vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with XXXX XXXX. XXXX - Procedures in case of disputed accuracy, and XXXX XXXX. XXXX ( b ) - Compliance procedures to ensure maximum possible accuracy of the information. I recently reviewed my credit report and would like to ensure that all the information is XXXX  % correct and accurate.

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I can't go far back but i just had a recent one for XXXX and one for XXXX and they never refunded the money to my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-01-22 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
When I submit a dispute I never get the results and I never see any change in my credit.

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear CFPB, I am submitting a complaint regarding an issue with [ Name of Creditor/Lender ], who failed to notify me about the past-due status of my account. This failure has caused financial stress and potential harm to my credit score. 

Details of the Issue : Account Information : Account holder name : XXXX XXXX Summary of Events : On XX/XX/year>, I discovered that my account was marked past due. 
At no point prior to this discovery did I receive a notification, email, phone call, or written correspondence from the creditor informing me of the missed payment or the past-due status. 
Impact : The lack of notification has caused a negative mark on your credit report. 
Had I been notified promptly, I would have been able to take action to resolve the matter in a timely fashion. 
What Ive Done to Resolve the Issue : I contacted Credit Strong on XX/XX/year> to address this issue and was informed that it was my responsibility to track payments, regardless of their failure to notify me. Despite this, I believe that the creditor has an obligation under federal regulations, such as the Fair Debt Collection Practices Act ( FDCPA ) or other relevant consumer protection laws, to provide reasonable notice of a past-due status.

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 2025-01-22 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: GA

Complaint narrative:
Dear CFPB, I am submitting a complaint regarding an issue with [ Name of Creditor/Lender ], who failed to notify me about the past-due status of my account. This failure has caused financial stress and potential harm to my credit score. 

Details of the Issue : Account Information : Account holder name : XXXX XXXX Summary of Events : On XX/XX/year>, I discovered that my account was marked past due. 
At no point prior to this discovery did I receive a notification, email, phone call, or written correspondence from the creditor informing me of the missed payment or the past-due status. 
Impact : The lack of notification has caused a negative mark on your credit report. 
Had I been notified promptly, I would have been able to take action to resolve the matter in a timely fashion. 
What Ive Done to Resolve the Issue : I contacted XXXX XXXX  on XX/XX/year> to address this issue and was informed that it was my responsibility to track payments, regardless of their failure to notify me. Despite this, I believe that the creditor has an obligation under federal regulations, such as the Fair Debt Collection Practices Act ( FDCPA ) or other relevant consumer protection laws, to provide reasonable notice of a past-due status.

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 2025-01-22 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: GA

Complaint narrative:
Dear CFPB, I am submitting a complaint regarding an issue with [ Name of Creditor/Lender ], who failed to notify me about the past-due status of my account. This failure has caused financial stress and potential harm to my credit score. 

Details of the Issue : Account Information : Account holder name : XXXX XXXX Summary of Events : On XX/XX/year>, I discovered that my account was marked past due. 
At no point prior to this discovery did I receive a notification, email, phone call, or written correspondence from the creditor informing me of the missed payment or the past-due status. 
Impact : The lack of notification has caused a negative mark on your credit report. 
Had I been notified promptly, I would have been able to take action to resolve the matter in a timely fashion. 
What Ive Done to Resolve the Issue : I contacted Credit Strong on XX/XX/year> to address this issue and was informed that it was my responsibility to track payments, regardless of their failure to notify me. Despite this, I believe that the creditor has an obligation under federal regulations, such as the Fair Debt Collection Practices Act ( FDCPA ) or other relevant consumer protection laws, to provide reasonable notice of a past-due status.

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 2025-01-22 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
Received an amex card as a gift and have tried to use it three times at stores and online but have been unable to use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im stating that all 3 credit bureaus will not work with me : XXXX XXXX Equifax Victim of my full name complete address email addresses phone numbers passwords, ALL HAVE BEEN COMPROMISED and found on the DARK WEB

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im stating that all 3 credit bureaus will not work with me : XXXX Experian XXXX Victim of my full name complete address email addresses phone numbers passwords, ALL HAVE BEEN COMPROMISED and found on the DARK WEB

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 2025-01-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
I used Lexington Law Firm for credit repair with no results. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Services Group, Inc. d/b/a ConServe
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy of a collection account from Conserve ending in XXXX listed on my credit report. I believe that this reporting is not in accordance with the Fair Credit Reporting Act ( FCRA ) and is therefore inaccurate. 

The collection account in question was purchased by a collection agency for XXXX on the XXXX and is not being reported by the original creditor ( XXXX ), whom I settled the account with directly. The collection agency involved was not part of the original debt agreement or settlement, and as such, they should not be reporting this debt as if it were valid or paid through them. 

The inaccurate reporting of this debt by the collection agency is misleading and violates the FCRA requirements for accurate credit reporting. I request that the Consumer Financial Protection Bureau investigate this matter, as I believe the collection account is being reported incorrectly by the credit bureaus and should be removed immediately. 

I have already submitted a dispute to the credit bureaus, but I am seeking your assistance to ensure that this error is corrected and that my credit report accurately reflects the settlement I made with the original creditor. 

Thank you for your attention to this matter. Please let me know if you require any additional information or documentation to assist with the resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: WA

Complaint narrative:
Zelle would delay in the transfer of funds not posting until weeks later and sometimes to wrong accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: NV

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Uprova Credit, LLC
State: AZ

Complaint narrative:
I was struggling to pay my rent and this was the only lender that would approve meso I took it out of desperation.they will be deducting XXXX every XXXX weeks from my pay and when I agreed I thought it was XXXX every month the interest for this loan 547 % in which Ill end up paying XXXX at the end of my loan period which is in XXXX I also wasnt given any other options other then direct debit about how to pay the loan off but the loan documents show other options

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 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
There trying to collect a debt from me and my name on the account isn't even spelled correctly I've never in my life seen XXXX spelled XXXX and didn't the party take any kind of identification before opening the account????

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Khols charge card acct written off in XX/XX/year>. Reported on my credit report late as of XX/XX/year>. While trying to speak with them was hung up on. Tried to file dispute. XXXX stated account is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: MO

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: VA

Complaint narrative:
My student loan provider is duplicating my student loans, I only have one student loan. But they continue to duplicate on XXXX XXXX  of Credit Reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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:
I am writing to formally address a concern I have regarding multiple overdraft fees that were applied to my account at Navy Federal Credit Union. Despite maintaining sufficient funds at the time my transactions were authorized, I have been charged fees due to delays in the posting of charges and credits.

This situation appears to be consistent with recent findings from the Consumer Financial Protection Bureau ( CFPB ) which highlighted similar practices by Navy Federal, where transactions were settled at times when the account balance was insufficient, despite available funds at the point of authorization.

I believe that these practices may be unfair and detrimental to members. Therefore, I kindly request a thorough investigation into the transactions on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: January Technologies, Inc
State: TX

Complaint narrative:
This company keep harrasing me with emails daily about a debt that they claimed I owe. I filed a complaint with Idenity Theft.gov. Asked company to cease and decease contact with me. Company keeps emailing me regard setting up payment arrangements to clear so called debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-22 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 dispute 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 systematic issues, such as failing to forward consumer provided evidence to furniture, excepting unreliable responses, and failing to adequately, notify consumers of dispute outcomes. These failures aligned 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 in action, 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 2025-01-22 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: PA

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 inquires 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 and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible.

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