vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 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: NC

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 align with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initial 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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX CXXXXe XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/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 2025-03-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XX/XX/XXXX Experian Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-03-04 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 accounts are a result of identity theft please remove them, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-03-04 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:
these accounts are a result of identity theft please remove them, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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:
I am reaching out because I discovered inquiries from your company on my credit report that I did not authorize.

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

Complaint narrative:
Inaccurate information ( Transunion ) XXXX student loan. Open XXXX, 2002.Amount {$2600.00} XXXX student loan. Open XX/XX/scrub> 2002. Amount {$1300.00} XXXX  student loan. Open XX/XX/year>2002 Amount {$1200.00} XXXX Bank XXXX missed payments inaccurately reported. 
Please update all information accurately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am fillings 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 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 the actions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BC SERVICES, INC.
State: MS

Complaint narrative:
Today I received correspondence that I am in collections for a medical debt that I just became aware of within less than XXXX  month the entire time the hospital was billing a relative for months and not me therefore I was never ever aware of the debt once I knew of this debt they sent me papers to write off the debt which I sent back I am currently waiting on a decision on the deletion of the debt from the hospital now to my surprise they have forwarded me to collections when I have a pending deletion of this bill pending from their billing department I do not owe this debt this account was sent to collection in error

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 2025-03-04 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-04 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: TX

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Subject : URGENT DEMAND FOR IMMEDIATE CORRECTION OF CREDIT REPORT INACCURACIES Dear Sir/Madam , This letter serves as a formal demand for the immediate correction of inaccurate and outdated personal information appearing on my credit report with XXXX, XXXX, and Experian. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are legally required to investigate and correct any errors without delay. Failure to comply may result in legal action.

Upon review of my credit report, I have identified several discrepancies that must be corrected immediately. 
Additionally, the following reporting inaccuracies require correction without delay : Open dates Last reported dates Comments Date last active Date of last payment Payment History I have enclosed supporting documentation that verifies these inaccuracies. Per FCRA regulations, you are required to conduct a proper investigation within 30 days and correct these errors. If this matter is not resolved promptly, I will have no choice but to escalate this issue by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

Furthermore, I demand written confirmation once the corrections have been made and require assurance that the corrected information is updated across all creditors and data furnishers who have received the erroneous data.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
I looked at my credit report on XX/XX/year> and I noticed theirs an open account under collections for the amount of {$7800.00} by Diversified Adjusment based out of XXXX XXXX, MN XXXX. I am NOT liable for this debt with Diversified Adjusment. I do NOT have any contract with diversified Adjusment, Ive never conducted any business or ever been associated with them and they inaccurately reported this to my account. They have NOT sent any proof that this account belongs to me. I request that this be removed from all 3 of the credit bureaus immediately as this is a false report and its violating federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year> Multiple transactions were made from my checking account to this digital money account. None of these transactions were authorized by me. 
There were XXXX transactions in total : {$200.00}, {$150.00}, {$110.00}, {$110.00}, {$210.00}, {$200.00} and {$110.00}. As soon as I noticed the transactions I tried to log into the account to see what was happening only to realize I had been logged out and my login information changed. I disputed these with my bank but they denied the dispute as I has previously used this service so they said it must be authorized by me. 

I contacted the digital money service and they told me they can not help me unless I can log in to my account which I can not since my information had been changed. They wanted to do a security verification which I tried but failed because my answers did not match what they see on the account ( once again because someone had changed the information from mine to someone else 's ). And they just said if I can not pass the verification they can not get me into the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
On XX/XX/XXXX I submitted complaint # XXXX to LVNV Funding asking for a debt validation. As part of my right to dispute the debt and verify its accuracy, I requested the agreement that grants them the authority to collect on this alleged debt as well as verification that this debt was assigned or sold to collector. However, I have not received the requested documentation. I would still like this company to provide the original purchase agreement or the FFA ( Forward Flow Agreement ) to prove my liability. I also asked them to cease all collection activity in that request. I also for the company to cease and desist collection activity when I submitted my feedback on XX/XX/XXXX. Since my complaint was submitted I have received emails from them on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: MA

Complaint narrative:
They deposited XXXX the day XX/XX/year>XXXX  and they been charging me bi-week XXXX for 20 weeks plus XXXX the last 4 weeks of the payments. the total it will be XXXX + XXXX + XXXX the last payment is a total of = XXXX. 

they didn't tell me about the payments until the made the deposit and begun the loan. I want to be clear that for XXXX of the loan they are charging me XXXX. I will never take an loan like that if i knew it, just want to get help because this can't be right. please if there anything I can do let me know. thanks and I will wait your response. 

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 2025-03-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: MOHELA
State: MI

Complaint narrative:
I co-signed for my niece in XXXX  on a private student loan. Since that time I have become permanently XXXX and not working. My niece has had some unfortunate personal issues so she hasnt been making on time payments or making any payments. So of course they are coming to me for payment. Ive told them several times about my XXXX and have asked to be removed from my obligation as co-signer due to being permanently XXXX. I do not have the means to help with payment. They tell me to fill out the XXXX application but then they tell me I have to be XXXX from the military which Im not so I dont qualify for the XXXX discharge. Ive told them this is so unfair. Other people get XXXX besides just military. I need your help getting dismissed from this loan. It has totally ruined my credit. Please please please!!!! I need direction to go. Im at my wits end with this. 

Thank you for any help you can give me. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Subject : Dispute of Late Payments on Account Under 15 USC 1666b Dear, To whom this concerns, I am writing to formally dispute the late payments reported on my credit report related to the following account : Creditor Name : First Premier Bank Card My dispute is based on the following : 15 USC 1666b : This provision of the Truth in Lending Act requires that creditors must accurately report payment histories to credit reporting agencies. I have reviewed my records and found discrepancies related to the reported late payments on my account. These payments were either reported inaccurately or were not accurately reflected as per the account terms.

Information Required by Section 1637 ( b ) : Section 1637 ( b ) of the Truth in Lending Act mandates that creditors must provide accurate and clear statements regarding the payment terms and history of accounts. I am requesting that you verify the accuracy of these late payment entries, taking into account the account terms and conditions as stipulated. 
My credit report shows non-payment from XXXX to XXXX of XXXX, which is incorrect if a payment was made in XXXX, furthermore, discrepancies from XXXX to XXXX were not accounted for. Same example for XXXX- XXXX a payment was made but XXXX was never accounted for. Photos attached with bank transactions are included. 
It is imperative that these inaccuracies be corrected and removed from my credit report as they significantly impact my creditworthiness and financial well-being. Please conduct a thorough investigation into this matter and update my credit report to reflect the accurate payment history. 
I request written confirmation once these inaccuracies have been corrected and the information 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 explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing this complaint against Capital One due to unfair, discriminatory treatment, mishandling of my account, and failure to resolve fraudulent charges and associated fees. My Capital One credit card account was set to autopay for several months without issue. After a payment unexpectedly failed, I paid the balance in full immediately upon discovering it. I contacted Capital One customer service and spoke with a representative who confirmed the account was paid in full and assured me no further payment was due at that time. 

Despite this confirmation, Capital One later charged me an {$8.00} interest fee. When I called to request a waiver based on the representatives assurance, they refused. They then reported me as 30 days past due to the credit bureaus, damaging my credit score, even though I had resolved the balance and was told no payment was due. This feels like targeted mistreatment, and I believe it may reflect discriminatory practices, as their actions lack reasonable justification. 

Additionally, Capital One has failed to address fraudulent charges on my account. I reported unauthorized transactions, but they remain unresolved, and Capital One has refused to waive related fees despite my requests, further harming me financially. 

I have attempted to resolve this by contacting Capital One directly, but they have not corrected the credit reporting, waived the unwarranted fees, or resolved the fraud issue. I am seeking the following : ( 1 ) removal of the inaccurate 30-day past due reporting from my credit file, ( 2 ) waiver of the {$8.00} interest charge and any additional unjust fees, ( 3 ) resolution of the fraudulent charges, and ( 4 ) an investigation into whether Capital Ones actions reflect discriminatory practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX reported late payments to my credit report during the federal student loan freeze that ended XX/XX/year>. The reporting is inaccurate and I have tried 3 times to dispute this inaccurate information and they have done is verifying that my payments were late during a federal freeze of payments.

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