vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
On XX/XX/XXXX i sent Certified letters out to MIDLAND CREDIT MANAGEMENT ( XXXX # XXXX XX/XX/XXXX FOR {$470.00}, ) and on XX/XX/XXXX i sent XXXX XXXXXXXX XXXX {$1100.00} XXXX # XXXX XXXXXXXX XXXX XXXX XXXX Date XX/XX/XXXX which is a medical bill and medical bills are banned.. i sent MIDLAND & XXXX XXXXXXXX A validation of debt and cease and desist and they are still reaching out to me and reporting this on my credit reports 15 USC 1692b cease and desist AND ALSO XXXX XXXX XXXX XXXX # XXXX balance {$6100.00} -- XXXX place for collections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MI

Complaint narrative:
I received notice that chime was ending my banking relationship and closing account on XX/XX/scrub>XXXX XXXX XXXX  I spoke with them several times asking for a reason why because I felt this was an error. Chime said theyd mail a letter detailing everything to me. What they sent was a letter stating my account was closed without explanation ( emailed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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

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 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 2025-01-25 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: NY

Complaint narrative:
I am writing to address the inaccurate reporting of the account XXXX XXXX XXXX XXXXXXXX on my credit report. This account is currently listed as CollectionOrChargeOff, with an opening date of XXXX, a last activity date of XXXX and was last verified on XXXX This inaccurate information is obstructing my ability to secure necessary financing and favorable loan conditions. As outlined in 15 U.S.C. 1681c ( a ), it is imperative that credit reporting agencies maintain accurate and timely information on consumers. I request that you provide all supporting documentation used to verify this accounts accuracy, along with proof of the alleged {$2500.00}, which I dispute. The legal precedent set by XXXX XXXX Trans Union XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) emphasized the need for a detailed investigation into disputed items. Similarly, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) clarified that agencies can not merely rely on creditor-provided information without conducting their own verificationIt shows dates XXXX and XXXX. This error is affecting my financing opportunities. Under 15 U.S.C. 1681s-2, you are required to provide accurate information. I request the deletion of this account and proof of the $ XXXX.The data for this account appears to be inaccurate or inconsistent with the established reporting standards of XXXX. I would like you review it again and prove that everything is true, accurate, complete & timely! If not able to adhere to these compliance requirements please remove my profile 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 non-monetary relief
Consumer complaint received 2025-01-25 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: DE

Complaint narrative:
Description of what happened : On XX/XX/XXXX, I discovered multiple unauthorized inquiries on my credit report from various companies. These inquiries were not authorized by me, and they are negatively impacting my credit score and overall financial standing. On XX/XX/XXXX, I contacted the credit bureau to dispute these inquiries and formally requested their removal. However, I did not receive any response or resolution. I followed up with additional emails on XX/XX/XXXXXXXX XXXX XXXX but I still have not been provided with any updates or assistance. 

These unauthorized inquiries need to be addressed promptly to prevent further harm to my creditworthiness. 

Details of the unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amounts involved : There are no direct financial amounts associated with these inquiries. However, they are negatively affecting my credit score and financial standing, which could impact my ability to obtain credit or favorable terms in the future. 

I kindly request an immediate investigation and the removal of these unauthorized inquiries from my credit report.

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 2025-01-25 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: DE

Complaint narrative:
Description of what happened : On XX/XX/XXXX, I discovered multiple unauthorized inquiries on my credit report from various companies. These inquiries were not authorized by me, and they are negatively impacting my credit score and overall financial standing. On XX/XX/XXXX, I contacted the credit bureau to dispute these inquiries and formally requested their removal. However, I did not receive any response or resolution. I followed up with additional emails on XX/XX/XXXX, but I still have not been provided with any updates or assistance. 

These unauthorized inquiries need to be addressed promptly to prevent further harm to my creditworthiness. 

Details of the unauthorized inquiries : XXXX. XXXX : XXXX  XXXX - Reported on : XX/XX/XXXX XXXX. XXXX : XXXX  XXXX - Reported on : XX/XX/XXXX XXXX. XXXX : XXXX - Reported on : XX/XX/XXXX XXXX. XXXX : XXXX - Reported on : XX/XX/XXXX XXXX. XXXX : XXXX XXXX - Reported on : XX/XX/XXXX XXXX. XXXX : XXXX XXXX - Reported on : XX/XX/XXXX XXXX. XXXX : XXXX  XXXX - Reported on : XX/XX/XXXX XXXX. XXXX : XXXX XXXX - Reported on : XX/XX/XXXX XXXX. XXXX : XXXX  XXXX - Reported on : XX/XX/XXXX XXXX. XXXX : XXXX- Reported on : XX/XX/XXXX XXXX. XXXX : XXXX - Reported on : XX/XX/XXXX XXXX. XXXX : XXXX  XXXX - Reported on : XX/XX/XXXX XXXX. XXXX : XXXX XXXX - Reported on : XX/XX/XXXX XXXX. XXXX : XXXX - XXXX on : XX/XX/XXXX XXXX. XXXX : XXXX XXXX  - Reported on : XX/XX/XXXX Dates and actions taken : Date of discovery : XX/XX/XXXX Date of initial contact with the credit bureau : XX/XX/XXXX Follow-up action : Sent emails on XX/XX/XXXX Amounts involved : There are no direct financial amounts associated with these inquiries. However, they are negatively affecting my credit score and financial standing, which could impact my ability to obtain credit or favorable terms in the future. 

