vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
Back in XX/XX/year> citibank closed my account for suspicious activity and never did mail me my account balance of about XXXX and something dollars! They now won't talk to me and I've tried calling them 100 times and only for them to give me a runaround.

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 2025-02-08 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: Nelnet, Inc.
State: IA

Complaint narrative:
Nelnet INC is a servicer on several student loans that are on my 3 credit reports. Under the authority of 15 U.S.C 6802,6803,6804,6805, I am now exercising my right to opt out of NelNet furnishing my private education, financial, and personal information. Giving my information to affiliates or 3rd parties violates 5 U.S.C 552a, The Privacy Act of 1974, and also the Federal Educational Right to Privacy Act. I am hereby revoking all permissions, whether written, spoken, implied, or non-implied, for my private information to be furnished without any non-disclosure or my expressed written consent. I would like them to stop furnishing my information immediately and not continue to do so. I also want them to remove the information that was furnished recently, and previously as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have received multiple collections on my credit report that Ive tried to dispute. These dates range from XX/XX/XXXX until XX/XX/XXXX. I am a victim of identity theft and unaware of these charges. I also uploaded my police report. This has been placed on 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 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XX/XX/year> I ordered a product that I thought was from the united states since the bank that charged my account was in XXXX but ended up being a scam site out of XXXX. 

I never received the merchandise, i reported it to my bank Capitol One and the bank which in turn they eventually believed the scam company out of XXXX without proof of delivery or signature that the merchandise was indeed delivered to me, which it was not. 

I reported this 3 more times and capital one continues to not do a thorough investigation that will prove I did not get the merchandise. 

The scam site blocked my IP address from searching the tracking # that clearly still shows it is supposedly in XXXX. 

That bank owes me a refund and I want my money back. My bank is supposed to protect me, the consumer and account holder from scams/fraud as this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST HORIZON BANK
State: LA

Complaint narrative:
THIS IS TO NOTIFY THIS ENTITY OF FRAUDULENT ACTIVITY ON MY ACCOUNT. SINCE HAVING THIS CREDIT CARD I'VE USED IT DAILY. TO START YOUR INSTITUTION FIRST HORIZON BANK PUT A FRAUDULENT CHARGE ON MY CARD CLAIMING A {$250.00} CHARGE FOR XXXX XXXX. MY ELECTRIC COMPANY MIND YOU IS XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX. WHICH CAUSES ME TO SUBMIT A FRAUD CLAIM CLOSING MY ORIGINAL, WHICH I DID FILE ON THE XXXX OF XXXX. ON THE XXXX OF XXXX I WENT IN TO YOUR BRANCH OFFICE LOCATED ON XXXX XXXX XXXX XXXX, XXXX. XXXX AND PAID THE BALANCE ON THE CARD XXXX IN HAND WHICH TOTALED {$3600.00}. THIS TRANSACTION GAVE MY ACCOUNT A BALANCE OF {$0.00}. FIRST HORIZON BANK HELD MY PAYMENT THAT WAS MADE ON THE XXXX OF XXXX AND APPLIED IT TWO DAYS LATER AFTER REPORTING TO XXXX, XXXX, AND XXXX A BALANCE OF - {$3800.00} AND A UTILIZATION OF 77 %!!! THIS IS VERY DETRIMENTAL HARM AND A FRAUDULENT ATTACK AGAINST [ XXXX XXXX XXXX ] [ WHICH I AM THE EXECUTIVE OF THE ESTATE OF XXXX XXXX XXXX ]. NOW ON A NEW ACCOUNT WITH A CREDIT CARD ENDING IN XXXX WITH A BALANCE THAT WAS - {$3800.00} YOUR INSTITUTION CHANGED IT TO A PRESENT BALANCE OF {$450.00}. MY ACCOUNT HAS BEEN MISREPRESENTED AND MISREPRESENTATION HAS TAKEN PLACE. MY NEXT STEP IS TO FILE A CLASS ACTION LAWSUIT ON YOUR INSTITUTION FIRST HORIZON BANK WITHIN 72 HOURS OF RECEIPT OF THIS TRANSMISSION TO YOUR INSTITUTION. YOU HAVE A CHANCE TO CURE THIS AWFUL INTRUSION OF MY CONSUMER RIGHTS. 

18 USC Section 241 DEFAMATION DISCRIMINATION RACIAL BAIS RACIAL PROFILING MISLEADING INFORMATION ON CREDIT REPORTING. 

LET THIS LETTER OF SERVITUDE SERVE AS A VITAL WARNING!!! 

SINCERELY : THE EXECUTIVE OF THE ESTATE OF THE XXXX XXXX  XXXX XXXX XXXX FIRST HORIZON BANK ACCOUNT : XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
The APR is at 21.4 %. After 1 year of paying over {$670.00} a month I asked to lower the rate and they said they didn't do that. Ally financial is the lender

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : DOE XXXX - XXXX XXXX XXXX XXXX DOE XXXX - XXXX DOE XXXX - XXXX DOE XXXX - XXXX DOE XXXX - XXXX DOE XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX DOE XXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXX Bankruptcy XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: AZ

Complaint narrative:
After reviewing my credit report, I noticed several hard inquiries that I did not recognize. I have received no confirmation from Experian with verifiable proof that I provided any written consent to report these unconfirmed inquiries. They are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian has violated my rights to privacy, and per the FCRA, I am now opting out of any and all authorization, written and non-written, verbal and non-verbal, per 15 USC 6802. I was granted no Pre-screening Opt-out notice and per 15 USC 1681 ( b ), any consumer reporting agency may furnish a consumer report in accordance with a WRITTEN request by the consumer to which it relates.

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 2025-02-08 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: AK

Complaint narrative:
I attempted to file a identity theft report, I mailed a letter to each creditor Experian, TransUnion and XXXX for inaccuracies on my report and violating my rights under regulated too 15usc and 15-81 and other violations under these laws 15usc 1681b and 1681c-2 I have also exercised my rights under regulated statues.. and have requested they provide me with proof of there attempts to fix the errors and breached information. I am aware of my rights through the fair credit reporting act and requested through investigation into all inaccuracies witch included invalid addresses phone numbers and no proof of my concent to obtain any of my bills or bank statements and vehicle repossessions.. failing to notify me of investigation results properly these alligations undermine consumer protections and perpritrate the illusion of inaccurate information on my credit report. I am concerned my dispute has been mishandled in a similar matter and under the FCRA they are required to conduct proper investigation into my disputes and inform me of the results in a comprehensive matter. Not providing me with the information they rely on if the disputed information was verified as accurate.. so I would like to insure that incorrect or unverifiable information is corrected or removed from my credit report, if the investigation concludes the information can not be verified I am requesting the immediate removal or correction from my credit report. Furthermore I have requested written confirmation of the actions taken to in response to my dispute, sense theyve failed to resolve the matter I have reserved my write to reach out to you guys for assistance. Under 605b this information should have been removed with in four days. Letters were sent out to each credit beruo couple days ago and nothing has been done to fix the issue.

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 2025-02-08 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: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
I do not have and have never had a debt obligation ( Account ) with this company. I do not know this account or have any outstanding debts to this company. This company doesn't have authority to report or collect and enforce this false debt claim. 

I do not have any contractual agreement with this company and their false reporting is costing my credit score and day to day living cost to be harmed. 

This is a violation of the Fair and Accurate Credit Reporting Act and the Fair Debt Collections Practices Act. the information is expressly misleading, incorrect, in error and false. 

Fair Debt Collection Practices Act 15 USC 1692 Title VIII Fair Credit Reporting Act 15 USC 1681 as amended by the FACT Act of 2003

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: MI

Complaint narrative:
Was advised my personal information was leaked and used to get multiple cards as well as file for unemployment in a state that I dont live in

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 2025-02-08 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: MI

Complaint narrative:
Was advised my personal information was leaked and used to get multiple cards as well as file for unemployment in a state that I dont live in

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
The account in question was fraudulently opened in my name by my sister XXXX XXXX without my knowledge or consent while I was no longer residing at the address on file. I only recently became aware of this fraudulent activity upon reviewing my credit report. 
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to dispute inaccurate or fraudulent information on my credit report. Because this account was opened without my authorization, it is not a valid debt under my name and must be immediately removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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 Credit Union 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 2025-02-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: A-1 Premium Acceptance, Inc.
State: MO

Complaint narrative:
I tried to apply for a loan due to an emergency expense that came up. The company was incredibly polite and attentive and ready to answer questions when I was in the application process. After finalizing however the company failed at multiple points to answer any questions, never provided me with the funds and ignored all my voicemails and emails. I got a hold of a representative on the XXXX and demanded the loan be cancelled and was told that a supervisor would do that for me and Id receive a callback and email with regards to the cancellation. I never received either. And every subsequent call has been met with my supervisor is out of the office and all my emails have also been continuously ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: GA

Complaint narrative:
I am a victim of identity theft, i have uploaded my police report to Transunion and XXXX with no help. These debts have not been removed from my credit report and causing much harm for me to move forward in life.

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 2025-02-08 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: DC

Complaint narrative:
I am writing to file a compliant against navy federal credit union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transaction authorized, I was charged fees due to lagged posting of charges and credit. This issue aligns with the recent CFPB findings against Navy Federal Credit Union 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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My data was breached and incorrect information was reported from all three credit bureaus Equifax, Trans Union And Experian credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My data was breached and incorrect information was reported from all three credit bureaus Equifax, Trans Union And Experian credit bureau.

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I am submitting this formal complaint regarding Transunion 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent account XXXX  on XX/XX/XXXX under the account number XXXX, on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX ( Complaint # XXXX ), I disputed several fraudulent accounts and provided Transunion with XXXX necessary documents, including a valid identity theft affidavit ( Report # XXXX ), proof of address, and Social and government-issued ID. However, Transunion failed to block the disputed item within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedents, such as Andrews v. TRW Inc. and Menashe v. Bank of New York, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPB 's 2012 bulletin underscores Transunion 's failure to uphold consumer protections under the FCRA.

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: NY

Complaint narrative:
Request of deep investigation according to my credit records XXXX XXXX, and XXXX XXXX XXXXXXXX, account are incorrect in amount, type of debt and liability, this account should be remove immediately from my public record since they are affecting my credit development and opportunities of growing. 
I also see some enquiries not made by me and I would like to be review and remove if there is not attach to my person and the enquiries I will mention : XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXXXXXX XXXX XXXX Inquired XXXX XXXX XXXX, XXXX Business Type : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance Companies - non specific XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX Business Type : Finance Companies - non specific XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Finance Companies - non specific I didn't summit this enquiries and I will need all of them to be removed from my public record, I also have no found record with XXXX XXXX and XXXX XXXX XXXXXXXX with this being said I also need this mark off my records according to the ( FCRA ), also I need a copy of the outcome for this investigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: OK

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

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 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Credit card closed with great payment history for years no explanation giving except for a decreased credit score. I informed Navy that I was being discriminated against, they agreed but took no action

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation