vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 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: DC

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 follow 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 inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX {$2100.00} XXXXXXXX XXXX Account number XXXX Original creditor - Company sold - Account type Credit card Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$2100.00} written off. {$2100.00} past due as of XX/XX/XXXX. 

XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX Status Collection account. {$29000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I co-signed a car for my ex and he then got it reposed I didnt have no warnings or idea that he was behind on his payments. Also the current account with the XXXXXXXX XXXX I had a wreck when I was I pregnant, the car is supposed to get fixed someone hit me and the car is still at the tow yard still! Im no longer driving it and I have no clue if it could be fixed and also dont know if would be totaled

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 2025-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am experiencing a persistent technical issue with Capital One 's Venture X credit card that prevents me from transferring my rewards points to airline partners, specifically XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Despite having valid membership accounts with both airlines that work successfully with other credit card programs ( XXXX XXXX and XXXX ), Capital One 's system consistently returns error messages claiming my membership information is invalid. 
I made multiple transfer attempts throughout late XX/XX/XXXX and XX/XX/XXXX, all of which failed with error messages stating my information was invalid. I contacted Capital One customer support on multiple occasions in XX/XX/XXXX to resolve this issue. On XX/XX/XXXX, I sent a detailed email to Capital One with supporting documentation, including screenshots of my airline loyalty accounts and the error messages, demonstrating that my account information is correct. To date, I have received no meaningful assistance or resolution. 
This situation effectively renders one of the card 's primary advertised features- the ability to transfer points to travel partners- unusable. As this is a key feature prominently marketed by Capital One for the XXXX X card and factored into my decision to become a cardholder, the inability to use this feature amounts to false advertising. The card continues to earn 2X points, but these points can not be used as advertised due to technical issues on Capital One 's end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
The debt collectors listed have reported debts to my credit report without providing the legally required notices under the FDCPA. I have not received any written validation of these debts or proof of their legal right to collect. These actions have harmed my credit profile, significantly lowering my credit score and limiting my access to essential credit opportunities. Additionally, the lack of proper communication has caused undue stress and confusion. 

I am requesting full validation of these debts, including : Proof of notice sent to me regarding the debts. 
Tracking numbers to verify the delivery of these notices. 
Legal agreements showing their right to collect the debts. 
Furthermore, I do believe that XXXX XXXX has a clause preventing them from selling old debt. Please provide documents verifying whether this clause applies to the accounts in question. 

The presence of these derogatory accounts has not only negatively impacted my credit but also caused unnecessary emotional distress. I urge you to address these concerns promptly and provide the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: NY

Complaint narrative:
Subject : Discrepancy on Credit Report Dear [ Equifax, XXXX & XXXX ] I am reaching out to inform you of some discrepancies I have discovered on my credit report dated XX/XX/year>. After a detailed review, I found several accounts that are not associated with me. I kindly request your assistance in promptly removing these inaccurate entries from my credit history. 

The accounts in question are as follows : XXXX. XXXX XXXX. XXXX XXXX Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
When Zelle first opened they did not have a warning for when the money gets sent to other users. So if you sent money to the wrong person there was nothing the bank could do to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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 funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CPB findings against Navy federal for similar practices, where transactions settled with insufficient balances despite intially available funds. I believe there practices are unfair and request an investigation into my account transactions. Please refund all and any funds that were taken due to overdraft fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nexum Group Inc
State: NC

Complaint narrative:
Home repair/renovation was NOT completed as agreed but the contractor sold/transferred a balance to Nexum Group which in turn placed a collection on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: GA

Complaint narrative:
I am writing 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 tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concern about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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:
( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer - provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where 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 's inaction violates 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 2025-01-15 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: Self Financial Inc.
State: VA

Complaint narrative:
I have no knowledge of the account. This is identify theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have asked them to removed old information from my credit reports and they will not removed any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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 writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX - XXXX XXXX XXXX & XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX $ Balance {$170.00} Date Opened XX/XX/XXXX XXXX XXXX Balance {$440.00} Date Opened XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX VIA DEALER XX/XX/XXXXXX/XX/XXXXXXXXXX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 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: IL

Complaint narrative:
Under 15 U.S.C 1681a,1, a the credit bureau is required to conduct a reasonable investigation and U.S.C1681b which requires accurate and verifiable information and written consent from me. Please DELETE XXXX XXXX XXXX MY CREDIT FILE. This company states they sold my information to a third party without my consent and XXXX SAID VERIFIED. This is Illegal.

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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Under 15 U.S.C 1681a,1, a the credit bureau is required to conduct a reasonable investigation and U.S.C1681b which requires accurate and verifiable information and written consent from me. Please DELETE XXXX XXXX XXXX MY CREDIT FILE. This company states they sold my information to a third party without my consent and XXXX SAID VERIFIED. This is Illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year> TransUnion

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 2025-01-15 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: VA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting a discrepancy, my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking the transaction 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 concern about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am resubmitting a complaint regarding persistent issues with making payments to my Capital One credit card accounts ( ending in XXXX, XXXX, and XXXX ). Despite a prior CFPB complaint ( Complaint ID : XXXX ), the problem has not been resolved, and I continue to encounter barriers to making timely payments. 

Details of the Issue Payment Process Failure : Attempts to make payments via debit card ( online, app, and phone ) for all three accounts are consistently rejected until after the due date. Only once the accounts become past due, and late fees are applied, am I allowed to make a debit card payment. 
Recurring Issue : I previously experienced this same issue, which led to late fees that I ultimately paid in full. However, the problem has occurred again, putting me in the same frustrating situation of being unable to make timely payments and incurring additional late fees.

Customer Support Response : After reporting the issue to Capital One via their chat service, I was offered a waiver for only one late fee. This does not address the recurring problem or the financial impact of the ongoing systemic failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I didnt get my credit fixed and the {$1200.00} payments over time. {$90.00} dollars every week that added up to {$1200.00} dollars. Nobody never contacted me or fixed my credit score. Its been over 15 years and I havent send no improvement. My information was leak. I had an apartment in my name credit cards address & all I needed up with is lost money bad credit. 
XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I didnt get my credit fixed and the {$1200.00} payments over time. {$90.00} dollars every week that added up to {$1200.00} dollars. Nobody never contacted me or fixed my credit score. Its been over 15 years and I havent send no improvement. My information was leak. I had an apartment in my name credit cards address & all I needed up with is lost money bad credit. 
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 2025-01-15 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: NV

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