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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I tried to make a payment from my XXXX XXXX which is tied to my credit union savings account. There is plenty of money in the account to cover the amount that I intended to transfer. I initially contacted my credit union, and they have indicated they can't see any attempts have been made or being blocked by them. I contacted XXXX  via phone today and asked why my payment had been paused. They couldn't provide with an acceptable reason, nor were they able to do anything for me. I understand today 's world that we all need to be careful, but Venmo should have a means to release my funds with the proper authorizations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I had an account through XXXX in 2019, I got a few items totalling {$500.00}, I made my payments and noticed that my account information was incorrect so I emailed customer service. I told them that I had been making the payments but the balance wasn't going down, I received an email from customer service saying that my account was paid in full. In the last year I have been getting harassed by phone, email and letters from Midland Credit Management saying that I have been turned over to collections and that I owe the full {$500.00}. I tried to dispute the claim on XXXX XXXX and was told that the debt is valid and that I have to pay it. I told them that I have the email from XXXX saying that it was paid in full and they said it's not possible. I contacted XXXX customer service and asked them about the issue and they said that I have to deal with MCM now. I told them that I believe it's fraud because I have the email they sent stating that it's paid in full but they then turned it over to collections like I never made a payment, they stopped responding to my email when I said it was fraudulent. MCM calls my home and cell phone multiple times a week, I have tried to send them the email from XXXX but the email address they harrass me from isn't monitored and they refused to give me an email address to send it to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Received a letter in the mail explaining that credit card is unable to be opened due to unsuccessful credit check. 

Application was submitted XX/XX/year> Filed a dispute and requested additional information with no 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed serval inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed serval inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
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:
Iam writuing to file a complaint against navy federal credit union regarding multiple overdraft charges I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent Don findings against nfcu for similar practices, where transactions were 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 — Account information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I write to dispute in its entirety the charge for {$2900.00} as well as the balance transfer fee of {$87.00}. The reason for my dispute is that Citi failed to send a balance transfer to my correct XXXX card Acct. No. XXXX XXXX XXXX XXXX. I believe that Citi stated that the funds were sent to another discover account with a one digit different at the end and that they have no policies or procedures in place to prevent incorrect transfers like this. They asked me to contact XXXX to give them permission to speak with Citi to correct the charge and I did just speak with XXXX and they notated the account accordingly but said that Citi needs to file a billing dispute with discover. 

As the records I sent Citi say, I paid off my XXXX account because the balance transfer never came through to my account and that I closed my discovery account. There were no further charges made to it. 

In addition, XXXX, XXXX, and XXXX refuse to correct the Citi tradeline. 

All of these entities are causing me harm including adverse credit events.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Multiple attempts to resolve the fraudulent and inaccurate information on my consumer report have been unsuccessful, leaving me in an increasingly distressing situation. As a victim of identity theft, I never authorized these entries to be associated with my name, yet their continued presence has caused profound disruption to my life, generating significant stress and anxiety while undermining my financial stability.

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 card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I paid my account off in full in the amount of {$5500.00} XX/XX/XXXX the same day after my payoff of the full balance Capitol One charged interest in the amount of {$110.00} leaving an account balance in the amount of {$110.00}. 

I immediately called Capitol One to request the interest charge be reversed. I spoke with a customer service representative who was unable to assist me and forwarded me to her manager XXXX ( XXXX ). I explained to XXXX the reason for my call and my request, she stated that the charge was valid despite my payment of {$180.00} XX/XX/XXXX & my payment in full XX/XX/XXXX claiming it was interest from XX/XX/XXXX to XX/XX/XXXX. I expressed my concern that this amount was not in the pay if full amount shown on the account online to which XXXX told me I should have called to get a full pay off amount. 

This has never been the practice of paying off in full in the past and no explanation was provided as to why it changed. I asked to speak with someone higher and XXXX refused to transfer me. She also refused to reverse a charge to my account after it was paid in full based on my statement. I am simply requesting that Capitol One does the right thing and reverse the {$110.00} interest charge applied to my account after being paid in full.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX [ XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : Dispute Letter Regarding Noncompliance and Negligence Under 15 U.S.C. 1681o I am writing to formally dispute the inaccurate and negligent handling of my credit information, which has caused harm to my financial standing. Pursuant to 15 U.S.C. 1681o, I am holding your institution liable for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ).

Details of Dispute : Issue : [ Describe the specific negligence, such as failure to investigate a dispute, failure to correct an error, unauthorized disclosure, or mishandling of data. ] Affected Account ( s ) : [ List account names, numbers, or institutions involved. ] Date of Incident : [ Provide the date when the issue occurred or was discovered. ] Violation of 15 U.S.C. 1681o : Under 15 U.S.C. 1681o, a credit bureau or entity that fails to comply with the FCRA due to negligence is liable for actual damages suffered by the consumer, as well as potential legal costs and attorney fees. Your failure to [ explain the specific noncompliance, such as failing to investigate or correct an error ] constitutes a direct violation of this statute. 

Requested Resolution : I demand the following actions be taken immediately : 1. Correction or removal of the inaccurate information from my credit file.

2. A written explanation of the steps taken to resolve this dispute.

3. Compensation for damages incurred due to your negligence ( if applicable ).

If you fail to take corrective action within 30 days, I will be left with no choice but to pursue further legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action for damages under 15 U.S.C. 1681o. 

Please respond in writing to confirm your compliance with this request. A failure to act promptly will further demonstrate willful disregard of your legal obligations. 

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 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I filed a dispute on incorrect information for my credit report. The below accounts were disputed but not carefully handled/reviewed. 

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. 

Experian failed to follow up with an investigation and also failed to follow back up with me period. This is a clear violation of the FCRA act under section 15 U.S.C 1681i This negative and incorrect reporting is affecting my everyday life. I am unable to get a new house or car because of these derogatory marks on my credit. There hasnt been any attempt to reach out to me or correct the information from experian. Under section 605b states that any fraudulent or incorrect information should immediately be removed. I gave them 5 weeks and still no response. This is my last luck to finally get removed what I am not responsible for! The only thing I can do beyond this is take this to Legal Damages Ive tried everything else. Please reach out to me at your earliest convenience, thank 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 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: EQUIFAX, INC.
State: IL

Complaint narrative:
IN XXXX XXXX  XXXX, ON MY EQUIFAX, XXXX AND XXXX CREDIT REPORT AN ACCOUNT NAME XXXX XXXX XXXX, HAS AN OUTSTANDING BALANCE OF {$2300.00}. 

IN XXXX OF XXXX, ON MY EQUIFAX, XXXX AND XXXX CREDIT REPORT AN ACCOUNT NAME XXXX XXXX XXXX, HAS AN OUTSTANDING BALANCE OF {$2200.00} IN XXXX OF XXXX, ON MY EQUIFAX, XXXX AND XXXX XXXX XXXX AN ACCOUNT NAME XXXX XXXX, HAS AN OUTSTANDING BALANCE OF {$3100.00}. 

IN XXXX OF XXXX ON MY EQUIFAX, XXXX AND XXXX CREDIT REPORT AN ACCOUNT NAME XXXX XXXX XXXX, HAS AN OUTSTANDING BALANCE OF {$920.00}. 

IN XXXX OF XXXX, ON MY EQUIFAX, XXXX, AND XXXX XXXX XXXX AN ACCOUNT NAME XXXX XXXX XXXX, HAS AN OUTSTANDING BALANCE OF {$880.00}, IN XXXX OF XXXX A BALANCE OF {$820.00}. 

I HAVE DISPUTED THESE ITEMS NUMBEROUS TIMES AND SENT SEVERAL DISPUTES. 

THESE COMPANIES ( EQUIFAX, XXXX AND XXXX ) IMPROPERLY OBTAINED AND USED MY CREDIT REPORT FOR PURPOSES NOT AUTHORIZED BY LAW. I DID NOT AUTHORIZE NEITHER OF THESE COMPANIES TO ACCESS MY CREDIT REPORT. THE UNAUTHORIZED USE OF MY CREDIT REPORT IS A SERIOUS VIOLATION OF MY PRIVACY RIGHTS AND THE FAIR CREDIT REPORTING ACT ( FCRA ).

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: AZ

Complaint narrative:
Spoke with an agent on XX/XX/year> from Exeter Finance. I informed her of the issue having due to a Hardship ( loss of income and job ). She put in a request to have a deferment on my account and the account would NOT GO PAST DUE. She said it would be APPROVED and once approved someone would contact me. Exeter Finance denied the deferment. Which has now caused me to go past due. This was 100 % misleading by the Agent and Exeter Finance. Today ( XX/XX/year> ) XXXX the XXXX ( id XXXX ) REFUSED to do anything about listening to the call to confirm details. Instead he continue to request a date of when I would be able to pay the amount in full since it is now PAST DUE. I requested a copy of " call '' they attempted to make to inform me. Again XXXX the XXXX ( id XXXX ) refused to help

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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a dispute on XX/XX/year> they denied my dispute right awy

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: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I received and email from the national credit system says that I owe them XXXX XXXX for replacing and take out trash from an apartment I had moved out in XX/XX/year>. They have yet showed or written documentation that shows this information is accurate.

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: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute fraudulent accounts and/or transactions that have appeared on my credit report due to identity theft. Pursuant to 15 U.S.C. 1681c-1 ( 605B ) of the Fair Credit Reporting Act ( FCRA ), I am requesting the blocking of fraudulent information from my credit file, as this information is the result of identity theft and was not authorized by me.

The fraudulent account ( s ) in question are : 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 XXXXXXXX Under 15 U.S.C. 1681c-1 ( 605B ), I am entitled to have this fraudulent information blocked from my credit report within four ( 4 ) business days of Equifaxs receipt of this request, provided I submit the necessary documentation. As required by law, I have included the following : 1. A copy of a valid government-issued identification card Since I have provided the necessary documents to confirm the fraudulent nature of these accounts, I expect Equifax to block this information from my credit report immediately and provide written confirmation of its removal within the legally required timeframe.

Failure to comply with my request will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue further legal action.

I appreciate your immediate attention to this serious issue. Please send all correspondence regarding this dispute to my mailing address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation