vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XX/XX/year>, I wrote and submitted a " Debt Validation Request '' As perscribed Fair Credit Collections Pratices Act. I waited the 30 Day Required response time without any response from LVNV Funding, Also Ressurgent Capital Services, L.P. ( XXXX XXXX XXXX XXXX ). 
After waiting the initial 30 day response period, I sent them a second letter in XXXX, XXXX, giving them a second opportunity to respond to my legal request. 
In XXXX I contacted this company via telephone to ascertain as to why they refused to answer either of my legal request for their company and this supposed debt to be validated. 
I was told that when they received my request for Validation, They took it as a Cease and Desist demand, I believe this answer and ultimate refusal as being tantamount to " WILLFUL NON-COMPLIANCE '' This company intentionally failed to respond to this customers legal and valid request. Therefore this debt due to this violation of the FDCPA should be expeditiously removed from this customers credit report.

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: AR

Complaint narrative:
Experian has failed to fulfill its legal obligation to under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information 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: 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 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 this practice is 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 2025-01-22 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: IL

Complaint narrative:
I ask the company to remove all information from my person. Credit report all three I want to talk to them about a cleaning of names I was able to find incorrect information like ten names when I only have one I discovered and disputed all this to XXXX and other companies holding information about me please contact them to ask them to remove negative information about me on my personal account thank you.

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 is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have a XXXX  account I disputed several accounts that it says I owe I asked for original contracts that I signed for the debt, They were then removed from XXXX report and XXXX report but they were never updated on XXXX. I noticed a few have been added back to the XXXX report with different dates and on the XXXX report they have all been added back with this years date on them. the finding says my address was verified. I never received the documents to show I owe these companies this money.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion did not fully investigate information in my credit report and failed to remove/update false information

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I checked my credit report this morning and found some inaccurate accounts that I dont recognize. I usually review my report without issues, but this time, I noticed discrepancies that appeared unexpectedly. I even refreshed my browser, thinking it might be a technical error, but the inaccurate information remained. Therefore, I am requesting a thorough examination of the documents I provided to ensure that I wont have to deal with this issue again.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2025-01-22 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: PA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
XX/XX/XXXX, I experienced a hardship of unexpectedly being fired from my job. I started my new/current job in XXXX but we were still trying to catch up on bills that has fallen bhind due to hardship. In XXXX, I started to explore my options as we were struggling to make all of our monthly payments. In XXXX, my forbearance plan was approved and a payment was not due until XXXX. Also, during these 3 months my account would not be sent to collections. At the end of XXXX of XXXX, I called to follow up on this and they stated either {$3200.00} ( 3 monthly payments ) were due in lumpsome or I would have to file another plan to have these payments attached on at the end of the loan. I submitted this and was told it would take up to 30 days to get an approval or denial. In the mean time, I expressed to the company that I would like to pay my XXXX payment and they told me that they could not accept a payment unless it was {$4200.00} ( 4 monthly payments ). Since I was trying to pay my XXXX payment and they would not allow for it, my account has now been sent to collections and put against my credit, although I have tried and tried to make a payment. So I will not be " allowed '' to make another payment until XX/XX/XXXXXXXX  meaning I will tehnically be behind 5 months vs the original and planned 3 months. 

With all of this being said, I filed for this forbearance to help me and my family through the hardship but it has turned into everything besides assistance. At this rate, I feel like I would have been better off not applying for the forbearance plan and just paid what I could when I could.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
While actively being enrolled in school, the loan servicer has placed my account in repayment status when my account should be in deferment status. I am still currently enrolled and the loan servicer is having my pay on my loans. 

Also, as an XXXX XXXX service member, the loan servicer did not abide by the SCRA even after documentation was submitted. Due to that, I was overpaying on my loans and I have not been repaid due to their delay in almost 8 months in processing documentation. A previous complaint was submitted to the studentaid.gov to fix that issue.

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:
My old friend and roomate opened stuff up in my name without permission, I just want this stuff taken off my 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 2025-01-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My ex BF used my info to open accounts that are not mine and without my permission. This was not authorized by me at all. I need this stuff taken off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress : for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

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 is not yours
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Request for Full Credit Sweep and Investigation of Inaccuracies Due to Data Breaches Dear Equifax Customer Care Team , I am writing to formally request a comprehensive review and full credit sweep of my credit report due to inaccuracies that I believe are the result of recent data breaches and/or unauthorized activities. My goal is to ensure that my credit report accurately reflects my financial history and does not include any erroneous or fraudulent information. 

Personal Information for Identification : Full Name : XXXX XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX I have reason to believe that my personal information was compromised and used in a manner that has led to inaccuracies and/or fraudulent entries on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and fair credit report, and I request that your agency conduct a proper investigation into all disputed items. 

Please remove all inaccurate, incomplete, or unverifiable information from my credit report immediately. Additionally, I would like to request the following : 1. A detailed explanation of the investigation process, including the methods used to verify the accuracy of the disputed items.

2. A copy of my updated credit report after the completion of your investigation.

3. Prompt resolution of this matter, including written confirmation of the removal of any inaccuracies. 



For your reference, I have attached copies of the following : Any documentation that supports my dispute ( if applicable ) Please acknowledge receipt of this letter within 30 days and provide a response within the timeline established by the FCRA. Failure to address these issues appropriately may compel me to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or seek legal recourse. 

Thank you for your prompt attention to this matter. Should you need any additional information, feel free to contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: CA

Complaint narrative:
I purchased a flight ticket from XXXX to XXXX through US Bank XXXX XXXX and later cancelled it on XX/XX/. According to terms, I should get a full refund within 48 hours for the rewards points used and 7 business days for credit charged. I paid with XXXX rewards points and {$690.00} credit, total worth of {$1600.00}. However, the refund never came after over 2 months, and I called US bank 10 times over the past 2 months and each time they would promise me to get my refund back soon, however I still got nothing back as of today.

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

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan that has been CLOSED at ( XXXX XXXXXXXX XXXX XXXX  ), three accounts in collection/ closed account with ( XXXX XXXX XXXX XXXX, a cable/utility account at ( XXXX XXXX ) and ( XXXX XXXX ). These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or closed accounts. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud I have attached A copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal trade commission that all of the aforementioned consumer credit INFORMATION HAS BEEN REPORTED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CIG FINANCIAL LLC
State: GA

Complaint narrative:
I purchased a car with a credit transaction. I was approved for credit, signed the promissory and took the car home. Later I found out that I was a victim of " yo-yo financing '' which apparently is a predatory lending transaction. The salesperson and sales managers of the dealership later harassed me, attempted to get a warrant for my arrest for theft and reported a false claim, ultimately resulting in my arrest. I spent 31 days falsely imprisoned in jail.

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 information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I filed a dispute with Equifax to have XXXX XXXX deleted from my credit report, The house was sold XX/XX/XXXXXXXX  but for some reason it is reporting that I have over {$40000.00} late payments. Instead of deleting the account because of so many errors concerning the payments Equifax kept the account on my credit saying closed. Still reflecting that I have not been paying the mortgage with a past due balance of {$40000.00} as of XX/XX/XXXX, that is not possible when the house was sold. Equifax keeps reporting incorrect information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief