vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The Company Im Disputing is Experian, XXXX and XXXX! 

On XXXX XXXX I disputed all of my negative items along with Hard inquiries. these inquiries and negative items should've been removed because of the identity theft that was claimed via FTC Report that was filed in XX/XX/XXXX. 
as a result here we are in XXXX and still no response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: GA

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. I have tried to work with them before and after the closing of my account, but they were of no assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: TX

Complaint narrative:
I am writing to dispute a charge-off account that has been reported on my credit report, which I believe is inaccurate. Under 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation of the following account. 

On my XXXX account one account is showing closed and one is showing open since this information is inaccurate I would like this removed off my credit report confirmation of your findings. If you find the information to be inaccurate, I expect the item to be corrected or removed promptly. 

Under the FCRA, you are required to complete your investigation within 30 days. Please notify me in writing once the investigation is complete.

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 2025-01-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Credit Central Holdings, LLC
State: AL

Complaint narrative:
I got the loan to pay off a loan and couldnt afford the loan so I talked to them and said I cant make the payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: TX

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

Company 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 2025-01-23 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: IL

Complaint narrative:
I am writing to request the correction and removal of inaccurate and outdated information on my credit file, which is causing financial harm and does not reflect my current creditworthiness. Specifically : Addresses : I request that all addresses except XXXX XXXX XXXX, XXXX XXXX, IL, be removed. This is my only valid address, and the others are outdated or incorrect. 

Collection Accounts : XXXX XXXX XXXX : I am disputing the collection account with XXXX XXXX XXXX for {$21000.00}. This account is not mine, and I request this collection account be deleted immediately. 
The Bureaus : I am disputing the collection account with The Bureaus for {$320.00}. This account is inaccurate and should be removed from my credit report. 
XXXX XXXX Account : The XXXX XXXX account is inaccurate and should be removed from my report. The balance of {$1500.00} does not belong to me, and I request this collection account be deleted immediately. 

XXXX XXXX Auto Payments : The XXXX XXXX XXXX account inaccurately reports late payments. I have made all payments on time, and the account should reflect a perfect payment history. I request the removal of any reported late payments. 

Closed Accounts : All closed accounts should be removed from my credit report, as they no longer reflect my current financial standing and are unnecessarily impacting my credit file. 

Bankruptcy : The bankruptcy reported on my XXXX file is inaccurate and should be deleted entirely, as it does not apply to me. 

I am a victim of the XXXX data breach, which compromised my personal information and has likely contributed to these inaccuracies. I request the CFPBs assistance to ensure these corrections are made promptly and in compliance with the Fair Credit Reporting Act ( FCRA ).

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 2025-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am filing this, complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve chis directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. Trans union credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These dates were all taken place on XXXX XXXX XXXXXXXX

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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

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 proce 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 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I received an email from Resurgent Capital ( part of it is copied below ). I initially assumed it was a scam ( I think I received at least one similar email from them recently ), but I XXXX the company and it seemed to be a real company. So I decided to call them and find out what it was about. 

After going through their automated system, I spoke with a representative who wanted to verify my identity. I pointed out that I wanted to verify their identity since I had absolutely no idea what this was about. She then put on a supervisor ( XXXX XXXX XXXX, who understood the problem and asked me if I would be willing to share the year of my birth. I did ( XXXX  ) and then she immediately said that I was not the person that they were looking for. Apparently there is some other XXXX XXXX who was born in a different year who owes money to " XXXX XXXX XXXX ( which sounds fake, but what do I know ). So XXXX XXXX removed my email from their database ( supposedly ). 

Now both the representatives were very professional, but it seems to me that we have enough problems with hackers, scammers, spammers, etc, without companies sending collection emails to the wrong people. Plus I imagine the real XXXX XXXX ( I mean, I'm real too, just to be clear ) wouldn't be happy about his account information being sent out. ( It's kind of funny that the company is so uptight about verifying my identity when they are the ones sending out this email ). I figure that this is probably not the first time this has happened either. 

So I don't want anything but I think you should look into it. Thanks. 


Resurgent Capital Services logo This important message is for XXXX XXXX. If you are not this person please delete this email. 
Login Contact FAQs XXXX, I want to make sure you know all the options you have to choose from so you can make the best choice for you. 

You can view payment options and even select your first payment date! 

View your options on our self-service website or reply to this email if you have any questions. 

Create a Profile Please review your account details below. 
Account Number : Ending in XXXX Original Creditor : XXXX Current Owner : LVNV Funding LLC Resurgent ID : XXXX Current Balance : {$640.00} View My Account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did not opening this loan XXXX XXXX XXXXXXXX account number XXXX. Please remove this inaccurate and fraudulent account. These account is reporting wrong information and errors days please remove this account.

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 2025-01-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
Evidence of the XXXXXXXX XXXX XXXX XXXX breach includes : a large-scale leak of approximately XXXX XXXX personal records, including full names, Social Security XXXX XXXX addresses, and phone numbers, which were first reported to be sold by a cybercriminal known as " XXXX '' on the dark web in XX/XX/XXXX ; this data was later leaked publicly on hacking forums in XX/XX/XXXX ; the breach was confirmed by XXXX XXXX XXXX XXXX XXXXXXXX ) themselves, tracing the origin to a security incident in XX/XX/XXXX ; and reports from cybersecurity researchers identifying the leaked data on various underground marketplaces and forums. 
Key points about the breach : Data leaked : Full names, Social Security numbers, current and past addresses, phone numbers, and potentially dates of birth. 
Estimated affected individuals : Nearly XXXX XXXX people. 
XXXX group involved : " XXXX  '' When data first appeared on dark web : XX/XX/XXXX When breach was confirmed by 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 2025-01-23 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: GA

Complaint narrative:
Evidence of the XXXXXXXX XXXX XXXX XXXX XXXX includes : a large-scale leak of approximately XXXX XXXX personal records, including full names, Social Security XXXX XXXX addresses, and phone numbers, which were first reported to be sold by a cybercriminal known as " XXXX '' on the dark web in XX/XX/XXXX ; this data was later leaked publicly on hacking forums in XX/XX/XXXX ; the breach was confirmed by XXXX XXXX XXXX XXXX XXXXXXXX ) themselves, tracing the origin to a security incident in XX/XX/XXXX ; and reports from cybersecurity researchers identifying the leaked data on various underground marketplaces and forums. 
Key points about the breach : XXXX leaked : Full names, Social Security numbers, current and past addresses, phone numbers, and potentially dates of birth. 
Estimated affected individuals : Nearly XXXX XXXX people. 
XXXX group involved : " XXXX  '' When data first appeared on dark web : XX/XX/XXXX When breach was confirmed bXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlas Credit Company, Inc.
State: OK

Complaint narrative:
I am writing to formally file a complaint regarding repeated harassing calls from Atlas credit co These actions violate the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S.C.

8 1692d, which prohibits harassment or abuse by debt collectors. 
The creditor Atlas credit co. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been making excessive calls, despite my request for them to stop. 
This behavior is causing undue stress and violates my rights under federal law. 
I have kept detailed records of all communications, including call logs and any written correspondence. I request that the CFPB investigate this matter and take appropriate action to ensure compliance with the FDCPA Thank you for your assistance.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: MS

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 2025-01-23 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: TX

Complaint narrative:
Upon reviewing my credit report, I noticed inquiries attributed to your company that I do not recall authorizing. As I understand, such inquiries should only appear on my credit file with my explicit consent. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-22 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: TX

Complaint narrative:
Experian decreased my XXXX XXXX XXXX to XXXX on XXXX XX/XX/XXXX because of {$10.00} erroneous late payment charge from XXXX. I contacted XXXX and they reversed charge and sent out letter showing that late payment and charge was removed. On XXXX XX/XX/XXXX Experian increased my score to XXXX. XXXX XX/XX/XXXX Experian decreased my score to XXXX. There are too many inconsistencies with Experian and I would like an investigation into this bureau on why they are playing with my numbers causing me to get denied for loans.

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 2025-01-23 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, a transaction was made for the amount of {$180.00}. It was processed on XX/XX/year>, by a scammer located in North Carolina, even though I neither live there nor traveled to North Carolina at that time, and my debit card is not lost. This situation occurred because I mistakenly provided my debit card information in response to a tolling message from the government. Once I realized my mistake, I immediately reported it to Chase.

Chase informed me that once I activated the card under my new name, everything would be finedespite the fact that it had the same card number. They believed that as long as I had a different PIN and expiration date, it would be okay. However, I was still charged {$180.00}. I brought this issue to Chase 's attention right away, and they acknowledged it was their mistake, providing me with a temporary credit.

However, when they noticed that I had some money come in from my job, they allowed that fraudulent transaction to go through again, and they also revoked the temporary credit. All of this happened while my claim was still under investigation. When I followed up with them, they stated that they would provide further information once the investigation was complete.

Company response to consumer: Closed with explanation