vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: PA

Complaint narrative:
Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report infor- mation correctly, violates the Fair Credit Reporting Act. 
Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c ). 
Thank you for your attention to this matter.

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 2025-01-31 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: PA

Complaint narrative:
Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report infor- mation correctly, violates the Fair Credit Reporting Act.

Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c ).

Thank you for your attention to this matter.

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 2025-01-31 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: PA

Complaint narrative:
Please verify the debt as required by the Fair Debt Collection Practices Act.

I am disputing this debt because I do not owe it.

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report infor- mation correctly, violates the Fair Credit Reporting Act.

Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c ). 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> My Identity was stolen and my information was used without knowledge or approval, and this account show multiple on my credit report and also sold to a collector. 15 USC 1602 ( g ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: IL

Complaint narrative:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 non-monetary relief
Consumer complaint received 2025-01-31 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: LA

Complaint narrative:
I am formally filing this complaint against [ XXXX ] for egregious violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and demand immediate corrective action. Despite my lawful rights, this company has engaged in deceptive, non-compliant, and negligent practices that have caused harm to my credit standing, financial well-being, and legal rights. 

FCRA Violations Committed by [ XXXX ] Failure to Investigate Disputed Information ( 1681i ) Despite my formal dispute submitted on [ XXXX XXXX ], [ XXXX ] has failed to conduct a reasonable reinvestigation within the required 30-day period, violating my consumer rights.

Reporting Inaccurate or Unverified Information ( 1681e ( b ) ) The company continues to report inaccurate, incomplete, and unverified information, damaging my credit profile and financial credibility.

Failure to Provide Complete and Accurate Information ( 1681s-2 ) The furnisher of information has failed to correct or remove erroneous data upon dispute, thereby breaching their legal duty.

Failure to Provide Proper Notice of Adverse Actions ( 1681m ) I was not properly notified of adverse decisions based on my credit report, violating transparency and disclosure requirements under the FCRA.

Remedy & Demands Given these serious violations, I demand : The immediate deletion and correction of all inaccurate, unverified, and outdated information from my credit report.

A formal written response within 15 days acknowledging this complaint and outlining corrective actions taken.

The enforcement of maximum statutory damages, including penalties of up to {$1000.00} per violation under 1681n for willful noncompliance.

If this matter is not resolved immediately, I will escalate to legal action, including filing a lawsuit in federal court for willful or negligent FCRA violations.

Failure to address these violations will result in a formal complaint to the Federal Trade Commission ( FTC ), state Attorney Generals office, and additional legal recourse to ensure full accountability.

I expect immediate action to rectify this issue. If I do not receive a response within the legally mandated time frame, I will pursue all available legal avenues. 

Sincerely, [ 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 2025-01-31 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: LA

Complaint narrative:
I am formally filing this complaint against [ XXXX ] for egregious violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and demand immediate corrective action. Despite my lawful rights, this company has engaged in deceptive, non-compliant, and negligent practices that have caused harm to my credit standing, financial well-being, and legal rights. 

FCRA Violations Committed by [ XXXX ] Failure to Investigate Disputed Information ( 1681i ) Despite my formal dispute submitted on [ XXXX XXXX ], [ XXXX ] has failed to conduct a reasonable reinvestigation within the required 30-day period, violating my consumer rights.

Reporting Inaccurate or Unverified Information ( 1681e ( b ) ) The company continues to report inaccurate, incomplete, and unverified information, damaging my credit profile and financial credibility.

Failure to Provide Complete and Accurate Information ( 1681s-2 ) The furnisher of information has failed to correct or remove erroneous data upon dispute, thereby breaching their legal duty.

Failure to Provide Proper Notice of Adverse Actions ( 1681m ) I was not properly notified of adverse decisions based on my credit report, violating transparency and disclosure requirements under the FCRA.

Remedy & Demands Given these serious violations, I demand : The immediate deletion and correction of all inaccurate, unverified, and outdated information from my credit report.

A formal written response within 15 days acknowledging this complaint and outlining corrective actions taken.

The enforcement of maximum statutory damages, including penalties of up to {$1000.00} per violation under 1681n for willful noncompliance.

