vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 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: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really XXXX  and tired of this. I'm gon na go to court.

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 2025-01-16 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: FL

Complaint narrative:
I am filing a complaint for incorrect late payments reported on my credit report during the COVID-19 national emergency period. These late payments were posted for the account XXXX  XXXX - XXXX on the dates XX/XX/year>. Under the protections provided by the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ), my account should not have been reported as delinquent.

The CARES Act was enacted to protect consumers facing financial hardship due to the pandemic by allowing forbearance and preventing negative credit reporting during this period. Despite this, the creditor XXXX XXXX reported my account as delinquent, which unfairly affected my credit score and contradicted the protections provided by the CARES Act. 
I previously contacted XXXX  XXXX and requested that my account status be corrected to reflect a status of PAID/ACCEPTED or OK for the specified dates, as required by the CARES Act. However, I have not received a satisfactory resolution and my report remains inaccurate. This situation is now negatively impacting my credit score and ability to access financial services.

I am requesting that the CFPB investigate this matter to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are respected and that my credit report is accurately updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I requested information about the XXXX  XXXX account and XXXX  i wanted to know when and how and what information that was used to get this account all they did was sent a bill to me with a different address on it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: FL

Complaint narrative:
I have recently started monitoring my credit and I noticed someone have submitted several credit card application with the intent to obtain fraudulent credit using my personal information. Their is XXXX unauthorized hard inquiries on my report and their are listed below XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am anticipating a prompt resolution of removing these fraudulent inquiries on my credit report Thank 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 non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I 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 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital one On XX/XX/year> my payroll check was to get deposit into my account and until now havent received any funds. Deposit hasnt been made and when speaking to a agent. She tried to blame my jobs payroll when they are the ones having technical difficulties. My payroll check was for {$690.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My payroll direct deposit has been paid by employer and should have been available as of XXXXXX/XX/XXXX on XX/XX/XXXXXX/XX/year> in my Capital One 360 Checking Account. I contacted Capital One and they said they were having technical issues and were working to resolve the issue. They could not elaborate on what issues or when they could be expected to be resolved. I asked for them to send an email explaining the situation and they said they could not and I would need to contact them again if the deposit was not available by the next business day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-16 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 you formally to express my concerns regarding Zelle 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 XXXX felt to investigate my claims adequately they inform me that recovering loss funds was impossible, and that tracking the transaction was unfeasible. The CFPB indicate that Zelle has not only neglected to protect consumers, but also allowed repeated offenders to exploit the system, leaving users vulnerable to scams

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: TX

Complaint narrative:
I am writing to file a complaint against Navy Federal credit union I been with them almost XXXX  years now and I didnt even know that what they where doing was illegal over the years I have incurred multiple over draft fees when I didnt have sufficient funds to begin with but transactions were still authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and would like my accounts to be investigated and receive anything due to me from Navy Federal credit union although I do wish to keep my accounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: AZ

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection/Charge Off XXXX XXXX XXXXXXXX - {$0.00} XXXX  - XXXX - {$680.00} XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX  - XXXX - {$10000.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX - XXXX - {$540.00} XXXX XXXX XXXX XXXX - XXXX - {$11000.00} XXXX XXXX  XXXX BANK XXXX XXXX XXXX XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXX  - XXXX - {$480.00} XXXX XXXX XXXX - XXXX - {$1300.00} XXXX XXXX  - XXXX - {$540.00} XXXX XXXX XXXX XXXX XXXX - XXXX - {$800.00} XXXX XXXX XXXX - XXXX - {$1300.00} XXXX XXXX XXXX XXXX {$800.00} Late Payment XXXX XXXX XXXXXXXX XXXX {$400.00} XXXX  - XXXX - {$0.00} XXXX XXXX XXXXXXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX - XXXX - {$0.00} XXXX  XXXX - XXXX - {$0.00} XXXX XXXX XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Personal Information Also Known As : 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 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a small business. I sold equipment to other business. That buyers bank institution sent me a bank check directly from bank. My bank cashed the check then closed my account for fraud. They did not verify with bank in regards to check validity. The bank then froze all my funds. This happened XXXX week before XXXX. I had about XXXX in funds this problems caused missed payments, and excessive overdraft fees in all my accounts associated with my bank chase. I have accumulated over XXXX overdraft fees totaling more than {$1000.00}. It is XX/XX/year> and the bank has yet to refund my funds back into my account. The account was reopened around XX/XX/year>. They failed to contact me in regards to this matter before closing my accounts. I am a XXXX veteran as well and live of this money to eat.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: AL

Complaint narrative:
I previously sent you a letter dated XX/XX/year> requesting validation of the alleged debts pursuant to the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692g. Your response was insufficient and noncompliant with the law, as you failed to provide the following : 1. Proof of title or chain of assignment establishing your right to collect the alleged debts.

2. The " Aggravated Value of Purchase '' or the amount you paid for these debts.

3. Any signed agreement between myself and the original creditors indicating my contractual obligation.

4. The complete purchase agreement, not just the bill of sale.

Instead, you provided partial and incomplete documentation ( i.e., credit card statements ) that does not meet the requirements of validation under federal law.

Under the FDCPA, you are required to provide sufficient evidence to validate the alleged debts. Specifically : Violation of the FDCPA ( 15 U.S.C. 1692g and 1692e ) Failing to provide the chain of assignment or proof of title demonstrates that you can not establish legal ownership of these debts, which calls into question your right to collect.

Your failure to provide the " Aggravated Value of Purchase '' misrepresents your financial interest in the debts and violates FDCPA 1692e ( 10 ), which prohibits the use of false or misleading representations in the collection of debts.

Reporting unverifiable debts to the credit bureaus without proper validation is also a violation of 1692e ( 8 ), as it constitutes the use of false or misleading credit reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: FL

Complaint narrative:
I have recently started monitoring my credit and I noticed someone have submitted several credit card application with the intent to obtain fraudulent credit using my personal information. Their is XXXX unauthorized hard inquiries on my report and their are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am anticipating a prompt resolution of removing these fraudulent inquiries on my credit report Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: FL

Complaint narrative:
I have recently started monitoring my credit and I noticed someone have submitted several credit card application with the intent to obtain fraudulent credit using my personal information. Their is XXXX unauthorized hard inquiries on my report and their are listed below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am anticipating a prompt resolution of removing these fraudulent inquiries on my credit report Thank 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 2025-01-16 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: OH

Complaint narrative:
I have accounts that are inaccurate on my consumer report that are to be deleted for violating the FCRA. THEY ALL HAVE DIFFERENT DATES OF LAST ACTIVITY/STAUTS DATES AND THE PAYMENT HISTORY IS DIFFERENT BETWEEN XXXX, XXXX, TRANSUNION. DELETE THESE ACCOUNTS IMMEDIATELY. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- THESE ACCOUNTS I HAVE LISTED ARE REPORTING DIFFERENT DATES IN THE PAYMENT HISTORY AND DIFFERENT DATES OF LAST ACTIVITY/STATUS DATES BETWEEN XXXX, XXXX, AND TRANSUNION. UPDATE THESE ACCOUNT IN THE PAYMENT HISTORY FOR EACH MONTH TO PAID AS AGREED, PAID ON TIME, NEVER LATE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( AS A REMINDER, XXXX JUST GOT SUED FOR VIOLATING THE FCRA IN NOT HONORING WHAT PEOPLE HAVE REQUESTED IN THEIR DIPSUTES. THE CFPB STARTED A LAWSUIT ON XX/XX/year> AGAINST THIS COMPANY FOR SHAM INVESTIGATIONS. )

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 2025-01-16 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: OH

Complaint narrative:
I have accounts that are inaccurate on my consumer report that are to be deleted for violating the FCRA. THEY ALL HAVE DIFFERENT DATES OF LAST ACTIVITY/STAUTS DATES AND THE PAYMENT HISTORY IS DIFFERENT BETWEEN XXXX, EXPERIAN, XXXX. DELETE THESE ACCOUNTS IMMEDIATELY. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- THESE ACCOUNTS I HAVE LISTED ARE REPORTING DIFFERENT DATES IN THE PAYMENT HISTORY AND DIFFERENT DATES OF LAST ACTIVITY/STATUS DATES BETWEEN XXXX, EXPERIAN, AND XXXX. UPDATE THESE ACCOUNT IN THE PAYMENT HISTORY FOR EACH MONTH TO PAID AS AGREED, PAID ON TIME, NEVER LATE. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( AS A REMINDER, EXPERIAN JUST GOT SUED FOR VIOLATING THE FCRA IN NOT HONORING WHAT PEOPLE HAVE REQUESTED IN THEIR DIPSUTES. THE CFPB STARTED A LAWSUIT ON XX/XX/year> AGAINST THIS COMPANY FOR SHAM INVESTIGATIONS. )

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 2025-01-16 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: PA

Complaint narrative:
My account with EQUIFAX XXXX XXXX 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 XXXX XXXX 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 2025-01-16 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:
My repeated efforts to resolve the presence of fraudulent and inaccurate information on my consumer report have gone unaddressed, leading to profound personal consequences. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, and their continued presence has generated significant XXXX  and XXXX  while negatively impacting my financial wellbeing.

Company response to consumer: Closed with non-monetary relief