vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
am writing to formally dispute the inaccurate information that appears on my credit report. The account in question, which has been sold to a collection agency, is being reported inaccurately. The collection agency has engaged in threatening and harassing behavior regarding a debt that I do not acknowledge or have ownership of. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I requested a copy of the original contract or agreement associated with this debt. The collection agency has failed to provide this documentation, which is a violation of my rights under these laws. 

Requested Action : I request that this disputed account be investigated and removed from my credit report immediately, as it is not a valid debt and the collection agency has not complied with federal and state regulations, including but not limited to XXXX XXXX XXXX Section 1788 ( Rosenthal Fair Debt Collection Practices Act ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Please conduct a prompt investigation and provide me with the results of your findings within the 30-day period as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: LA

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 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 2025-02-06 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2025-02-06 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: CA

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 2025-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
This account was created in XX/XX/year> online with XXXX  installment loan I did not start this account. This account was created during XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: DE

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-06 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: CA

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6100.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRY : XXXX  XXXX on XX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

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 2025-02-06 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:
Experian has failed to fulfill legal obligation under the Fair Credit Reporting Act ( FRCA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against Experian, Alleging systematic issues such as failing to forward consumer-provided Evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where experience has neither corrected or removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as Experian 's inaction violates Federal law and rights as a consumer. 

The following Account attached : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: CA

Complaint narrative:
Experian has failed to fulfill legal obligation under the Fair Credit Reporting Act ( FRCA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against Experian, Alleging systematic issues such as failing to forward consumer-provided Evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where experience has neither corrected or removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as Experian 's inaction violates Federal law and rights as a consumer. 

The following Account attached : 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 2025-02-06 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: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-06 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: MN

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-02-06 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: MN

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This complaint relates to a Bank of Americas checking account monthly maintenance fee. In short, the bank triggered the monthly maintenance fee by raising the required minimum account balance without providing any notice. The fees at issue total {$50.00}. 

BACKGROUND / FACTS : In each of XXXX and XXXX of XXXX, I was charged a XXXX XXXX  monthly account fee. When I called in XX/XX/XXXX to inquire about this fee, I was informed that there was a {$5000.00} minimum account balance to avoid these fees. They apologized and refunded those fees. I subsequently transferred in {$5000.00} and maintained an account balance > {$5000.00}. The fees stopped. 

Then, 16 months later, in XX/XX/XXXX the XXXX XXXX monthly account fee appeared again. I only noticed the charge on XX/XX/XXXX, at which point I had been charged a cumulative {$100.00} in monthly account fees ( {$25.00} in each of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). 

I called the bank on XX/XX/XXXX and the agent ( XXXX ) politely informed me that the minimum account balance had been raised to {$20000.00} in XX/XX/XXXX. I had never received adequate notice of that change. The bank apologized and refunded half of my fees ( {$50.00} ), but refused to refund the other half of the fees ( {$50.00} ). They explained my only recourse was small claims court or a complaint to the CFPB. 

REQUEST I am writing to request the remaining {$50.00} be refunded, and also to ask the CFPB to take action to stop this practice of changing account requirements to trigger fees with little or no notice.

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 2025-02-06 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 discovered that a credit account is being reported inconsistently across the XXXX major credit bureaus. For example, one bureau shows the account as Closed with the following delinquency information : 60 days late in XXXX, XXXX, and XXXX, and 90 days late in XXXX. Another bureau also lists the account as Closed. Still, it reports the account as 30 days late in XXXX, XXXX, and XXXX, 60 days late in XXXX, and even labels it as Repossession in XXXX. Meanwhile, a XXXX bureau shows the account as Open with 30 days late in XXXX, XXXX, and XXXX. 
I have disputed these discrepancies multiple times, yet the inaccurate information remains on my credit report. According to federal guidelines under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( which requires a reasonable reinvestigation and deletion of any unverifiable or inaccurate information ) and Section 623 ( which mandates that furnishers report only accurate and verifiable information ), these inconsistencies are unacceptable. The persistent reporting of this account with conflicting data violates these guidelines, severely damaging my credit profile. 
I am seeking immediate resolution and permanent deletion of this inaccurate account from all credit reports.

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 2025-02-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: ID

Complaint narrative:
I went into XXXX XXXX XXXX so purchase some XXXX, they were having a special if you opened a credit card and there was a large discount. I usually do not do this but I went ahead and opened an account and spent {$100.00}. This was around the beginning of XXXX or end of XXXX. 

I received a bill and the account number was listed with stars and then the last four of the credit card number. I sent a payment in full on XX/XX/XXXX to avoid any interest. I then received a call from a company called Comenity, I had no idea who they were. They asked me personal questions which of course I refused to answer but they said they were affiliated with XXXX XXXX XXXX. I called the customer service line for XXXX XXXX to find out what was going on and was told they didn't have my payment. I spoke to them XX/XX/XXXX. I filed a request to find my payment and send them proof from my bank that the payment was issued by mail. 

I then received a letter from them and called to find out what was going on on XX/XX/XXXX. The lady advised me to make another payment of {$33.00} to make sure I didn't get another late payment and informed me that late charges were applied. I called my bank and they contacted XXXX XXXX XXXX. We had a conference call and my bank issued another payment for the XXXX. XXXX XXXX XXXX said that they wanted the entire credit card number on the payment but that's not what is on the bill so that it was lost or not processed. She issued a credit for the {$30.00} late fee and XXXX dollars of interest. I asked for the account to be closed but they said until all the payments were processed correctly they didn't want to close it. 

XXXX  XX/XX/XXXX I received another bill from XXXX XXXX with the balance of {$61.00}. They did not apply the {$33.00} payment and I do not see it coming out of any of my accounts. They charged me {$3.00} more interest a {$40.00} late fee and a {$15.00} late fee debit. The {$3.00} interest rate see from last time is still there. 

I called again today XX/XX/XXXX and asked for a supervisor. I I'm very angry and ask them to erase all the fees and close the account. Unbelievable! 

After 1/2 hour on the phone she said that I need to call back tomorrow and they will review the tapes on my account for the recorded calls and I should have a resolution. I have never had this much trouble with any credit card or any bill. I did let them know that I am filing a complaint with you. 
Their phone number is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: BROKER SOLUTIONS, INC.
State: NV

Complaint narrative:
Hello, I made my final mortgage payment onXX/XX/2024 in the amount of {$5300.00}. The total amount owed on the website was {$5300.00}. I tried to pay the exact amount but the website did not allow me to pay an cents. So then I tried to pay {$5300.00} and the website did not let me pay that. I went ahead and made the payment of {$5300.00} so that left me a balance of XXXX cents. On XX/XX/2024 I called and they advised me I still owed for escrow, and recording fees in the amount of {$1200.00}. They let me know the payoff amount was good until XX/XX/2024I went to the bank to get a cashier check and mailed it out. The next thing I knew I received a email stating my mortgage was late! I called New American Funding my mortgage company and they stated they had never received the cashiers check. And they stated I now owed {$1600.00} because I was late. I immediately went to the bank and they credited me the cashier check that was not cashed and helped me send a wire to pay the balanced owed. I did receive the paper work stating i Owe XXXX but they will not remove the late payment off my credit. I have worked very hard to keep my credit in good standing and this has caused an XXXX point drop to my credit rating. I have called them and they do not care i truly believe they are punishing me because i paid the mortgage off early and they are no longer able to make interest off me. This is not ok please help me with this unfair situation. I have attached the statement showing the date of my last payment, The payoff they mailed me, and the pay stub from the cashier check I mailed them that they state they never received. That shows ths date I purchased the cashier check as evidence.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation