vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 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: VA

Complaint narrative:
To Whom It May Concern, I am writing to formally express my concerns regarding a serious financial issue I experienced with Navy Federal Credit Union on or around XX/XX/year>. My account was overcharged and placed into overdraft by approximately {$500.00}. This occurred in the midst of a highly stressful and vulnerable time, and I believe the banks actionsor lack thereofcaused me significant financial and emotional distress. 

Specifically, my debit card was stolen and my account was subsequently hacked. Despite my attempts to report the fraudulent activity, XXXX XXXX did not provide adequate support or compensation. As a result of this breach, I lost a total of $ XXXX remaining funds I had in my account at the time. This situation left me without any financial resources and caused lasting harm to my personal and professional stability. 

Due to the negligence in handling the unauthorized charges and the lack of a timely resolution or reimbursement, I am requesting compensation of {$10000.00} or more in damages. This amount reflects not only the direct financial losses I suffered but also the undue stress, inconvenience, and setbacks this situation caused in my life. 

I urge XXXX XXXX to take this matter seriously and to review the handling of my case. I am seeking a fair resolution and compensation for the hardship I endured as a result of this oversight.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Action Collection Service
State: ID

Complaint narrative:
I filed a complaint with this company specifically for one debtXXXX XXXX XXXX XXXX. The information they provided was inaccurate and inconsistent. The amounts were different and there is no signature on some of the documents. And the dates are inconsistent as well. The paper work is not filled out in its entirety. And the documents they provided

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: MI

Complaint narrative:
I am writing to formally dispute this reinserted account on my credit report. This account was previously deleted from my credit report, but it has recently been reinserted without any lawful reason or notification, which is a violation of the Fair Credit Reporting Act ( FCRA ). 
Details of the Account : * XXXXXXXX XXXX Delaware * Account number XXXX * Date of Original Deletion : XX/XX/year> * Date of Reinsertion : XX/XX/year> Under the FCRA, specifically Section 611 ( a ) ( 5 ) ( B ), I am entitled to be notified within five business days if a previously deleted item is reinserted into my credit report. I did not receive any such notification regarding the reinsertion of this account, and therefore, I am requesting the immediate removal of this account from my credit report. 
I expect it to be permanently deleted from my credit report. Enclosed with this letter are copies of my identification and the original deletion notice ( if available ) for your reference. Your prompt attention to this matter and look forward to your response within the 30-day time frame as required by law.This account has been reported ass closed for the last three months yet it has been re-aging this alleged debt. Which is a violation of my lawful rights as a federally protected consumer under title XXXX of the US Constitution in the FCRA.

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 2025-05-10 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: MI

Complaint narrative:
I am writing to formally dispute this reinserted account on my credit report. This account was previously deleted from my credit report, but it has recently been reinserted without any lawful reason or notification, which is a violation of the Fair Credit Reporting Act ( FCRA ). 
Details of the Account : * XXXXXXXX XXXX Delaware * Account number XXXX * Date of Original Deletion : XX/XX/year> * Date of Reinsertion : XX/XX/year> Under the FCRA, specifically Section 611 ( a ) ( 5 ) ( B ), I am entitled to be notified within five business days if a previously deleted item is reinserted into my credit report. I did not receive any such notification regarding the reinsertion of this account, and therefore, I am requesting the immediate removal of this account from my credit report. 
I expect it to be permanently deleted from my credit report. Enclosed with this letter are copies of my identification and the original deletion notice ( if available ) for your reference. Your prompt attention to this matter and look forward to your response within the 30-day time frame as required by law.This account has been reported ass closed for the last three months yet it has been re-aging this alleged debt. Which is a violation of my lawful rights as a federally protected consumer under title XXXX of the US Constitution in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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:
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. 
Convergent Account XXXX XXXX XXXX XXXX, has violated my rights. 

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 seven 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 explanation
Consumer complaint received 2025-05-10 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:
This creditor XXXX XXXX XXXX account number XXXX with a balance of XXXX, is reporting false and inaccurate information on my credit report I have absolutely no knowledge of who this creditor is and they refused to provide me with any form of a debt validation. According to the fcra it is illegal to furnish inaccurate information on my credit report without my consent and states that it should be removed immediately

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 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
In XX/XX/year>, I paid the remaining balance on my Citibank XXXX card account ending in XXXX. As a result of an overpayment, Citibank owes me {$7.00}, but I have not received the refund, including interest for the overpayment.

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 monetary relief
Consumer complaint received 2025-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft and have submitted an FTC Identity Theft Report along with copies of my government-issued ID and proof of address to the credit bureaus. 

XXXXXXXX XXXX : I have repeatedly disputed a XXXXXXXX XXXX account that does not belong to me. I provided full documentation to Experian, Equifax, and TransUnion including my FTC Identity Theft Report. The account remains on my credit report despite being properly disputed under FCRA 605B. 

XXXX XXXX Services : I have disputed an XXXX XXXX XXXX collection account which does not belong to me. I contacted XXXX, but they refused to speak with me or verify the account. I also contacted TransUnion and Experian was told the account does not exist in their system, even though I have a current IdentityIQ credit report showing that XXXX is reporting it. 

These companies are violating FCRA 611 by failing to conduct reasonable investigations, and XXXX is violating FDCPA 809 by refusing to validate the debt with me while continuing to report it. 

I am requesting immediate deletion of both accounts from all credit bureaus and a full investigation by the CFPB.

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 2025-05-10 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: RI

Complaint narrative:
They reported inaccurate late payments on my student loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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:
This CFPB complaint is submitted pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to request that TransUnion immediately block and remove the fraudulent and unauthorized accounts listed below from my consumer credit report within four business days of receiving this complaint. Additionally, I dispute the accuracy of these accounts under FCRA Section 611 ( 15 U.S.C. 1681i ) and demand a lawful reinvestigation as required by federal statute.

The following accounts are the result of identity theft and were fraudulently added to my credit file : An auto loan account with XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$52000.00} A collection account with XXXX XXXX opened on XX/XX/XXXX, with a balance of {$1500.00} A collection account with XXXX  XXXX  opened on XX/XX/XXXX, with a balance of {$410.00} A collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$730.00} A state-related account with the Office of the Attorney General opened on XX/XX/XXXX, with a balance of {$0.00} Pursuant to FCRA Section 611, I demand that TransUnion provide full reinvestigation results for each item, including the exact method of verification and physical documentation used to confirm their accuracy. If TransUnion can not provide that evidence, then the continued reporting of these items constitutes prima facie fraudulent reporting and must be removed immediately.

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 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I reported four unauthorized transactions on my XXXX XXXX credit card issued by Chase in XX/XX/XXXX. Initially, Chase issued provisional credits for the transactions, but shortly thereafter reversed the credits and rebilled me.

When I contacted Chase for clarification, I was informed that the credits were reversed because the disputed transactions had been reported too late. However, this was the first time I had encountered such an issue, and I was unaware of the correct reporting procedure or timeframe until someone advised me, which caused a delay in reporting.

Despite the circumstances and the fact that I did not authorize these transactions, Chase has refused to resolve the issue or provide relief. The reversal of the credits is documented in my XX/XX/XXXX statement, which I am including with this complaint. 

I am requesting the CFPBs assistance in reviewing this matter and ensuring that my dispute is handled fairly under the protections provided by the Fair Credit Billing Act. 

For more context, here are the XXXX transactions in this dispute : Date. Merchant. Amount XXXX XXXX XXXXXXXX {$900.00} XX/XX/XXXX XXXX XXXXXXXX {$800.00} XX/XX/XXXX XXXX XXXXXXXX {$500.00} XX/XX/XXXX XXXX XXXXXXXX {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I tried deleting the inaccurate reporting of where I live, how my name presents, and phone numbers back in XX/XX/year> on Experian. Yet they put it back on and I want all inaccurate addresses, phone numbers, and names deleted as it 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 2025-05-10 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:
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX, have violated my rights. 

I am writing to formally dispute a fraudulent account that appears on my Transunion, XXXX, and XXXX  credit report. I recently obtained a copy of my credit report and discovered information that does not belong to me. This account was not opened or authorized by me, and I believe I have been a victim of identity theft.

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 antedate the report by more than seven 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 2025-05-10 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:
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. 

XXXX XXXX XXXX XXXX XXXXXXXX, have violated my rights. 

I am writing to formally dispute a fraudulent account that appears on my XXXX, Equifax, and XXXX  credit report. I recently obtained a copy of my credit report and discovered information that does not belong to me. This account was not opened or authorized by me, and I believe I have been a victim of identity theft.

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 antedate the report by more than seven 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 explanation
Consumer complaint received 2025-05-10 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:
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. 

XXXX XXXX XXXX XXXX XXXX, have violated my rights. 

I am writing to formally dispute a fraudulent account that appears on my XXXXXXXX XXXX, and Experian credit report. I recently obtained a copy of my credit report and discovered information that does not belong to me. This account was not opened or authorized by me, and I believe I have been a victim of identity theft.

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 antedate the report by more than seven 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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Subject : Request for Removal of Closed Account from Credit Report Dear [ Credit Bureaus ], I am writing to formally request the removal of a closed account from my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( a ). 

My name is XXXX XXXX account in question is [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX. XXXX XXXX XXXX ] and is listed on my credit report. 

According to 15 U.S.C. 1681 ( a ), credit reporting agencies must ensure that the information they report is accurate and up to date. It is my belief that the inclusion of this closed account is not only outdated but also detrimental to my credit profile. I have reviewed my credit report thoroughly and have found that this account has been marked as closed since [ Date Closed ]. Under the FCRA, closed accounts should be removed if they do not provide an accurate reflection of my current creditworthiness. 

I kindly ask that you review my request and take the necessary steps to remove this closed account from my credit report. I have attached relevant documentation including [ any supporting documents, e.g., account statements, proof of payment, etc. ], which supports my claim that this account should no longer be reported. 

Please respond to my request within the 30-day timeframe stipulated by the FCRA. Should you require any additional information or documentation to process this request, do not hesitate to contact me at [ XXXX ]. 

Thank you for your prompt attention to this matter. I look forward to your swift response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Subject : Request for Removal of Closed Account from Credit Report Dear [ Credit Bureaus ], I am writing to formally request the removal of a closed account from my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( a ). 

My name is XXXX XXXX account in question is [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX. XXXX XXXX XXXX ] and is listed on my credit report. 

According to 15 U.S.C. 1681 ( a ), credit reporting agencies must ensure that the information they report is accurate and up to date. It is my belief that the inclusion of this closed account is not only outdated but also detrimental to my credit profile. I have reviewed my credit report thoroughly and have found that this account has been marked as closed since [ Date Closed ]. Under the FCRA, closed accounts should be removed if they do not provide an accurate reflection of my current creditworthiness. 

I kindly ask that you review my request and take the necessary steps to remove this closed account from my credit report. I have attached relevant documentation including [ any supporting documents, e.g., account statements, proof of payment, etc. ], which supports my claim that this account should no longer be reported. 

Please respond to my request within the 30-day timeframe stipulated by the FCRA. Should you require any additional information or documentation to process this request, do not hesitate to contact me at [ XXXX ]. 

Thank you for your prompt attention to this matter. I look forward to your swift response. 

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 non-monetary relief