vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

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 2025-02-06 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:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

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 2025-02-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: MI

Complaint narrative:
I am writing to formally register a complaint regarding the conduct of OneMain Financial concerning an alleged debt ( Account # XXXX ). On XX/XX/year>, I sent OneMain Financial a detailed letter disputing the alleged debt and requesting validation in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Michigan Collection Practices Act ( MCPA ), MCL 445.251 et seq. 

In my correspondence to OneMain Financial, I requested the following information : Proof of the Alleged Debt : A copy of the original signed agreement or contract that created the debt, including all terms and conditions. 
Detailed Accounting : An itemized statement showing the original amount, any interest, fees, or additional charges, and how these have been calculated. 
Chain of Title : Documentation tracing the complete history of the debt, including all assignments, transfers, or sales. 
Authority to Collect : Evidence confirming that OneMain Financial holds the legal right to collect this debt, including any relevant licensing information required under Michigan law.

Securitization Information : If applicable, all documentation related to the securitization of the debt.

Despite my clear request, I have concerns regarding OneMain Financials compliance with these requirements. Their continued actionsincluding maintaining communication about this disputed debtmay represent violations of both federal and Michigan state laws. 

I am seeking your assistance in investigating OneMain Financials collection practices to ensure that they fully comply with all applicable regulations. For your reference, I have attached a copy of my original letter to OneMain Financial. 

Thank you for your attention to this matter. I respectfully request that you confirm receipt of this complaint and advise me on any further steps needed to protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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:
I request the immediate deletion of this unauthorized entry from my credit report, as it is not connected 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 2025-02-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA

Complaint narrative:
XXXX did not investigate thoroughly because they would have seen the amount from Columbia debt recovery being reported is inaccurate I requested in dispute for experian to delete from credit report which was not done proof documentation was sent to experian that the balance was false inaccurate information, which has since effected my credit report XXXX did not investigate and remove or correct documentation was send the amount was not owed experience remain to keep this inaccurate information on my report My credit report stating XXXX from this debt collector was is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: Google Compare Credit Cards Inc.
State: AZ

Complaint narrative:
Company : XXXX XXXX : They can not help me with refund request due to a merchant 's unethical and scammy business practice. 

According to XXXX : XXXX XX/XX/year>, XXXX ( XXXX XXXX XXXX ) to me XXXX XXXX, XXXX for replying to us back. 

I would humbly apologize for the situation that has cropped up and trust me, if this was within my authority, I would have taken care of it. 

NOTE : XXXX acts as a platform that enables app developers to reach out to their users. So, when you purchase/install an app on the XXXX XXXX, you're actually making the purchase from the app developer, who is the actual owner of the app. 

Therefore, XXXX expects the app developers to take up responsibility for dealing with issues relating to apps, including assisting users purchase failure issues. 

The situation was - I found out that the application i downloaded and made in-app purchases implements unfair practice in their game that results to a huge disadvantage to its paying customers. 

XXXX said that they can not help me with the refund. I should reach out to the developer of the app for any refund request. 

I reached out to the application developer several times but they are not responding to me. 

According to their contact information shown in the XXXX play site their email is XXXX and their address is Unit D, XXXX Floor, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This doesn't seem to be a XXXX company. 

I asked XXXX for assistance with my refund. They said that my purchases in the app is something they can not refund and that i should reach out to the application developer for refund request. 

I am now stuck and no one can help me refund a total of XXXX USD worth of purchases from Google Pay with a description XXXX * Legend Survival Clash. 

This made me realize that i am not protected, as a user of their platform, to scam and unfair practices of this application developer. 

I am attaching all the email i sent to the developer and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: AR

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous imes and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: U.S. BANCORP
State: GA

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the XXXX section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

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 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I need your assistance in reviewing accounts from companies that have incorrectly reported late payments. After checking my credit report, I found that some accounts were marked late in error. There should be no late payment remarks on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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 2025-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Management Holdings, LLC
State: NC

Complaint narrative:
I had a medical debt from 2017 for approximately XXXX dollars which has since been written off from the hospital and has fallen off my credit reports. Apparently they sell these debts multiple times and now they are XXXX  me again for this. I have told them not to call me and they persist. They are rude and use abusive language.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Re : Cease and Desist from Debt Collection Activities This letter serves as a formal notice that you immediately cease and desist from all debt collection activities concerning the alleged debt associated with [ your account number or reference number, if applicable ]. It has come to my attention that you are attempting to collect a debt that I either do not owe, that is disputed, or that falls under harassment and illegal collection practices. 

Your actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and applicable state laws. These actions have caused undue stress, harassment, and potential harm to my financial well-being. 

I demand that you immediately : Cease and desist from all communication with me, except for written correspondence confirming receipt of this letter and outlining the actions you will take in response to this demand. 

Should you fail to comply with the demands in this letter, I will have no choice but to pursue all legal remedies available to me, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my state Attorney General 's office, and seeking damages through legal action. 

I trust that you understand the seriousness of this matter and will act accordingly to rectify the situation. Please contact me immediately to confirm your compliance with the demands outlined in this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under XXXX US CXXXX XXXX ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2025-02-06 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: FL

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

Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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:
I disputed inaccurate information on my credit report with Experian. Instead of conducting a proper investigation, Experian has repeatedly sent me stall letters and refuses to provide proof of verification. 

I then sent a Method of Verification request, requesting details on how they verified the disputed information. Instead of complying, they sent another generic response without actual proof. 

Experian is currently being sued by the CFPB for failing to properly investigate consumer disputes, and I am experiencing the same issue. They are violating the FCRA by : - Refusing to provide proper verification of disputed accounts. 
- Sending generic stall letters instead of conducting a real investigation. 
- Continuing to report inaccurate information without verification.

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 2025-02-06 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: ID

Complaint narrative:
enrolled in oops program. XX/XX/year> [ XXXX reference ] reported monies being debited by hacker. RE : Debit card No. XXXX XXXX XXXX XXXX. FOR {$180.00}. After their investigation based on facts to be valid. their procedure was to close account and set up new account. 
after this was completed, they didn't transfer the remaining balance with is unknown to this date. so, they didn't send correspondence about owing fees. every time i called they said it was nothing they could do for they sold debt to third party for collections, and they still wanted me to pay without giving me amount and that they can't release information to me because the information was sold. so, every time i call the recording says I'm in default. embarrassing. I also know i can't get in to any more of those programs because a default. bee a member since XXXX i also can't get credit or other loans. I've been turned down for car loans, share loans. they give no-value, they dont accept mine and yes i know its because of XXXX of skin. i didn't know about share, fees and i get direct deposit. i just applied for a loan for credit XXXX to help get my car fixed. thant itself has been why i applied for loan and to build trust.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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:
I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

Company response to consumer: Closed with explanation