vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: IA

Complaint narrative:
I am 1 payment away from partial loan discharge. I submitted a request on XX/XX/XXXX and was given a timeframe of 45 days. Below is a transcript of a chat I just had with customer service. I have been told it was " escalated '' twice in the past month. The agent today stated they are waiting for other parties to submit information ; this is not true. There are no other parties. They then ended the chat when I questioned this. 


Chat started at XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, my name is XXXX. I am reviewing your question and will help you momentarily. 
XXXXXXXX XXXX  When you submit a Request for Reconsideration you will be notified via email. You can not check the status of the request. 
XXXX XXXXXXXX XXXX XXXXt doesnt reflect on my dashboard. i did a chat here XXXX weeks ago and was told it had been escalated. 

Are you using a XXXX XXXX browser with all other windows/tabs closed? 
XXXX Yes XXXX XXXX  I can see other activity XXXX XXXX  Can you check the status of my application? 
XXXX XXXX  Could you please provide me with your complete date of birth and Social Security number? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you, Your case has been Escalated and is Waiting on additional Information to complete the Review. 
XXXX XXXX XXXX  Is there a timeline for this process? 
Unfortunately, no. 
XXXX I havent been contacted for additional information. 

XXXX XXXX  the information is not needed from you. All parties will need to respond. 
XXXX XXXX XXXX  What party are we waiting on? 

Thank you for chatting with us today. For your reference, your case number is XXXX. You may receive an email with a survey link in which you will be asked to provide feedback regarding your experience today. For further assistance, submit your inquiry via the Contact Us form at XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Subject : Complaint Against American Express Debt Dispute Description : I am filing this complaint regarding a {$20000.00} debt reported by American Express. I believe there are discrepancies related to this debt, and I am seeking a resolution. Despite my efforts to address the issue directly with American Express, I have not received a satisfactory response. I am requesting the CFPBs assistance in investigating this matter and ensuring fair treatment.

Requested Resolution : I would like a thorough review of the debts accuracy and supporting documentation from American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: CA

Complaint narrative:
Upon notifying cash app that I had unauthorized charges on my account they open an investigation and then closed my account with out removing my issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: MD

Complaint narrative:
Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information on credit reports. Despite my submission of clear evidence supporting inaccuracies, Experian has neither corrected nor removed the disputed items, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, highlighting systemic violations of the FCRA, including : Failing to forward consumer-provided evidence to furnishers during dispute investigations, as required under 15 U.S.C. 1681i ( a ) ( 2 ). Accepting incomplete or unreliable responses from furnishers, in violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy. Failing to provide consumers with proper notification of dispute outcomes, as required by 15 U.S.C. 1681i ( a ) ( 6 ). These issues align with my personal experience, where Experian has neglected its duty to perform a thorough reinvestigation of my disputes, as mandated by federal law. The companys failure to take appropriate corrective action has caused ongoing harm to my credit standing and violates my rights as a consumer under the FCRA. I am requesting immediate corrective action to remove or rectify the disputed accounts and provide a detailed explanation of the investigation process, including any communication with data furnishers. Experians failure to comply with its legal obligations has had significant financial consequences for me. If this matter is not resolved promptly, I will explore further legal remedies to ensure my rights are upheld.

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 2025-01-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Dear BARCLAYS BANK/XXXX XXXX XXXX XXXX  ; On both of my store retail cards from XXXX XXXX XXXX XXXXXXXX. I was really shocked when I reviewed my credit report today and found late payment on my credit report on XX/XX/XXXX and XX/XX/XXXX on both of my cards with your company. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2025-01-25 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/year> I disputed due to identity theft with supporting FTC ID theft report. On XX/XX/year>, the accounts in question were removed from my Equifax reports and dispute reports were uploaded by equifax. On XX/XX/year> one account in question was brought back to my report and another dispute is added to my file as " closed '' but with no report attached so i can not see the results. I did not add this dispute. On XX/XX/year> I resubmitted the dispute and FTC report ( this dispute is still open as of XX/XX/year> ). On XX/XX/year> other accounts in question were added back to my report and there is another additional ( closed ) dispute investigation on my account also without a report or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-01-25 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 am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: NJ

Complaint narrative:
The ongoing errors on my report are not only frustratingtheyre outright harmful. My score is being dragged down by information that is either incorrect or cant be verified, and its costing me opportunities Ive worked so hard to earn. It feels incredibly unfair that Im being punished because of these mistakes.

