vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I contacted portfolio recovery in regard to the account that in shown as a collection account in the amount of {$620.00}, they stated that I am a consignor on this account and that the account was opened by my former spouse. I disputed this account twice since I never authorized this transaction under my name and have not been able to get it removed from my credit report. I have contacted my former spouse about this issue, and she stated that she is unable to pay for this account at this time and not sure when she will be able to do so. Furthermore, the company that my spouse had the debt with was a furniture company called rooms to go which in turn sold the debt to portfolio recoveries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC.
State: WA

Complaint narrative:
I am writing to formally dispute inaccurate information reported by Netcredit on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). I have verified this incorrect information through copies of my credit report obtained from the major credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
American Express has been calling my business phone twice a day with overlapping phonecalls making it impossible for another call to come in. It started on XX/XX/XXXX after i asked them to quit calling me. Every day they have called twice meaning they have attempted to contact me 14 times a week for three weeks straight even after i said i would try to get set up on there plan when i got back on my feet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: FIFTH THIRD FINANCIAL CORPORATION
State: AR

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : Its also states Consumer reporting agency can not furnish a 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 and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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 WAS INFORM THAT MY PERSONAL INFORMATION WAS EXPOSE IN A DATA BREACH AN I LOOK AT MY CREDIT REPORT AN SEEN SOME INACCURATE INFOMATION AND ACCOUNTS

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 2025-01-04 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: NJ

Complaint narrative:
My Equifax report was impacted because of the XXXX Data breach. And there were many accounts that came onto my report that did not belong to me. I submitted my dispute with Equifax and also submitted my FTC report and they did not abide by section 605b the items should have been removed within 4 days. 

The dates of the disputes are XX/XX/XXXX XXXX XXXX {$2200.00} XX/XX/XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX {$0.00} I disputed these accounts and sent in the FTC report. After the XXXX XXXX I called in they told me they couldnt verify my FTC report which is why the accounts were still under investigation. This is a lie because my FTC report is indeed accurate and right from the FTC website. This has made a horrible impact on my life and has stopped me from being able to do many things that were planned to be done on behalf due to these fraudulent accounts. I just want these items to be removed sooner than later so I can get on with my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information contained in my credit report, as allowed under the Fair Credit Reporting Act ( FCRA ). Specifically, I request your assistance in investigating and removing the inaccurate entries that are affecting my credit profile.

According to 15 U.S. Code 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. Furthermore, under 15 U.S. Code 1681i ( 5 ), inaccurate or unverifiable information must be promptly addressed and removed from a consumer 's report.

After reviewing my credit report, I have identified the following inaccuracies requesting for removal immediately : Experian XXXX XXXX XXXX XXXX XXXX XXXX Open/closed Open {$10000.00} Date opened XX/XX/XXXX XXXX XXXXXXXX Open/closed Closed {$1000.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$14000.00} Open/Closed Closed Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$4600.00} Open/closed Closed Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$5700.00} Open/closed Closed Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$12000.00} Open/closed Closed Date opened XX/XX/XXXX XXXX Credit Accounts XXXX XXXXXXXX XXXX  XXXX Open/closed Open {$10000.00} Date opened XX/XX/XXXX XXXX XXXX Open/closed Closed {$1000.00} Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$14000.00} Open/Closed Closed Date Opened XX/XX/XXXX XXXX XXXX XXXXXXXX {$4600.00} Open/closed Closed Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$5700.00} Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX {$12000.00} Open/closed Closed Date opened XX/XX/XXXX XXXX Credit Accounts XXXX XXXX XXXX XXXXXXXX Open/closed Open {$10000.00} Date opened XX/XX/XXXXXXXX XXXX XXXX Open/closed Closed {$1000.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$14000.00} Open/Closed Closed Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$4600.00} Open/closed Closed Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$5700.00} Open/closed Closed Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$12000.00} Open/closed Closed Date opened XX/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 2025-01-06 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are 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
Consumer complaint received 2025-01-04 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: SC

Complaint narrative:
For the longest, I have been getting overdraft fees reaching to {$500.00} at times due to overdraft fees which is {$20.00} per transaction at times totaling up to {$500.00}. Theres money in my account prior to the overdraft fees which I would always be confused about. Is there anyway I can get assistance in this matter? Its been happening for years now and Im XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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 never gave anyone permissible purpose to pull my consumer report. These inquires are a result of identity theft please remove. 
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 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: SC

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Phone Number ] [ Email Address ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, Zip Code ] Re : Letter to remove Inaccurate Credit Information to whom it may concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The following personal information is incorrect Alias : XXXX XXXX XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.. 

XXXX. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.. 

XXXX. Validate Account XXXX  Date of inquiry : XX/XX/year> Please investigate and delete from my credit report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months Thank you for your time and help in this matter. 

Sincerely, [ Your Name ] [ Your Signature ( if sending a hard copy ) ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: SC

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Phone Number ] [ Email Address ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, Zip Code ] Re : Letter to remove Inaccurate Credit Information to whom it may concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.. 

XXXX. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.. 

XXXX. Validate Account XXXX Date of inquiry : XX/XX/year> Please investigate and delete from my credit report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months Thank you for your time and help in this matter. 

Sincerely, [ Your Name ] [ Your Signature ( if sending a hard copy ) ]

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 2025-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I am currently on the XXXX on a XXXX XXXX ( XXXX ) repayment plan, and as of XX/XX/XXXX, Advantage placed my loans in administrative forbearance, scheduled to end on XX/XX/XXXX. 

According to the notice I received, no payments are required during this forbearance period, and my interest rate will be set to XXXX XXXX  meaning no interest should accrue. However, I have noticed that interest is being added to all my loans daily. 

I would appreciate it if you could clarify this discrepancy and confirm whether my loans should be accruing interest during this period. Additionally, I kindly request a detailed breakdown of any interest charges applied to my account. 

Thank you for your time and assistance. I look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MN

Complaint narrative:
From on or about XX/XX/year> until XX/XX/year>, an online seller took my money promising to send me videos and other items but they never did, to the tune of XXXX. Cash App refused to take any action, in fact they allowed the scammer to continue operating despite being put on notice that that persons cash app was being used to commit fraud. Cash App refused to refund my money. the name of the scammer was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: NV

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below has violated my federal protective consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX XXXX, account # XXXX has violated my rights.

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish the account without my written instruction.

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

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 2025-01-04 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: NV

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below has violated my federal protective consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, account # XXXX has violated my rights.

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish the account without my written instruction.

15 USC 1681 C ( 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 USC 1681 S-2 ( A ) ( 1 ) a person shall not furnish any information related 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 explanation
Consumer complaint received 2025-01-04 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: TX

Complaint narrative:
Recently, I did an investigation of my credit report and found several items on the report that were inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Please remove the following items from my credit report, immediately : XXXX XXXX XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX This account is being reported inaccurately, please remove it from my account. 

Great State This account is being reported inaccurately, please remove it from my account. 

XXXX  XXXX This account is being reported inaccurately, please remove it from my 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 non-monetary relief