vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: CA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred that caused my account a XXXX balance after being used fraudulently. 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 2025-01-29 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: KY

Complaint narrative:
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 NUMBER : 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. XXXX credit report contains fraudulent 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 INOUIRIES from my credit report. : XXXX XXXX XX/XX/XXXX LXXXX XX/XX/XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CXXXX XX/XX/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 2025-01-29 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: KY

Complaint narrative:
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 NUMBER : 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. XXXX credit report contains fraudulent 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 INOUIRIES from my credit report. : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-01-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
I requested from absolute resolution and XXXX my payment history and proof of the balance owed. I never received any information from neither. I was given the run around from both companies. I paid off this loan. I information reporting on my account is inaccurate. I don't owe this balance shown. I paid this account as agreed. This account should be removed from collection and marked closed and paid as agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
On Wed, XXXX XXXX, I received my credit report from experian and I wanted to update the file but couldnt get pass their protected bots and was continually hung up on not being able to update my records! My thing is what is the point of having companies report Fake News for the corporations to pump fake like their using a credit score to BORROW our credit that we the people extend. 2nd Most of the companies that they have reporting on my account are Banks and they are the Borrower per 12 USC 1431.

The whole system is Fraud and Deprivation of Rights Under color Law is the Conspiracy of Fraud that I am alleging.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
On Wed, XXXX 2025, I received my credit report from XXXX and I wanted to update the file but couldnt get pass their protected bots and was continually hung up on not being able to update my records! My thing is what is the point of having companies report Fake News for the corporations to pump fake like their using a credit score to BORROW our credit that we the people extend. 2nd Most of the companies that they have reporting on my account are Banks and they are the Borrower per 12 USC 1431.

The whole system is Fraud and Deprivation of Rights Under color Law is the Conspiracy of Fraud that I am alleging.

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 2025-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My student loan serviced is Nelnet ( previously was Great Lakes ). Every month, Nelnet successfully auto-debits my monthly payment from my checking account on file. 

On XX/XX/XXXX, I made a one-off payment of {$500.00} towards my student loans using the same checking account on file. I received an email from Nelnet that confirmed my payment was made. 

On XX/XX/XXXX, I made an additional one-off payment of {$1100.00} towards my student loans ( which would have fully paid off one of the high interest loans ) using the same checking account on file. 


On XX/XX/XXXX, my checking account didnt look like it had the money withdrawn yet. I checked and neither of the two one-off transactions from Nelnet had posted. I called my bank ( XXXX ) this morning, XX/XX/XXXX, and they confirmed that not only do those transactions not exist, they were never even attempted. There is no record of a failed attempt, even. 

I then called Nelnet today, XX/XX/XXXX, to ask why they didnt notify me of the failed transactions, which they said they dont know why it happens but sometimes it does. 

Nelnet is actively defrauding myself and potentially other student loans using recipients by failing to a ) apply payments b ) continuing to charge accrued interest against loans that should have been paid c ) failing to provide correspondence about their payment failures and d ) allowing accounts to potentially fall into delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-29 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-29 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: AZ

Complaint narrative:
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised serious concerns about Equifaxs failure to conduct proper investigations. The CFPB alleges in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, contrary to its obligations under the Fair Credit Reporting Act ( FCRA ).

Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax must conduct a thorough reinvestigation of disputed items within 30 days. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) requires that any inaccurate, incomplete, or unverifiable information be corrected or removed promptly. Failure to meet these requirements constitutes a federal law violation. 

I am disputing the following unresolved negative items on my credit report : XXXX XXXX XXXX - XXXX - {$95.00} XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX CXXXX XXXX XXXX - XX/XX/XXXX Despite my repeated disputes and providing all necessary information, these items remain unverified. This inaction has caused significant financial harm and emotional stress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
1 : XXXX XXXX XXXX - Open on XX/XX/XXXX, this company improperly accessed and used my credit report in connection with a disputed amount of {$2100.00}. I did not authorize this, and it has negatively impacted my credit. I contacted the company, but they have not resolved the issue. 

2 : XXXX XXXX XXXX XXXX- Open on XXXX XXXX this company also improperly reported or used my credit information in connection with a dispute amount of {$120.00}. Despite my attempts to resolve this with them, the issue remains unresolved. 

3 : XXXX XXXX XXXX Open on XXXX XXXX this company somehow accessed my credit information in connection. I did not authorize a {$250.00} charge on a credit. This charge has negative impacted my credit. They are also another company I couldnt resolve the issue with. 

4 : XXXX XXXX XXXX * Date Opened : XX/XX/XXXX *Balance : {$480.00} Issue : This company reported a collection account that I do not recognize or authorize. I have attempted to dispute this, but it remains unresolved. 

5 : Resurgent / LVNV Funding Date Opened : XX/XX/XXXX Balance : {$1100.00} Issue : This account was reported as a collection, but I do not believe it is accurate. I have reached out to the company for clarification, but they have not provided proof of validation. 

6 : XXXX XXXX XXXX C Date Opened : XX/XX/XXXX Balance : {$9300.00} ( Written off, Paid, and Closed ) Issue : This account was written off and closed, but I want to ensure that it is properly reported and does not continue to negatively affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: MISSION FINANCIAL SERVICES CORPORATION
State: TX

Complaint narrative:
1 : XXXX XXXX XXXX - Open on XX/XX/XXXX, this company improperly accessed and used my credit report in connection with a disputed amount of {$2100.00}. I did not authorize this, and it has negatively impacted my credit. I contacted the company, but they have not resolved the issue. 

2 : XXXXXXXX XXXX XXXX XXXX- Open on XXXX XXXX this company also improperly reported or used my credit information in connection with a dispute amount of {$120.00}. Despite my attempts to resolve this with them, the issue remains unresolved. 

3 : XXXX XXXX XXXX Open on XXXX XXXX this company somehow accessed my credit information in connection. I did not authorize a {$250.00} charge on a credit. This charge has negative impacted my credit. They are also another company I couldnt resolve the issue with. 

4 : XXXX XXXX XXXX * Date Opened : XX/XX/XXXX *Balance : {$480.00} Issue : This company reported a collection account that I do not recognize or authorize. I have attempted to dispute this, but it remains unresolved. 

5 : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Issue : This account was reported as a collection, but I do not believe it is accurate. I have reached out to the company for clarification, but they have not provided proof of validation. 

6 : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9300.00} ( Written off, Paid, and Closed ) Issue : This account was written off and closed, but I want to ensure that it is properly reported and does not continue to negatively affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NC

Complaint narrative:
Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within 15 days. Supporting documents are attached.

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 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/year> I deposited {$1400.00} in cash into a XXXX XXXX ATM to pay my rent on the tenant portal, the ATM was located on XXXX XXXX in XXXX XXXX XXXX, inside of a XXXX. Portal said funds were insufficient. I called XXXX XXXX Bank opened a claim on the XXXX. Next day it was put into my account. I figured it was solved. Couple months later XXXX XXXX Bank said my account was overdrawn. They said I only deposited {$140.00} not {$1400.00} on that day. The did not belong to them, but it had their Name on it and it was up to me to figure out who the ATM belongs to and talk to them. They closed my account and sent it to collections. I filled another claim so that they could contact whatever companies ATM they were using to solve this matter. They said their job was done and I was on my own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: OpenRoad Lending
State: CA

Complaint narrative:
I received 2 correspondence within 1 year advising that I had been prequalified in both instances I applied and was denied. My credit received a credit inquiry resulting in point reduction. This is misleading if I had been previously prequalified why decline my application? Creating more negative impact on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: MO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 non-monetary relief
Consumer complaint received 2025-01-29 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX ] XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Against XXXX and Creditors FCRA and FDCPA Violations To Whom It May Concern, I am filing this formal complaint against XXXX, XXXX XXXX, XXXX XXXX XXXX, and the companies responsible for multiple unauthorized hard inquiries on my credit report. These violations have persisted for over nine ( 9 ) months, significantly damaging my creditworthiness and financial standing. 
Violations and Legal Claims : 1. Unverified Collection Account XXXX XXXX XXXX ( {$3900.00} ) This debt has never been validated as required under 15 U.S.C. 1692g ( FDCPA ). 
Reporting this unverified debt for over nine months is a willful violation of 15 U.S.C. 1681s-2 ( b ) ( furnishing inaccurate information ). 
2. Inaccurate Rental Account XXXX XXXX This account has been unlawfully reported for over nine months, violating 15 U.S.C. 1681b ( no permissible purpose to report inaccurate or unverifiable data ).

3. Unauthorized Hard Inquiries Total of 7 Violations These companies pulled my credit without my consent, violating 15 U.S.C. 1681b ( f ) ( Permissible Purpose ).

These inquiries have remained on my report for over nine months, further compounding damages.

Total Damages Calculation ( Per FCRA and FDCPA Laws ) : FCRA Willful Violations ( 15 U.S.C. 1681n ) : Up to {$1000.00} per violation FCRA Negligent Violations ( 15 U.S.C. 1681o ) : Up to {$1000.00} per violation FDCPA Violations ( 15 U.S.C. 1692k ) : Up to {$1000.00} per violation Violation Type Number of Violations Compensation per Violation Total Damages Unverified Collection Account 1 {$1000.00} {$1000.00} Inaccurate Rental Account 1 {$1000.00} {$1000.00} Unauthorized Hard Inquiries 7 {$1000.00} {$7000.00} Continued Reporting Over 9 Months 12 {$1000.00} {$12000.00} Total Demand for Damages {$21.00}, XXXX Resolution Demanded : 1. Immediate removal of the following : o XXXX XXXX XXXX collection account o XXXX TECHNOLOGIES rental account o All unauthorized hard inquiries listed above 2. Compensation of {$21000.00}, payable to XXXX XXXX, for violations of the FCRA and FDCPA. 
3. Written confirmation of these deletions and payment within 24 hours. 
If this demand is not met, I will escalate my complaint to the Federal Trade Commission ( FTC ), my State Attorney General, and initiate a federal lawsuit for damages under 15 U.S.C. 1681n. This matter has been ongoing for over twelve months, and failure to act now will result in legal consequences. 
I expect a response within five ( 5 ) business days confirming the removal of these accounts, inquiries, and the full payment of damages. 
Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation