vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the XXXX credit reporting agency XXXX XXXX credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of XXXX ( Account Number : XXXX ) o Current Balance : {$6100.00} o Status : Closed, " Charged Off as Bad Debt '' o Last Payment Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX ( Account Number : XXXX ) o Balance : {$200.00} o Past Due : {$88.00} o Status : Closed, " 120 Days Past Due '' o Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) o Original Creditor : XXXX XXXX o Balance : {$210.00} o Status : Collection Account, " Paid Off '' XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) o Original Creditor : XXXX XXXX o Balance : {$390.00} o Status : Collection Account, " Paid Off '' XXXX. XXXX ( Account XXXX XXXX ) XXXX. XXXX ) Account XXXX XXXX ) XXXX. XXXX ( Account XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX Account Number XXXX ) These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a cop of FTC Identity Theft 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: CA

Complaint narrative:
On my Experian credit report there is an address associated with me that I have never lived at it. I am in process of leasing a new apartment and I have been denied since my address history information came back with this discrepancy. 

I need this home address to be removed from my Experian report immediately, I have tried to dispute this wrong address online but Experian doesn't allow me to do. 

The address that needs to be removed is XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Experian credit report # XXXX. Address ID : 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 2025-01-16 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: CA

Complaint narrative:
I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred. Despite having insufficient funds when transactions where authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into 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 2025-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Capitol One credit card didn't have appropriate or additional dispute actions so I put down cancellation of subscription, I canceled my yearly subscription with XXXX XXXX months prior to the auto-renewal date within my profile page and didn't think to screen shot the at least XXXX pages they make you go through to cancel, so I had no digital proof. This was my initial dispute with Capitol One with XXXX XXXX  I also raised a verbal dispute because they wouldn't allow another dispute or for the XXXX XXXX to be amended to include breach of contract was NOT an option. XXXX XXXX  contract states under renewal that XXXX XXXX  would notify clients of their auto-renewal date subscription, which they did NOT. I forwarded the XXXX XXXX XXXX to Capitol one and the supervisor said their was nothing they could do, because this wasn't an option for a dispute. I was charged XXXX on XX/XX/year> for another year of service that I don't use.. I believe the renewal statement is in bold print on page XXXX of XXXX XXXX XXXX..Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX had been stonewalling me for documentation that they are required to provide to keep deleterious credit information on my report. They only substantiate the case with their own claims and now refuse to further reply ( attached ) as they " consider the matter closed. 

I did not make these charges. I did not live at the address where the bills ro notices were sent. They have been informed of this and refuse to provide me with the debt purchase agreement from XXXX. 

I have submitted the FTC Identity Theft complaint and the case number for the XXXX, Missouri Police Department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Good day, I can not overstate how frustrating and overwhelming this situation is. Waking up to discover a debt that is unverified, unfamiliar, and not mine has been a nightmare. On top of that, Ive been bombarded with harassing messages from various channels, using different tactics, and even receiving threats of legal actionsomething I never imagined facing. As a law-abiding citizen, this blatant violation of my consumer rights is both insulting and disheartening. The mental and emotional toll has been immense, leading to sleepless nights and constant XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : My current legal name is XXXX XXXX XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX. I request that my name be updated to reflect the correct information. 
Address : My current residential address is : XXXX XXXX XXXX XXXX XXXX, Fl, XXXX, but my credit report shows an outdated address as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX 

I request that my current address be updated accordingly. I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes. 

I appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me via email XXXX. Thank you for your cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: NV

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights 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 2025-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I have been waiting for at least 5 months to receive a refund of my overpayment, totaling {$340.00}. When I inquired about the status some months ago, I was informed that these refunds are issued automatically. However, I still have not received my refund. 

I asked if the overpayment could be applied to the balance of another loan to help offset accruing interest, but I was told this is not possible. I find it concerning that my other loans are accumulating interest while Mohela retains my funds, which could have been applied to reduce my loan balance and corresponding interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: NC

Complaint narrative:
I have been charged overdraft fees when my account said it was positive but then posted after the fact that it was too low. I dont have all the dates as my account only goes back 30 days but Ive been a member since XX/XX/2017 and have been charged XXXX  if not XXXX  since then.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle 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 CFPBs 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 unexceptionable and raises serious concerns about our consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: TX

Complaint narrative:
I am writing to file a complaint against Navy Federal Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fee due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be 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.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal has charged me several times for OOPS. Sometimes even charging me twice for a purchase. The reasoning for signing up with OOPS was to protect me from overdraft charges but clearly I was still being charged more than if not the same amount if I didn't have the protection. I have attached charges that were added to my account. This is unfair and defeats the purpose of the protection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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:
Hi, I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: NJ

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. 
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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
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 2025-01-16 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: MO

Complaint narrative:
I am submitting this complaint because I have two authorized user accounts that are incorrectly reporting on my credit profile. These account do not belong to me, and I have requested to be removed from them as an authorized user.

I have contacted both the credit card company and the credit bureaus multiple times to request the removal of this account, but it remains on my report. This inaccurate reporting is negatively affecting my credit and causing unnecessary stress. 

I am requesting your assistance in investigating this matter and ensuring that the account is removed from my credit profile as soon as possible. 
Thank you for your attention to this issue.

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 2025-01-16 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: MO

Complaint narrative:
I am submitting this complaint because I have two authorized user accounts that are incorrectly reporting on my credit profile. These account do not belong to me, and I have requested to be removed from them as an authorized user. 

I have contacted both the credit card company and the credit bureaus multiple times to request the removal of this account, but it remains on my report. This inaccurate reporting is negatively affecting my credit and causing unnecessary stress. 

I am requesting your assistance in investigating this matter and ensuring that the account is removed from my credit profile as soon as possible. 
Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XX/XX/XXXX Ss # XXXX Experian XXXX XXXX XXXX XXXX Tx XXXX XXXX To Whom It May Concern, I filed Several CFPB COMPLAINTS regarding my credit profile which Experian has not provided the information that I requested in regards to their dispute investigation process or provided the documentation I requested which include original court documents and my wet signature, regarding the XXXX  XXXX Bankruptcy filed XX/XX/XXXX case # XXXX, XXXX  XXXX filed XX/XX/XXXX case # XXXX and XXXX  XXXX file XX/XX/XXXX case # XXXX. I was a victim of XXXX XXXX and identity theft which I provided the appropriate information ( self attest letter ) to Experian which I believe wasn't investigated. This has caused further damage to my life and the inability to acquire basic essentials required to live a normal life such as housing or employment. Im a Victim of XXXX XXXX  and the public records that appear in this complaint are a result of that trafficking. Please block this information from my credit report within four business days pursuant to section 605c of the fair credit reporting act. Thanks in advance for your timely response to this request. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation