vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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:
XXXX XXXX XXXX XXXX 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 Subject : Dispute of Reporting under 15 U.S.C. 1681o Dear Cfpd, I hope this letter finds you well. I am writing to formally dispute the inaccurate or incomplete reporting of my account on all three credit bureaus as it relates to XXXX XXXXXXXX XXXX XXXX Based on the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, I believe there has been willful noncompliance on your part, and I would appreciate your prompt attention to this matter. 

Details of the Dispute : 1. Account Name : XXXX XXXX with XXXX XXXXXXXX XXXX XXXX 2. Description of Discrepancy : I have reached out to XXXX XXXX directly as well & expressed this issue regarding the account stating it is Potentially negative & closed due to 60 days past due which is incorrect on my credit history! 
3. Date of Occurrence : XX/XX/XXXX - XX/XX/XXXX Under the Fair Credit Reporting Act, as stated in 15 U.S.C. 1681o, I am entitled to seek damages for any willful noncompliance by a credit reporting entity, and it is my belief that the reporting of this information has been done in a manner that is inconsistent with the provisions of the law. 

I respectfully request that you investigate this issue and correct any inaccuracies or misstatements related to my account, including providing confirmation of the corrections made. Please send me written confirmation once the necessary adjustments have been made. 

Furthermore, I request that any erroneous entries or information related to this dispute be deleted from my credit file to prevent any future adverse impact on my credit score and financial reputation. 

Please inform me within 30 days of receipt of this letter regarding the status of your investigation and the resolution of this matter. I expect a detailed explanation of any corrections made to my credit report as a result of your investigation. 

If this matter is not resolved satisfactorily, I may pursue further legal actions to enforce my rights under the Fair Credit Reporting Act. 

Thank you for your prompt attention to this issue. I look forward to your response and resolution. 

Sincerely, XXXX XXXX Enclosures : Copy of Credit Report showing the disputed item ( s )

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 2025-01-25 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX 's management team emailed to advise me that meet-and-greet opportunity packages are available. So I was willing to work with XXXX XXXX over the last four months hoping to meet the expenses of the XXXX package quoted in the application emailed to me, costing {$1200.00}. After meeting my {$1200.00} obligation to a XXXX package, XXXX XXXX, using XXXX texted me requesting a {$320.00} processing fee on XX/XX/XXXX. By the end of XX/XX/XXXX, I was confronted by hackers on XXXX saying they were an official booking management from XXXX and went by the email XXXX. The first week in XX/XX/XXXX XXXX XXXX asked me to video call him on XXXX, using his number. XXXX XXXX texted me, again on XXXX requesting a delivery fee of {$1000.00}, then lowered it to {$700.00}, texting him it was too much in delivery fees. That's when I decided to text XXXX XXXX on XXXX XXXX XXXX XXXX username was XXXX, quoted me {$200.00} for XXXX  delivery using FedEx. XXXX XXXX quoted another {$600.00} in gift cards to have the XXXX XXXX XXXX membership card sent. The {$200.00} XXXX delivery and {$600.00} gift cards were worked through XXXXXXXX XXXX with the help of XXXX XXXX. That's when confusion between me and XXXX XXXX on XXXX  began, XXXX XXXX texted me questions about why I was submitting gift cards to XXXX XXXX, and he texted me about XXXX XXXX scamming me. I text XXXX XXXX about this on XX/XX/XXXX asking him for a {$2300.00} refund. I now do not trust XXXX XXXX, and curious if he is indeed a mail thief through XXXX, for the non-delivery of the XXXX XXXX XXXX XXXX XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: OK

Complaint narrative:
Navy Federal Credit Union charged me overdraft fees that werent warranted. I would make purchases with my accounts showing enough money to cover the transaction, the Navy Federal still charged them overdraft fees if the account had a negative balance once the purchase posted to the account, sometimes days later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: CA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX XXXX  XXXX - {$3800.00} XXXX XXXX XXXXXXXX XXXX - {$4900.00} XXXX XXXX XXXXXXXX XXXX - {$2200.00} XXXX XXXX  XXXX XXXX - {$2300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
XXXX XXXX I am to formally express my concerns regarding Zelles 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/2025 Consumer Financial Protection Bureau Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

