vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
A credit card that was defaulted and closed since XX/XX/XXXX and has been marked and written off by Navy Federal Credit Union. In XXXX of XXXX Navy Federal Credit Union without my authorization withdrew my entire balance from my checking account in excess of {$2200.00}. I called NFCU to notify them that I did not authorize this transaction and would like the money refunded. NFCU representative stated that they had the right to take the money and said they would only give me back {$550.00} if I agreed to a payment plan and kept the other $ XXXX. I asked for any documentation that I signed stating that I gave them that right. NFCU could not provide this, only they current agreement that is given to current customers in XXXX not the one I signed in XXXX when the account was opened and which was closed and charged off in XXXX. NFCU still refused to refund the entire amount. This has happened with a vehicle payment as well where NFCU without authorizing withdrew funds from my checking account, when asked what gave them that right, I was told I should have signed a document allowing them to withdraw the funds. when I asked for a copy of this document, NFCU stated they didnt have any signed documents on file allowing them to withdraw the funds but refused to deposit the funds back into the account. It seems NFCU is attempting to recover debts without authorization and recover debt that NFCU has already charged off and is now attempting to collect XXXX years later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RFNA, LP
State: AL

Complaint narrative:
XXXX XXXX. The balance is incorrect. This account was paid in full XX/XX/year>. The account does not reflect the correct balance. The balance should be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: SoLo Funds Inc.
State: MN

Complaint narrative:
I borrowed {$400.00} from a lender on Solo Funds. As part of this lending I agreed to a {$45.00} tip to the lender and also had to pay a non optional minimum donation to solo funds for {$32.00}. 
A few days before my loan was due, I informed the company that the debit card associated with my account had fraud and that I needed help adding a new debit card. I added it to the account and it was not verifying. Some representatives claim they have no record of me asking for help verifying my new card. Others say they responded asking me to provide my personal banking information and bank statements. 
The company then started harassing calls and emails, threatening to send me to collections and how bad it would be for my credit. 
I have reached out several times to try to pay. They wont let me make any sort of payment over the phone and insist I need to send in my banking information. I finally told them I refuse to give up my banking information to pay a bill. No other business requires this. 
They then stated I could pay over XXXX. I said I wanted it in writing the breakdown of the charges and that when I paid, they would apply it to my account. They never sent me a breakdown of charges or confirmation it would be applied to my account. They did send me a XXXX payment invoice for {$540.00}. The original loan was {$400.00}. I agreed to pay {$440.00} for the loan payback and tip. I was expecting to also pay the {$32.00} donation I didnt agree to for a total of {$470.00}. 
Since I wouldnt provide them with my private banking information that is not relevant to paying back the loan, they have charged me an additional {$40.00} as a late fee and when they offered to allow me to pay via XXXX, they charged an additional {$20.00} fee to use XXXX, which goes against XXXX legal agreement. 
I feel scammed and tricked. Im not opposed to paying back my original loan but I shouldnt have to provide banking information ( beyond my debit card number ) to pay this bill. I feel like so much of this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: NC

Complaint narrative:
XXXX XXXX has placed a collection on my account for XXXX I have never had XXXX XXXX XXXX as a personal service provider of any type Im asking them to immediately remove collection from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: CA

Complaint narrative:
I have been a victim of identity theft and i have complied with what i researched to do. When you dispute with the bureaus, they just verify the accounts. I filed th efraud affidavit and police report to have these accounts blocked

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 2025-04-03 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: AR

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 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 2025-04-03 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
My goal is to ensure my information is right in my credit report so I tried to get an account on Experian to see my credit report but I only have an XXXX  and wasn't allowed, so I tried calling, also not allowed. They asked me to send a letter, I sent a letter and never heard back.

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 2025-04-03 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: DE

Complaint narrative:
On XX/XX/XXXX, I submitted a written dispute to Experian regarding a XXXX XXXX credit card account that I never opened, applied for, received, or used. The account is dated XX/XX/XXXX, and reports a {$0.00} balance. 

Despite my clear dispute stating that I had no involvement with this account, Experian responded on XX/XX/XXXX, claiming the account was verified, without providing any proof or documentation. I never applied for a XXXX card, never received one, and never used one. I believe this account was either fraudulently opened or mistakenly associated with my credit file.

The failure to properly investigate my identity theft dispute and the continued reporting of this account violates my rights under the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting is harming my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: OH

Complaint narrative:
Initial letter received from company, my response letter dated and sent XXXX, response from collection agency received and dated XXXX, my follow up response sent and dated XXXX No response from company regarding requested documentation of contract, bill or sale, legal owner of debt etc., they are not the only company trying to collect on debt as another collection agency also claims to own the debt as well.

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX XXXX Inquiry : XX/XX/year> 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX XXXX Inquiry : XX/XX/year> 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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:
This account is in violation 15USC1635 and 15USC1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
My citizens bank account has accumulated over {$5000.00} in fees the past few months. I really need support and help with refunds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-03 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: LA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


When I signed up for college, I was misled with False advertisements and I was also Promised to be enrolled in programs that were never even available. Furthermore XXXX XXXX was Included in numerous lawsuits that were filed against them due to the fact that they were misleading everyone. And even more important. I was also misled about financial aid. They gave me the impression that financial aid would be a grant that I wouldn't have to pay back so they pretty much told me it wouldn't cost me anything out-of-pocket. Ultimately, this has become a burden in my life. My credit has been really bad and I've been in a lot of debt due to my student loan debt. I haven't been able to purchase a home or a new car in the entirety of my life due to this debt that is a burden in my life. 

Federal Trade Commission ( FTC ) : The FTC enforces laws related to false advertising under the Federal Trade Commission Act ( 15 U.S.C. 45 ). This Act prohibits deceptive acts or practices in commerce, including misrepresentation by educational institutions.

State Consumer Protection Laws : Many states have their own consumer protection laws that can be invoked against colleges for deceptive practices.

2. Higher Education Act of 1965 ( HEA ) The Higher Education Act is a federal law that sets standards for colleges and universities in relation to federal student aid programs. If a college misleads students about the availability of federal financial aid, the programs offered, or accreditation, it could be violating this law.

False or Misleading Financial Aid Information : The Office of Federal Student Aid ( FSA ) under the U.S. Department of Education enforces regulations ensuring colleges provide accurate information about federal financial aid programs.

3. False Advertising and Fraud If a college intentionally misrepresents facts to induce you to enroll ( e.g., falsely advertising job placement rates or program content ), it could potentially be considered fraud. Fraud involves intentional misrepresentation of material facts with the intent to deceive. Students misled in this way may have grounds for a legal claim under state or federal fraud laws.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

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. 
Account name : credence resource mana account number XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

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 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 2025-04-03 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: NJ

Complaint narrative:
I am filing this dispute because I am extremely frustrated and genuinely confused by TransUnions reinsertion of an account that was previously removed from my credit report. This was done without any notice to me, which not only caused a drop in my credit score but also left me feeling misled and powerless. I have already sent TransUnion a first notice about this reinsertion on XX/XX/XXXX, regarding the account in questionXXXX XXXX XXXXXXXX, XXXX, Date Opened : XX/XX/XXXX. However, when I recently updated my credit report, I found that this account is still showing. TransUnions actions violate multiple sections of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681b ( 2 ) for failing to verify a permissible purpose, 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) for reinserting the account without providing a certification of accuracy, and 15 U.S.C. 1681o for negligent noncompliance. This situation has affected me both financially and emotionally, and I am demanding the immediate and permanent removal of this account from my consumer report. I respectfully ask that this issue be investigated and resolved without further 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 non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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