vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I recently reviewed my credit report and noticed a company listed that I have never done business with. I sent them a letter requesting verification of the account, but the documentation they provided did not prove that I ever had any dealings with them. Additionally, I received a text message from another company claiming the same collection. 

I am concerned that these companies will continue to add information to my credit report, which could further harm my credit score. Therefore, I am formally requesting the removal of this account from my credit report, as it is inaccurate and unverified. 

Please take the necessary steps to investigate this matter and ensure that this erroneous information is removed from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
My personal information was breached, and my identity was compromised!

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 2025-01-22 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 for similar practices, where transactions settled 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 2025-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Florida charged my account for fees that I did not agree to. When I noticed the charges in XX/XX/year> I asked them to stop charging and to please provide a copy of the contract with the agreed upon price. I asked continuously. At first they said I would be receiving an email from the supervisor. I reached back out and told them I never received the email and they stopped responding. They did not provide services and continued to charge my account.

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 2025-01-22 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: NC

Complaint narrative:
This letter serves as a fourth notice that the reporting of certain charge-offs and closed accounts on my credit report is inaccurate and unverifiable. Furthermore, your failure to ensure compliance with the Fair Credit Reporting Act ( FCRA ) constitutes negligence, as defined under 15 U.S. Code 1681o, which states : Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer for actual damages sustained by the consumer as a result of the failure, as well as reasonable attorneys fees and costs. 
Specifically, the following accounts are being reported inaccurately : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Duplicate entries of being reported as a charge off for more than one year. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Issue : This account was paid & closed but is reporting as a charge off. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : Duplicate entries of being reported as a charge off for more than XXXX years. 

Account Name : XXXX XXXX Account Number : XXXX Issue : This account is reporting 3 late payments but was in fact paid, closed and never late. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : This account is reporting one late payment but was in fact paid, closed and never late. 

Violations and Negligence Despite the FCRAs requirement under 15 U.S. Code 1681i to conduct a proper investigation of disputed information, your agency/organization has failed to : Accurately investigate and correct the reported information. 
Provide complete and verified documentation proving the accuracy of the accounts in question. 
Ensure compliance with FCRA requirements to report accurate and complete information under 15 U.S. Code 1681e ( b ). 
Your negligence in maintaining and verifying accurate information has caused damage to my creditworthiness, including denial of credit, increased interest rates, and financial distress.

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 2025-01-22 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: NC

Complaint narrative:
This letter serves as a fourth notice that the reporting of certain charge-offs and closed accounts on my credit report is inaccurate and unverifiable. Furthermore, your failure to ensure compliance with the Fair Credit Reporting Act ( FCRA ) constitutes negligence, as defined under 15 U.S. Code 1681o, which states : Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer for actual damages sustained by the consumer as a result of the failure, as well as reasonable attorneys fees and costs.

Specifically, the following accounts are being reported inaccurately : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Duplicate entries of being reported as a charge off for more than one year. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Issue : This account was paid & closed but is reporting as a charge off. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Duplicate entries of being reported as a charge off for more than five years. 

Account Name : XXXX XXXX Account Number : XXXX Issue : This account is reporting 3 late payments but was in fact paid, closed and never late. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : This account is reporting one late payment but was in fact paid, closed and never late. 

Violations and Negligence Despite the FCRAs requirement under 15 U.S. Code 1681i to conduct a proper investigation of disputed information, your agency/organization has failed to : Accurately investigate and correct the reported information.

Provide complete and verified documentation proving the accuracy of the accounts in question.

Ensure compliance with FCRA requirements to report accurate and complete information under 15 U.S. Code 1681e ( b ). 
Your negligence in maintaining and verifying accurate information has caused damage to my creditworthiness, including denial of credit, increased interest rates, and financial distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: WA

Complaint narrative:
There are unauthorized inquires on my credit report. 

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 2025-01-22 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: CA

