vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Questioned a charge. USAA cancelled my card. Told me I could request expedited delivery on mobile app but there was no way to do it. Called them and said replacement card would take XXXX  days. Wont tell me when card was mailed and want to charge me {$20.00} for expedited delivery. Credit card is tied to my medication delivery. So no medication for XXXX XXXX XXXX woman Had nerve and violation of my privacy to say I had money in my bank account to pay for medication. Then said I could use another credit card.

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 — Problem with personal statement of dispute
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
We have a VA mortgage that is serviced by Pennymac and have had this loan since XXXX. 
Pennymac ( PM ) is reporting us 120 days late. We entered into a Covid-19 forbearance program in XX/XX/XXXX due to a job and health emergency. In XX/XX/XXXX we connected with a VA advocate through the VA and he worked directly with PennyMac on our behalf. In XX/XX/XXXX, we resumed our monthly payments but PM kept us in forbearance pending the VA Modification plan that was pending approval and had been extended in the XXXX XXXX. We only found out recently that our payments made XXXX were allocated to the mortgage payments due during forbearance ( Starting with XX/XX/XXXX ). Our understanding was that the forbearance period was " grouped '' together pending the modification terms. We were sent a letter on XX/XX/XXXX, " In accordance with the requirements of the Fair Credit Reporting ... .. we will report your loan current and in a Forbearance plan to the credit reporting agencies. '' The letter dated XX/XX/XXXX offered us a loan modification program. This letter did not state that if we entered into the program, PM would report that we were delinquent on our mortgage ( due to the application of payments made ). We were approved for the modification and notified by aletter dated XX/XX/XXXX, which was not received until after the first payment under the loan modification plan was tendered. It wasn't until after our first payment under the program that we were told PM would, " continue to report the delinquency status of your loan to credit reporting agencies ... '' Had we been properly notified and made aware, we may have chosen a different method to bring the account current ( i.e 401k, personal loan, etc ) During our hardship, we worked diligently to maintain our credit and pay our liabilities so this report of 120 days late was a shock to us. We have engaged a lawyer who has written a letter to PM, filed a complaint with TN department of consumer affairs and the TN department of XXXX but there has been no further change from PM. We have completed the trial modification plan but PM continues to report the account as late even though we have paid in accordance with the plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IA

Complaint narrative:
Im filing a complain against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

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: PA

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 XXXX XXXX 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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating 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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating 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 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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A month prior, I lodged a complaint with these Bureaus ; however, the erroneous information on my report remains unchanged. I have not received any communication from them, apart from your notice indicating that the company has responded to my complaint. How can I be assured that they have thoroughly examined the inaccuracies? What measures were implemented to validate the accounts? This entire situation is exceedingly frustrating, particularly given that more than 30 days have elapsed since I submitted my complaint.

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A month prior, I lodged a complaint with these Bureaus ; however, the erroneous information on my report remains unchanged. I have not received any communication from them, apart from your notice indicating that the company has responded to my complaint. How can I be assured that they have thoroughly examined the inaccuracies? What measures were implemented to validate the accounts? This entire situation is exceedingly frustrating, particularly given that more than 30 days have elapsed since I submitted my complaint.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
For multiple times of saying this, Ive had my identity stolen and need your assistance to quickly eliminate these fraudulent entries. Please delete this particular item at your earliest convenience and make sure to update all other inaccurate information without delay.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/2025 XXXX. XXXX XXXX - XX/XX/2025 XXXX. XXXX XXXX - XX/XX/2025 XXXX. XXXX XXXX - XX/XX/2025 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: CA

Complaint narrative:
I disputed all charge offs in my credit report. The creditor claims it is still owed, but also wrote it off as a loss Inconsistent financial reporting. Per, Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) Requires furnishers ( creditors, debt collectors ) to report accurate information.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I noticed several hard inquiries on all XXXX of my credit reports ( XXXX, XXXX, XXXX XXXX ). I even received several denial of credit letters in the mail for stuff I never applied for. Instant credit was even provided in more than XXXX incident. I have contacted the phone numbers listed to explain the situation to no avail. They always say, I'm sorry ma'am, there is nothing I can do. 
There are also addresses on my reports that are in states I have never lived in. Email addresses as well. My name is misspelled several times and other last names have been added as well. 
Jobs that I have never worked, etc. Inquiries are as follows : XXXX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX  XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX Also, these collection agencies are harassing me for alleged debt that they claim I owe them but these are fraudulent accounts. 
XXXX XXXX XXXX {$530.00} LVNV FUNDING LLC {$600.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$430.00} There is an account with XXXX/XXXX  {$600.00} That I never opened and it says I have XXXX late payments. 
XXXX  XXXX  {$540.00} says I had XXXX late payment and I NEVER did. 
XXXX  XXXX  {$620.00} FRAUDULENT XXXX XXXX  XXXX {$760.00} FRAUDULENT

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I noticed several hard inquiries on all XXXX of my credit reports ( XXXX, XXXX, XXXX XXXX ). I even received several denial of credit letters in the mail for stuff I never applied for. Instant credit was even provided in more than XXXX incident. I have contacted the phone numbers listed to explain the situation to no avail. They always say, I'm sorry ma'am, there is nothing I can do. 
There are also addresses on my reports that are in states I have never lived in. Email addresses as well. My name is misspelled several times and other last names have been added as well. 
Jobs that I have never worked, etc. Inquiries are as follows : XXXX/XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX  XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX MI XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX Also, these collection agencies are harassing me for alleged debt that they claim I owe them but these are fraudulent accounts. 
XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$600.00} MIDLAND CREDIT MANAGEMENT {$730.00} XXXX XXXX XXXX {$430.00} There is an account with XXXX/XXXX  {$600.00} That I never opened and it says I have XXXX late payments. 
XXXX  XXXX  {$540.00} says I had XXXX late payment and I NEVER did. 
XXXX  XXXX  {$620.00} FRAUDULENT XXXX XXXX  XXXX {$760.00} FRAUDULENT

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EQUIFAX, TRANSUNION, AND EQUIFAX IS IN VIOLATION OF THE FCRA SECTION 611 ( a ), 611 ( a ) ( 7 ) THIS ACCOUNT MUST BE DELECTED ACCORDING TO THE FCRA SECTION 611 ( a ) ( 1 ). ALL ATTACHMENTS PROVE THE VIOLATION CLEARLY.

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: FL

Complaint narrative:
EQUIFAX, TRANSUNION, AND EQUIFAX IS IN VIOLATION OF THE FCRA SECTION 611 ( a ), 611 ( a ) ( 7 ) THIS ACCOUNT MUST BE DELECTED ACCORDING TO THE FCRA SECTION 611 ( a ) ( 1 ). ALL ATTACHMENTS PROVE THE VIOLATION CLEARLY.

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: FL

Complaint narrative:
EQUIFAX, TRANSUNION, AND EQUIFAX IS IN VIOLATION OF THE FCRA SECTION 611 ( a ), 611 ( a ) ( 7 ) THIS ACCOUNT MUST BE DELECTED ACCORDING TO THE FCRA SECTION 611 ( a ) ( 1 ). ALL ATTACHMENTS PROVE THE VIOLATION CLEARLY.

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 fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I attempted to start a fraud alert on my credit based on the security questions that XXXX XXXX uses when starting a new account. It was asking me about loans that had been taken out while I was a minor, along with others I didn't recognize. When I went to fill out the form for the fraud alert it said that it was unable to confirm my identity and I was still unable to either file the alerts or request a copy of my credit report in order to confirm these charges that both XXXX and XXXX XXXX found when running the security questions portion of the forms.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources
State: SC

Complaint narrative:
I had paid the final month of the insurance. I tried to contact them. Kept being transferred and put on hold.

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 — Problem with customer service
Company: MOHELA
State: FL

Complaint narrative:
Hello- I have been in chapter XXXX bankruptcy for a year and now I am showing delinquent on my student loan repayment. I have sent in my paperwork, my attorney has sent in paperwork, we have both called and spent hours on hold to no avail. I am beyond frustrated and now its affecting my credit score. Please let me know if I can do anything further to help. Im with Mohela.

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