vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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:
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 2025-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing in regard to a dispute I submitted to TransUnion through the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/year>. This dispute pertains to negative items on my credit report that were caused by the XXXX  data breach and are inaccurately affecting my credit profile. 

On XX/XX/year>, TransUnion responded via the CFPB portal stating that the matter was still being investigated. As of today, it has been over 30 days since my original dispute was filed, and I have not received a resolution. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are legally required to complete investigations of disputed information within 30 days. If the information can not be verified within that period, it must be deleted from the consumers credit file. 
XXXX failure to resolve my dispute in a timely manner places the agency in noncompliance with federal law. I am therefore requesting that all unverified and inaccurate information relating to this dispute be immediately removed from my credit report. 

If the unverifiable items are not deleted promptly, I reserve the right to take legal action, as provided under XXXX XXXX Code XXXX and XXXX, which entitle me to seek actual damages, statutory damages, legal fees, and punitive damages for willful or negligent violations of the FCRA. 

Please respond within 7 days of receiving this letter to confirm deletion of the disputed items or to provide a final resolution.

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 2025-04-24 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: DC

Complaint narrative:
XXXX  contract is a fraudulent contract, the terms on my credit report is 76 months while the terms on my contract is XXXX, it also has a forged signature. This account should be removed from my credit report due to its fraudulent actions and the multiple inaccuracies. I request that XXXX XXXX XXXX verify its term on the contract to the terms on my credit report, if these terms are different, I ask that this account be deleted from all credit bureaus immediately.

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 2025-04-24 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: DC

Complaint narrative:
XXXX  contract is a fraudulent contract, the terms on my credit report is 76 months while the terms on my contract is XXXX, it also has a forged signature. This account should be removed from my credit report due to its fraudulent actions and the multiple inaccuracies. I request that XXXX XXXX XXXX verify its term on the contract to the terms on my credit report, if these terms are different, I ask that this account be deleted from all credit bureaus immediately.

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 2025-04-24 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: DC

Complaint narrative:
XXXX  contract is a fraudulent contract, the terms on my credit report is 76 months while the terms on my contract is XXXX, it also has a forged signature. This account should be removed from my credit report due to its fraudulent actions and the multiple inaccuracies. I request that XXXX XXXX XXXX verify its term on the contract to the terms on my credit report, if these terms are different, I ask that this account be deleted from all credit bureaus immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kehoe Financial Group, LLC
State: TX

Complaint narrative:
I was contacted by mail from a company alleging to be a debt collection company collecting for a traffic violation that I had in XXXX XXXX in XX/XX/2023. I did get a ticket on that date and paid it already, I sent them a copy of my receipt of wire transfer payment and they said it is a different ticket from the same day. I thought it could be legitimate because I was in XXXX on that date. I requested a copy pf the ticket since I never received it. They ignored my request. I became scared that i would be in trouble if I ever traveled through the XXXX in the future so I paid by credit card the amount they requested of {$950.00}. I requested a confirmation that I made the payment of the ticket and they ignored my request. I contacted the municipality in XXXX XXXX and they said they do not use collection agencies in the XXXX and that it must be a scam. The company that took my money posing as a collection agency is Kehoe Financial Group, XXXX XXXX XXXX, XXXX, NJ XXXX. XXXX. The person I spoke to on the phone was XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: SANTANDER HOLDINGS USA, INC.
State: CO

Complaint narrative:
Santander did not give me the correct information about my car loan and the amount is {$9.00}, XXXX and something dollars and I need to get that fixed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I submitted a dispute on XX/XX/2024 and got no response. One account was {$7500.00}, another {$2900.00} and {$240.00}. I wanted addresses for the companies and didn't receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
my XXXX  account had fraud on it resulting in multiple XXXX  of dollars of transactions to my paypal. Paypal said it wasnt fraud, XXXX refunded PayPal the money because they determined it was fraud and I did not make the charges. PayPal refuses to accept the screenshots from XXXX saying the money was refunded, resulting in my bank being charged and them charging cards I didnt authorize for these transaction causing charge back and overdraft fees and my bank accounts and debit cards being flagged for fraud and me not being able to use them

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am extremely frustrated by the continued presence of false information on my TransUnion credit report. These are not minor clerical mistakesthey are serious reporting failures that are damaging my financial credibility and blocking access to opportunities. Despite previous disputes, these inaccuracies remain unresolved, which shows a blatant disregard for maintaining accurate consumer data. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fully accurate and verified. If TransUnion can not provide clear, irrefutable documentation to support the reported information, it must be removed without delay. Im not askingIm demanding full compliance with federal law. Continued inaction will be treated as willful negligence. 

The following dispute items are inaccurate and must be addressed immediately : Personal Information ( TransUnion ) Previous Address ( es ) : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XX/XX//2023, has violated my rights. 
According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it.

According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be 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 2025-04-23 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: LEXISNEXIS
State: SC

Complaint narrative:
LexisNexis is currently reporting or sharing personal consumer information about me without my express written consent, as required by 15 U.S.C. 1681b ( a ). Under federal law, LexisNexis must have obtained my direct authorization before furnishing any of my data for credit-related purposes.

I am requesting the following : Provide documented evidence of my express written consent, which LexisNexis relies upon to report, furnish, or distribute my consumer information to credit reporting agencies or third parties.

Identify each credit reporting agency, entity, or institution to which you have shared my consumer file.

If you can not provide written consent, I request the immediate deletion and suppression of any data being furnished or reported about me.

Under 15 U.S. Code 1681b : A consumer reporting agency may furnish a consumer report only if : the consumer has provided written instructions to do so ; or the information is being used for a permissible purpose as specifically allowed by law. If LexisNexis is unable to demonstrate that I explicitly authorized the reporting or sharing of my personal information, then such activity is a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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:
On XX/XX/scrub>/25 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, and XXXX XXXX XXXX  This has cause me great XXXX XXXX and financial hardship.

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 2025-04-23 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: LEXISNEXIS
State: GA

Complaint narrative:
On XX/XX/scrub>/25 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has cause me great XXXX XXXX, and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: CL Holdings LLC
State: TX

Complaint narrative:
XXXX ( Jefferson Capital ) Reporting as a new account. Was closed over XXXX  years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-04-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
I asked my mother to create a savings account for me. She applied for the account and submitted identification documents on my behalf. She added my external accounts so that both she and I could easily access and transfer funds to and from the account. Both external accounts are in my name owned by me. My account was finally unlocked, and they did not even tell me. I had to call 4 or 5 times.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Georgia,XXXX XXXX XXXX XX/XX/XXXX Dear CFPB Representative, I am writing to file a formal complaint against Equifax for continuing to report inaccurate and unverifiable public record information on my credit report. Specifically, Equifax is reporting a XXXX  XXXX Bankruptcy Dismissed on XX/XX/XXXX/2019 under case/reference number XXXX, filed in XXXX Bankruptcy XXXX XXXX XXXX XXXX Georgia XXXX XXXXXXXX XXXX XXXX 

This bankruptcy was dismissed, not discharged. According to the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. Additionally, under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, once a dispute has been filed, the agency is required to verify the accuracy of the information with the original source in this case, the bankruptcy court.

I have disputed this item directly with Equifax and requested verification. To date, Equifax has failed to provide any verifiable documentation from the original furnisher the court that confirms this bankruptcy should continue to be reported. A dismissed bankruptcy carries a significantly different implication than a discharged one and should not be treated the same in terms of reporting duration or credit impact.

Equifaxs failure to obtain direct verification and their continued reporting of this dismissed public record constitutes a violation of the FCRA and is causing unjust damage to my credit profile.

Therefore, I am requesting that the CFPB : 1. Investigate this matter promptly.

2. Require Equifax to provide documented verification directly from the XXXX Bankruptcy XXXX in XXXX that justifies the continued reporting of this dismissed bankruptcy. 
3. If such verification can not be obtained, mandate that Equifax immediately delete this inaccurate and unverified entry from my credit file.

Attached to this letter is a screenshot of the relevant portion of my Equifax credit report for your reference.

I respectfully request a thorough investigation and look forward to your help in ensuring my rights under the FCRA are upheld. Please keep me informed of all developments regarding this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, has violated my rights. 
According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it.

According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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 am a victim of identity theft and i would like these account investigated and removed in four business days.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX To Whom It May Concern, I am writing to formally dispute and request the removal of an inaccurate and outdated entry on my credit report. The account in question is reported under XXXX XXXX XXXX, account number ending in 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 2025-04-23 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had a fraudulent account on my credit report. Please remove this account from my report, as it is hurting my ability to obtain credit.

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