vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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: MD

Complaint narrative:
I disputed some incorrect information on my credit and nothing has been done then I just found out all three are being sued for this action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Creditor : XXXX XXXX XXXX - XXXX {$66.00} - I Disputed account no response from company Creditor : XXXX XXXX- Balance {$190.00} I disputed account no response from company Creditor : XXXX XXXX- Balance {$210.00} I disputed account no response from company Creditor : XXXX XXXX XXXX - Balance {$290.00} I disputed account no response from company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management
State: SC

Complaint narrative:
XXXX was sent to collection agency letting them know I was in receipt of the letter they sent and I was disputing the alleged debt. I also ask them to provide me with documents verifying that I owe them money. Not a bill from the original creditor or a screen shot of my profile or transaction history with information from the original. I also asked them to send legal proof that they have the legal right to collect in my state and the supporting video gravy between than and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
I am not liable for this debt with XXXX, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested, also Experian and XXXX did not provide the original contract as I requested!

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 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX : XX/XX/XXXX SSN : XXXX Consumer Dispute Center ( TU ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 
1 Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX Please verify this account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
Listed below are creditors that have reported inaccurate information to my credit report and would like to dispute these agencies listed below, I have included alleged dates and amount due that are being claimed negatively on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Amount being falsely reported is : {$530.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Amount being falsely reported is : {$330.00} XXXXXXXX XXXX XXXX XX/XX/XXXX Amount being falsely reported is {$760.00} 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

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 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. 
These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
XX/XX/year> in the amount of XXXX. I asked for proof that it should be removed from my credit because it was not late. Company by the name of Kohls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 to any 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 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I called Midland credit and requested the original signed contract and pymt history. They never provided me with any information. Midland credit is negatively reporting on my credit reports and with the incorrect balance. This debt should have NEVER been sent sent to them. I am currently paying with the original company ( XXXX XXXX ). The balances are incorrect and I am paying on time and as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servicer under contract with Federal Student Aid
State: MN

Complaint narrative:
A notice was sent to me on XX/XX/XXXX by DPT EDXXXX ( address XXXX XXXX XXXX XXXX, TX XXXX XXXX. Date opened XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  in collections amounts of {$2100.00}, {$2000.00}, {$2400.00}, {$4100.00}. I havent been to college in over 10 years. The only only college I went to was XXXX XXXX XXXX XXXX. This is not my debt!

Company response to consumer: Untimely response
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Self Financial Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX account had a partial payment that was late for my XXXX. However the partial payment was made in the grace period that the company provides. XX/XX/XXXX. The original payment of XXXX was due on XX/XX/XXXX. I made a XXXX payment in which they have sent notification this morning that they would be reporting a late payment to the credit bureaus. I proceeded to reach out to the company via chat and have screenshots of the messages. Her specific term was lacking and not late. It reported to the bureaus inaccurately then it would cause a major concern as it would negatively impact me and my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 


Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXXXXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX  # XXXXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: FL

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having insufficient 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 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sentry Credit, Inc.
State: GA

Complaint narrative:
Complaint Against Sentry Credit for Attempting to Collect on a Fraudulent Account and Violating the FCRA/FDCPA Details of the Issue : I am filing this complaint against Sentry Credit regarding their collection efforts and reporting of a fraudulent debt on my credit file. The account in question originated with XXXX and was sold to Sentry Credit despite being flagged as fraudulent. 

I am a victim of identity theft and have provided substantial evidence to XXXX, including : 1. A police report documenting the identity theft. 
2. An IC3 report filed with the FBI. 
3. Copies of my identification verifying my identity. 

Despite this, XXXX sold the fraudulent account to Sentry Credit, which is now attempting to collect the debt. This violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) for the following reasons : 1. Sentry Credit is reporting a fraudulent debt on my credit file without verifying its accuracy, violating 15 U.S.C. 1681s-2. 
2. They are attempting to collect a debt that is not mine, despite being informed of the fraud. 
3. This account is causing ongoing damage to my credit report and financial well-being, as it falsely implies that I owe a debt I did not incur. 

Steps Taken to Resolve the Issue : I have contacted XXXX and provided them with the necessary documentation of fraud. I have also disputed this account with the credit bureaus, requesting its removal. Despite these efforts, Sentry Credit has continued to report and attempt to collect on this fraudulent debt. 

Relief Requested : I request that the CFPB investigate this matter and take the following actions : 1. Require Sentry Credit to cease all collection activities on the fraudulent account. 
2. Ensure that the fraudulent account is removed from my credit reports immediately. 
XXXX. Hold Sentry Credit accountable for any violations of the FCRA and FDCPA. 
4. Provide me with written confirmation that this account will no longer be pursued or reported. 