I kindly request an immediate investigation and the removal of these unauthorized inquiries from my credit report.

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 2025-01-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX ca XXXX LAST 4 SSN : XXXX FTC Report Number : XXXX EXPERIAN have to remove immediately the credit inquiries that I never recognize on my credit report that is fraud and they have to remove it ASAP. Those credit inquiries not done by me and i did not apply for none of those creditors so please remove it immediately from my credit report, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-01-25 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:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

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 2025-01-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: King of Credit Financial, Inc
State: FL

Complaint narrative:
Dispute Regarding Overbilling and Unfair Placement on XXXX XXXX XXXX List I am writing to formally dispute the billing and my placement on the XXXX XXXX XXXXXXXX list, which I believe has been applied unfairly and without proper explanation. I have made multiple attempts to seek clarification on this matter, with promises of callbacks and resolution, yet to date, I have received no meaningful response. 

This situation is both frustrating and disheartening, particularly given my role as the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  was designated as the main rental car provider for the businesses in this district, following the significant federal funding I secured for the cities of XXXX XXXX and XXXX. It is disappointing to experience such a lack of resolution, especially after placing trust in your company for such a vital partnership. 

My rental contract contains discrepancies that require immediate review and correction. Despite my patience and repeated efforts to address this issue, I have been placed on the XXXX XXXX XXXX list without explanation, further compounding my frustration. 

I respectfully request an urgent review of my account and the issues with my rental contract, along with a detailed explanation of the reasons for my placement on the XXXXXXXX XXXX  XXXX list. I hope this matter can be resolved promptly and professionally to restore my trust in dollar rental. I am still missing my phone also from them taking a car. 

Thank you for your attention to this urgent matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: MN

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 am a victim of XXXX XXXX XXXX  XXXX XXXX and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items 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 XXXXXX/XX/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 2025-01-25 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: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate late payment information that is being reported on my credit report by EXPERIAN with XXXX XXXX After reviewing my credit report, I discovered that this account is incorrectly marked with late payments for the months of XX/XX/year> AS A LATE PAYMENT. WHE N THE OTHER CREDIT AGENCIES ARE REPORTING OTHERWISE I firmly believe these late payments are inaccurate for the following reasons : I WILL ATTATCH A SCREEN SHOT WITH THIS REPORT According to the Fair Credit Reporting Act ( FCRA ), I have the right to have accurate information reflected on my credit report. Since these late payments are not accurate, I request that they be thoroughly investigated and promptly removed. 

I kindly ask that you contact EXPERIAN to verify the accuracy of these late payments, and I request that you take appropriate action to ensure that my credit report reflects only accurate information. 

I appreciate your attention to this matter and trust that this issue will be resolved promptly.

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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: MS

Complaint narrative:
I was informed of the mishandling of the Zelle account associated with XXXX XXXX. Ive used that account for several years unaware of the lack of security. Account # XXXX Routing # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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:
Using the governments website I obtained my credit report from the big 3. Equifax had my name wrong so I tried to dispute it. I included a picture of my driver 's license in the dispute. They closed the dispute a couple of days later and said I needed to submit documents that identified me, such as a driver 's license. It was not obvious how to send these in after the dispute was made ( even though I had already done it ).

I tried again a day or two later. This time I included a picture of my driver 's license and my SS card. The result was the exact same as before.

It is frustrating, because all of the information in the report uses my correct name. The only spot it is wrong is what is listed for my primary name on the Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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 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 24 hours stating the account is inaccurate, without providing any evidence of 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked as inaccurate : Account Name : XXXX  XXXX  Account Name : XXXX XXXX Account Name XXXX XXXX XXXX Inquiry Details/Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/year> Inquiry Details/Name XXXX XXXX XXXX Date of inquiry : XX/XX/year> Inquiry Details/Name : XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Inquiry Details/Name : XXXX XXXX XXXX  XXXX  Date of inquiry : XX/XX/year> Inquiry Details/Name : XXXX XXXX Date of inquiry : XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I tried disputing these hard inquiries off my credit from all 3 bureaus and havent been successful removing all these inquiries I have not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I tried disputing these hard inquiries off my credit from all 3 bureaus and havent been successful removing all these inquiries I have not done.

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 2025-01-25 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: PA

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a through investigation. This practice violates the Fair Credit Reporting Act FCRA, 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the CFPA 12 U.S.C. 5536 ( a ) ( A ) ( 1 ) - ( B ) as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof.

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 2025-01-25 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: TX

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 2025-01-25 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: GA

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 24 hours stating the account is accurate, without providing any evidence of 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation