vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a victim of identity theft, and some accounts showed up on my credit report that I did not open or authorize. I have tried to get them removed, but they are still there. These accounts are hurting my credit, and I should not be responsible for them. 

Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I have the right to have these fraudulent accounts blocked and deleted from my credit file. Once I report them as identity theft, the credit bureau must remove them within four business days.

I have already sent a dispute to XXXX, but they have not fixed the issue. These accounts should not be on my report, and I should not have to fight to get them removed when the law is clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Paid my debt on XX/XX/XXXX The company will not provide me a settlement letter/paid in full letter and giving me the run around. I was told it will take 21-30 days which is not a requirement by law I have called everyday since the XXXX and the company confirmed receipt of payment but, refuses to provide me a paid in full/settlement letter in a timely manner

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: VA

Complaint narrative:
Navy Federal Credit Union allowed charges to go through on my debit card with insufficient funds in the bank

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: CA

Complaint narrative:
Ive been dealing with the effects of unauthorized inquiries from your company on my credit report, and its been a constant source of frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: OR

Complaint narrative:
This is not my account there is no contract between me and XXXX XXXX XXXX stating that I owe this debt they need to produce proof of contract if proof of contract is not provided then delete this account Immediately

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 status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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: EQUIFAX, INC.
State: MD

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 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: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a credit card from Sears MasterCard Citibank in XXXX of XXXX. The Fraudulent charges were all charged in XXXX, XXXX and XXXX of XXXX. After going back and forth with this company on the phone several times, ( at least 12 -15 times ) they sent me letters stating that the merchant claimed I purchased these items. The fraudulent charges added up to {$1000.00}. 

The cc company credited me $ {$630.00}, as well as a separate credit of {$50.00}, totaling {$630.00}. The amount that was never credited to me was {$370.00}, plus finance charges on this amount. 

After phone call after phone call of them sending me to the fraud department, then back to customer service, the on to XXXX XXXX. I finally wrote a letter XX/XX/XXXX almost a year later spelling out exactly in detail the products fraudulently purchased, dates and amounts requesting a credit to my account. I heard nothing, so I called. They definitely had my letter, since the agent on the phone read it back to me. Agent XXXX said " Oh you should see that credit on your next statement '', which of course, never came. 

So I sent an additional letter on XX/XX/XXXX reminding them of the credit they still owe me, plus interest. I have copies of those two letters.

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: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: Self Financial Inc.
State: CA

Complaint narrative:
Back in XXXX of XXXX had requested for my pay out to be issued to me via check n on numerous occasions I've emailed requesting my payout to be sent via check! After 90 days requesting my money on XX/XX/year>XXXX  they sent my money XXXX dollars to an account that I don't have now it's been 2 weeks now n still can't my money returned back to me I am being told to contact XXXX XXXX to retrieve but when I call the bank they say self credit builder has to request the funds back n I'm just getting the run around. All I want is my money that I was supposed to receive

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX Bank of America took {$4600.00} out of my checking account twice on that same day for a total of {$9200.00}. The bank applied the money they had taken to my credit card balance, forcing it to become negative. This was done without my knowledge or approval. When I noticed this I stopped using my credit card. That left {$24000.00} in my checking account which the bank eventually refunded to me. I also changed any auto-pay accounts to another bank. 

Between the time I noticed this problem late in XXXX and XX/XX/XXXX I spoke with XXXX XXXX, the branch manager multiple times to try to resolve this issue. During this time my negative credit card balance moved moved in the positive direction as the last few auto-pay charges were paid. That left the balance at- {$8500.00} still owed to me by the bank which I wanted refunded at that time. XXXX said the amount would have to be mailed to me and it would take 8 to 10 business days for that to happen. I did not want my refund to be mailed but XXXX gave me no choice. 

During the time I was meeting with XXXX she asked me to speak with someone else on the phone. That person insisted that I caused this problem even though I know that I did not and she had no proof that I did. After that conversation I told XXXX that I wanted all of my accounts with Bank of America closed. I gave her a letter stating that and a spreadsheet showing that the bank still owed {$8500.00} to me. I also gave XXXX my credit card. 

It has now been 14 business days since XXXX told me it would take 8 to 10 business days for the {$8500.00} which has essentially been stolen from me by Bank of America to be refunded to me. During the intervening time I have made multiple trips to the bank only to be told by XXXX that my check is in the mail. The last trip was today, XX/XX/XXXX, after checking that the mail had been delivered but there was nothing from Bank of America. I am hoping that your organization will be able to convince Bank of America to pay the money they owe to me.

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 monetary relief
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: EQUIFAX, INC.
State: MO

Complaint narrative:
I came across the cfpb XXXX  lawsuit. 

I was negatively impacted, by the XXXX/Equifax hurt my chances at credit after receiving a response to my early disputes that the accounts were " verified ''. But I don't see any details about your investigation. 

Do you want to be fined too Come with the receipts, or be quick to delete. 

Thanks and send me the new report with the corrections.

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have made several attempts to contact Experian for reporting inaccurate accounts but they have not been compliant with responding to your inquiries.

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: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.

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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My wife and i enrolled with XXXX XXXX XXXX a few years back, ( attached Docs Included ) I filed disputes with all three credit bureaus, but they confirm that the accounts was conformed not true, i even tried calling to see if i can send proof, i was told i needed to file another dispute which dose not make since. I really hope you guys can help with this situation because i need to move in the near future due to medical issues ( XXXX transplant ) Nevada 's not the place for medical issues. my plans are to move back to the XXXX XXXX. 
The following accounts still has balance it should say settled/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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
My wife and i enrolled with XXXX XXXX XXXX a few years back, ( attached Docs Included ) I filed disputes with all three credit bureaus, but they confirm that the accounts was conformed not true, i even tried calling to see if i can send proof, i was told i needed to file another dispute which dose not make since. I really hope you guys can help with this situation because i need to move in the near future due to medical issues ( XXXX transplant ) Nevada 's not the place for medical issues. my plans are to move back to the XXXX XXXX. 
The following accounts still has balance it should say settled/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a dispute with Transunion for these inaccurate accounts. I submitted the proper documentation confirming my identity. However these accounts still remained on my credit profile after requesting them be removed for inaccuracy. I need a resolution as soon as possible as these items are negatively impacting my score and from being able to get further accounts.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed an inaccurate account with XXXX XXXX XXXX ( Account Number : XXXX and XXXX ) on XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ) Section 611, they were required to provide verification of the debt within 30 days ( by XX/XX/year> ). 

As of today, they have not responded, making this account unverifiable and inaccurate. Their failure to validate the debt means it should not be reported on my credit file. 

Despite their lack of response, the account remains on my credit reports with XXXX and TransUnion, which violates my consumer rights under federal law. 

I am requesting the immediate removal of this account from my credit reports and that XXXX XXXX XXXX provide written confirmation of its deletion.

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 card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: GA

Complaint narrative:
am writing to file a complaint regarding a closed account with Discover Bank that remains on my credit report. While I understand that closed accounts may stay on a report for a certain period, I believe that this particular account should be removed due to negligence and wrong information reporting on my file, also identity theft

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zions Debt Holdings
State: NC

Complaint narrative:
Zions Debt Holdings which is a company I have NO contract with contacted me in writing. It is about a XXXX account which I do not have. Letter was from XX/XX/XXXX. It states dates of service of XX/XX/XXXX for the amount of {$950.00}. Please advise on the next steps.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
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 — Account status incorrect
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
Im filing a complaint because the original creditor XXXX XXXX verbally agreed with me that they made a mistake by inaccurately reporting that I owe them a debt and allowing RS CLARK & ASSOCIATES to report a paid in full balance on my credit report. I contacted RS CLARK & ASSOCIATES and asked them to remove the invalid debt with a {$0.00} balance off my credit report and from all credit bureaus/agencies after getting a confirmation from the original creditor that they will also remove the invalid debt but they have failed to do so.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My Informations has been handed over to a thrid party with out my consent or even my premission.And t negativy has been added to my credit report and that is a Vilation

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Subject : Dispute of Inaccurate Late Payment XXXX  ( Account # : XXXX ) To Whom It May Concern, I am formally disputing the late payment reported on my credit file for XXXX ( Account # : XXXX ). This negative mark is inaccurate, and I am requesting its immediate removal per the laws outlined below. 
1. FCRA 1681i Dispute with Credit Bureaus Under the Fair Credit Reporting Act ( FCRA ) 1681i, credit bureaus are required to investigate and verify the accuracy of any disputed information. If the furnisher ( creditor ) can not provide proper documentation proving the late payment is valid, it must be deleted from my credit report. I request that you : Conduct an investigation into this late payment. 

Provide me with the date, proof of delinquency, and original creditor documentation validating this claim. 

Delete this late payment if it can not be fully verified. 


2. FDCPA 1692g Debt Validation Requirement Under the Fair Debt Collection Practices Act ( FDCPA ) 1692g, if any third-party collection agency is reporting this late payment, they must provide : Proper validation of the debt. 

Original creditor records showing that I was notified and given a chance to dispute the alleged late payment. 


If the furnisher can not provide this validation, the late payment must be removed from my credit report immediately. 

3. TILA 1666b Timely Posting of Payments Under the Truth in Lending Act ( TILA ) 1666b, payments must be credited as of the date of receipt, unless a delay does not result in a fee or an adverse effect. If the late payment was caused by improper posting or delay on the part of the creditor, this reporting is inaccurate and violates federal law. 

I demand that you provide : Documentation proving that my payment was processed correctly and in compliance with 1666b. 

If no such proof exists, the late payment must be removed from my credit report immediately. 


I request written confirmation once this matter is resolved. Thank you for your immediate attention to this dispute. 

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 non-monetary relief