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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XXXX 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 CFPB has recently filed a lawsuit against XXXX, 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 with my experience where XXXX  has neither corrected nor removed or amend the dispute accounts as XXXX action, violates federal law and my rights as a consumer

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I ask this company for a investigation on this XXXX XXXX  account as this account was part of a Data breach.My information was complomised. I filll out a affidavit from FTC that I am attaching.

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: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I recently pulled my credit report and found an inaccurate account that was reported on my report. I have made a list of the accounts that I would like to be removed. I am in the process of relocating and getting my first home. Please review the information. Thank 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: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NV

Complaint narrative:
I do not have student loan. This is a Trust in Lending Act violation. Nelnet is reporting inaccurate information on my account and to the credit bureau.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint against the XXXX XXXX XXXXXXXX regarding a violation of the fair debt collection practice Act ( FDCPA ), 15 U.S.C 1692g. I recently noticed that the XXXX XXXX XXXXXXXX placed an account for collection on my credit report. however, I did not receive any written notice from them regarding the alleged debt as required by law. Under the FDCPA specifically 15 U.S.C 1692g ( a ), a debt collector is required to send the consumer a written notice within five days of the initial communication regarding the debt. This notice must include : The amount of the debt. The name of the creditor to whom the debt is owed. A statement informing the consumer of their right to dispute the debt within a 30-day period, the debt collector will provide verification of the debt or a copy of a judgment. To date, I have not received any such written communication from XXXXXXXX XXXX XXXXXXXX, despite the account appearing on my credit report. This omission is not only a potential violation of the FDCPA but also detrimental to my credit standing and overall financial well -being. I am providing a copy of my credit report showing the entry by the

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: Incorrect information on your report — Account status incorrect
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 are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NJ

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 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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion had reinserted two accounts back on my credit file from XXXX account numbers ( XXXX ) and ( XXXX ). In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they were required to notify me of the reinsertion in writing within 5 business days. They are in violation of the FCRA. I didn't received no such notification. 

I sent a demand letter to delete the 2 XXXX accounts for violation the FCRA on XXXX XXXX. I haven't heard anything back yet about this issue, and they're still reporting these 2 accounts on my credit file.

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: 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: CO

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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, XXXX '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 XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that are inaccurate ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a Complaint against XXXX for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submission XXXX consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protective 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 XXXX XXXX complies with Federal Law and provides consumers with the necessary proof investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lakeview Law Group, PLLC
State: NY

Complaint narrative:
In XX/XX/year>, The Lakeview Law Group , PLLC contacted me, claiming they could help resolve my financial issues. At the time, I was struggling to repay six credit cards. They proposed a solution where I would pay a total of {$22000.00} for all six cards by making monthly payments of {$520.00} for 42 months. Starting in XX/XX/year>, they began collecting these monthly payments from me. 

After paying for 24 months, totaling {$12000.00}, they had only resolved three of the six credit cards. When I inquired about the remaining three cards, they informed me that I still owed {$9400.00}. I asked them what they could do if they were unable to resolve the remaining cards. They stated they could refund the money they had collected, excluding their service fees. 

Regarding the two XXXX XXXX XXXXXXXX XXXX, they explained that one was being paid off at {$220.00} per month and the other at {$110.00} per month from my monthly payments of {$520.00}. Based on my calculations, after these two cards were paid off, there would still be approximately {$5000.00} remaining. I requested that they use this amount to resolve the other cards. However, they demanded an additional {$600.00} to address the XXXX XXXX XXXX, warning that if I didnt pay, they wouldnt be able to proceed. This meant exceeding our original agreement, so I told them I wanted to remove the remaining three cards if they couldnt resolve them since I was still required to pay their service fees regardless of the outcome.

I also asked for a written guarantee from their law group confirming that I wouldnt have to make additional payments, as I had read reviews on their website that raised concerns. After removing the three unresolved credit cards, they asked me to continue paying {$250.00} per month for 7 to 8 more months to pay off the XXXX XXXX  XXXX XXXX cards. I reminded them that I had already paid {$12000.00}, and the amount left to settle the XXXX cards was only {$8600.00}. I firmly stated that I had fulfilled my obligations and would not make any additional payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
XXXX Chase credit card had a promotion going on for $ XXXX points when you sign up for their card as a new user instwsd of their normal XXXX. It went towards the companion pass as well. Which is the only reason I opened the card in the first place. I had multiple advertising pop ups on websites and XXXX for this promotion as well as multiple emails offering the promotion. I opened the card account on XX/XX/year>. The promotion ended in XX/XX/XXXX. The criteria was to spend $ XXXX in the first 3 months of opening. I spent the proper amount, by the dead line. I didn't receive the points but thought maybe the billing cycle needed to be closed out which would have been XX/XX/XXXX. I waited for it to close and still no points. Monday was a holiday so I called Tuesday. The 1st representative I talked to, said I was no longer eligible because the offer was expired. I told him I opened my account before the promotion ended. He transfered me to an escalation manager who looked into it and said they for sure could change it around. I some how only recieved a {$200.00} statement credit instead. He said he could charge the XXXX back and give me the promotional points and everything looked good and should be be a problem. Friday night I got an email stating they would no honor the promotion and the case was closed. I called back Saturday and they continously told me there was nothing they could do because the promotion was over and the case was closed and could not be reopened. I told her I didn't want the card and needed to talk to some one and she would not transfer me to anyone else. Right know they still have their normal XXXX points for anyone who gets approved for a card but they wouldn't honor that either. I got XXXX points in this situation which makes no sense.

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: SC

Complaint narrative:
Equifax, XXXX and XXXX according 15 US Code 1681- governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Response is all said varified, but know evidence on how they varified the information ; written or verbal!!!

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Sofi bank misapprpriatedXXXX XXXX of my money deposits that were going into my account they were charging me for

Company response to consumer: Closed with explanation
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: Block, Inc.
State: SC

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 2025-01-27 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: IL

Complaint narrative:
Improper inaccurate reporting.fraudulently 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.

These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

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 initial available funds. I request 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 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
td XXXX said account is restricted and will be closed due to fraudulent activity which is a lie as all I did was numerous attempts to send myself money through XXXX and failed like 5 times then it went through and they restricted account.i want my account re-opened or my money back as they want me to close account at a branch which I can not due because I'm taking care of a sick relative and I can't leave them alone for periods of time but TD Bank doesn't understand that.they don't care about anything. I want my account reactivated end of story I never did anything wrong despite you guys accusing me when it's you guys that have been fined by cfpb for fraud.td bank employees commit fraud and they accuse me with no evidence and won't open account back up or mail me my check as I can not go to branch because I'm taking care of a sick relative who needs assistance 24/7 and I can not leave them alone.

Company response to consumer: Closed with non-monetary relief