vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 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: CT

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I've incurred. Despite having sufficient funds when the 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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
According to XXXX XXXX XXXX, a malicious actor gained access to their systems in XX/XX/XXXX and leaked sensitive data onto the dark web from XX/XX/XXXX to the summer of XXXX. This data contained the following details : Full names. Social Security Numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: VA

Complaint narrative:
I just looked at my credit report and noticed some hard inquiries don't have permissible purposes according to the Fair Credit Act. Anything furnished on my credit report must permissible purposes according to 15 USC 1681 B. Here is a list of all the hard inquiries : XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>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 2025-02-09 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: VA

Complaint narrative:
I just looked at my credit report and noticed some hard inquiries don't have permissible purposes according to the Fair Credit Act. Anything furnished on my credit report must permissible purposes according to 15 USC 1681 B. Here is a list of all the hard inquiries : XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: AZ

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 co
nvictions 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: CT

Complaint narrative:
I noticed that when I checked my credit report, I see an accurate port reporting on this credit service about me being late on my credit card payments. I never was late on these payments is an accurate from my Credit report because it is reporting on Experian and Transunion and is not reporting on XXXX so I would like to have this be moved off my other XXXX credit reports because it is hurting my credit score and I would like to have it removed off

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 2025-02-09 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: FL

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report. Upon reviewing my report on XX/XX/XXXX, I noticed that certain accounts contain incomplete and incorrect information. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy when preparing consumer reports. However, the following accounts are reporting incorrect information : Account Name : XXXX Closed on XXXX XXXX Account Name : XXXX Closed on XX/XX/XXXX Account Name : XXXX Closed on XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Closed on XXXX XXXX Account Name : XXXX XXXX  Closed on XXXX XXXX Account Name : XXXX XXXX Closed on XXXX XXXX The specific inaccuracies include : Incorrect open date Incorrect date of last activity Incorrect date of last payment Enclosed are copies of relevant documents supporting my dispute. I appreciate your prompt attention to this matter and look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Klarna AB
State: NJ

Complaint narrative:
I recently discovered an account from XXXX XXXX XXXX on my credit report, which is associated with Klarna XXXX for a balance of {$1600.00}. This account is fraudulent, as I never opened or authorized any account with Klarna. The account was allegedly opened on XX/XX/XXXX, and marked as past due in XX/XX/XXXX. However, I have no knowledge of this account, nor did I make any transactions related to it. 

This is a clear case of identity theft, and I am requesting the immediate removal of this account from my credit report under the Fair Credit Reporting Act ( FCRA ) 1681c-2, which requires the deletion of fraudulent accounts upon notice from the victim. 

Actions Taken : I am formally disputing this account with all three credit bureaus ( XXXX, XXXX, and XXXX ) and requesting that it be removed. 
I am requesting XXXX XXXX XXXX to cease collection efforts and delete the account immediately. 
I am providing an identity theft report to support my claim. 
This fraudulent account is damaging my credit and preventing me from obtaining financial opportunities. I expect an immediate investigation and permanent removal of this account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: AL

Complaint narrative:
TRANS UNION ENTERED, PROVIDED SOLD, UNAUTHORIZED INFORMATION ON MY CREDIT REPORT VIOLATING MY RIGHTS UNDER FCRA 15 U.S.C 1681 et seq. and requests CFPB to cause Trans Union to remove any information provided to or from any and all collection agencies entered on my report including any and all late payment 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 2025-02-09 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: FL

Complaint narrative:
I am writing to formally dispute the presence of fraudulent information on my credit report, in accordance with 15 U.S.C. 1681c-2, and to request the immediate blocking and removal of this information. Enclosed with this letter is a copy of my police report, along with the identity theft report filed with the Federal Trade Commission ( FTC REPORT NUMBER XXXX XXXX  XXXX as supporting evidence of my identity theft claim. 

Pursuant to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days. 

The following information on my credit report is the result of identity theft and must be blocked and removed immediately : XXXX XXXX Additional Legal Basis : Violation of Section 1681b of the FCRA Additionally, 15 U.S.C. 1681b establishes the permissible purposes under which a credit bureau may provide a credit report to third parties. This law clearly states that a credit bureau may only furnish a consumer report under specific circumstances, one of which includes obtaining the consumers express written consent.

As I never provided written or express consent for the inclusion or reporting of the fraudulent information in question, there is no valid legal basis for this information to remain on my credit file.

Requested Actions Immediate blocking and removal of the fraudulent account listed above. 
Written confirmation of the removal of the fraudulent information. 
Assurance that the deleted information will not be reinserted into my credit report in the future. 
Several times, I have contacted the credit bureau reporting these fraudulent accounts on my report, yet CREDIT BUREAU has failed to provide a solution to this issue. This situation has significantly affected me, preventing me from acquiring a new home for my children. Furthermore, these accounts have already been deleted and not verified by other bureaus, which raises concerns as to why they remain on my report. 

I have requested contracts from the company in question containing my information, yet after more than 60 days, I have not received any response. Please help me delete these accounts immediately. I am once again attaching the FTC report in the hope that you will make a fair decision regarding my case. 

I appreciate your prompt response and resolution to this matter. I expect a reply within the legally required timeframe.

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 2025-02-09 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:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, XXXX XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] [ Experian ] [ XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXXXXXX ] Subject : Dispute of Inaccurate Information on Credit Report under FCRA Section 1681 Dear [ Experian ], I am writing to formally dispute inaccurate information in my credit report. After reviewing my credit report, I have identified the following errors, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681, which governs the responsibilities of credit reporting agencies. 

Disputed Information : Item Name ( XXXX XXXX XXXX ) : [ XXXX XXXX XXXX ] Discrepancy/Issue : [ Describe the issue with the information that doesnt belong to you. Please verify validity of this account if not please delete.

Account Number ( if applicable ) : [ XXXX ] This incorrect information is damaging to my credit report and has resulted in harm to my creditworthiness. As per Section 1681 of the FCRA, I am requesting that you investigate the disputed information and correct or remove the inaccurate entry immediately. If the information can not be verified as accurate, it should be removed from my credit report in accordance with the FCRA.

Additionally, I am concerned that the inaccurate information may cause me further financial harm and may expose the credit reporting agency to civil liability for not adhering to its duties outlined under Section 1681. As such, I am requesting that the necessary investigation be conducted promptly, and that any actions required to resolve this matter be taken immediately. 

Please confirm receipt of this letter and provide an update on the status of my dispute in writing. I expect a response within the timeframe prescribed by the FCRA ( typically 30 days ). 

If you require any further documentation or evidence, please let me know. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ] [ XXXX [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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 XXXX ] [ XXXX XXXX XXXX ] [ XXXX, XXXX XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] [ Experian ] [ XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXXXXXX ] Subject : Dispute of Inaccurate Information on Credit Report under FCRA Section 1681 Dear [ Experian ], I am writing to formally dispute inaccurate information in my credit report. After reviewing my credit report, I have identified the following errors, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681, which governs the responsibilities of credit reporting agencies. 

Disputed Information : Item Name ( XXXX XXXX XXXX ) : [ XXXX XXXX XXXX ] Discrepancy/Issue : [ Describe the issue with the information that doesnt belong to you. Please verify validity of this account if not please delete.

Account Number ( if applicable ) : [ XXXX ] This incorrect information is damaging to my credit report and has resulted in harm to my creditworthiness. As per Section 1681 of the FCRA, I am requesting that you investigate the disputed information and correct or remove the inaccurate entry immediately. If the information can not be verified as accurate, it should be removed from my credit report in accordance with the FCRA.

Additionally, I am concerned that the inaccurate information may cause me further financial harm and may expose the credit reporting agency to civil liability for not adhering to its duties outlined under Section 1681. As such, I am requesting that the necessary investigation be conducted promptly, and that any actions required to resolve this matter be taken immediately. 

Please confirm receipt of this letter and provide an update on the status of my dispute in writing. I expect a response within the timeframe prescribed by the FCRA ( typically 30 days ). 

If you require any further documentation or evidence, please let me know. 

Thank you for your prompt attention to this matter. 

Sincerely, [ 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 non-monetary relief
Consumer complaint received 2025-02-09 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: AR

Complaint narrative:
My information was leaked through the Experian company and all the information on my credit score is incorrect. Ive tried to dispute them all with no luck 15 USC 1681 states that there should be accurate and fair credit reporting. Undermining the public confidence which is essential to the continued functioning of the banking system.

15 USC 1681 ( a4 ) states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for consumers right to privacy.

I would also like to state that my privacy and score has been attacked because of the geographical placement in society The extent to which if any, the use of credit scoring models, credit scores and credit based insurance scores impact on the availability and the affordability of credit and insurance to the extent information is currently available or is available through proxys, by geography, income, ethnicity, race, color, religion, national origin, age, sex, marital status, and creed, including the extent to which the consideration of certain factors by credit scoring systems could result in negative or differential treatment of protected classes under the equal credit opportunity act, and the extent to which, if any, the use of under writing systems relying on these models could achieve comparable results through the use of factors with less negative impact and the extent to which credit scoring systems are used by businesses, the factors considered by such systems and the effects of variables which are not considered by such systems. 

Thank you and I hope to see my credit score reflect this problem solved and wont have to go any further in solving this 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 2025-02-09 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: MD

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 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Monarch Recovery Holdings, Inc.
State: NC

Complaint narrative:
I am writing to formally lodge a complaint regarding an alarming and unprofessional debt collection attempt that I recently received via text message from Monarch Recovery Management. In an era where privacy is increasingly being infringed upon and spam communications are rampant, it is highly concerning that a business would obtain my personal information without my consent and attempt to contact me in such a cryptic and unprofessional manner. 

I do not recognize the company that sent the text, nor do I have any knowledge of the alleged debt they are referring to. I have never received any formal communication by mail regarding this matter, which raises serious concerns about the legitimacy of this claim, as well as the manner in which my personal information was obtained. 

As a consumer, I have the right to full disclosure, transparency, and proper verification of any alleged debt. Therefore, I am formally requesting : XXXX. ) A full ledger detailing the history of the alleged debt, including all transactions and any applicable payments. 
XXXX. ) A copy of any contract or agreement that allegedly binds me to this debt with this corporation. 
XXXX. ) An explanation of how this company obtained my personal information and from whom it was acquired. 
The use of text messages for debt collection, especially without prior communication through proper legal channels, is not only unprofessional but also potentially unlawful under the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws. This practice creates confusion and distress for consumers and raises serious privacy concerns. 

I urge the Bureau to investigate this matter, as this type of behavior may be indicative of broader issues within the industry. I also request that any necessary action be taken to ensure that debt collection practices adhere to legal and ethical standards, protecting consumers from potential fraud, harassment, or identity misuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Multiple times over the summer of XXXX, my savings account would lock. I would call in and send in personal information verifying my identity. It would be fixed for a few days or weeks. Then, the account would then be locked again and after calling in XXXX times, a representative said that my account would have to be closed. A month goes by and it's still opened but locked. I am unable to get a straight answer by anyone I call. Multiple representatives have said a manager needs to look at my account to answer my questions but this manager is never working at the time I call. I requested an email address and sent an email on XX/XX/XXXX and received an auto-reply saying responses would take XXXX business days. I have never received a response to my questions/complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am now on XXXX with a XXXX  condition. Theres been tactics used to try to scare me. There was a data breach with Equifax and my information was used by someone to get credit in my name.

Company response to consumer: Closed with explanation