vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Legal Group, P.C.
State: MD

Complaint narrative:
Consumer Legal Group should negotiate the settlement on my behalf since XX/XX/XXXX I was making monthly payment from XX/XX/XXXX till XX/XX/XXXX... I called them today XX/XX/XXXX XXXX and inquiry about the status of the account and their responded was they haven't got any correspondence from any accounts. I have requested them to Stop the monthly withdraw and refund the escrow in the amount of {$6500.00}. Still awaiting for their reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: AZ

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Notice of Dispute Regarding Inaccurate and Unverifiable Information on My Credit Report Dear Consumer Financial Protection Bureau, I am formally submitting this complaint against Experian through the CFPB regarding their failure to conduct a proper and thorough investigation into inaccurate and unverifiable information on my credit report. This is my third dispute concerning this matter. Despite my previous two formal requests for an investigation, Experian has continued to report erroneous information without properly verifying its accuracy.

Specifically, I am disputing the following account : **Creditor Name : ** XXXX XXXX XXXX XXXX **Account Number : ** XXXX Experian has failed to comply with its obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation into my disputes. The inaccurate and erroneous information contained within this account has negatively impacted my credit profile. As proof, I have attached screenshots of the incorrect data and details regarding the inaccuracies that Experian has refused to correct.

Additionally, Experian is illegally re-aging this account by reporting a " charge off '' status every single month. A charged-off account should not continue to be reported with a " charge off '' status on a monthly basis. By doing so, Experian is improperly extending the statute of limitations for when the account is scheduled to be removed from my credit report. This illegal practice makes the charged-off account appear newer each month, unfairly damaging my credit. Furthermore, Experian is depriving me of the opportunity for the account to be removed as mandated by law when the time period expires.

I demand that Experian immediately delete this account from my credit report, as it contains unverifiable and erroneous information. Should Experian fail to take corrective action and remove this account from my report, I will be left with no choice but to pursue legal action to enforce my rights under the FCRA.

I trust that the CFPB will take my complaint seriously and ensure that Experian complies with its legal obligations. Please provide written confirmation of the actions taken to resolve this matter at your earliest convenience. 

Sincerely, 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 2025-02-18 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 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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I tried to register an Experian account to freeze my credit, but the website told me to call XXXX to resolve the issue. I made so many calls and could not get it resolved.The phone number was only an automated customer service, no human customer service could help, and I was eventually directed back to the website for help. I was unable to get help, which resulted in my inability to protect my social security number. Please ask the CFPB to intervene and help me contact and resolve the account registration andfreezeissue.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Credit Acceptance knew and agreed Vehicle was totaled XX/XX/XXXX insurance paid all but $ XXXX gap insurance was supposed to pay off the Vehicle they refused I had a agreement to pay {$100.00} a month starting in XXXX full XX/XX/XXXX, gap they refuse to give me my outstanding credit vehicle was paid as agreed and now paid in full, my credit score dropped XXXX point for the 2 month the claim I did not pay

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 2025-02-18 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: MN

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 non-monetary relief
Consumer complaint received 2025-02-18 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I was unable to use my card at the store ( XX/XX/XXXX ) and looked into my account. Nothing on their website indicated a problem under my account. Today ( XX/XX/XXXX ) I received a letter in the mail stating they closed my card due to excessive return payments. 
I recently had a return payment on XX/XX/XXXX due to having fraud on my bank account and having to open a new account. This payment was processed unknowingly to the wrong account and I immediately sent a new payment with my new account that posted as of XX/XX/XXXX. 
The second return payment was in XX/XX/XXXX due to clicking the wrong account by mistake. This I do take responsibility for but once again i immediately sent a new payment that processed days later back in XXXX. 
Outside of these XXXX instances I have been a customer since XXXX and have made payments every XXXX weeks that can be seen in my account history. I have been a loyal customer that Target has increased my credit limit multiple times due to my great record. 
To be closed by them comes as a great shock and now closing my card will impact my credit score. 
Further when I called, the woman I spoke to had no idea what I was talking about and put me on hold multiple times to attempt to research. When she finally got back on the phone she stated what I knew from the letter and said I could reapply for the card because I have outstanding approval odds and her retention team is unable to correct this due to it being closed and they can not fix a closed card. 
Essentially that tells me they are admitting they were wrong. 
I will not be reapplying because it will impact my credit score but also I will never trust them again. I will pay off my balance and never look back but this needs to be put in front of a regulatory board and examined. This is wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. I was informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. 
The CFPBs findings indicate that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX first while celebrating new years on XXXX XXXX I lost my cellphone which it had an attach wallet containing my credit card my debit card my XXXX XXXX card and my drivers license later on the day when I gained access to my account using my tablet I notice some unauthorized transactions which I dispute with the bank but were denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I was asking the company to send me proof of my signed agreement with this debt and never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: CA

Complaint narrative:
identity theft that has occurred under my name On XX/XX/year>, I was contacted by Procollect Inc who informed me that a lease agreement had been signed for an apartment located in Louisiana with a past due balance of {$1300.00}. I was shocked to learn that this lease had been opened in my name without my knowledge or consent. 
I have never authorized, applied for, or signed any lease for this property, and it is clear that my personal information was used fraudulently. Upon discovering this, I immediately contacted Procollect to dispute the lease, explaining that my identity had been stolen. Additionally, I reached out to the credit bureaus to place a fraud alert on my credit file and began the process of addressing the impact on my credit score.

As a direct result of this unauthorized lease, my credit score has dropped by XXXX points. This situation has caused significant emotional distress, financial strain, and a substantial loss of time and effort on my part.I am requesting your immediate assistance in resolving this matter. It is imperative that the fraudulent lease be removed from my record, and that my credit score be restored to reflect the true, accurate information. 

I look forward to your prompt response and action 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 explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

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 non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block 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 : LIST OF ACCOUNTS TO BE REMOVED ONEMAIN XXXX BALANCED {$0.00} CAPITAL XXXX XXXX BALANCED {$2000.00} XXXX XXXX XXXX  XXXX BALANCED {$0.00} XXXX XXXX XXXX  XXXX This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.

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