If this matter is not resolved immediately, I will escalate to legal action, including filing a lawsuit in federal court for willful or negligent FCRA violations. 
Failure to address these violations will result in a formal complaint to the Federal Trade Commission ( FTC ), state Attorney Generals office, and additional legal recourse to ensure full accountability.

I expect immediate action to rectify this issue. If I do not receive a response within the legally mandated time frame, I will pursue all available legal avenues. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: IL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 explanation
Consumer complaint received 2025-01-31 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: MOHELA
State: MS

Complaint narrative:
As of XXXX as stated in the pdf file and Mohela website, my student loan that is under administrative forbearance has accrued interest of {$750.00} increasing the principal from {$42000.00} to {$43000.00} even though it is NOT allowed to accrue interest at this time as someone affected by the limbo caused by the Supreme Court battle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: IL

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Charge-Off XXXX XXXX  Account To whom it concern, I am writing to formally dispute the charge-off notation on my credit report regarding my XXXX XXXX  account, which was opened on XX/XX/XXXX. The account reflects a charge-off of {$5800.00}, with a written-off amount of {$5800.00}, and a past-due status as of XX/XX/XXXX. I believe this reporting is inaccurate and request an immediate investigation under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ]. 

Upon reviewing my records, I have reason to believe that this debt has been sold or transferred to a third party. If XXXX XXXX XXXX XXXX XXXXo longer owns the debt, they may no longer have the legal right to report the charge-off balance. As such, I request verification of the ownership and legal XXXX XXXX XXXX XXXX to report this account in its current status. 

Under the FCRA, any information reported to credit bureaus must be accurate, complete, and verifiable. If XXXX XXXX XXXX XXXX is not the current owner of the debt, I formally request the following : Verification of Debt Ownership Provide written documentation that XXXX XXXX XXXX XXXX retains ownership of the debt and has the legal right to report the charge-off status. 
Proof of Account Status If the account has been transferred or sold, provide verification of the entity that currently owns the debt. 
Immediate Removal if Unverifiable If XXXX XXXX can not provide verifiable proof that they are legally authorized to report this charge-off, I demand that this account be deleted from my credit report immediately in accordance with FCRA guidelines XXXX 
I have enclosed copies of my identification, proof of address, and a copy of my credit report highlighting the disputed account for reference.

As required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I expect a response within 30 days of receipt of this letter. If the disputed information can not be substantiated, please ensure its removal from my credit file and provide me with a written confirmation of the deletion. 

Please confirm receipt of this dispute and provide me with the results of your investigation in writing. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits. I was unfairly charged overdraft fees. 

This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: CA

Complaint narrative:
I came across this the CFPB XXXX lawsuit. 

I feel that I was negatively impacted by TRANSUNION and XXXX, hurting my chances of receiving housing and credit after receiving a response to my earlier disputes that the accounts were " verified ''. But I do not see any details about you investigation. 

Complaint Number : XXXX, XXXX Complaint Date : XX/XX/year>, XX/XX/year> It is the law that the items that they are reporting are 100 % accurate and they have failed to provide me with the proof and this has landed my family and I into homelessness and is causing me a lot of stress! 

And now I can not access my Transunion report now!

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 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC
State: GA

Complaint narrative:
I am writing to dispute the validity of the debt reported by your agency under account number XXXX, which is listed as a collection account. The debt, reported as {$1400.00} past due as of XX/XX/year>, is entirely inaccurate, and I do not recognize this debt. As such, I am requesting immediate debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ), which affords me the right to request written verification of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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:
As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640 Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement o 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records.

Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

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 2025-01-31 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:
As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640 Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement o 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records.

Cc Consumer Financial Protection Bureau. Cc
Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: MA

Complaint narrative:
They did not have consumer protections posted before transfers were sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: CA

Complaint narrative:
I came across this the CFPB XXXX lawsuit. 

I feel that I was negatively impacted by XXXX and EQUIFAX, hurting my chances of receiving housing and credit after receiving a response to my earlier disputes that the accounts were " verified ''. But I do not see any details about you investigation. 

Complaint Number : XXXX, XXXX Complaint Date : XX/XX/year>, XX/XX/year> It is the law that the items that they are reporting are 100 % accurate and they have failed to provide me with the proof and this has landed my family and I into homelessness and is causing me a lot of stress! 

And now I can not access my XXXX report now!

Company response to consumer: Closed with explanation