vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated 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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
The company, Portfolio Recovery Associates, called my phone asking for another person. When I asked who again they hung up. I called back to have my number removed. The agent " XXXX '' put me on hold then came back saying that I have a debt with them as well. I informed her I do not and request documents proving that I have a debt. I referenced the USC codes in validating debt. She then stated to me that the company was a governmental agency. I asked her to repeat herself and she did verify that she stated the company was a governmental agency. I informed her that it was not a governmental agency. I then asked her if she would like to correct her misstatement and she said no she would not because they are a government agency out of XXXX XXXX. I then requested a supervisor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DLF Law Group, LLC
State: TN

Complaint narrative:
I was served with a civil judgment from a debt collector. I have tried to reach out the this law firm to obtain more information. Apparently this debt is from XXXX ago. I don't remember this debt and I don't remember ever receiving information concerning this debt. I have requested call backs, left voice messages, and sent emails. The court date is now 3 days away and I have no way to resolve this issues before hand unless I speak to someone at Dobberstein Law Firm. No one will return my calls!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: FL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-02-07 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/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 2025-02-07 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: AZ

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report related to the following account : Account Information : Creditor Name : XXXX Account Number : XXXX According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure the maximum possible accuracy of information reported. However, this account contains multiple discrepancies that I am challenging based on factual inaccuracies and inconsistencies. 

Basis for Dispute : Incorrect Reporting of Charge-Off Status : The account was reportedly charged off, but it continues to reflect ongoing past-due amounts each month, which is a form of illegal re-aging under FCRA regulations. 

Inaccurate Account Status : The account history reflects conflicting information regarding its closure, charge-off, and balance updates. These inconsistencies violate the accuracy requirements outlined in the FCRA ( 15 U.S.C. 1681e ( b ) ).

Failure to Investigate Theft Report : This account is related to a stolen package for which I filed a police report. Despite my efforts to resolve the matter, the creditor failed to acknowledge or rectify the situation. Under FCRA ( 15 U.S.C. 1681i ), information that can not be verified must be removed.

Legal Grounds for Dispute : FCRA Section 609 ( 15 U.S.C. 1681g ) : I have the right to obtain and dir Resolution : I formally request the following actions : Immediate removal of the inaccurate charge-off and past-due reporting from my credit file.

A detailed explanation of the investigation process used to verify this information. 

An updated credit report reflecting the necessary corrections. 
This matter is significantly affecting my credit standing, and I expect a resolution within the 30-day period as mandated by the FCRA. If this issue is not resolved promptly, I will explore further legal action to protect my rights.spute the completeness and accuracy of my credit report.

FCRA Section 611 ( 15 U.S.C. 1681i ) : If an item is found to be inaccurate or unverifiable, it must be removed.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Information providers must ensure the accuracy and completeness of the information they report.

Truth in Lending Act ( TILA ) Section 1601 ( 15 U.S.C. 1601 ) : Requires transparency and accuracy in credit reporting.

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 2025-02-07 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
in accordance with the fair credit reporting act XXXX  accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Milestone, Destiny has violated my rights. - 15USC 1681 section 602 states I have the right to privacy. -15 USC 1681 section 604A section-2 ; It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B- A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: IL

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 non-monetary relief
Consumer complaint received 2025-02-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to resolve this matter with Experian numerous times please see the attached statement

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Around XXXXXXXX XXXX XXXX last year I was trying to get my negative inquiries removed from my Experian credit report and it was not successful I tried to dispute the inquiries on the Experian credit website and it was no help also trying to get in contact with a Experian customer service rep was a headache to I have illegal inquiries on my credit report that needs to be removed from my report I have been actually dealing with this issue for some time now like some years I always get the run around or if I do get in contact with a customer rep they say I have to talk to collections when those agency are fraudulent their selves I have negative inquiries and balances on my report that I have no recollection of this credit situation has ruined my life and I really need help

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 2025-02-07 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 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. 
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 non-monetary relief
Consumer complaint received 2025-02-07 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: AR

Complaint narrative:
My information was in the XXXX Data Breach. I filed a report with the FTC over 60 plus days ago. I called all bureaus & I was told to mail in supporting documents to all 3 bureaus which I did. Some of the inquiries were removed but none of the accounts that were listed. I was told that they would investigate and I would hear something within 30 days. However according to a copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. This matter still has not been resolved. I'm submitting this complaint again because the FTC report and other documents were not submitted

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I am writing to dispute an inaccurate entry on my credit report. I have identified a duplicate collection from ONLINE COLLECTIONS GRVL. This entry is mistakenly reported twice under two different agencies and is negatively impacting my credit score.

Details of the Duplicate Collection : - ONLINE COLLECTIONS GRVL - Not Provided - XX/XX/year> - {$810.00} Upon reviewing my credit report dated XXXX XXXX, I noticed that this collection account appears twice. However, this is a duplication with another alleged debt from XXXX XXXX XXXX which has not been validated as requested. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information. Therefore, I kindly request that you investigate this claim, verify its accuracy, and remove the duplicate entry from my credit report. 

Please resolve this matter promptly. I expect to receive confirmation of the deletion within 30 days, as outlined by the FCRA. Additionally, I would appreciate a copy of my updated credit report once the correction has been made. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: WI

Complaint narrative:
I need your assistance in reviewing accounts from companies that have incorrectly reported late payments. After checking my credit report, I found that some accounts were marked late in error. There should be no late payment remarks on these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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 did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX 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

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 2025-02-07 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: Nelnet, Inc.
State: IL

Complaint narrative:
To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 

Nelnet account XXXX, XXXX, all nelnet student accounts The reporting of these accounts ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. 
Under the Truth in Lending Act 15 USC {$1600.00} ( g ), " credit card '' is defined as the following : The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, driver 's license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 
Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: FL

Complaint narrative:
I am a victim of fraud. And this debt is not mine. I asked creditor for proof. I never received anything. I have sent in letters ( certified mail ), FTC reports, called XXXXXXXX XXXX XXXX... now their lines are busy can't get through. This account was closed. However it still remains on the report. It is violating my rights to have a fair credit score. This is not right. Please have them remove this collections ASAP!!! 
XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Subject : Request for Removal of Medical Debt from Credit Report XXXX XXXX XXXXXXXX ( {$2300.00} ) original creditor ( XXXX XXXX XXXX XXXX ) AMSHER COLLECTION XXXX  XXXX ( {$1900.00} ) original creditor ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) Dear Sir/Madam, I am writing to bring your attention to the recent change in federal regulations regarding medical debt reporting. As of XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) has implemented new guidelines which mandate the removal of all medical debt from consumer credit reports. 
According to these new regulations, any medical debt that has been reported on my credit report should now be removed as it no longer meets the criteria for inclusion under the revised CFPB guidelines. 
I respectfully request that you review my credit report and ensure the removal of any medical debt as required by this new policy. Please confirm in writing once these changes have been made. 
Thank you for your prompt attention to this matter. Should you need any additional documentation or information to facilitate this process, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX Last 4 of SSN : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation