vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-02-27 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against 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. 

XXXX XXXX XXXX XXXX number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filing a complaint 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 and address 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 2025-02-27 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: Westlake Services, LLC
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate information on my credit report related to an account with Westlake Financial. This issue has caused significant damage to my credit, and I am requesting immediate investigation and correction. 

Here are the details of the situation : - The account in question shows a charge-off status with a balance of ** $ XXXX. 
- The account was originally tied to a car loan through **American Car Center**, which was paid off **over a year ago** when my car was totaled out. 
- The insurance company, XXXX XXXX XXXX paid off the loan in full, amounting to **over $ XXXX. 
- The credit report initially reflected a balance of ** {$0.00} owed**, but out of nowhere, Westlake Financial has reported a **charge-off** with a balance of {$6000.00}, which is incorrect. 
- **I never had an account directly with Westlake Financial** ; it was always through American Car Center. 

This erroneous charge-off status and the incorrect balance of {$6000.00} should be immediately removed from my credit report. 

I request that the CFPB investigate this issue and assist in getting this erroneous information deleted from my credit report, as it is negatively impacting my financial standing. I have already attempted to resolve this directly with Westlake Financial, but the issue persists. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue as quickly as possible. 

My balance showed XXXX from Westlake and then I wake up this morning Im showing XXXX charged off thats impossible! They should not be allowed to damaged consumer credit like this knowing they received funds to clear the full Balance of the loan!!! Consumers didnt even know they took our loans or anything we had to search social media and other places to find things out and I made my payments faithfully until My truck was totaled out! And they were paid the balance of XXXX! For XXXX XXXX XXXX. They took my warranty away and everything I had for 2 years owning this car until American Car Center went out of business. 

This was closed at XXXX balance and removed and placed back without notice with a huge balance thats incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: IL

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

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 2025-02-27 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: IL

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

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 2025-02-27 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:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX  : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX  : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC
State: UT

Complaint narrative:
I have a friend who bought a car, but I put it in my name. She bought it in XX/XX/year> and began making payments of {$350.00} per month to American Credit Assistance in XXXX. She continued to pay every month through XXXX. On XX/XX/XXXX, the car was repossessed. She called ACA in XXXX and they said that they had not received any payments except in XXXX. That didn't make any sense since she paid every month. So she found two receipts from the money orders she was using and found out that the corresponding money orders had been cashed. 

Then I called ACA and they gave me the same story that they gave her. The car cost {$13000.00}. ACA is demanding that I pay the remaining {$10000.00}. So that shows that they received {$2600.00}. And the payments that were made total {$1700.00}. This shows that they did receive some of the payments. I don't know why they are saying they did not receive any payments except one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
i have requested in writing, proof of agreement bearing signature showing i agreed to assume said debt with original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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:
please remove this fraud from my report I did not aortherise this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: CA

Complaint narrative:
please remove this fraud from my report I did not aortherise this

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 2025-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: KY

Complaint narrative:
I paid on the card for nearly 5 years. I was locked out of my account with no way to pay and the interest just kept adding up. I have been sent a letter threatening to sue me if I dont make a payment by XX/XX/XXXX XXXX XXXX XXXX says the account is closed and charged off. I havent received any phone calls. I have anxiety about phone calls anyway which is why I always paid through the app until I was locked out of it. Im not sure the amount is right and want a detailed report for accuracy. I have also not received any other letters from Discover. Only a letter threatening to sue me for the entire amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$560.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXXXXXX BALANCED {$2900.00} XXXX XXXX XXXX XXXX XXXX {$390.00} XXXX XXXXXXXX BALANCED {$5200.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX BALANCED {$1900.00} XXXX XXXX XXXX BALANCED {$3800.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX  XXXX BALANCED {$1200.00} XXXXXXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
I received a snail mail solicitatiion to open a credit card account by XX/XX/year>, and spend {$1000.00} within XXXX  days and receive a {$200.00} bonus. 

All terms were met and since then I asked about when I could expect to receive the bonus. I kept having been strung along. I've been delayed ( over XXXX months since opening already ). Now they tell me I may be delayed another XXXX months. I told them via message they don't have much to investigate. I sent them a copy of the original soliciatation they sent to me, ( I'm glad I saved it ). They know the terms are met, they acknowledged as much during talk. Shouldn't require another XXXX  months of investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I ordered popcorn set before the movie in XXXX and never got them and worker told me to just reorder them as they cant do anything about it after I waited hour. they told me to contact XXXX or dispute credit card later which is what I did and got denied for my case..

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 2025-02-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
My Mortgage company Mr. Cooper has repeatedly deviated from allocating my Mortgage extra payments to an account that doesn't credit me the overage to my principal instead they are holding the funds to make additional payments. I have had to continuously call them to reenterate my request for my payments go towards my principal. Not set aside to make another payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
While checking my consumer report I noticed XXXX separate fraudulent inquiries that appear on my consumer report XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection agency activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-02-27 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:
While checking my consumer report I noticed XXXX separate fraudulent inquiries that appear on my consumer report XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection agency activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: IL

Complaint narrative:
I am writing to express my serious concerns regarding discrepancies in my credit report. Upon review, I discovered multiple inaccuracies, including incorrect account listings, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These errors are affecting my financial stability, and I require your prompt assistance in resolving them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-02-27 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: GA

Complaint narrative:
Upon reviewing my credit report details for the XXXX XXXX account, I identified the following inconsistencies : 1. Different Balances TransUnion reports a balance of {$4000.00} Experian reports a balance of {$4000.00} Equifax reports a balance of {$4000.00} The balance should be consistent across all bureaus. 
2. Different High Credit Amounts TransUnion lists {$10000.00} Experian does not list a high credit amount.

Equifax lists {$3100.00} The high credit should match the original loan agreement.

3. Different Charge-Off Reporting Dates TransUnion last reported the account on XX/XX/XXXX Experian last reported the account on XX/XX/XXXX Equifax last reported the account on XX/XX/XXXX The charge-off date should be uniform across all bureaus. 
4. Inconsistent Date Last Active Entries TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX The date of last activity should match the last payment date. 
5. Inconsistent Date of Last Payment TransUnion and Experian : XX/XX/XXXX Equifax : XX/XX/XXXX The date should be the same for all three bureaus. 
6. Disputed Status Missing or Inconsistent Equifax states Consumer disputes- reinvestigation in progress, while TransUnion and Experian do not mention a dispute. 
If the account is being disputed, it should reflect on all three reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: GA

Complaint narrative:
Upon reviewing my credit report details for the XXXX XXXX account, I identified the following inconsistencies : 1. Different Balances TransUnion reports a balance of {$4000.00} Experian reports a balance of {$4000.00} Equifax reports a balance of {$4000.00} The balance should be consistent across all bureaus. 
2. Different High Credit Amounts TransUnion lists {$10000.00} Experian does not list a high credit amount.

Equifax lists {$3100.00} The high credit should match the original loan agreement.

3. Different Charge-Off Reporting Dates TransUnion last reported the account on XX/XX/XXXX Experian last reported the account on XX/XX/XXXX Equifax last reported the account on XX/XX/XXXX The charge-off date should be uniform across all bureaus. 
4. Inconsistent Date Last Active Entries TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX The date of last activity should match the last payment date. 
5. Inconsistent Date of Last Payment TransUnion and Experian : XX/XX/XXXX Equifax : XX/XX/XXXX The date should be the same for all three bureaus. 
6. Disputed Status Missing or Inconsistent Equifax states Consumer disputes- reinvestigation in progress, while TransUnion and Experian do not mention a dispute. 
If the account is being disputed, it should reflect on all three reports.

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