vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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: EQUIFAX, INC.
State: TX

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 prepares a consumer report, it shall reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be in accurate or incomplete or can not be verified the reporting agency shall -- promptly delete the items of information from the file of the consumer, or modify those item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information will be deleted from the file of the consumer. Please remove the following items from credit report, immediately : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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:
I filed several disputes on my account through experian with the Membership ID # XXXX with the creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I learned that experian is notorious for telling consumers that they will not investigate accounts if they have previously investigated and now we see that they never really investigated anything for consumers. I am demanding that this derogatory remark be removed or corrected today! 
I have requested several times to dispute certain items on my credit report with no real investigation taking place. I have items on my report that is preventing me from finding housing and effecting my credit score which doesnt allow me the access to loans, credit cards ect. They denied following up on any of my disputes. Experian has not attempted to remove nor correct any information. Experian violates my rights as a consumer, as well as federal laws.

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 2025-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation Request for Account # XXXX To Whom It May Concern, I am writing in response to your recent communication regarding a debt you claim I owe, associated with account # XXXX for the amount of {$1000.00}. I am exercising my rights under 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ) to request validation of the alleged debt.

Please provide the following : The name and address of the original creditor.

The amount of the debt and a detailed breakdown, including fees, interest, and other charges.

Verification that I am indeed responsible for this debt. 
Copies of any agreements, contracts, or documents that show I agreed to the debt. 

Under the FDCPA, you are required to cease all collection activities until you have provided this validation in writing. Failure to comply with these requirements will constitute a violation of federal law. 

If this debt is found to be invalid, I request that you : Cease any further attempts to collect this debt. 
Remove any negative information related to this debt from my credit report. 

Please respond to this letter in writing and send all correspondence to the address listed above. 

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have consistently made my payments to XXXX XXXX on time and take my financial obligations seriously. However, Experian has reported an inaccurate late payment for XXXX XXXX on my account, which is both unfair and harmful. This false reporting violates 15 USC 1666b ( a ), which states payments can not be treated as late if received within the agreed timeframe. Furthermore, Experian 's failure to verify and accurately report this information constitutes a direct violation of 15 USC 1681e ( b ), which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy, and 15 USC 1681s-2 ( b ), which mandates furnishers to investigate and correct inaccurate information. Experians negligence also violates 15 USC 1681a ( 2 ), as it is obligated to ensure that only accurate and permissible information is reflected on my credit report. By failing to address this error, Experian is in willful noncompliance with 15 USC 1681n, exposing it to liability of {$1000.00} per violation, in addition to punitive damages for knowingly reporting false information. This negligence further breaches 15 USC 1681o, causing me undue stress, financial harm, and damage to my creditworthiness. This false late payment has significantly impacted my ability to secure loans critical for my personal and professional needs, including maintaining financial stability for myself and my family. Despite my flawless payment history, Experians inaccurate reporting is undermining my financial integrity and limiting opportunities. I demand that Experian immediately correct this inaccurate late payment to reflect PAID AS AGREED. If this is not resolved promptly, I will be left with no choice but to pursue legal action under federal law to protect my rights and seek compensation for the harm caused.

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 2025-01-21 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: NC

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 fee fees to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal credit union 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 2025-01-21 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: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC
State: TX

Complaint narrative:
I'm constantly receiving repeated phone calls from Alltran Financial. I have no knowledge of this company, nor have I done business with them, yet they are requesting my consumer report without a permissible cause. Pursuant to 15 USC 1692c 805 of The Fair Debt Collection Practices Act, I demand this company cease all communication with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
I refinanced my home in XXXX of 2024 and sent a check # XXXX from XXXX XXXX XXXX for {$5200.00} to XXXXXXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX and was received on XX/XX/year> Signature was stamped XXXX XXXX XXXXXXXX XXXX  on XXXX post office return receipt. 
Then the account showed that the amount of the check was applied to the balance, then about XXXX weeks later the amount of the check was reapplied to the account. 
I spent over XXXX hours on the computer with XXXX just to find out where the money went, the use Synchrony Bank in XXXX, Pa. 
It would have been better if I could have sent amy personal check to XXXX but I was unable to do it

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 2025-01-21 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: CA

Complaint narrative:
This is not a mistakeI am deeply concerned about the false and inaccurate information on my credit report. These errors are not only frustrating but are also taking a significant toll on my mental and emotional well-being. Its incredibly stressful to see inaccuracies on something as important as my credit report, knowing that these mistakes are negatively impacting my life in multiple ways. I rely on my credit report to reflect accurate information about me, and its disheartening to face challenges caused by these errors.

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the following negative items that continue to appear on my credit report : XXXX XXXX - XXXX - {$9400.00} XXXX XXXX XXXXXXXX - {$4900.00} XXXX XXXX XXXXXXXX - {$6000.00} These items remain unverified despite my repeated attempts to dispute them. I have submitted multiple requests, provided detailed information, and followed all proper procedures, yet no corrective action has been taken. This lack of resolution has caused me significant financial difficulty, and the stress from dealing with this issue has deeply affected my mental and physical health. It is unjust to leave these inaccuracies unaddressed while they negatively impact my life. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and transparent credit report. These unresolved items are a direct violation of my rights, and I request immediate attention to investigate and either verify or remove these negative entries from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: GA

Complaint narrative:
I am writing to file a formal complaint against TransUnion for failing to adequately investigate and remove inaccurate information from my credit report, as required by the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts on my part to resolve this issue directly with TransUnion, the incorrect information remains on my credit report, causing significant harm to my creditworthiness. 
Despite providing documentation and sufficient evidence to prove the inaccuracy, TransUnion failed to conduct a proper investigation within the required XXXX  days and did not correct or remove the incorrect information. This inaccurate information is severely damaging my credit score and affecting my ability to secure credit. As a result, I am suffering from significant financial harm. 

Under the FCRA, I am entitled to a fair and accurate credit report, as well as a timely and reasonable investigation of any disputes raised. TransUnion 's failure to comply with these legal requirements is both frustrating and unlawful. 

I request that the CFPB take immediate action to ensure TransUnion investigates and corrects the erroneous information on my credit report. I also ask that TransUnion be held accountable for their failure to comply with the FCRA.

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 2025-01-21 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: SLM CORPORATION
State: CA

Complaint narrative:
Pursuant to USC - 1691 : It is ILLEGAL to be denied credit. If you are denied credit it is an adverse action and it is UNLAWFUL for any creditor to discriminate against any applicant. 

So in other words the fact that I was provided with an application and asked to submit my social security number, from that instant I was blinded to there contract and they after the fact denied my application. Therefore they are blatantly operating against the law and discriminating against me. And to make matters more interesting they are breaking the law...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX, XXXX. XXXX XXXXXXXX # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and I noticed something are incomplete and accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 e.b 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 A : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: WI

Complaint narrative:
HUNTINGTON BANK FROZE MY ACCOUNT, AND THEY ARE NOT EXPLAINING TO ME WHY. I TOLD THEM : You at XXXXXXXX XXXX I WANT MY ACCOUNT UNFROZEN AND MY MONEY RETURNED, OR I WILL BE HIRING A LAWYER AND FILING A LAWSUIT. I NO LONGER WANT TO DO BUSINESS WITH XXXX. I DON'T NEED YOUR " FDIC '' XXXX  THAT YOU ARE SHOVING IN MY FACE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: WI

Complaint narrative:
I disputed the following accounts through Experian in which Experian failed to Investigate, and or properly verify each account as reporting 100 % accurate : XXXX. XXXX, XXXX. XXXXXXXX XXXX. Experian failed to investigate per my first request for Experian to Investigate my complaint. Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information in my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Protection Financial 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 exactly 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 inactions violated 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 2025-01-21 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: AL

Complaint narrative:
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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I tried calling XXXX customer support. The link I clicked turned out to be a fraud link and phone number. I called the customer service that I believed to be XXXX and it was a scam site and number. I talked to a guy on the phone who led me to believe my ticket wasnt showing as available since I had hacked passwords and they were using my info to get crypto currency to do illegal things with. He had me download the Any desk app and phantom wallet. He guided me randomly through a serious of steps and then got me into my Cashapp and wound up getting me to purchase and send him XXXX. I dont really deal with XXXX  and XXXX so I had no idea what was going on until I was getting ready to get off the phone and then when I asked he hung up. Come to find out, what happened was he was scamming me out of my money in crypto dont couldnt be traced back. He drained my entire bank account. Every penny I had, which was my bill pay money. The company is XXXX  I had to look it up to figure it out. I have the url link to the website of the fake XXXX page as well as the XXXX different phone numbers they had posted. After I used the XXXX number, it went to busy every time after that and then when I went back to the link, it was changed to an XXXX number. I called them and they pretended they never talked to me and then tried to get me to use the anydesk app again. I called them out and they hung up. I called back and they pretended to be XXXX and I called them out again, they got mad and hung up. I called back and it was that first guy again, but calling himself a different name. We argued and I hung up and called back, only to speak to a woman on the phone. This is a scam and fraud company tricking people into sending them XXXX. I have gone back and forth with cash app to try and get my money back, but they refuse to let me speak to a manager or fraud dept. on the phone. Their manager emailed me back and refused to refund my money. I went back and forth with them since the XXXX and they keep giving me the runaround, avoiding even trying to help and refusing to refund my money. They keep telling me they are closing the case and if I have new info, please provide it. I provide new info and they pretend they never received it and close the case again. They are 100 % refusing to help me get my money back. I have already filed a police report, contacted the BBB, I have filed a complaint of fraud with the FTC, FBI, SEC and my state attorney general, but so far nothing has been done. This was all of my money I desperately need. I am a XXXXXXXX XXXX with kids, child support, bills and I recently lost my job and now Im on the verge of losing everything due to this scammer. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I received an email from XXXX, saying my account was restricted due to unusual activity. What usual activity? I am a student who funds my own portfolio with my hard earned money. Mind you I have never had more than {$1900.00} in my account. Now when I try to withdraw my money they will not let me do so. This is the biggest scam I have ever seen in my life, they are letting me deposit money into my account but are basically holding it and not letting me use my account for absolutely no reason this is ridiculous. They are deducting money from MY bank account but won't even let me withdraw it that doesn't even make sense.

Company response to consumer: Closed with explanation