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 2025-01-25 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/year>2025 Consumer Financial Protection Bureau Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Using XXXX XXXX  with my navy federal card and also XXXX XXXX card through my digital wallet it would allow me to tap and pay and the money comes off the card Immediately and thats for both branches later on that night or the next day the money will come back on my card like I havent used any money and then when I used more money, the money that I previously used through the digital wallet would now be taken off my card along with the new purchases, which would overdraft my account and it does it every time so I chose to stop using XXXX XXXX  with Navy Federal and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. I received a collection on my credit report on both XXXX and XXXX XXXX in XXXX of XXXX from XXXX XXXX XXXX ( Comenity Capital Bank ) for {$610.00}, allegedly from XX/XX/XXXX. I am unaware of this account and do not understand as to why it took 3 years to come about and ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am writing to file a formal complaint against Navy Federal Credit Union regarding the handling of my Used Vehicle Loan Account ending in XXXX. I recently received a copy B of IRS Form 1099-C for the loan, which shows that the debt in the amount of {$33000.00} has been discharged, canceled, or forgiven. According to this IRS form, the discharged amount is considered income for tax purposes. 

However, despite this discharge, Navy Federal Credit Union is still reporting the full amount of the loan as outstanding on my credit report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, this constitutes : Failure to Report Accurate Information ( FCRA 1681e ( b ) ) : Navy Federal Credit Union is continuing to report the discharged loan balance as outstanding, which is inaccurate. According to the IRS Form 1099-C, the debt is no longer owed, and this error on my credit report is a direct violation of the requirement for furnishers of information to report accurate and complete data.

Inaccurate Reporting of Debt ( FCRA 1681s-2 ( a ) ( 1 ) ( A ) ) : Under the FCRA, Navy Federal is obligated to ensure that the information they report to credit reporting agencies is accurate. By reporting the loan as still outstanding when it has been canceled, they are failing in this duty and causing damage to my credit profile. 
Failure to Correct Inaccurate Information ( FCRA 1681i ) : I have made reasonable efforts to resolve this issue, but Navy Federal has not taken steps to correct the inaccurate reporting, even though they are aware of the debt cancellation as evidenced by the IRS Form 1099-C .

I request that the CFPB assist me in addressing this issue with Navy Federal Credit Union. The inaccurate reporting of this discharged debt is negatively impacting my credit, and I have made attempts to resolve the situation directly with Navy Federal, but have not received an adequate response.

Please investigate this matter and take appropriate action to ensure that Navy Federal Credit Union complies with all relevant consumer protection laws, including the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: NH

Complaint narrative:
recently reviewed a copy of my credit report and discovered that I have fraudulent accounts open, which is hurting my ability to get new credit. this is against the law I would like this account to be deleted from my credit. please delete this fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: NH

Complaint narrative:
recently reviewed a copy of my credit report and discovered that I have fraudulent accounts open, which is hurting my ability to get new credit. this is against the law I would like this account to be deleted from my credit. please delete this fraudulent account.

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 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Hello Portfolio Recovery Associates , LLC. I am contacting you about an alleged debt ending in XXXX you are attempting to collect. You contacted me via email to identify alleged debt. Cease and Desist all contact via email and phone from here on out. 

Please supply the information below via CFPB attachment so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

As well as the contract/agreement with signatures of ALL parties involved ( The creditor, Portfolio Recovery Associates , LLC, and alleged debt owner ). 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement created my requirement to pay? 

If you are asking that I pay a debt that somebody else is or was to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt : including : A copy of the last billing statement sent to me by the origional creditor. 
State the amount of the debt when you obtained it, and when that was.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ZWICKER & ASSOCIATES
State: NJ

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX Call from this number asking me to verify information involving a personal matter. Asked for Name, Address and Social Security number. They refused to verify who they were or what their personal matters entailed.

XXXX XXXX XXXX XXXX Call from this number asking me to verify information again while they refuse to verify who they are XXXX Called demanding I verify information. They did not identify themselves even after I asked who they were. Just that this was a private matter and they needed to verify my info. I refused XXXX XXXX Call from this number asking me to verify information while they refuse to verify who they are.

Caller hung up on me after I refused to verify any info I called back and spoke with a lady where I told them to cease and desist any calls and to put any issues in writing. Said she would remove my number. Refuse to verify who they were or what they were calling for.

Company response to consumer: Closed with explanation