vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: MO

Complaint narrative:
I am writing to file a complaint against Navy federal credit union regarding multiple overdraft fees I 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 settle me 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 2025-02-04 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: MI

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. 

List of Unauthorized Inquiries : XXXXXXXX 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 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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
two accounts on my credit report with the same account number with different companies one is reporting the same account number. 
Account info Account name RESURGENT/LVNV FUNDING Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$880.00} past due as of XX/XX/XXXX. 


Account info Account name XXXX XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$880.00} written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$200.00} Highest balance {$880.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: FL

Complaint narrative:
My cash app what is a mission to reach to them and ask for help with a live person. Or they dont have no one in person. I wanted to transfer money and withdrawal and horrible frustrations to get help. Thank you hope to change it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC
State: TN

Complaint narrative:
I am writing to formally report an issue I have encountered with a debt collector, Firstsource Advantange, regarding an alleged debt that I believe is not valid and is subject to potential violations of the Fair Debt Collection Practices Act ( FDCPA ) In response to a collection notice, which was sent to me by Firstsource Advantange, I promptly sent a validation letter requesting proof of the debt. However, the documentation I received in return was insufficient and only included old billing statements indicating that the account had been charged off, with a noted last payment of {$1.00} in XXXX payment that is in question because I never made a {$1.00} payment. 


The debt collector failed to provide adequate verification of the debt as required by 15 U.S.C. 1692g of the FDCPA. The account was opened in 2016, and based on the state laws of Tennessee, it appears that the applicable statute of limitations for collecting this debt may have expired.

Given these factors, I have formally disputed the validity of this debt in writing to Firstsource Advantange and requested that they cease all collection efforts. Despite this, I feel it necessary to bring this situation to your attention, as I believe the debt collector 's actions not only infringe upon my rights but may also be in violation of federal laws governing fair debt collection practices.

I respectfully ask that the Consumer Financial Protection Bureau investigate this matter and consider taking appropriate action against Firstsource Advantange for the potential violations of the FDCPA.

Thank you for your assistance in this matter. I appreciate your time and attention and look forward to your prompt response. 

Regards,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: MI

Complaint narrative:
Subject : Urgent Complaint Against Experian, Equifax, and TransUnion for FCRA Violations & Deceptive Practices Dear CFPB Representative, I am submitting this formal complaint against Experian, Equifax, and TransUnion for their continued failure to comply with the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other federal consumer protection laws. Despite providing substantial documentation, these credit bureaus have engaged in repeated deceptive practices, reinserting previously deleted fraudulent accounts, failing to block identity theft-related items, and refusing to remove unauthorized inquiries and inaccurate personal data.

Violations & Consumer Harm : XXXX. Failure to Block Fraudulent Accounts ( FCRA 605B ) * I submitted an FTC Identity Theft Report and Police Report, which legally mandates credit bureaus to block fraudulent accounts within four business days. 
* TransUnion, Experian, and Equifax failed to comply and instead allowed creditors to " verify '' fraudulent accounts without actual evidence. 
XXXX. Reinsertion of Previously Deleted Fraudulent Accounts ( FCRA 611 ( a ) ( 5 ) ( B ) ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were previously deleted due to fraud but were reinserted without notice, a direct FCRA violation.

XXXX. Failure to Remove Unauthorized Inquiries & Personal Information * Despite multiple disputes, fraudulent inquiries remain on my report, affecting my credit score. 
* Incorrect phone numbers and addresses linked to fraudulent activity remain on my file. 
XXXX. Re-Aging of Debt ( FCRA 623 ( a ) ( 2 ) ) XXXX XXXX XXXX, and XXXX XXXX re-aged accounts, making them appear more recent and damaging my credit. 
XXXX. Failure to Conduct a Reasonable Investigation ( FCRA 611 ( a ) ) XXXX The CRAs simply parrot back creditor responses without requiring proper validation. 
* Under FCRA 609 ( a ) ( 1 ), I am entitled to documentation that creditors used to verify the debts, but the CRAs have failed to provide any proof. 
Requested Relief & Compensation : XXXX. Permanent Removal of Fraudulent Accounts & Unauthorized Inquiries XXXX. Full compliance with FCRA by blocking identity theft-related items immediately XXXX. Compensation for Financial & XXXX XXXX ( XXXX XXXXXXXX actual & statutory damages ) XXXX. Investigation into deceptive practices by these CRAs and enforcement action I demand immediate action on this complaint. If no resolution is reached, I am prepared to escalate this matter further, including legal action against the credit bureaus. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint : Equifax Credit Report Error and Fraudulent Reporting Date : XX/XX/2025 Consumer 's Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, Texas XXXX Email/Phone : XXXX XXXX Company Involved : Equifax ________________________________________ Nature of Complaint : I am submitting this complaint against Equifax for continuing to provide inaccurate information on my credit report. I previously filed a complaint with the CFPB about Equaix failing to provide accurate and complete information on my credit report over a month ago. However, the situation has worsened, and now Equifax is wrongfully reporting my legitimate credit card accounts as fraudulent, which is not the case. These accounts have never been fraudulent, and I have documentation to support this. 
Equifax s fraudulent reporting has resulted in my credit card companies canceling my accounts. Specifically, my XXXX XXXX and XXXX cards were canceled, and I have had to go through the process of getting them reinstated. However, there is still a risk that other accounts will be affected by this misinformation. 
I am requesting the following actions : 1. Immediate correction of the fraudulent reporting on my Equifax credit report. 
2. A full investigation into why this incorrect information is being reported. 
3. Immediate communication from Equifax to the credit card companies to prevent any further cancellations or issues with my accounts. 
4. Compensation for the hardship caused by Equifax reporting error. 
Supporting Documentation : Screenshots or copies of my credit report showing the fraudulent entries. 
Correspondence with XXXX XXXX and XXXX regarding the account cancellations and reinstatements. 
Any other relevant documents supporting that these accounts are legitimate and not fraudulent. 
I respectfully ask the CFPB to assist in resolving this matter promptly, as Equifax inaccurate reporting is causing significant damage to my credit and financial wellbeing. 
Thank you for your time and assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Money was send without consent or I sent money by mistake and lost money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: Experian Information Solutions Inc.
State: LA

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. 


Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX 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 2025-02-04 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: LA

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. 


Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-02-04 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: MI

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. 

List of Unauthorized Inquiries : XXXXXXXX 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 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 XXXX 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 non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: AZ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Cease and Desist Demand & Immediate Removal of Incorrect Debt from My Credit Report This letter serves as a formal demand that you immediately cease and desist all communication with me regarding an inaccurate and disputed debt that you have wrongfully attempted to collect. Additionally, you must immediately remove any false or incorrect debt listings from my credit report and cease any further reporting of such erroneous information to credit bureaus. 

Dispute of Debt & Failure to Verify Per Legal Requirements Upon reviewing my credit report, I have found that you have falsely reported a debt that is either : Incorrect, outdated, or fraudulent Not legally enforceable Misattributed to me Furthermore, you have failed to verify this debt in accordance with federal and Florida consumer protection laws. As per the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, upon my initial dispute, you were required to provide proper validation of this debt, yet you failed to do so. Without proper verification, you do not have the legal right to continue collection efforts or report the debt to credit bureaus. 

Violations of Florida & Federal Laws 1. Failure to Verify the Debt FDCPA 15 U.S.C. 1692g Under this law, you were required to provide me with written validation of the alleged debt, including details on its origin and legitimacy. Your failure to do so means you are violating federal consumer protection laws by continuing to collect or report this debt. 
2. Florida Consumer Collection Practices Act ( FCCPA ) Florida Statutes 559.72 ( 9 ) It is illegal for a creditor to attempt to collect a debt or report a debt to a credit bureau that is not properly verified, false, or otherwise disputed. 
3. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 As a furnisher of credit information, you are legally required to ensure the accuracy of any debt you report to credit bureaus. Failure to verify this debt and continuing to report incorrect information violates my consumer rights and subjects you to legal consequences.

Company response to consumer: Closed with non-monetary relief