vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 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: EQUIFAX, INC.
State: NC

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am reaching out regarding a significant credit issue that I have been unable to resolve despite extensive efforts. This situation has negatively impacted my financial standing and livelihood, and I urgently need assistance. 



I have made consistent on-time mortgage payments for over 10 years through my banks XXXX XXXX system. Unfortunately, due to changes in mortgage servicing companies and billing systems, my payments have not been properly credited, resulting in incorrect late payment reports on my credit file. Below is a summary of the issue : 1. Consistent Payments : I have always made my payments on time via online XXXX XXXX 

2. Mortgage Servicer Transfers : Over the years, my mortgage has been sold and transferred between multiple servicers. Payments were sent to the previous servicer, and then forwarded to the current servicer, causing delays. 

3. Bank System Changes : My bank, XXXX XXXX, informed me they recently updated their XXXX XXXX system, which may have compounded the issue. 

4. Documentation Submitted : I have provided a complete paper trail to XXXX Mortgage, including proof of payment and correspondence detailing the issue. Despite this, the problem persists. 

5. Credit Damage : My credit score, previously in the upper XXXX to low XXXX, has plummeted to the XXXX, significantly impacting my ability to conduct business and secure financial resources. 



I am a licensed North Carolina general contractor and real estate broker. My professional reputation and ability to sustain my livelihood depend on my creditworthiness, and this erroneous reporting has caused undue hardship. I have contacted the Federal Trade Commission, Equifax, XXXX, and XXXX, but I have not received a resolution. Additionally, I have spoken with multiple representatives at XXXX XXXX, but no corrective action has been taken. 



I am respectfully requesting immediate intervention to : Investigate this matter thoroughly. 

Correct any inaccuracies on my credit report. 

Ensure my payment history reflects my consistent, on-time payments. 



Please let me know if additional documentation or information is required to resolve this matter. I am prepared to provide any necessary details promptly. 



Thank you for your time and assistance. This issue is deeply affecting my financial stability and professional obligations, and I hope for a swift resolution. 



Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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:
Fraud Accounts below : XXXXXXXX XXXX XXXXXXXX {$0.00} - Only showing on Experian XXXX XXXX  {$9700.00} -Only showing on Experian XXXX XXXX $ XXXX Showing on XXXX, XXXX, Experian but all showing differently amounts XXXX XXXX XXXXXXXX on XXXX, XXXX, Experian but all showing differently amounts XXXX XXXXXXXX XXXX XXXXXXXX on XXXX XXXX XXXX and Experian XXXX XXXX XXXX {$0.00} XXXXShowing only on XXXX XXXX XXXX XXXX XXXX $ XXXX Showing only on XXXX The accounts above have been listed on my credit incorrect. The accounts have been reported to the Federal Trade Commission ( FTC ) as a result of identity theft, and I am formally notifying you that these accounts was opened fraudulently and is not my responsibility. I did not authorize or open the accounts and I have taken steps to resolve this matter, including filing an identity theft report with the FTC and law enforcement. Under 15 U.S.C 1681 c-2, the Fair Credit Reporting Act ( FRCA ) provides that if a consumer reports fraudulent activity, they are entitled to a prompt and fair investigation and any fraudulent information must be removed from their credit reports. As I have filed a formal identity theft report.

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 2025-01-15 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 am writing to formally address a matter concerning a transaction or credit request allegedly made through this companies. After reviewing my records, I must state unequivocally that I do not recognize having authorized or initiated any transaction or credit application. 

Creditor Name : XXXX  Date of Inquiry : XX/XX/XXXX Credit Bureau : XXXX And Creditor Name : XXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXX Credit Bureau : Experian

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 2025-01-15 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:
Navy federal would charge me for insufficient funds or over draft fees and the money was there they would do it after the fact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCF Intermediate Holdings LLC
State: MN

Complaint narrative:
On XX/XX/XXXX I received a call from XXXX XXXX XXXX claiming that I owe a debt to SpeedyCash. This debt was discharged in my XXXX  XXXX case discharged in XX/XX/XXXX. Case # XXXX. It is important to note that this case started off as a XXXX  XXXX filed in XX/XX/XXXX, however this case was convert to a XXXX XXXX in XX/XX/XXXX. Any debts incurred before the date of conversion are treated as pre-petition debts and have been discharged. That includes this debt. If you have questions, contact my attorney listed on my discharge form that is attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
there is a company on my report I never had an account with by the name of Resurgent Receivables LLC. Ive spoken with the company and the credit bureaus and they did not remove this collection off my account. this account was opened on XX/XX/XXXX, XXXX i disputed this matter and yet it still has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
LVNV Funding LLC c/o Resurgent Capital Services XXXX XXXX XXXX XXXX, SC XXXX Re : Dispute of Account Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the above-referenced account and request verification of its authenticity. I recently reviewed my credit report and discovered that this account was reported without my authorization or proper notification. 

I believe this account to be inaccurate and unverifiable. I have not provided authorization to your company or any associated third parties to obtain or use my personal information for collection purposes. Furthermore, I did not receive proper validation of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 

I have also filed a dispute with XXXX, and I believe the investigation was not conducted thoroughly. Therefore, I am requesting the following : 1. Proof of the original creditor and account details, including all documentation verifying the validity of the debt.

2. Proof of your authorization to collect this debt, including a copy of the agreement granting your company the right to pursue collection.

3. A detailed payment history and breakdown of the balance you claim I owe.

4. Any communication or agreements you believe justify this collection. 

Under the FDCPA, you are required to cease all collection activity until the debt is fully validated and proven to be accurate. If this debt can not be verified, I request that it be removed from my credit report and all collection activities cease immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: FL

Complaint narrative:
After reviewing my credit report there were multiple accounts that were incorrect. 
On the date XX/XX/XXXXXXXX  a XXXX XXXX XXXX was opened and it has a total balance of {$9200.00}. On the date XX/XX/XXXX a XXXX XXXX XXXX was opened with a total balance of {$7400.00}. On the date XX/XX/XXXX a XXXX XXXX XXXX was opened with a total balance of {$1400.00}. On the date XX/XX/XXXX a XXXX XXXX was opened with a total balance of {$2000.00}. To conclude, On the date XX/XX/XXXX a XXXX XXXX was opened with a balance of {$2200.00}. I have received multiple calls from debt collectors of debt that i don't recognize. There were also Inquiries on my report that i never initiated. On the date XX/XX/XXXX a Inquiry was opened by XXXX XXXX XXXX. On the date XX/XX/XXXX a Inquiry was opened by XXXX XXXX XXXX XXXX On the date XX/XX/XXXX a Inquiry was opened by XXXX XXXXXXXX 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 2025-01-15 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: FL

Complaint narrative:
After reviewing my credit report there were multiple accounts that were incorrect. 
On the date XX/XX/XXXX a XXXX XXXX XXXX was opened and it has a total balance of {$9200.00}. On the date XX/XX/XXXX a XXXX XXXX XXXX was opened with a total balance of {$7400.00}. On the date XX/XX/XXXX a XXXX XXXX XXXX was opened with a total balance of {$1400.00}. On the date XX/XX/XXXX a XXXX XXXX was opened with a total balance of {$2000.00}. To conclude, On the date XX/XX/XXXX a XXXX  XXXX was opened with a balance of {$2200.00}. I have received multiple calls from debt collectors of debt that i don't recognize. There were also Inquiries on my report that i never initiated. On the date XX/XX/XXXX a Inquiry was opened by XXXX XXXX XXXX On the date XX/XX/XXXX a Inquiry was opened by XXXX XXXX XXXX XXXX On the date XX/XX/XXXX a Inquiry was opened by XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian never investigated but verified the account. They never did a full investigation.

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 2025-01-15 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: FL

Complaint narrative:
After reviewing my credit report there were multiple accounts that were incorrect. 
On the date XX/XX/XXXX a XXXX XXXX XXXX was opened and it has a total balance of {$9200.00}. On the date XX/XX/XXXX a XXXX XXXX XXXX was opened with a total balance of {$7400.00}. On the date XX/XX/XXXX a XXXX XXXX XXXX was opened with a total balance of {$1400.00}. On the date XX/XX/XXXX a XXXX XXXX was opened with a total balance of {$2000.00}. To conclude, On the date XX/XX/XXXX a XXXX  XXXX was opened with a balance of {$2200.00}. I have received multiple calls from debt collectors of debt that i don't recognize. There were also Inquiries on my report that i never initiated. On the date XX/XX/XXXX a Inquiry was opened by XXXX XXXX XXXX. On the date XX/XX/XXXX a Inquiry was opened by XXXX XXXX XXXX XXXX On the date XX/XX/XXXX a Inquiry was opened by XXXX XXXXXXXX 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 2025-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Dispute of Inaccurate Collections Reported on My Credit Report FCRA 15 USC 1681 Dear Sir/Madam, I am writing to file a formal dispute regarding the collection account ( s ) listed on my credit report under the name Contract Callers Inc. for the account number XXXX. Upon reviewing my credit report, I believe the collection account ( s ) reported are inaccurate or incomplete, and I am requesting an investigation under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. 

The collection account shows the following details : Creditor Name : XXXX XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$300.00} Dispute Details : I dispute the following details regarding the collection account : The date of the collection is incorrect, as this debt was settled before the reported date. 

Request for Action : In accordance with the FCRA, I am requesting the CFPBs assistance in resolving this matter. I ask that the collection account ( s ) be investigated and corrected if the information is inaccurate or incomplete. If the debt can not be substantiated, I request that it be removed from my credit report entirely. 

If the debt has been paid or settled, I request that the collection account be marked as Paid or Settled to reflect the current status of the debt. If the information is found to be inaccurate, I request that the account be deleted from my credit report in accordance

with 15 USC 1681i. I appreciate your timely attention to this matter and expect to receive a response
within 30 days, as required by law
. 

Thank you for your assistance in ensuring my credit file is accurate and up to date. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Good day!

I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 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: VA

Complaint narrative:
Transunion refuses to remove fraudulent inquiries from my report. I have tried several times to have them removed. They are from XXXX XXXX XXXX XXXX XXXX and 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 2025-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I have been receiving multiple calls daily from portfolio recovery associates llc. They never contacted me in writing about what the debt was the details about it or the right to dispute. In the process currently of requesting the original purchase agreement from the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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 dispute 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 2025-01-15 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: GA

Complaint narrative:
Subject : Dispute of Inaccurate and Unverified Information on Credit Report - FCRA Section 611 and 609.

To Whom It May Concem : I formally request that the following Inaccurate, Unverified and Incomplete ( Information ) items be immediately investigated. They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting. Act ( FCRA ), section 611 - specifically 15 USC 1681i ( 5 ) ( A ) Treatment of inaccurate or unverifiable information ( A ) and Pursuant to the Fair Credit Reporting Act ( FCRA ), Section 609 - specifically 15 USC section 1681g. I will expect you to complete the verification withing 30 ( thirty ) days.

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 2025-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I just checked my credit for the first time and i have inquiries that do not belong to me. I have been a victim of identity theft Inquiries- 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 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 2025-01-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I just checked my credit for the first time and i have inquiries that do not belong to me. I have been a victim of identity theft Inquiries- 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