Complaint narrative:
In XX/XX/year>, I boarded a cruise to XXXX. While visiting different ports I purchased jewelry. The jewelry came with appraised value. I came home from the cruise and had the jewelry appraised. The appraised value was approximately {$.00} on the dollar of my purchase. When I wrote the company, they did not respond to me. I engaged an attorney and was told that the company would only recognize a particular firm/individual to perform appraisals of their jewelry. We found the appraiser and forwarded the results and request " return '' slips to return the junk. They refused and added my account to the credit reporting agency ( s ) as non-collectible debt. I disputed the debt with Equifax, XXXX and XXXX. My letter included the appraisals, emails, letters from attorney, etc. 
Equifax agreed with the company after a 10-day review. XXXX did not respond nor did XXXX XXXX I disputed the results of their investigation because there was no time for them to XXXX through all the documents and not clearly understand that ( 1 ) a Ph.D. Gemololgist and Professor at our local college did the appraisal as they requested ( 2 ) I attempted twice and was given exactly the same response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
In XX/XX/year>, I boarded a cruise to XXXX. While visiting different ports I purchased jewelry. The jewelry came with appraised value. I came home from the cruise and had the jewelry appraised. The appraised value was approximately {$.00} on the dollar of my purchase. When I wrote the company, they did not respond to me. I engaged an attorney and was told that the company would only recognize a particular firm/individual to perform appraisals of their jewelry. We found the appraiser and forwarded the results and request " return '' slips to return the junk. They refused and added my account to the credit reporting agency ( s ) as non-collectible debt. I disputed the debt with XXXX, XXXX and Experian. My letter included the appraisals, emails, letters from attorney, etc. 
XXXX agreed with the company after a 10-day review. Experian did not respond nor did XXXX XXXX I disputed the results of their investigation because there was no time for them to XXXX through all the documents and not clearly understand that ( 1 ) a Ph.D. Gemololgist and Professor at our local college did the appraisal as they requested ( XXXX ) I attempted twice and was given exactly the same response.

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 2025-01-22 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: PA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equafix consistently responds within 24 hours stating the accounts are accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs action may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.SC. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation. Accounts= XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Im reaching out to dispute an error I noticed on my credit report regarding a late payment. The account was fully settled, yet it still appears as a late payment. Since this account was paid and settled as agreed, I believe the late payment status should be corrected. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), Im entitled to have any inaccuracies investigated, and Id appreciate it if you could look into this and make the necessary updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: SC

Complaint narrative:
I submitted disputes about the negative information on my consumer report to this company on numerous occasions and the company did not investigate these disputes properly. 
( XXXX or the Company ) under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C

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 2025-01-22 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: SC

Complaint narrative:
I submitted disputes about the negative information on my consumer report to this company on numerous occasions and the company did not investigate these disputes properly. 
( XXXX or the Company ) under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I went to the dealership 3years ago because I paid off the car I was told that I owed entrance on the vehicle I stated that I needed the original paperwork stating what was in the contract they stated they could not give it to me because they didnt have it. Now the car was XXXX I paid over XXXX in payments now when I log on to the app it states paid but the entrance is over XXXX I feel like Im paying for a car XXXX XXXX should not be over XXXX when the car is paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

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  The following inquires were not and should not be reporting. 


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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 non-monetary relief
Consumer complaint received 2025-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

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  The following inquires were not and should not be reporting. 


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. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 2025-01-22 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: OH

Complaint narrative:
I am writing to address a discrepancy in the status of my student loans as reported by the credit bureaus. My loans have been enrolled in the Income-Driven Repayment ( IDR ) plan for the past 8-9 years, following a period of forbearance. I reapply for the IDR plan annually and have consistently been approved. 

However, since XXXX ( XXXX ) assumed servicing responsibilities from XXXX, there appears to have been an error with the reporting of my loan status. The credit bureaus show that I was not current on my loans and that I was " late '' in XX/XX/year>, despite the fact that I have never missed a payment. Under the IDR plan, my monthly payment has consistently been set to {$0.00}, and I have not been required to make any payments. 

I contacted XXXX and was advised to submit a formal complaint regarding this issue. I would appreciate your assistance in investigating this matter and correcting any inaccuracies in my loan status and credit reporting. 

Thank you for your attention to this matter. I look forward to your prompt resolution. 

I have attached my most recent IDR document from the new service company.

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 2025-01-22 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: OH

Complaint narrative:
I am writing to address a discrepancy in the status of my student loans as reported by the credit bureaus. My loans have been enrolled in the Income-Driven Repayment ( IDR ) plan for the past 8-9 years, following a period of forbearance. I reapply for the IDR plan annually and have consistently been approved. 

However, since XXXX ( XXXX ) assumed servicing responsibilities from XXXX, there appears to have been an error with the reporting of my loan status. The credit bureaus show that I was not current on my loans and that I was " late '' in XX/XX/year>, despite the fact that I have never missed a payment. Under the IDR plan, my monthly payment has consistently been set to {$0.00}, and I have not been required to make any payments. 

I contacted XXXX and was advised to submit a formal complaint regarding this issue. I would appreciate your assistance in investigating this matter and correcting any inaccuracies in my loan status and credit reporting. 

Thank you for your attention to this matter. I look forward to your prompt resolution. 

I have attached my most recent IDR document from the new service company.

Company response to consumer: Closed with non-monetary relief