit for the interest reduction associated with being on auto-pay. The most recent instance has occurred on XX/XX/XXXX. Again, no auto-debit, causing my loans to be labeled as past due. So i just made a payment manually, again. And because they are past due, I can not just pay XXXX 's amount ( approx. XXXX ), it makes me pay all amounts due for XXXX and XX/XX/XXXX ( because I can not auto-allocate payments ) and this is very difficult because I am unemployed at the moment. Now the amounts of the auto-debit authorization DIFFER from my repayment plan ( as they now want {$1000.00} per month. My loan repayment should be {$81000.00} until at least XXXX according to the XX/XX/XXXX notice of change to my repayment plan ( which I did not request and MOHELA did unilaterally. ). PLEASE HELP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: FL

Complaint narrative:
I request the immediate removal of the unauthorized accounts from my credit report. I did not authorize or create these accounts and have no knowledge of their origins. As outlined in USC 1681g, I am formally requesting their removal within 15 days. Enclosed are the relevant documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Its incredibly frustrating and overwhelming to discover a debt on my credit report that I know nothing aboutunverified and clearly not mine. To make matters worse, Ive been bombarded with harassing calls and messages, often accompanied by threats of legal action. This has been an unbearable invasion of my peace and rights as a law-abiding citizen. The emotional toll has been significant, affecting my mental health and causing sleepless nights. Its insulting and disheartening to have my consumer rights so blatantly disregarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) 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. These 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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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