vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: NY

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 2025-01-28 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: MI

Complaint narrative:
According to 15USC 1681e, they violate the FCRA.

According to 15USC1692g, they violate the FCRA According to 15USC 1635 the violated the FCRA Please Investigate

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 2025-01-28 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: TX

Complaint narrative:
Mailed several letters to Experian and XXXX that the hard inquiries were not mine. These letters were first sent XX/XX/year>. The letters had my signature attached to them. The have not complied to my request to show proof or remove the hard 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 2025-01-28 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Im getting constantly harassing phone calls. Some agents pretend to be other companys, call me from a lot of numbers anytime of the day. Sends constant emails and text messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the information on my Equifax credit report, as I believe my personal information has been compromised due to recent data breach. 
I have recently become aware that my personal data, including but not limited my name, address, and social security number, may have been exposed in the data breach. As a result, the information on my credit report may be inaccurate or fraudulent. My details are as follows : XXXX XXXX Date of Birth : XXXX SSN : XXXX Equifax Report Number : XXXX In light of this, I kindly request that you conduct a thorough investigate and correct any inaccurate or fraudulent information on my credit report caused by the breach. I also request that you provide me with an updated credit report once the dispute is resolved. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX for FCRA XXXX Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against XXXX XXXX XXXX XXXX ( NFCU ) for violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681b ( a ) ( 2 ), as well as for reporting inaccurate and misleading information related to my account. These violations have significantly and unfairly impacted my XXXX XXXX, and despite my initial dispute filed on XX/XX/year>, XXXX XXXX has failed to address or correct the inaccuracies. 

Violations and Issues 1.Unauthorized Access to My Credit Report XXXX XXXX accessed my credit report without my written consent after initial approval of loan and after the account was closed and paid off. This constitutes a clear violation of 15 U.S. Code 1681b ( a ) ( 2 ), which requires that entities must have a permissible purpose or written authorization to access a consumers credit report. 

2.Inaccurate Reporting of Loan Terms and Account XXXX XXXX XXXX has reported incorrect loan terms acocrding to open and close date for this account, which fails to align with the actual loan agreement. 
The length of time the account is being reported is incorrect, further demonstrating negligence in maintaining accurate records as required under the FCRA. 
3.Addition of Redeemed Repossession Notes After Account Closure XXXX XXXX added redeemed repossession notes to the account after the loan was paid in full and closed and went against agreement made at time of redemption. This misleading reporting is inaccurate and unjustly portrays a negative status on the account. 
4.Inaccurate Late Payments Due to XXXX XXXX XXXX XXXX has reported inaccurate late payments that occurred during the time my vehicle was fraudulently stolen. These payments were delayed because they were being held by the insurance company during their investigation. 
Under the FCRA, credit reporting agencies and creditors are required to report only accurate and verifiable information, which has not occurred in this case. 
5.Failure to Correct Errors After Dispute I disputed these inaccuracies directly with XXXX XXXX XXXX XX/XX/year>. To date, they have failed to respond or correct the errors in violation of FCRA 1681i, which requires a timely investigation and resolution of disputes.

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 2025-01-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX for FCRA XXXX Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against XXXX XXXX XXXX XXXX ( NFCU ) for violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681b ( a ) ( XXXX ), as well as for reporting inaccurate and misleading information related to my account. These violations have significantly and unfairly impacted my credit score, and despite my initial dispute filed on XX/XX/year>, XXXX XXXX has failed to address or correct the inaccuracies. 

Violations and Issues 1.Unauthorized Access to My Credit Report XXXX XXXX accessed my credit report without my written consent after initial approval of loan and after the account was closed and paid off. This constitutes a clear violation of 15 U.S. Code 1681b ( a ) ( 2 ), which requires that entities must have a permissible purpose or written authorization to access a consumers credit report. 

2.Inaccurate Reporting of Loan Terms and Account XXXX XXXX XXXX has reported incorrect loan terms acocrding to open and close date for this account, which fails to align with the actual loan agreement. 
The length of time the account is being reported is incorrect, further demonstrating negligence in maintaining accurate records as required under the FCRA. 
3.Addition of Redeemed Repossession Notes After Account Closure XXXX XXXX XXXX XXXX repossession notes to the account after the loan was paid in full and closed and went against agreement made at time of redemption. This misleading reporting is inaccurate and unjustly portrays a negative status on the account. 
4.Inaccurate Late Payments Due to XXXX XXXX XXXX XXXX has reported inaccurate late payments that occurred during the time my vehicle was fraudulently stolen. These payments were delayed because they were being held by the insurance company during their investigation. 
Under the FCRA, credit reporting agencies and creditors are required to report only accurate and verifiable information, which has not occurred in this case. 
5.Failure to Correct Errors After Dispute I disputed these inaccuracies directly with XXXX XXXX XXXX XX/XX/year>. To date, they have failed to respond or correct the errors in violation of FCRA XXXX, which requires a timely investigation and resolution of disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: FL

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX for FCRA XXXX Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against XXXX XXXX XXXX XXXX ( NFCU ) for violations of the Fair Credit Reporting Act ( FCRA ), specifically under XXXX XXXX Code XXXX ( a ) ( XXXX ), as well as for reporting inaccurate and misleading information related to my account. These violations have significantly and unfairly impacted my XXXX XXXX, and despite my initial dispute filed on XX/XX/year>, XXXX XXXX has failed to address or correct the inaccuracies. 

Violations and Issues 1.Unauthorized Access to My Credit Report XXXX XXXX accessed my credit report without my written consent after initial approval of loan and after the account was closed and paid off. This constitutes a clear violation of 15 U.S. Code 1681b ( a ) ( 2 ), which requires that entities must have a permissible purpose or written authorization to access a consumers credit report. 

XXXX Reporting of Loan Terms and Account XXXX XXXX XXXX has reported incorrect loan terms acocrding to open and close date for this account, which fails to align with the actual loan agreement. 
The length of time the account is being reported is incorrect, further demonstrating negligence in maintaining accurate records as required under the FCRA. 
XXXX of Redeemed Repossession Notes After Account Closure XXXX XXXX added redeemed repossession notes to the account after the loan was paid in full and closed and went against agreement made at time of redemption. This misleading reporting is inaccurate and unjustly portrays a negative status on the account. 
4.Inaccurate Late Payments Due to Insurance-Related Delays XXXX XXXX has reported inaccurate late payments that occurred during the time my vehicle was fraudulently stolen. These payments were delayed because they were being held by the insurance company during their investigation. 
Under the FCRA, credit reporting agencies and creditors are required to report only accurate and verifiable information, which has not occurred in this case. 
5.Failure to Correct Errors After Dispute I disputed these inaccuracies directly with XXXX XXXX XXXX XX/XX/year>. To date, they have failed to respond or correct the errors in violation of FCRA XXXX, which requires a timely investigation and resolution of disputes.

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 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau, the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only two are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1002.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NV

Complaint narrative:
Mohela Information about my account : Account Summary As of XX/XX/XXXX ( ET ) {$0.00} Balance Loans Loan Date Status XXXX XXXX Consolidated - Subsidized XX/XX/XXXX Paid by DEPT OF ED XXXXXXXX XXXX Consolidated - Unsubsidized XX/XX/XXXX Paid by DEPT OF ED However XXXX my XXXX and three other credit reporting agencies still have my account listed as open.

I was on hold with MOHELA for two hours before I gave up and hung up the phone. 

Are you able to help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I feel deceived by my former apartment class on the non-refundable deposit that I paid. I have also been spammed by a debt collector on debt that I believed was already settled. I received no notice nor ability to dispute the debt. On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) emailed me after I moved out a final account statement. I was confused because before moving in, they gave me the option to choose between a bond ( by XXXX ) that was less expensive & refundable or a bond that was more expensive & non-refundable. I chose the non-refundable more expensive bonds because I heard that it's usually difficult to get it refunded because the apartments will try to charge you for damages that were already there ( paid XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). I responded back to the email and said " I chose the non-refundable deposit before I moved in, shouldnt that come from that? Because I specifically elected the more expensive non-refundable deposit vs the refundable one to avoid having to pay at the end. '' They never responded and did not clarify, I assumed it was because that meant they made a mistake and were no longer charging me. Charges included {$140.00} for paint because of " wall smudges '' even though there had been smudges before I moved in that they did not fix. I believed I was cleared and never received an email again or a mail notice that I owed this. In XXXX, I started to receive several calls from ProCollect Inc ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX ). I received calls at least since XX/XX/XXXX. I thought they were spam calls because the voicemails were vague and did not say I owed. It wasn't until my credit score went down because of ProCollect that I looked into this. They are the debt collector and they did not send me any information or mail to understand why they were calling. I called ProCollect and they said my only option was to pay the amount and that it was too late for me to dispute the claim. I had no idea I owed this from XXXX, I was never noticed by XXXXXXXX XXXX XXXX XXXXXXXX. ProCollect spammed me with calls, did not let me have any option to remediate or dispute this, and interrupted my work days with these calls.

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 2025-01-28 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: FL

Complaint narrative:
providing inaccurate information and is indirect violation of consumer law CFPB has sued your company for failure to properly investigate and I demand this account be removed immediately today

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Through the Wells Fargo issued XXXX credit card I mistakenly submitted payment for the card through the wrong checking account which did not hold sufficient funds for the payment. I contacted Wells Fargo when I realized the mistake and was told to wait until the payment was returned and specifically not to send another payment until the balance was reposted on my credit card. After the payment was returned days after I informed Wells Fargo of the mistake they closed my account. A customer service agent told me I should be able to reapply with no problem, and once doing that Wells Fargo denied me credit. All in all knocking XXXX points off my credit score.

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 2025-01-28 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:
Please check information concerning Equifax data breach below in attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: OH

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XX/XX/year> XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2025-01-28 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: TX

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 foe similar practices, were transactions settled with insufficient balances despite initially available funds. O 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 2025-01-28 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: Consumer Financial Services
State: IL

Complaint narrative:
I am writing to formally dispute the reporting of CFS XXXX joint account of around {$18000.00} that was opened under my name and social security number by my father. This loan was created without my consent, and I did not agree to co-sign or have any involvement with this. This account was opened in XXXX and I found out about it in XXXX XXXX XXXX. After all these years I was unaware of any missed payments, and as a result, the loans impact on my credit report is unfair and inaccurate.

Company response to consumer: Closed with explanation