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: 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: CA

Complaint narrative:
Credit Bureau 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 ( XXXX ) 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. The failures align with my experience with XXXX, XXXX, and TransUnion where these bureaus has neither corrected nor removed disputed items despite evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, and the credit bureaus inaction violates federal law and my rights as a consumer. In addition, per USC 1681i ( a ) ( 7 ), I demand a description of the procedures utilized by the credit bureaus to investigate my disputes. All three agencies keep coming back saying they have verified my accounts with XXXX XXXX, when I have submitted documentation from XXXX XXXX showing they are not reporting the XXXX  account at all. In addition, I have submitted proof that the XXXX XXXX  XXXX does not report any information to any credit agency as well. I have even had the credit bureaus state they can not verify my identity. I am attaching identity verification to eliminate this excuse.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
Credit Bureau 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 ( XXXX ) 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. The failures align with my experience with XXXX, Equifax, and XXXX where these bureaus has neither corrected nor removed disputed items despite evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, and the credit bureaus inaction violates federal law and my rights as a consumer. In addition, per USC 1681i ( a ) ( 7 ), I demand a description of the procedures utilized by the credit bureaus to investigate my disputes. All three agencies keep coming back saying they have verified my accounts with XXXX XXXX, when I have submitted documentation from XXXX XXXX showing they are not reporting the XXXX  account at all. In addition, I have submitted proof that the XXXX XXXX  XXXX does not report any information to any credit agency as well. I have even had the credit bureaus state they can not verify my identity. I am attaching identity verification to eliminate this excuse.

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: GA

Complaint narrative:
I am filling a complain against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specify, 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 resolutions requirements under the electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I see appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HKM and Associates
State: CA

Complaint narrative:
On XX/XX/year> I received a call from ( XXXX ) XXXX stating that they were a process server trying to serve me with important documents regarding a judgement, I called the number they provided ( XXXX ) XXXX who said they were the mediator between me and the plaintiff who they said was original Buckle but is now XXXX XXXX bank ( not community ) this was the first credit card I ever had over XXXX years ago for the amount of about {$XXXX} and they claimed it was {$XXXX} and including all court fees and interest they were asking me for {$XXXX} to resolve this judgement out of court. I offered to pay the amount of the original debt and they declined my offer and said they are taking me to court. I could not find any information on this company Im not even sure if its real.

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 recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
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: TX

Complaint narrative:
I am filing a complaint regarding multiple overdraft fees applied to my account. Despite having sufficient funds at the time the transactions were authorized, I was charged overdraft fees

due to delays in the posting of charges and credits. This situation mirrors the recent findings by the CFPB regarding Navy Federal 's practices, where overdraft fees were assessed on transactions that settled with insufficient balances, even though funds were available when the transactions were initiated. I believe these practices are unfair and respectfully request an investigation into my account and the specific transactions in
question

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: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: NY

Complaint narrative:
My degree is not recognized by no other colleges I was unable to get a job for XXXX  years nobody recognized XXXX as a credited school. My XXXX XXXX is not accepted by no jobs or schools I have to start over mean while I have student loans debts no one to talk to the school.was shut down for fraud and it's nit fair to me at all. I graduated XXXX  and have this holding over my head.

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: Early Warning Services, LLC
State: NV

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. 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: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
I opened a case with Citi XXXX XXXX team with Citi XXXX XXXX : XXXX. 

My checking account was closed automatically on XX/XX/XXXX by Citibank, and the account had a balance of {$XXXX} at the time of closure, but the closure check issued on XX/XX/XXXX was only {$XXXX}. The remaining balance of {$XXXX} was not included in the closure check, and Citibank stated that the funds were received via a direct deposit in someone elses name. After speaking to a Citibank XXXX XXXX team member, she confirmed that it was a XXXX deposit with my preferred name ( XXXX XXXX XXXX and asked me to request a recall or submit a claim through XXXX to retrieve my funds. 

I initiated a dispute through XXXX on XX/XX/XXXX, but XXXX rejected my claim saying that the transaction ( fund transfer ) was processed correctly. I re-appealed the dispute on XX/XX/XXXX, and they finalized their decision today on XX/XX/XXXX that the funds were successfully sent to the account. I spoke to another XXXX live agent on the same day, and he told me that Citibank has the funds and should issue me the remaining funds, as XXXX is not able to retrieve any funds once a transfer is completed on their end. XXXX could only cancel a transfer if the money hasn't left XXXX 's system. 

The following is the details that XXXX shared with me to hope I can successfully claim the funds : Trace number : XXXX Transaction details : Transfer to Bank ending in XXXX for {$XXXX} on XX/XX/XXXX Displayed name : XXXX XXXX XXXX : @ XXXX Legal name : XXXX XXXX XXXX XXXX : XXXX Citibank currently has my funds of {$XXXX} and I have exhausted all my options in claiming the funds back. I understand that my preferred name does not match my legal name, but XXXX has successfully transferred the funds to Citibank and they are not able to claim it back on my behalf. Citibank is currently holding my funds and must issue me the remaining funds.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I contacted Experian on XX/XX/year> and initiated a temporary thaw of my credit report freeze ( date of thaw was XXXX ). I successfully accessed their website and it correctly displayed my request. However, when XXXX separate organizations requested a credit report they denied the request. 

I called Experian on XX/XX/year> and attempted to navigate their prerecorded solutions with no success. I then called several Experian numbers gleaned from the internet and finally spoke to a representative. The representative kept me on the line for XXXX mins while he attempted to resolve, but then disconnected prior to a resolution. I attempted several more times, but could only reach the prerecorded system. 