This situation has caused me unnecessary stress, financial harm, and damage to my credit score. I appreciate the CFPBs assistance in resolving this issue. 

Attachments : Police Report IC3 Report Acct number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: FL

Complaint narrative:
These items are a result of identity theft. These items do not relate to me as the consumer. This block was not made in error, neither was it made by a material misrepresentation, nor did i obtain goods or services as a result of the transactions. Your company is required to block & remove these transactions not later than 4 business days upon receipt of this letter & proper documentation. Block & remove the following transactions from the consumer report : Account Name : XXXX  XXXX Account Date : XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Date : XX/XX/XXXX Account Name : XXXX Account Date : XX/XX/XXXX Account Name : XXXX XXXX Account Date : XX/XX/XXXX Account Name : XXXX Card Account Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I send a police report and FTC REPORT AND THIS COMPANY DIDNT SEND ME THE REQUESTED DOCUMENTS AND IT WAS OVER 90 days and I have receipts to prove it I was my credit report fix and the items deleted NOW

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 2025-01-26 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: GA

Complaint narrative:
XXXX XXXX  XXXX XXXX are reporting late payments status on my reports when there's an arrangement in place vans no late payments statuses should be reported- this is inaccurate and violates my rights according to 15 US Code 1682 and 15 US Code 1692 amongst other - account : XXXX - XXXX XXXX has notified them of payment and shouldn't be reporting late per agreement

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX  XXXX XXXX are reporting late payments status on my reports when there's an arrangement in place vans no late payments statuses should be reported- this is inaccurate and violates my rights according to 15 US Code 1682 and 15 US Code 1692 amongst other - account : XXXX XXXX XXXX XXXX has notified them of payment and shouldn't be reporting late per agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NH

Complaint narrative:
I privent student loan was with XXXX  then transferred to Mohela. The emailed stated they would pause late fees and credit reporting to give us a chance to catch up on payments. My mom is a cosigner with a XXXX XXXX. I caught up and still reported me. Your still listing my dad who we lost 10 plus years ago. I have faxed multiply death cert and still not removed. The keep bring up his name when we get a letter in the mail does not help the emotions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: GA

Complaint narrative:
XXXX Bank Credit Card was opened fraudulent without my consent. I have repeatedly asked XXXX XXXX to remove the account from my credit report. I completed an affidavit with them in the past and they still have not removed it. The account was opened in XX/XX/XXXX and Charged on XX/XX/XXXX. I need this removed from my credit report immediately!

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXXXXXX XXXX Credit Card was opened fraudulent without my consent. I have repeatedly asked XXXX XXXX to remove the account from my credit report. I completed an affidavit with them in the past and they still have not removed it. The account was opened in XX/XX/XXXX and Charged on XX/XX/XXXX. I need this removed from my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
I am not liable for this debt with XXXX, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested, also XXXX and TransUnion did not provide the original contract as I requested!

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 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
I am writing regarding the account referenced above, which I understand was sold to LVNV Funding. After reviewing my records and correspondence, I am disputing the validity of this debt for the following reasons : Verification of Ownership : I request verification of the original account details, including a detailed breakdown of the balance and evidence supporting the debt 's legitimacy. 
Sale of Debt : Please provide documentation showing the sale or transfer of this account to LVNV Funding, including the date and terms of the transfer.

Payment History : I request a complete payme
nt history, including any charges, fees, or interest added to the balance.

Prohibited Arbitration Clause : The original contract for this account explicitly states that arbitration is not permitted as a resolution method. Therefore, any attempts by LVNV Funding or any other party to pursue arbitration are a violation of the terms of the original agreement. 
Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete information regarding any reported debt. Please investigate this matter and provide clarification within 30 days of receiving this letter. 

If the debt is confirmed to be valid, I request the removal of any inaccurate or outdated information from my credit report. If you are unable to provide the requested documentation, I request that you notify LVNV Funding to cease collection activities and remove any reference to this debt from my credit report.

I appreciate your prompt attention to this matter. Please send all correspondence to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have never worked with Jefferson Capital System LLC before, and the have never been in contact with me and they continue to place false collections on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I send a police report and FTC REPORT AND THIS COMPANY DIDNT SEND ME THE REQUESTED DOCUMENTS AND IT WAS OVER 90 days and I have receipts to prove it I was my credit report fix and the items deleted NOW

Company response to consumer: Closed with explanation