vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: MI

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian 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, Experian 's actions may also contravene the consumer Financial Protection Act ( CFPA ). I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I made purchases with XXXX XXXX for groceries, during the transaction I paid for the entire amount which comes out of the account automatically after the actual order is made based off the stores inventory whatever is not available is then suppose to be refunded to the same payment method the original purchase was made. After several purchases and missing items after checking with door dash ( see attached ) I was informed the refund was already made and processed and to follow up with the bank if it was an issue. I file a claim with navy federal reporting the missing funds and my claims were denied, so I never received any refunds. All amounts are in the attachments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: VA

Complaint narrative:
Here is the list of fraudulent inquiry : XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-01-31 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: CA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment
on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-01-31 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: National Credit Adjusters, LLC
State: MI

Complaint narrative:
I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed accounts on my XXXX, XXXX, and XXXX credit report.National Credit Adjust opened XX/XX/XXXX, National Credit Adjust opened XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I had two fraudulent charges for {$270.00} & {$260.00} while on Holiday in XXXX XXXX XXXX XXXXXXXX. Upon realizing the charges the next day, I called Bank of America to let them know to disable my card and those charges were not mine. No record of the charge/store or person and they've determined that the charge is valid. 
They refuse to send me proof even though I noticed the charge and let them know IMMEDIATELY that it was not me and had no reason to spend that money whatsoever.

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 monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year> Subject : Second Request for Debt Validation, Contract Assignment, Removal of Account from Credit Report, Cease and Desist, and Statutory Damages To Whom It May Concern, I am writing to you regarding the alleged debt of Portfolio Recovery Associates , LLC. This is my second attempt to request validation of this debt. According to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), you are required to provide verification of the debt in accordance with [ 15 USC 1681 ] of the FCRA.

Specifically, I demand that the following documentation be provided within 30 days : 1. Verification of the original creditor, 2. Signed contract or agreement indicating my consent to pay the amount claimed, 3. Documentation of my wet signature acknowledging that I owe XXXX XXXX XXXX, 4. Any assignment or transfer contract proving the debt was assigned to your agency, 5. Detailed accounting of the alleged debt, including the total amount claimed, and any interest or fees applied. 

Please be advised that an itemization of charges alone does not constitute validation of this debt. 

Until this debt is properly validated, I hereby request that Portfolio Recovery Associates , LLC remove this account from my credit report, and I request all collection activities cease and desist immediately, including but not limited to phone calls, letters, and any other forms of communication. Continuing to report this unverified debt to credit reporting agencies is a direct violation of [ 15 USC 1681b and 15 USC 1681s-2 ( a ) ( 1 ) ] of the FCRA.

If validation is not provided, I demand the immediate removal of all records related to this debt from my credit reports. Failure to comply with these requests will result in statutory damages for violations of the FCRA, specifically {$1000.00} per incident of non-compliance. Any further contact outside of providing the requested validation will also be treated as harassment and dealt with accordingly. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
XXXX company Affirm has updated it's Affirm Loan display removing amount due and due date information for loans. It is now harder to know how much to budget to pay loans since only loan amounts left are displayed. It seems that Affirm is intentionally obscuring amount due and due date information from its consumers leading consumers to miss payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : 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 2025-01-31 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-01-31 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-01-31 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: HW Holding, Inc
State: GA

Complaint narrative:
I filed a dispute on Hunter Warfield. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XXXX ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this be removed immediately as it's affecting my chances of relocating.. XXXX violates my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: IL

Complaint narrative:
I NOTICED SOMEONE APPLIED FOR SOMETHING IN MY NAME THAT I DID NOT AUTHORIZE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Review case # XXXX After initially being dismissed, Bank of America conducted their investigation on the charges I reported after contacting the CFPB. While conducting the investigation, they issued two separate temporary credits for the fraudulent charges from my account. After completing their investigation, they determined that the fraud claim I opened was valid and accurate. They informed me that the temporary credit of the lesser amount would be permanent, but the credit of the higher amount would be reversed on XXXX  and told me, in short, they arent reimbursing for fraudulent charges that happened more than a year ago, so take it up with the merchant. They SUBSTANTIATED my claim and doubled down on their findings by deciding in my favor and making the temporary credit permanentbut dont want to make the larger amount permanent, although they have determined my claim is valid. It is reprehensible and completely unethical for them to advise me to fend for myself against the merchant and not reimburse me on charges that they know I didnt make, all because they feel like mehit was a long time ago, and {$500.00} is too much to make permanent, even for a customer of over 20 years.

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 monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I wrote XXXX XXXX XXXX about how every penny of my {$180.00} Balance is Fees, after our full payment was credited JUST 6 HOURS LATE in XXXX as we made our payment at XXXX on it's due date. This is so unnecessarily stressful and a very punitive business and trade practice. 

As a result we were charged a Late Fee of {$29.00}, then {$31.00}, then {$40.00}, and then another {$40.00}, and then another {$40.00}, and then another {$40.00}, while we made many calls and e-mails over time to try to clear this up. So now every penny of our outstanding balance is Not for purchases owed, but instead for just these Late Fees, and interest on top of those -- every penny. We shouldn't have to pay the current total of {$180.00} because we were just 6 hours late on our XXXX payment. Please Help. Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I provided Transworld System with proof that the collection account appearing on my credit report is fraudulent and not mine. I also sent them evidence of my address at the time the account was opened, which was XXXX 

The renters insurance bill for that month and year shows a different address from the one used to open the fraudulent utility account. This clearly indicates identity theft, as supported by the documents I provided. As a result, this collection debt is a consequence of identity theft and is negatively impacting my credit report. Transworld System denies removal to each credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-31 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: PA

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 2025-01-31 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: TX

Complaint narrative:
Im beyond frustrated with the state of my report. Every time I try to move forward, these repeated mistakes drag me back. My score is suffering, and Im losing out on opportunities because of errors that are completely out of my control. Its infuriating to know that Im being held back by something that should be so simple to fix.

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 2025-01-31 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: FL

Complaint narrative:
I have been a victim of identity theft please see the attached FTC 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 non-monetary relief
Consumer complaint received 2025-01-31 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: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Collection Account Violation Dear Consumer Financial Protection Bureau, I am writing to formally dispute a collection account reported by LNVN Funding LLC that I believe violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681. This account has been inaccurately reported in relation to my credit file, and I am seeking your assistance in addressing this matter.

The account in question is associated with my name, [ Your Full Name ], and I have not received adequate notice regarding this debt, nor have I been provided with sufficient validation of the claimed amount. I request that LNVN Funding LLC provide documentation that substantiates their claim, including any agreements or contracts that establish my responsibility for this debt.

Under the FCRA, it is my right to dispute any information that I believe to be inaccurate. I have reached out to LNVN Funding LLC directly, but I am concerned that they may not comply with the required investigation or validation procedures.

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that my rights under the FCRA are upheld. If LNVN Funding LLC is unable to validate the debt or provide the necessary documentation, I ask that you assist in having the account removed from my credit report. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am 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 605B of the Fair Credit Reporting Act.

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 2025-01-31 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: GA

Complaint narrative:
I am writing you about the compromising of my social security number due to the XXXX XXXX. Which has resulted in me being a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I have also included a signed and notarized copy of my Affidavit of Facts and Truth. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following account does not belong to me and is a result of fraud that I did not authorize : XXXX. XXXX Account XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief