vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
Its beyond frustrating to see the same mistakes show up on my report over and over again. These errors are doing real damage to my score and blocking opportunities that Ive earned through hard work. I shouldnt have to keep dealing with inaccuracies that shouldnt be there in the first place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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:
I have asked XXXX XXXX and Equifax several times to fix the issue on my report showing that I have two XXXX accounts. They are showing one ending in XXXX and another ending in XXXX. The one ending in XXXX should not be open and is a fraudulent account. I only have one XXXX card and that is the one ending in XXXX. The one ending in XXXX is a closed account that is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
OneMain has refused to provide me with the origional full contract to support any loan documentation, terms with signature. I have requested any and all contract documentation from One Main Financial and been told they have no record of any loan now that they have sold the dept to XXXX XXXX. XXXX XXXX sent me a bill of sale for the dept they purchased from One Main on XXXX and have since been threatening me with law suits and letters from lawyers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

OneMain has continued to deny me access to any loan contract documentation after they were suited on XXXX and the Consumer Financial Protection Bureau issued an order against OneMain Financial XXXX  LLC stating, OneMain misrepresented tens of thousands of consumers who purchased and then subsequently canceled optional add-on products that they could cancel the products during what it called a full refund period and be returned to the financial position they would have been in had the product never been added to their loan. The Bureau found that OneMain engaged in deceptive acts or practices in violation of the Consumer Financial Protection Act of 2010 ( CFPA ) by misleading consumers into believing they must purchase add-on products to receive loans and that they could cancel the add-on products within a prescribed time period without cost. The Bureau also found that OneMain engaged in unfair acts or practices in violation of the CFPA by charging and failing to refund the full premium and interest that accrued on add-on products consumers did not agree to purchase and by charging and failing to refund interest that accrued on add-on product fees during a purported full-refund period. Finally, the Bureau found that OneMain violated the CFPA by abusively interfering with consumers ability to understand that add-on products were optional and that OneMain charged non-refundable interest during the purported full-refund period. Failure to provide a contract agreement with OneMain as the original creditor and contract thereof is another example of OneMain engaging in unfair acts or practices in violation of the CFPA. Furthermore, OneMain is believed to be hiding the original contract as it relates to another admission of their Stipulation and Consent Order to avoid further respondents from adding to the suit, myself include. Having the original contract and listing OneMain as the Original Creditor on my credit history would show or could show their liability and additional add on products, insurance, or cancelation options that were not returned by the finial institution. I would like this removed from my credit base on the information provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: MI

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 credit union 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 2025-01-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I've made several attempts to address the fraudulent inquiries and accounts on my credit report, but they remain unresolved. These entries are not mine, and I am not responsible for them. They have caused significant stress and financial hardship. As a victim of identity theft, I may be forced to pursue legal action if this issue is not resolved promptly. These inaccuracies have hindered my ability to purchase a home and provide for my family, severely impacting my financial stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: KS

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: KS

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: GA

Complaint narrative:
TransUnion LLC XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information and Request for 1099-C Dear Credit Reporting Agencies, I am writing to formally dispute the accuracy of several accounts listed on my credit report, including accounts from XXXX XXXX  ( Account # XXXX ), XXXX XXXX XXXX  XXXX Account # XXXX ), XXXX XXXX XXXX  XXXX Account # XXXX ), XXXX  Lending XXXX XXXX Account # XXXX ), XXXX XXXX  XXXX XXXX Account # XXXX ), XXXX XXXX ( Account # XXXX ), XXXX XXXX XXXX XXXX Account # XXXX ), XXXX XXXX ( Account # XXXX ), XXXX XXXX XXXX Account # XXXX ), and XXXX XXXX  ( Account # XXXX ). Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, I request a reinvestigation of these accounts, as they appear to violate several provisions including 15 USC 1666b regarding billing disputes and 15 USC 1681e ( b ) concerning the accuracy of information. Additionally, I am requesting a 1099-C for all charge-off accounts as mandated by tax code regulations. If these entries are not corrected or removed, I will be compelled to seek legal remedies for damages as permitted under the FCRA and related regulations ( 12 CFR 1006.34c, 12 CFR 1006.6c ). Please confirm receipt of this letter and provide a timeline for the reinvestigation process. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
There is XXXX debt collection companies harassing and threatening me by saying they will take me to court if I don't pay the credit cards back. The companies are XXXX. XXXX XXXX. LVNV Funding LLC please help me to get both of these of my credit report please. I disputed these on Experian.com. nothing was done the companies keep resubmitting these to my credit report and making my scores continue to go down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: NV

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 credit report this account is hurting my ability to obtain credit. 

XXXX XXXX XXXX Account # 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 2025-01-29 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: NM

Complaint narrative:
On multiple occasions I have submitted disputes online as to the validity of the companies and debts allegedly owed, including original contracts and agreement signed by all parties involved, and also through email for some companies. I do not recognize any of these companies as ever having loans through them but theyre reporting as original creditor on my reports. I have never received the information requested and nothing ever changed on my reports. As far as disputed I either I got a determination saying its valid debt within just a few days saying the debt was validated with no proof from the bureaus equivalent, XXXX XXXX, and XXXX ( which seems odd because there was no investigation ) and I never received proof. I have also reached out to the companies directly on multiple occasions through response to emails and never receive everything I asked for. XXXX XXXX, XXXX XXXX XXXX and XXXXXXXX XXXX are the three companies that I can remember. XXXX XXXX was the one through email. All are reporting as original creditor and have dates saying they were opened within the last year which I know I have not taken any loans or credit cards in the past several years and none from any of these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: NC

Complaint narrative:
Name : ( XXXX XXXX ), Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), XX/XX/XXXX A false fraudulent business credit card is listed on my personal credit report. 
This CFPB complaint has been filed to request pursuant to FCRA XXXX XXXX XXXX XXXX XXXXXXXX ) 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 consists of a Business credit card account opened at XXXX XXXX on XXXX, XXXX under the account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries XXXXXXXX XXXX XXXX  in question and a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-01-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Please take this complaint seriously, as it was submitted with careful attention. My credit report contains mixed and inaccurate information, including accounts, transactions, and items that do not belong to me. This ongoing issue is deeply concerning and has been causing me significant stress and anxiety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I was notified in a phone conversation in mid XXXX that my card was being cancelled and would not be able to use after XXXX XXXX by your customer service person on your XXXX number. My card with no warning was cancelled on XXXX XXXX. I planned to charge the {$5000.00} during the first three months so I could get the XXXX point bonus that was promised. At the time of the card shut down on XX/XX/XXXX my charged amount was {$4800.00}, {$150.00} short of the needed bonus amount. 

I never received a notice from Chase stating this. When I wrote to Chase and spoke to the representative handling my account she told me the notice had been sent to another address of mine from over ten years ago. I told her I never received the notification and had been told I had until XX/XX/XXXX as was told by their customer service rep in XXXX call. She stated their decision was final and assured me she would send the letter to my current address which they had on my account from the beginning. 

This was a total misrepresentation and bad faith as they never sent my notice until it was too late to collect my bonus. If I would have had sent the letter to my address of record which was always my address of record on this account I would have been able to make appropriate action. I was told incorrectly by their customer service in my call of XXXX. 
I have asked why they cancelled my account they said it was from an account in XXXX. I told her I had a tramatic brain injury in XXXX and was unable to continue working at the time and the company closed. I offered documentation. She stated their decision is final. I offered to pay whatever was in deficit. 

You can see the letters attached. The one sent in XXXX sent to the XXXX XXXX address which I have not be at or used in over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
Ive sent several notarized documents to Ally financial CEO, CFO as well as registered agent. No RESPONSE Dear Ally Financial, I am writing in response to your letter dated XX/XX/XXXX, regarding my concerns with the retail installment contract for the XXXX XXXX XXXX. After further review, I believe there are several legal violations in the contract, particularly concerning the Truth in Lending Act ( TILA ) and other consumer protection laws. 

For your reference, I have attached the original retail installment contract and highlighted the areas where I believe violations have occurred. Below, Ive outlined my specific concerns and the resolutions I am seeking : 1. Violations of the Truth in Lending Act ( TILA ) and Request for Corrections : Incorrect Financing Amount : The contract lists the amount financed as {$20000.00}, which includes a document fee ( {$480.00} ) and GAP insurance ( {$890.00} ). Under TILA, these charges should be considered part of the finance charge and should not be included in the amount financed. The correct amount financed should be {$18000.00}.

Incorrect Finance Charge and Total Payments : At the stated interest rate of XXXX  % over 75 months, the finance charge on the true amount financed should be {$8100.00}.

Including the {$480.00} document fee and {$890.00} GAP insurance, the true finance charge should be {$9500.00}, rather than the amount stated in the original documents. 
This recalculation results in a total of payments of {$28000.00}, not the amount initially provided in the contract. 
Violations of TILA Disclosures and XXXX XXXX  : I believe there are additional issues with the disclosures provided undeXXXX XXXX XXXX XXXX XXXX XXXX XXXX which violate the Truth in Lending Act and may trigger the cooling-off period. These issues suggest the loan was not properly disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am filing a claim against the Zelle application due to no verification acknowledgement before funds were sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: MD

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating that the account is accurate, without a thorough investigation. This practice violates The Fair Credit Reporting Act ( FCRA ), 15.U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ) ,12.U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure that Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: 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 response to consumer: Closed with explanation