The XXXX vendors are still unable to access my credit report, and it is causing delays in my mortgage and utilities ability to process my requests. 

In researching today, I additionally discovered that because the XXXX organizations made several attempts to obtain my credit reportit has negatively impacted my XXXX XXXX, which has been exemplary ( previous score of XXXX ). 

I am requesting that you intervene as soon as possible, so Experian can resolve quickly. 

Please advise. 

Warmly, 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OR

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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lendmark Financial Services
State: FL

Complaint narrative:
To whom it may concern, I am writing to dispute the accuracy of certain collection accounts that have been reported on my credit report. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. to request the IMMEDIATE REMOVAL of these accounts from my credit file due to the failure of the collection agencies to validate the debt as required by law. 1. Failure to Validate Debt Under the FDCPA, specifically 15 U.S.C. 1692g, I requested debt validation from the collection agency for these accounts. As of today, I have not received any documentation or evidence that proves I owe the alleged debt or that the collection agency has the legal right to collect on it. Without proper validation of the debt, the collection agency can not legally report this account to the credit bureaus. 2. Inaccurate Reporting under the FCRA Under the FCRA, specifically 15 U.S.C. 1681i, all information reported to the credit bureaus must be accurate and verifiable. Since the collection agency has failed to provide proof of the debt 's validity, it is my position that this information is inaccurate and should be removed from my credit report. 3. Violation of Consumer Protection Laws By failing to validate the debt within the time frame allowed under the FDCPA, the collection agency has violated my consumer rights. I am requesting that the credit bureaus investigate this matter and remove the collection accounts from my credit report as these debts are unsubstantiated. Action Requested : I request that you immediately investigate the disputed collection accounts under the FCRA. If the collection agency fails to provide proper validation of the debt, I request that these accounts be permanently removed from my credit report. I also request that you provide me with written verification of the outcome of your investigation, as required by law. Please be aware that under the FCRA, you are required to complete an investigation within 30 days and provide me with the results in writing. If the collection agencies can not validate the debt or substantiate the accuracy of the reported information, I ask that these collection accounts be REMOVE from my credit file.

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I filled a complaint and launched an investigation with Experian on the XXXX XX/XX/year> demanding the company provide proof of debt validity as this matter is before the Supreme Court of XXXXXXXX XXXX XXXX, has not been decided, therefore no debt exists. I provided a copy of the court documents and XXXX  days later Experian decides this matter for the Courts and validates this debt. UNBELIEVABLE

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
Today Date XX/XX/XXXX Delete accounts listed below for violation of 15 USC 168|l e ( b ) of the fair credit reporting act. 
Account Name OppLoans Account Number XXXX * The open date XX/XX/XXXX and last active date XX/XX/XXXX are inaccurate and fail to meet the standard of maximum possible accuracy mandated by 15 USC 1681e ( b ). 

* Action Requested : Delete this account immediately due to non-compliance with the FCRA.

Company response to consumer: Closed with explanation
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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was told that consolidating to navient was better to put them all together ( consolidate ) and go with them then XXXX XXXX, then I was constantly in forebarence. Now they have changed hands a few times. I dont know what to do.

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 information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I recently reviewed a copy of my Experian consumer report that listed a balance with XXXX with all my student loans XXXX Account # XXXX. This information is not correct because this debt has been officially canceled per IRS acceptance and declaration of rights order that all debt are forgiven. See Attached. All of these account ( XXXX ) should reflect as paid in full. 

Regarding the XXXX courts have ruled that this information return along with an additional identifiable event establishes a discharge. See In re XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. Here you have public record XXXX which is a order and language as it pertains debts involving the taxpayer. See Attached. See Claim of Title ( 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: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
I leased a XXXX XXXX and Bethpage was the finance company. 
in XX/XX/XXXX the lease ended. I was instructed to return the vehicle to XXXX XXXX XXXX XXXX XXXX ( XXXX ). The vehicle was picked up and XXXX informed me that I had a {$XXXX} balance. I continued to receive mail from Bethpage CU which showed that I had an active savings account with funds in it. No mention of any outstanding balance On XX/XX/XXXX I called to close out my checking account and have the remaining funds sent to my home address. 
I was told by the Bethpage rep that they could not close the account because of an open balance on the lease account. 
I was told by the Bethpage rep that my account was overdue and accruing interest since XXXX. 
I was told I could not make a payment over the phone but had to wire funds into Bethpage I was told the outstanding was {$XXXX} XXXX explained that these numbers made XXXX sense, but I want to close out the account and file a dispute after. 
I wired into my Bethpage savings account enough funds to complete the {$XXXX} due. I called back to make a payment. 
I was told by the Bethpage rep that they could not close the account because I owed {$XXXX}. 
I paid this amount over the phone with my checking account information from XXXX. 

Bethpage engages in deceptive practices to ensure that overdue balances are not disclosed in order to rack up fees and interest. 
The entire return process with XXXX  is to hide the responsible party Bethpage CU.

The XXXX reps tell consumers {$XXXX} balance due. Bethpage send out notices of bank account information but nothing connected to the auto lease. 
Bethpage Reps contradict each other with endless calculations and numbers that move all over the place.

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: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Gurstel Law Firm, P.C.
State: IA

Complaint narrative:
I opened a secured credit card with XXXX beginning of XXXX with a credit limit of {$1000.00}. In XXXX I requested a credit increase to {$2000.00} and was denied. Now, my account has been sold to a third party who is claiming I owe over {$2300.00} on the card. Over 50 % of the original limit on said card.

Company response to consumer: Closed with explanation