vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 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: AZ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX Account Number XXXXXXXX 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 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had an account with Wells Fargo since XXXX I believe. But once Covid hit my account was completely out of balance and hard to get back on track. Because of this I stopped many payments I had coming from the account. But I could never catch up and when I went to see why it was because Wells Fargo was allowing payment after payment to go through with no money in my account and then charging me fees and overdraft fees and more fees. I begged them over and over again to please stop allowing transactions through if the money isnt available. And it continued and got worse. To the point where I couldnt access my checks. Once they hit the account they were gone all to fees. I couldnt pay my mortgage and almost lost my home. I had to ask my mortgage company for assistance. I couldnt take care of my family because all of my money went to fees of all kinds. Wells Fargo didnt care at all. They did nothing to stop it. Claiming it was to help me so things could get paid but I asked them to stop and they still did nothing.

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 2025-02-01 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: PA

Complaint narrative:
I am writing to request the removal of the following information from my credit file. A list of the items to be deleted is attached in a XXXX document. I am a victim of identity theft, and there are multiple accounts and inquiries on my credit report that I did not apply for. I request that these items be deleted to ensure my credit report reflects only accurate information. I have reported the identity theft to the Federal Trade Commission and have included copies of the report. Please block this information from my credit report as soon as possible, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-02-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC
State: LA

Complaint narrative:
In XXXX of 2024, I took out a loan of {$3000.00} at 24 % to help a friend buy a car. In XXXX of 2024, Balance Credit pulled out a payment of over {$500.00} from my XXXX XX/XX/XXXX Account. I closed the account and reported the suspicious financial behavior to XXXX. The bank agreed and blocked Balance Credit 's advances. I called Balance Credit to complain about this type of extortion, given they were threatening and began charging me daily interest on the increased balance at a rate of 224 %. There is no financial ethical or justifiable explanation for this business behavior. I have reported this firm to theXX/XX/XXXX. I also noticed on several websites that I am not alone in the " loan shark '' behavior only notice in the fine print. I am happy to get the loan back at a reasonable interest rate. I will not pay for this. I am receiving harassing emails and calls. They are not professional, and they do not seek resolution. They are predatory. They are affecting my very good credit. This should be illegal. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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:
XXXX XXXX XXXX XXXX XXXXXXXXXXXX birthday XX/XX/XXXX This CFPB complaint has been filled to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate, and false information consist of a auto loan opened on XX/XX/XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) and XXXX XXXX XXXX XXXX started XX/XX/XXXX XXXX XXXX XXXXXXXX and Hard inquiries such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent inquiries and collections appearing on my consumer XXXX credit report .I 've included a list of the hard inquiries as well as copies of the consumer XXXX credit report maintained by you which shows these items I've mentioned.i do not recognize the aforementioned accounts, collections, or hard inquiries on my consumer report maintained by you were not opened, made, or initiated by me. all these accounts I've mentioned are a result of fraud and identity theft. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.

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 2025-02-01 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: OH

Complaint narrative:
XXXX XXXX XXXX I filed a dispute with experian to investigate inaccurate information reporting and harming my credit report with multiple accounts. Experian updated all accounts with new incorrect information such as dates open, or last reported date. I filed another dispute XXXX XXXX XXXX asking experian to reinvestigate nothing happened again but updated incorrect information.

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 2025-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX is not licensed to collect in the state of North Carolina therefore they must be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the TRANSUNUON, EQUIFAX AND TRANSUNION credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a personal credit card account opened at XXXX XXXX opened on XX/XX/XXXX ( Account XXXX XXXXXXXX ) for the amount of {$5000.00}, another account opened with XXXX XXXX opened on XX/XX/XXXX ( Account XXXX XXXXXXXX ) for the amount of {$2000.00}. An account opened with XXXXXXXX XXXXK on XX/XX/XXXX ( Account XXXX XXXXXXXX ) for the amount of {$1900.00}. An Account opened with XXXX XXXX on XX/XX/XXXX ( Account XXXX XXXXXXXX ) for the amount of {$1700.00}. An Account opened with XXXX on XX/XX/XXXX ( Account XXXX XXXXXXXX ) for the amount of {$1500.00}. and fraudulent collections appearing on my consumer XXXX. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.

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 2025-02-01 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: NC

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Inaccurate Information on My Credit Report ( FCRA Violation ) Dear Experian, I am writing to formally dispute the inaccurate information on my Experian credit report, and to raise concerns that your actions may be in violation of 15 U.S. Code 1681o under the Fair Credit Reporting Act ( FCRA ). I believe your actions constitute willful noncompliance with the FCRA, and I am requesting that this issue be promptly resolved. 

The specific item I am disputing is [ XXXX XXXX ] [ XXXXXXXX XXXX XXXX XXXXXXXX XXXX. I have made previous attempts to resolve this issue through your standard dispute process, but despite my efforts, you have failed to properly address the inaccuracy, which I believe is a violation of my rights under the FCRA. 

Details of the Dispute : Account Name or Number : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Nature of the Discrepancy : [ Incorrect Credit reporting errors ] Date of Previous Dispute or Communication : [ XX/XX/year> ] As I understand, under the FCRA, credit reporting agencies are required to conduct a reasonable investigation and resolve disputes within 30 days. To date, I have not received a proper resolution, nor have I been provided with any evidence that you conducted a thorough investigation, despite your legal obligation to do so. 

Given the lack of response, I believe your actions, or lack thereof, may be a willful violation of my rights under the FCRA, specifically under 15 U.S. Code 1681o, which allows for civil liability when a credit reporting agency willfully fails to comply with the law. I am requesting the following actions : A full and prompt investigation of the disputed information. 
Immediate correction of the inaccurate information, or a formal explanation of why the information is accurate if no corrections are made. 
A written response indicating your actions in investigating this dispute, and the results thereof. 
A formal acknowledgment that my dispute rights under the FCRA have been respected moving forward. 
Please provide me with a copy of the results of your investigation as required by the FCRA. If this dispute is not resolved in a timely and satisfactory manner, I may pursue legal action under 15 U.S. Code 1681o for willful noncompliance. 

Please be advised that I will keep detailed records of all communications regarding this matter, and I am prepared to take further action if necessary. 


Thank you for your immediate attention to 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 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Block, Inc.
State: GA

Complaint narrative:
I made a new account and I been waiting on them to tell me or verify I cant get another card it always giving me an area when I try

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: AL

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 transaction were authorized, I was charged and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balance 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 2025-02-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: CA

Complaint narrative:
I sent the wrong person money and immediately tried to dispute it but I couldn't speak to anyone and the support questions didn't work. XX/XX/year> {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Upon number of occasion, Equifax never finish doing an investigation correctly. There was already sued by CFPB for not doing investigation properly I have documents showing my name how I use my name correctly and how they are trying to stick me with a different name on the credit bureau report I will be showing the evidence and I think they need to be fine for keep sending me through these issues. my name is XXXX XXXX XXXX thats the only name I use on my credit bureau report. Equifax is trying to say I use another name also which is incorrect and in the data breach. as you can see my name is XXXX XXXX  XXXX thats being used in the data breach settlement that Equifax use now they stating they cant identify who I am, but they identified me in the data breach.

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 2025-02-01 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: NV

Complaint narrative:
Upon number of occasion, Equifax never finish doing an investigation correctly. There was already sued by CFPB for not doing investigation properly I have documents showing my name how I use my name correctly and how they are trying to stick me with a different name on the credit bureau report I will be showing the evidence and I think they need to be fine for keep sending me through these issues. my name is XXXX XXXX XXXX thats the only name I use on my credit bureau report. Equifax is trying to say I use another name also which is incorrect and in the data breach. as you can see my name is XXXX XXXX  XXXX thats being used in the data breach settlement that Equifax use now they stating they cant identify who I am, but they identified me in the data breach.

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 2025-02-01 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: IL

Complaint narrative:
On my TransUnion credit report, states i have XXXX accounts, closed paid.in good standard.states as excellent. I have XXXX late payment. On payment history should be stated excellent. There is only a percent sign. That needs to be fixed.there is also XXXX hard inquires, that i have discussed with transunion 3 times already. The hard inquires i had discussed with them where companies that ran my credit with out my knowledge or consent. TransUnion took that matter moot serious. To me its very serious with XXXX hard inquires that need to be disputed, effecting my credit score for no reason.

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 2025-02-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TN

Complaint narrative:
It took XXXX years apparently for it to be reported to the credit bureaus for me to see it. I haven't received notification recently. I contacted XXXX XXXX XXXX and told them that I had contacted ACP XXXX years ago and the bill was XXXX 'd out and paid by them. I qualified for XXXX balance connectivity. I have no idea how this ever went to collections. I have had no interruptions in service so I think that someone accidentally sent this to collections before it was paid since the Federal program frequently would take a while to make the payment and bring me up to date. It may be a matter of XXXX system says that the bill is paid and another system says that it isn't When I called a few days ago she said it looked funny in the system and sees how all the bills looked paid for by ACP except this one in the middle of the others. However ACP said that this bill for {$110.00} was resolved. How did this bill surface again after being cleared according to ACP customer service? I don't know but it shouldn't be allowed to be submitted since it was resolved and paid for by the ACP Federal Program.

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 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
As of XX/XX/XXXX, I have received XXXX separate debt collection attempts regarding an alleged debt with LVNV Funding LLC, despite my repeated requests for validation and cease-and-desist notices in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 

These collection attempts have been made by XXXX third-party debt collection agencies : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Action Taken : I requested validation of the debt and cessation of collection activity. XXXX XXXX did not respond and made no further attempts. 

XXXX XXXX XXXXXXXX attempt on XX/XX/XXXX Action Taken : I requested validation of the debt and cessation of collection activity. XXXX XXXX acknowledged my dispute and confirmed collection was paused. 

XXXX XXXX XXXX XXXX collection attempts ( XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, XXXX ) First Request for Validation : XX/XX/XXXX No acknowledgment received. 
Further XXXX XXXX : XX/XX/XXXX I sent a second cease-and-desist notice, referencing my prior request. 
Continued Collection Attempts : Despite my repeated dispute and request for validation, Resurgent ignored my requests and proceeded with XXXX additional collection attempts on XX/XX/XXXX, XXXX, and XXXX, XXXX. 

Legal Violations & Request for Action Under the FDCPA ( 15 U.S.C. 1692g ), a debt collector must provide verification of a disputed debt and must cease collection efforts until verification is provided. Resurgent has repeatedly violated these provisions by continuing collection attempts while failing to validate the alleged debt. 

I request that the CFPB intervene to investigate Resurgents conduct, enforce compliance with the FDCPA, and hold them accountable for : Failure to validate the debt upon request. 
Continuing collection attempts despite an active dispute. 
Ignoring cease-and-desist requests. 

This ongoing harassment has caused undue stress and has forced me to defend myself against unverified claims. I appreciate the CFPBs assistance in ensuring Resurgent adheres to federal regulations governing debt collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: AZ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX Account XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: PA

Complaint narrative:
Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : TransUnion 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

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