vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I identified errors that do not align with my financial history. These inaccuracies have caused undue harm to my creditworthiness, and I believe they stem from negligent noncompliance with your duties under the FCRA. 

Specifically, collection agencies XXXX XXXX XXXX, Transworld Systems XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  are inaccurate for the following reasons : he debt does not belong to me or has been paid in full also missing documentation from the furnisher of the information, incomplete investigation, etc. 
Pursuant to 5 U.S. Code 1681o, you are liable for damages caused by negligent noncompliance if the errors in my credit report result from your failure to take reasonable steps to ensure the accuracy of the information provided. I believe this applies to my case because no information has been furnished to me proving the accuracy of reporting follwing request.

To resolve this matter, I am requesting the following : That you conduct a full investigation into the disputed items, as required under the FCRA. 
That you correct or remove the inaccurate information from my credit report. 
That you provide me with a written confirmation of the results of your investigation and any corrections made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I identified errors that do not align with my financial history. These inaccuracies have caused undue harm to my creditworthiness, and I believe they stem from negligent noncompliance with your duties under the FCRA. 

Specifically, collection agencies XXXX XXXX XXXX, XXXX XXXX DEBT RECOVERY SOLUTI, XXXX XXXXXXXX XXXX are inaccurate for the following reasons : he debt does not belong to me or has been paid in full also missing documentation from the furnisher of the information, incomplete investigation, etc. 
Pursuant to 5 U.S. Code 1681o, you are liable for damages caused by negligent noncompliance if the errors in my credit report result from your failure to take reasonable steps to ensure the accuracy of the information provided. I believe this applies to my case because no information has been furnished to me proving the accuracy of reporting follwing request.

To resolve this matter, I am requesting the following : That you conduct a full investigation into the disputed items, as required under the FCRA. 
That you correct or remove the inaccurate information from my credit report. 
That you provide me with a written confirmation of the results of your investigation and any corrections made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: UT

Complaint narrative:
I came across the CFPB XXXX Lawsuit. 

I feel I was negatively impacted by Equifax, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were VERIFIED. 
But I dont see any details about your investigation. 
Do you want to be fined too? 
Come with the receipts or be quick to delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: GA

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. 

These are the accounts I want removed : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

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 2025-01-27 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: CA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this account was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
My HSBC credit card ending in XXXX was fully paid off on XX/XX/XXXX, and the account still has XXXX points valued at {$3200.00}. However, as of today, the account is still under review. I called customer service two weeks ago, but they refused to provide any details or an estimated resolution time. Im planning to use the card for my upcoming trip, but its still inaccessible, despite the high annual fee Im paying. They promised that a specialist would call me back to resolve the issue, but Ive heard nothing since.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IN

Complaint narrative:
I have no acknowledgment of this debt. I would like for them to stop reporting on my credit profile

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: NJ

Complaint narrative:
Transunion has failed to fulfill their legal obligation under the fair reporting act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. These failures align with my experience. Transunion 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 account accounts as Transunion inaction violates federal law and my rights as consumer. Listed Below are disputed account with Transunion that are a result of ID theft I have provided Transunion with supporting documentation and they have failed to remove disputed accounts. 

1. XXXX XXXX XXXX XXXX ( XXXX ) Closed Charged-OFF Balance {$2300.00}

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 2025-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I got a loan on XXXX XXXX XXXX on XX/XX/XXXX almost {$28000.00} I put down {$4500.00} my last payment was XX/XX/XXXX and credit accepted is still saying I own. {$23000.00} still And my payment for the vehicle was {$440.00} a month I started paying {$500.00} a month I dont understand how credit accepted saying I still own {$23000.00}

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 2025-01-27 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am sending correspondence to make a complaint against the adverse credit reporting from Midland Credit Managment, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX and XXXX for the consumer account opened on XXXX. Pursuant to the Consumer Credit Protection Act under TITLE VICONSUMER CREDIT REPORTING, Sec. 603. [ 15 U.S.C. 1681a ] The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. According to Sec. 604. [ 15 U.S.C. 1681b ] ( a ) of the Consumer credit protection actSubject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments ; the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; the person has provided at least 10 days prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: AL

Complaint narrative:
Im writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred dispite having sufficient funds when the transaction were authorized I wa charged fees due to lag posting of charges and credits this issue aligns with the CFCB findings against navy federal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
XXXX XXXX XXXXXXXX I am writing to file a complaint regarding the validation of a debt on my consumer credit report. I've received several calls which I've requested several times to be removed from the call list. This company calls and requests information about me without even validating who they are or what they are calling about. Despite multiple attempts to seek proof of validation, your company has failed to provide any evidence regarding a debt that does not belong to me. Furthermore, you have furnished this alleged debt on my consumer report and failed to validate the claim pursuant to Sec. 809 ( b ) of the Fair Debt Collection Practices Act. As a consumer, I have a right to privacy and protection from inaccurate reporting on my credit report. Your company 's actions have not only violated my right to privacy but also the permissible purpose of providing accurate information to consumer reporting agencies. According to 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demand that these items be removed from my credit report immediately as it is furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, reputation, general mode of living, and my ability to obtain credit for personal and house purposes. Your inaccurate reporting has also damaged my livelihood. According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, furnishers have a duty to provide accurate information. 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. I respectfully request that your offices provide me with your purchase agreement for this debt and any competent evidence that I have any legal obligation to pay you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I refunded a XXXX XXXX  purchase from Apple with their Apple card by Goldman Sachs. It was purchased with a 12 month installment with them, I already had an ongoing installment for XXXX  XXXX  with them. I wanted to pay off the card as early as possible because of why I was making more payments every month ( also paid off XXXX month of XXXX pro before returning it ), some of the refunds went towards total card balance, some of them went to total available balance and what not. It's so confusing to me as a XXXX XXXX student, I have no idea how others would do in the same case. 

Details : I bought a XXXX XXXX on XX/XX/XXXX ( {$3100.00} ) and was charged for the tax along with it ( {$300.00} ), they sent their 3 % cash back on their Apple cash account ( {$95.00} ), and I returned the XXXX XXXX on XX/XX/XXXX and they refunded the tax charged ( {$300.00} ) and the total amount ( {$3100.00} ) while charging me for the daily cash they gave me ( {$95.00} ) on my Apple card, since they gave that to me when I got the XXXX. The statement for XX/XX/XXXX say that on XX/XX/XXXX, I got dispute credits for {$360.00}. 

During mid XXXX, I opened up a dispute since the total available balance on my card wasn't matching with the available balance and total payments made, it was such a mess for me to understand, had to make a lot of calls to Goldman sachs apple card support team, and they opened a case for me on XXXX XXXX, XXXX ( I have an email confirmation for this ) Still no reply for the same case on what happened, as of XX/XX/XXXX. And today when I checked my statement, Goldman Sachs or Apple, they have charged me on my Apple card for the same amount on or around XXXX XXXX, XXXX - {$360.00} ( according to the Goldman sachs Apple card support ) ( I have no way to check the transactions made on my XXXX  device since I stopped using an XXXX or XXXX, it's that bad for consumers ). What credits did they gave me on XX/XX/XXXX? What is the resolution of my dispute made? Why was I charged back on/around XXXX XXXX, XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: AL

Complaint narrative:
Its reporting on all three credit bureaus! I never been late not have any collections

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 2025-01-27 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 Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. From a loyal customers perspective this expresses a lack of accountability and transparency and is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properiy 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. XXXX ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: WA

Complaint narrative:
Used my information unlawfully. 
Restarted old accounts that should have been removed. 
Did not remove old creditors that are passed the deadline for removal.

Company response to consumer: Closed with explanation