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 2025-01-25 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: NJ

Complaint narrative:
Experian refuses to remove bad accounts such as old credit union accounts OVER 10 years old. Experian refuses to update my car loan account that was added into my bankruptcy. They still have it as if I owe the money. I've done probably 3 or more investigations and they yet still refuse to remove the negative info. Experian has given me fake credit scores that never showed up on any report when I've run my credit after my bankruptcy. Experian has yet to report my XXXX XXXX Credit card correctly. I've paid off my card 4 times BEFORE the update and they yet still post it as if I exceed my limit. Experian has also reported things to creditors that don't exist on my credit report and yes I have the letters. Experian has credit who have run my credit from a dealership I DID NOT authorize.

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 2025-01-25 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: OK

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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/year> I purchased a product from an online retailer XXXX XXXX XXXX ( XXXX ). I used the Pay in 4 payment option ( XXXX ) to buy the product. Unfortunately I never received the product that was advertised. I made several attempts to contact the retailer so I could return the product for a FULL refund and did not receive any information. I contacted PayPal , Inc. for assistance in this matter. I requested that they contact the seller on their platform so they can issue a return label so I could return the counterfeit product.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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. 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. 

These are the accounts I've marked as inaccurate : XXXX  XXXX for {$210.00} opened XX/XX/XXXX XXXX  XXXX paid/closed opened XX/XX/XXXX XXXX XXXX XXXX  for {$320.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXX for {$120.00} opened XX/XX/XXXXXXXX XXXX for {$6200.00} opened XX/XX/XXXX XXXX XXXX for {$5500.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX for {$130.00} opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: MD

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian 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, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-25 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: NJ

Complaint narrative:
This letter serves as formal notice regarding alleged late payments that have been furnished to my credit file with [ Experian ] These late payments have been reported as XXXX XXXX XXXX  Per 15 U.S. Code 1666b - Timing of Payments, a creditor can not treat a payment as late unless the following conditions are met : Each periodic statement ; The information required under 15 U.S. Code 1637 ( b ) ; Was mailed or delivered to the consumer ; At least 21 days before the payment due date. 
To substantiate the legitimacy of the furnished late payments, I request that you provide documented proof of compliance with 15 U.S. Code 1666b. Specifically : Evidence that each periodic statement containing all required information under 15 USC 1637 ( b ) was mailed or delivered to me ; Proof that this mailing or delivery occurred at least 21 days before the payment due date. 
If you can not provide this documentation, the late payment reporting is inaccurate and violates 15 U.S. Code 1681s2. 

Additionally, under 15 U.S. Code 1681s2 ( 7 ), a financial institution furnishing negative information to a consumer reporting agency is required to notify the consumer : In writing of the furnishing of negative information ; Prior to or no later than 30 days after submitting such information. 

Also its come to my attention the CFPB complaint against Experian for failing to properly investigate inaccuracies in my credit report and for not providing the required description of their investigation procedures, as mandated by the Fair Credit Reporting Act ( FCRA ). 
I urge the CFPB to investigate Experian 's practices and enforce adherence to federal regulations to protect consumers like myself.

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 2025-01-25 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: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I received two letters from Midland Credit Management regarding credit card accounts that were closed and charged off in late XXXX. The letters state the debt was charged off in XXXX of XXXX, and state the amounts as {$730.00} and {$850.00}. 

Moreover, they are threatening to proceed to litigation if payment is not made by XX/XX/XXXX. These debts have not been validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: MT

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, i was unfairly charged overdraft fees. This issue appears consistent with the recent finding by the CFPB which has pointed to numerous cases against Navy federal Credit union, Where transactions of all amounts were then found to be insufficient in accounts with supportive amounts for charges made. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX. I live on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, I was born on XX/XX/year>, my social is XXXX, my phone is XXXX, my email is XXXX. Please fix my information, so it displays correct information. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: FL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of the rent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institutions and Zelle failed to investigate my claims adequately. they informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPB 'S finding indicate that Zelle has not only neglected to protect consumers but 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 2025-01-25 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 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. 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. 

These are the accounts I marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief