vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XXXX XXXX XXXX purchased a charged off account from CITIBANK in the amount of {$7200.00}. REPORTED XX/XX/XXXX 2023. No forward flow agreement or purchase agreement was given upon request to validate and identify this debt. I certify mailed my request, and was not sent all that I requested. I was emailed XXXX times requesting to pay this unverified debt from XX/XX/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 2025-02-17 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Been garnished from a card I use 10 years ago with out letting me know at least 2 weeks before they will start taking 25 % of my checksIm a single mom paying everything by my self and at this point Im trying to contact the portfolio lawyer and nothing..Im been in court twice asking for a fair hearing and nothingIm not been able to pay all my bills because of thisIm been sending emails every where for help and no response I call the portfolio # and is customer service that they dont help you at all they are there just for you to pay..Im been strugglingthis is happening with portfolio recovery associates , llc Litigation department XXXX va

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: OH

Complaint narrative:
3 debt collections companies have published debts onto my credit report made in my former name, with my ssn, the I did not make. 
1.Hunter Warfield , on behalf of XXXX XXXX XXXXXXXX XXXX lease was XXXX, {$7300.00} XXXX XXXX, on behalf of XXXX @ XXXX XXXXXXXX XXXX XXXX XXXX Lease was XXXX, {$7900.00} XXXX, on behalf of XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX, {$8200.00} My identity has been stolen, and used at these properties in XXXX. 2 police reports have been made, and available at request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I bought a car from a dealership and 3 months later the car engine had a recall on the engine. I tried to my car in the shop but everyone that I called had an 8-to-14-month waiting period I scheduled an appointment, and I paid for my car as long as I could afford it without the car even being able to drive. Almost 2 years passed by, and no one ever reached out the me about getting my car in the shop and fixing my engine, so my car was towed while I was waiting. Now I can't get a car or anything because a repossession from credit acceptance is on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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. 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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX {$9000.00} XX/XX/year> 15 U.S.C, 1681section 602 A. States 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX {$9000.00} XX/XX/year> 15 U.S.C, 1681section 602 A. States 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: PA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 explanation
Consumer complaint received 2025-02-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: GA

Complaint narrative:
The reported late payments are incorrect, incomplete, or unverifiable

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 2025-02-17 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 Section 602 ( a ), consumer reporting agencies like XXXX, XXXX, and Experian have a responsibility to be fair, unbiased, and respect my privacy as a consumer. I have the right to ensure my private information is not shared. This is supported by 15 USC 6801, which says that financial institutions must protect their customers ' private information. XXXX, which provides information to credit agencies, is considered a financial institution under this law. 

15 USC 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can only share a consumer report if they have written permission from the consumer. XXXX and the credit agencies do not have my consentwritten or otherwiseto share my information. I am officially revoking any past consent, whether verbal, implied, or written. 

15 USC 6802 ( b ) ( c ) says that a financial institution can not share private information with a third party unless the consumer is informed and given the chance to opt out. XXXX never gave me this option. Additionally, 15 USC 1681C ( a ) ( 5 ) states that consumer reporting agencies can not include adverse information on a report if it is older than seven years, except for criminal convictions. This account is an adverse item being reported again without my permission, which is illegal. 

15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) states that a person should not report information to a credit agency if they know or have reason to believe it is incorrect. 15 U.S. Code 1681e also requires consumer reporting agencies to have proper procedures to ensure they comply with these rules. XXXX, XXXX, and Experian are failing to do so. Additionally, 12 CFR 1016.7 states that a consumer can opt out at any time. I am officially opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 Section 602 ( a ), consumer reporting agencies like XXXX, XXXX, and Experian have a responsibility to be fair, unbiased, and respect my privacy as a consumer. I have the right to ensure my private information is not shared. This is supported by 15 USC 6801, which says that financial institutions must protect their customers ' private information. XXXX, which provides information to credit agencies, is considered a financial institution under this law. 

15 USC 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can only share a consumer report if they have written permission from the consumer. XXXX and the credit agencies do not have my consentwritten or otherwiseto share my information. I am officially revoking any past consent, whether verbal, implied, or written. 

15 USC 6802 ( b ) ( c ) says that a financial institution can not share private information with a third party unless the consumer is informed and given the chance to opt out. XXXX never gave me this option. Additionally, 15 USC 1681C ( a ) ( 5 ) states that consumer reporting agencies can not include adverse information on a report if it is older than seven years, except for criminal convictions. This account is an adverse item being reported again without my permission, which is illegal. 

15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) states that a person should not report information to a credit agency if they know or have reason to believe it is incorrect. 15 U.S. Code 1681e also requires consumer reporting agencies to have proper procedures to ensure they comply with these rules. XXXX, XXXX, and Experian are failing to do so. Additionally, 12 CFR 1016.7 states that a consumer can opt out at any time. I am officially opting out of your reporting services.

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Accounts older than 7 years are on my report for trans union and equi fax that say they are closed but are still reported and also most are fraud from my information being stolen and used Ive reported this several times and no resolve

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 2025-02-17 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against Experian for Failure to Correct Inaccurate Hard Inquiries To Whom It May Concern, I am filing a formal complaint against Experian for their failure to correct inaccurate hard inquiries on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information and request a reasonable investigation. However, despite multiple attempts to rectify this issue, Experian has continued reporting unauthorized and inaccurate hard inquiries on my credit report. 

Disputed Hard Inquiries : XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX Scheduled Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Scheduled Removal Date : XX/XX/XXXX I have contacted Experian multiple times through phone calls, certified dispute letters, and formal dispute forms, but my efforts have been ignored. I previously filed disputes with Experian, yet they failed to conduct a reasonable investigation and instead directed me to contact the creditor without initiating an official dispute process. This violates my right to a fair and thorough investigation under the FCRA. 

Violations of My FCRA Rights by Experian : 1. Right to dispute inaccurate information ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) 2. Right to a reasonable investigation of the dispute ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) 3. Right to receive written notice of the investigation results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) 4. Right to have inaccurate or unverifiable information deleted or modified ( 15 U.S.C. 1681i ( a ) ( 5 ) ) Request for CFPB Assistance : I am requesting that the CFPB require Experian to : Conduct a reasonable and fair investigation into these disputed inquiries. 
Provide written documentation of the investigation results. 
Immediately remove any unauthorized or inaccurate hard inquiries from my credit report. 

These errors have negatively impacted my credit score and financial standing. I seek an immediate resolution and request CFPB oversight to ensure Experian complies with the FCRA and corrects these inaccuracies. 

Thank you for your time and assistance. I look forward to your prompt response. 

Sincerely, 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 2025-02-17 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: GA

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of the items as it is incorrect and doesnt reflect my true credit history.

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 2025-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
lam 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 proces 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. 
XXXX XXXXXXXX I purchased a item from XXXX which I never received the item I contacted the dispute department all I got was a automated system I was not able to talk to anyone I sent them information to show them I didn't receive it and was still denied.

Company response to consumer: Closed with explanation