vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 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: CA

Complaint narrative:
CFPB, can you please make them remove these negative accounts that's infecting my consumer credit report. Under consumer code 15 USC 1681eb. According to the IRS canceled debt a ( CHARGE OFF ) is gross or ordinary income. Income doesn't get reported on your consumer report. Since income doesn't get reported on your consumer report. A ( CHARGE OFF ) is a inaccurate account and it have to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in which this account was sold to XXXX XXXX XXXX and they are still illegally reporting this account that doesn'tbelong to them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThank you.

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 2025-02-07 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: SC

Complaint narrative:
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 2025-02-07 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: IL

Complaint narrative:
Opened XXXX XXXX, XXXX XXXX XXXX  credit card balance {$12000.00} Opened XXXX XXXX, XXXX XXXX credit card balance {$21000.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXXXXXX credit card balance {$2600.00} Opened XXXX XXXX, XXXX XXXX XXXX balance {$1200.00} Opened XXXX XXXX, XXXX XXXXXXXX XXXX XXXX balance {$1000.00} Opened XXXX XXXX, XXXXXXXX XXXX balance {$2200.00} XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX  balance {$5700.00} Opened XX/XX/XXXX XXXX XXXX balance {$640.00} Opened XX/XX/XXXX XXXX XXXX balance {$490.00} Opened XXXX XXXX, XXXXXXXX XXXX XXXX balance {$0.00} Opened XXXX. XXXX, XXXX First national bank balance {$4100.00} Opened XXXX XXXX, XXXX XXXXXXXX XXXX balance {$0.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX {$390.00} Opened XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX balance {$9300.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX balance {$9500.00} Opened XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  balance {$1200.00} Opened XXXX XXXX, XXXX XXXX XXXX credit balance {$580.00} All of these are a result of identity theft and fraud And reported it to FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: IL

Complaint narrative:
Opened XXXX XXXX, XXXX XXXX XXXX  credit card balance {$12000.00} Opened XXXX XXXX, XXXX XXXX credit card balance {$21000.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXXXXXX credit card balance {$2600.00} Opened XXXX XXXX, XXXX XXXX XXXX balance {$1200.00} Opened XXXX XXXX, XXXX XXXXXXXX XXXX XXXX balance {$1000.00} Opened XXXX XXXX, XXXXXXXX XXXX balance {$2200.00} XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX  balance {$5700.00} Opened XX/XX/XXXX XXXX XXXX balance {$640.00} Opened XX/XX/XXXX XXXX XXXX balance {$490.00} Opened XXXX XXXX, XXXXXXXX XXXX XXXX balance {$0.00} Opened XXXX. XXXX, XXXX First national bank balance {$4100.00} Opened XXXX XXXX, XXXX XXXXXXXX XXXX balance {$0.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX {$390.00} Opened XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX balance {$9300.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX balance {$9500.00} Opened XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  balance {$1200.00} Opened XXXX XXXX, XXXX XXXX XXXX credit balance {$580.00} All of these are a result of identity theft and fraud And reported it to FTC

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The late payment remark on my credit report is negatively impacting my FICO score, and I am requesting its removal to ensure my credit profile accurately reflects my financial responsibility. Payment history accounts for approximately 35 % of my FICO score, making it the most significant factor in credit scoring. A single late payment can cause a substantial drop in my score, especially if I previously had a strong payment record.

This inaccurate late payment is unfairly lowering my creditworthiness and affecting my ability to secure financial opportunities, such as obtaining a loan or favorable interest rates. Additionally, lenders and financial institutions rely on FICO scores to assess risk, and this incorrect remark could result in higher borrowing costs or even denials of credit applications.

I am formally disputing this error under the Fair Credit Reporting Act ( FCRA ), which grants me the right to challenge inaccurate or unverifiable information on my credit report. If the late payment can not be verified or is incorrect, it must be removed. Furthermore, I am requesting a goodwill adjustment from the creditor, as I have a history of responsible financial management, and this late payment does not accurately represent my reliability.

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 2025-02-07 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: FL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: OH

Complaint narrative:
I would like to request the complete and timely expungement of some fraudulent accounts in my credit profile, but I have not confirmed or accepted that these are accurate. I am disputing this under 623 FCRA 605b FCRA. I dispute the METRO 2 standards are followed on these claims and demands for payment. Please remove any negative information being reported immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. I looked at my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e, 15U.S. code 1666b Timing of payments.

Whenever a consume reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. PLEASE DELETE THE FOLLOWING ACCOUNTS : 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 explanation
Consumer complaint received 2025-02-07 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: OH

Complaint narrative:
I would like to request the complete and timely expungement of some fraudulent accounts in my credit profile, but I have not confirmed or accepted that these are accurate. I am disputing this under 623 FCRA 605b FCRA. I dispute the METRO 2 standards are followed on these claims and demands for payment. Please remove any negative information being reported immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. I looked at my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e, 15U.S. code 1666b Timing of payments.

Whenever a consume reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. PLEASE DELETE THE FOLLOWING ACCOUNTS : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: Exeter Finance, LLC.
State: CO

Complaint narrative:
Exeter finance submitted a fraudulent response to CFPB on a complaint that I submitted in XX/XX/scrub> 2025. Clearly, the representative at the XXXX XXXX XXXX XXXX did not review the full complaint or see the documentation that was attached. In fact, Exeter has continued to have a late payment comment placed on my credit report. I spoke with the woman who responded to the most recent CF0B complaint that I submitted on XX/XX/year>2025 ansld she is clearly aware she submitted a false statement to CFPB and that there is correction that is needed on my credit reports. This is now the fourth complaint that I am submitting against Exeter. I am demanding that you all remove the late comment. As I have continued to furnish proof that it is still existing on my credit reports if this is not done bye. XX/XX/year>2025, I will be filing a civil complaint and seeking punitive damages. As you all have already admitted that the information should not be there. Yet you all have taken no action to remove the comment after nearly 3 years. This is unacceptable. Exeter has made no effort to contact me or genuinely resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: AR

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: DE

Complaint narrative:
I joinedXX/XX/XXXXin the military around the year XXXX. I connected an investment account to this investment account. Navy Federal credit union acquired XX/XX/XXXXsometime later. I had a checking account and there was no minimum fee. At the beginning of XX/XX/XXXX the financial product was changed. I was then charged {$5.00} a month. My account was being drawn to XXXX. 

At this time, health problems have caused me to sell investments to cover living costs. It has been very difficult accessing my funds. I having been charges fees for using the money. To this time Navy Federal continually makes it difficult to use the funds whether great or small. I recently tried to pay on a credit card and was denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC
State: NC

Complaint narrative:
When card was opened XXXX the interest rate was XXXX. 

According to there agreement, I quote " Changes in Agreement Terms. We can change any term of this agreement, including the rate at which or manner in which " Interest Charges, '' Fees and Other Charges are calculated, in our sole discretion, UPON SUCH NOTICE TO YOU AS REQUIRED BY LAW. '' At our Option, any change will apply both to you new activity and to your outstanding balance when the change is effective as permitted by law. 

I was not given proper notification of interest rate increase, let alone 4 increases in 6 months.

Under the Credit Card Accountability, Responsibility and Disclosure ( CARD ) Act of XXXX, credit-card issuers must inform you 45 days prior to any increase in your interest rate and fees, or certain other changes in terms and conditions. 

XX/XX/XXXX - 29.99 % XX/XX/XXXX 30.24 % XX/XX/XXXX 30.24 % XX/XX/XXXX 30.74 % XX/XX/XXXX 31.49 % XX/XX/XXXX XXXX XX/XX/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
Consumer complaint received 2025-02-07 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-02-07 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-02-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: Premier Auto Credit
State: CA

Complaint narrative:
I financed my vehicle through XXXXXX/XX/XXXXXXXX and made multiple payments toward my loan. My account was later transferred to Premier Auto Credit, but the loan balance they claim I owe is incorrect. 

I never received proper notice from either XXXX XX/XX/XXXXXXXX or Premier Auto Credit regarding this loan transfer. I was not informed of the transfer terms, remaining balance, or any changes to my account. 

Additionally, Premier Auto Credit repossessed my vehicle without providing proper notice. I was not given the required legal notice before or after the repossession, and I was not informed of my rights regarding the vehicle or any potential redemption options. 

I have records showing my payments, but Premier Auto Credit has not properly credited them or provided a clear breakdown of my balance. I have attempted to dispute this with them, but they have failed to correct the issue. 

I am requesting that the CFPB investigate this matter and that Premier Auto Credit provide an accurate statement of my loan reflecting all payments made, along with proof of proper notice regarding both the loan transfer and the repossession.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation