vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 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: MD

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 and 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 2025-02-21 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my Experian credit report and found one fraudulent inquiry on my credit report from XXXX XXXX XXXX XXXX on XX/XX/year>. I did not authorize nor receive any new credit from this company.

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 2025-02-21 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: WI

Complaint narrative:
MY NAME IS XXXX XXXX. MY NAME IS NOT XXXX XXXX OR XXXX XXXX XXXX. I AM NOT XXXX XXXX. I BELIVE THAT THE INFORMATION ON MY CREDIT REPORTING IS INCORRECT AND FRAUDULENT PER THE ACCOUNTS OR FTCS LISTED ON MY CREDIT REPORT. 
18 USC 1028A 15 USC 1681s-2 ( a ) ( 1 ) ( a ) I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 
I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I did not authorize anyone employed by any of the listed corporations to make such an inquiry and view my credit report. My rights have been violated according to the Fair Credit Reporting Act Section 1681b ( c ). They are not legally entitled to make the inquiry. This is also a breach of my privacy rights.

15 U.S.C 1681 Section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have not given permission to furnish any of my information.

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 2025-02-21 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: WI

Complaint narrative:
MY NAME IS XXXX XXXX. MY NAME IS NOT XXXX XXXX OR XXXX XXXX XXXX. I AM NOT XXXX XXXX. I BELIVE THAT THE INFORMATION ON MY CREDIT REPORTING IS INCORRECT AND FRAUDULENT PER THE ACCOUNTS OR FTCS LISTED ON MY CREDIT REPORT. 
18 USC 1028A 15 USC 1681s-2 ( a ) ( 1 ) ( a ) I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 
I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I did not authorize anyone employed by any of the listed corporations to make such an inquiry and view my credit report. My rights have been violated according to the Fair Credit Reporting Act Section 1681b ( c ). They are not legally entitled to make the inquiry. This is also a breach of my privacy rights.

15 U.S.C 1681 Section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have not given permission to furnish any of my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX is not my account. I was a victim of XXXX XXXX and during that time we were in a hurricane that destroyed everything we had.

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 2025-02-21 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: WI

Complaint narrative:
Equifax continues to send pregenerated responses to my request WITHOUT ACTUALLY LOOKING INTO MY ISSUES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: WI

Complaint narrative:
Americollect is reporting - I continue to reach out to them to figure out what this is and No one responds to my request

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA

Complaint narrative:
On XX/XX/year> at the debt collection agencys ( Columbia Recovery ) request I sent another email to Columbia Recovery that the leasing agent XXXX XXXX told me via telephone on XX/XX/year> around XXXX EST that they had made a mistake on the ledger and charged me for incorrect and duplicate fees. She sent me the ledgers via email. I asked her to correct it and she said that the debt belonged to a debt collection agency now so they ( Columbia Recovery XXXX would have to correct it. 
I have not received a response or any proof of response from Columbia. 

This debt collection agency ( Columbia Recovery ) is not in compliance with the law ( communication regulations and/or timeliness ) or with debt collection practices as incorrect amount has been on my credit report for years now. I requested that the debt be removed from my credit reports totally. 

On XX/XX/year> I asked for proof of the accuracy of the amounts due. No response or proof of response from the collection agency ( Columbia ) via email was received. 

I submitted a CFPB compliant in which the debt collector said that they did respond to my XXXX email ( which is not true as no proof of said email response was provided from them ). 
It is a deceptive business practice to say that they responded to my dispute and inquiry on XX/XX/year> however Columbia only sends settlement offers and collection attempts but no correspondence about correcting or removing the inaccuracies. I never signed a contract or agreement with Columbia therefore I do not owe them and they should not have my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: CA

Complaint narrative:
Despite my repeated efforts to correct and remove false and inaccurate information from my credit report, my requests continue to be denied or ignored. As a consumer, I have rights, and those rights are being blatantly violated by the continued reporting of information that is not the maximum possible accuracy. These inaccuracies are harming my credit score and negatively affecting my life in ways that should not be happening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed a credit card charge that I had already paid. Due to the a federal regulation prohibiting XXXX  XXXX XXXX from opening a dispute on a charge older than 60 days, the dispute was denied and I was not refunded the charge. During the time of the dispute, XXXX  XXXX XXXX reported to credit agencies the following negative remark : " account information disputed by consumer ''. This resulted in a change in my credit score of XXXX points. I have called XXXX  XXXX XXXX twice in an effort to understand why, when there was no outstanding / unpaid balance on my credit card ( I pay it in full every two weeks ), would it effect my credit so adversely. I do not believe the information in the remark was accurate, as, even though I had disputed the charge, I had already paid it and there was no outstanding balance.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed a credit card charge that I had already paid. Due to the a federal regulation prohibiting XXXX  XXXX XXXX from opening a dispute on a charge older than 60 days, the dispute was denied and I was not refunded the charge. During the time of the dispute, XXXX  XXXX XXXX reported to credit agencies the following negative remark : " account information disputed by consumer ''. This resulted in a change in my credit score of XXXX points. I have called XXXX  XXXX XXXX twice in an effort to understand why, when there was no outstanding / unpaid balance on my credit card ( I pay it in full every two weeks ), would it effect my credit so adversely. I do not believe the information in the remark was accurate, as, even though I had disputed the charge, I had already paid it and there was no outstanding balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I Hearby request Validation of debt collection practice act ( FDCPA ). 
Statements alone are not sufficient evidence of debt. As establish in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, a mere statement does not satisfy the burden of proof. therefore I request you provide : 1. The original contract or agreement. 2. A detailed accounting of the debt, including all charges and payment made. 3. verification from the original creditor that you have the legal right to this collection debt. Additionally, i demand that you cease and desist from all communication with me, as provided by the FDCPA. This includes, but is not limited to phone calls, email, letters, or any other form of communication. Furthermore, this cease and desist request extends to any form of communication via my consumer reports. This, you must delete any entries related to this debt from all consumer reporting agencies. Account XXXX XXXX if you fail to comply with this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: GA

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 generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-02-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
I tried to use this card on multiple occasions, it never worked. I tried calling the number on the back of the card and they asked me to use the website, XXXX, which did not work either. At this point, they asked me to fax my social security card, which I'm not comfortable doing. I do not know what else I can do at this point.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Westlake Services, LLC
State: PA

Complaint narrative:
Complaint Letter to Westlake Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ Date ] Westlake Financial XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Subject : Complaint Regarding Inaccurate Reporting to Credit Bureaus Dear Westlake Financial, I am writing to formally file a complaint regarding an account you have reported to the credit bureaus. I have reviewed my credit report and discovered that you have submitted inaccurate information to XXXX, XXXX, and XXXX. After noticing these discrepancies, I contacted your company and was informed that the information had been updated. 

However, I believe that the information you initially reported was incorrect and that your updates are not backed by the appropriate documentation. I have not received sufficient proof that the information reported was accurate or substantiated, nor have I been provided with any records showing that the discrepancies were corrected. 

Given the nature of this situation and the lack of supporting documentation, I am requesting that the inaccurate account be immediately removed from my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request the removal of any unverifiable or inaccurate information, and I believe this situation qualifies for removal. 

Please provide me with written confirmation that the account in question has been removed from all credit bureaus within 30 days of receiving this letter. If you can not substantiate the accuracy of the account or provide the required proof, I expect it to be deleted immediately. 

Failure to resolve this matter promptly will leave me no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities. 

Thank you for your immediate attention to this matter. I look forward to your timely resolution and confirmation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: CA

Complaint narrative:
Despite my repeated efforts to correct and remove false and inaccurate information from my credit report, my requests continue to be denied or ignored. As a consumer, I have rights, and those rights are being blatantly violated by the continued reporting of information that is not the maximum possible accuracy. These inaccuracies are harming my credit score and negatively affecting my life in ways that should not be happening.

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 2025-02-21 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: GA

Complaint narrative:
I am writing to formally notify you that I am a victim of the recent data breach, and I am requesting that all accounts related to my personal information be blocked and deleted in accordance with 15 USC 1681c-2 ( a ), as outlined under the Fair Credit Reporting Act. Due to the breach, my personal data may have been exposed, and I am concerned about potential misuse of this information. Therefore, I respectfully request that you : Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} INQUIRY EQUIFAX : XXXX on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2500.00} & XXXX XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I contacted Affirm as soon as I got the notification that an account was created in my name without my permission. My cell phone was also stolen so that could be why I had no idea these accounts were created initially. They agreed to remove it I provided them a police report and a report from the FTC. Because not only has this ID theft affected my credit it has affected my entire lifestyle. Even my taxes. They agreed to remove the accounts deemed them as fraud and now they are saying Im responsible. I have not applied for anything with them. This is fraudulent. I dont owe affirm. Please ask them to remove these accounts like they promised. Im attaching the screen shot emails that their safety team sent me. They need to honor my request and stop harassing me for these charges. I never did. I dont buy things with credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: TN

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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