vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: CA

Complaint narrative:
I am submitting this formal complaint regarding Missouri Higher Education Loan in the amount of {$47000.00} - due to violations of my privacy rights under the Family Educational Rights and Privacy Act ( XXXX ) and other federal data protection laws. Due to concerns about how my personal and financial information has been handled, I am requesting the immediate removal of this account from my credit report and the closure of the account. 

Reasons for My Request Violation of XXXX ( XXXX XXXX. XXXX ; XXXX CFR Part XXXX ) XXXX protects borrowers educational and financial records. I have reason to believe my personal information has been improperly accessed, shared, or misused, violating my rights under this law. 
I am requesting that this account be removed from my credit report due to the uncertainty of how my information has been used. 
Failure to XXXX XXXX XXXX XXXX XXXX XXXX Breach Under 15 U.S.C. 6801-6809 ( XXXX XXXX XXXX XXXX  ) and the Federal Trade Commission ( FTC ) XXXX XXXX XXXX financial institutions must properly secure customer data. 
Since I am unaware of how my data has been handled or whether it has been compromised, I no longer feel secure maintaining this account in any capacity. 
I request immediate account closure and removal from all credit reporting agencies due to this failure to ensure data security. 
Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) Inaccurate or Unverifiable Information Under 15 U.S.C. 1681i, information on a credit report must be accurate and verifiable. Due to the uncertainty surrounding my personal data and potential unauthorized use, I demand that this account be immediately removed from my credit report and no longer reported to any credit bureau. 
Requested Actions Remove this account from my credit report due to privacy violations. 
Immediately close the account to prevent any further potential misuse of my data. 
Provide written confirmation detailing whether my data has been improperly accessed, shared, or compromised. 
If a data breach occurred, disclose the extent of the breach and the actions being taken to prevent further violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One and XXXX is reporting incorrect information on payment history I have made numerous complaints sent out letters. No one has responded for XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: PA

Complaint narrative:
My account with XXXX XXXXXX/XX/XXXX was never late! I have had exceptional payment history witH XX/XX/XXXXXXXX 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 USC Code 1681eb. 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 in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XX/XX/XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer 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
Consumer complaint received 2025-02-08 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: IL

Complaint narrative:
I am writing to formally express my regards. regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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 EQUIFAX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the XXXX 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 2025-02-08 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:
To whom this my concern, I recently found myself wanting to get in the market to purchase a home which made me put my credit report to notice these 5 fraudulent reports Im attaching here with a FTC report. I havent personally pulled my credit report in over 15 years so I know I didnt do no inquiries on my credit file

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 2025-02-08 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:
To whom this my concern, I recently found myself wanting to get in the market to purchase a home which made me put my credit report to notice these 5 fraudulent reports Im attaching here with a FTC report. I havent personally pulled my credit report in over 15 years so I know I didnt do no inquiries on my credit file

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 2025-02-08 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: GA

Complaint narrative:
Derogatory Account ( s ) are appearing which were paid off. Im not sure why the description is displayed on my report. XXXX and XXXX XXXX are the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
They would call allday from different numbers then hangup and email me after I asked them to stop calling and send Info for verification

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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:
Please check the information concerning the experian data breach below in the attachments

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 2025-02-08 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: NC

Complaint narrative:
I recently review my credit report and noticed an account that was not reported accurately I have multiple accounts that is showing late payments it was paid on time. The consumer reporting agency have need to report with complete accuracy. this account has not been late on payments I will summit a copy of my report where is showing late payments for the year of XXXX is showing 3 total late payments and for year XXXX is showing 4 lates payment. I'm now requesting you to investigate and provide me with proof and records that I was late if it can not be verified, I demand for payments to be updated to paid immediately thank you for your understanding and prompt action.

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 2025-02-08 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: NC

Complaint narrative:
I recently review my credit report and noticed an account that was not reported accurately I have multiple accounts that is showing late payments it was paid on time. The consumer reporting agency have need to report with complete accuracy. this account has not been late on payments I will summit a copy of my report where is showing late payments for the year of XXXX is showing 3 total late payments and for year XXXX is showing 4 lates payment. I'm now requesting you to investigate and provide me with proof and records that I was late if it can not be verified, I demand for payments to be updated to paid immediately thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: GA

Complaint narrative:
Despite a fraud alert on my account Experian allowed several entities pull my credit report without my consent or knowledge; creating a series of hard and soft inquiries. I demand all unauthorized inquiries be removed, the accessing of my credit file without my consent to stop, and the freeze on my account to be enforced! 
XXXX XXXX pulled my report without my consent on XX/XX/XXXX XXXX XXXX pulled my report without my consent on XX/XX/XXXX Consumerinfo.com pulled my report without my consent on XX/XX/XXXX XXXX XXXX pulled my report without my consent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX pulls my report weekly without my consent as I do not have an account with them. 
XXXX XXXX pulled my report without my consent on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX report without my consent on XX/XX/XXXX XXXX XXXX pulled my report without my consent on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX pulled my report without my consent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX  Option XXXX pulled my report without my consent on XX/XX/XXXX Transunion Interactive I pulled my report without my consent on XX/XX/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 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XXXX XXXX, XXXX, Discover Card made an unauthorized payment to our credit account from our personal checking. We disputed that payment on XXXX XXXX, XXXX. Discover reviewed the issue and determined that we were owed a refund of that payment of {$230.00} ( per our conversation on XX/XX/XXXX ) .They said XXXX to XXXX business days for the refund to be placed back in our checking account. We confirmed the routing and account number on that call. No refund arrived. Called again XX/XX/XXXX, and were told the refund would be in our account by XX/XX/XXXX. No refund arrived. Called again XX/XX/XXXX, and was given a new nonsensical reason for why we haven't received the refund. They took money out of our account, and refuse to put it back unless we jump through hoops.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: GA

Complaint narrative:
This company is fraudulently claiming that I owe a debt, providing only fabricated reports they purchased from a third party. They continue to increase the alleged debt every month without any legitimate basis. 

XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$9200.00} XXXX XXXX XXXXXX/XX/XXXX, {$350.00}

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 2025-02-08 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: GA

Complaint narrative:
This company is fraudulently claiming that I owe a debt, providing only fabricated reports they purchased from a third party. They continue to increase the alleged debt every month without any legitimate basis. 

XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$9200.00} XXXX XXXX XXXXXX/XX/XXXX, {$350.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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 2025-02-09 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Comenity bank calls me from XXXX to XXXX everyday from regular number to private numbers through out the day. I haven't spoken to them as the last time I picked up I informed the lady i couldn't talk as i was at work and would have to call back she repeatedly said well then I will have to say we haven't reached an agreement and you you refused to pay and I informed her no I'm aware these phone calls are recorded and they is not what I said. It all began when I paid off my credit card and went to get my hair done with my XXXX XXXX XXXX when I entered the building I had approx XXXX XXXX {$500.00} on credit available. When i left the building ( which BTW my payment went through for services ) it said my credit was only {$200.00} and now I was over my credit limit by over {$200.00} which made no sense because it would have never went through if the credit wasn't there. Ever since they tacked on fees and all that I refuse to pay because none of that should have happened. And now they constantly call my phone everyday from XXXX to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: AR

Complaint narrative:
My information was exposed in a nationwide data breach, which involved the fraudulent handling of my personal identity information being exposed, used, and false reporting from unauthorized creditors.

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 2025-02-08 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: VA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2025-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
I purchased a new Honda vehicle in XXXX of 2019. I took an auto loan from the American Honda Finance Company. I just recently traded that vehicle in and was surprised to learn that there was no record of my auto loan being reported to any of the credit bureaus. I was also told that I would not be able to take a loan from them again because of a delinquent payment.

I never was late on paying my loan though. During the COVID-19 pandemic I had deferred one month of payments due to the loss of my job. They told me that they considered that a delinquent payment.

I have called and requested that this loan be reported to the credit bureaus. I had 4 years of on time payments ( minus the covid 19 deferment ). The person I spoke too said they would need to talk to their supervisor and would call me back with an update. I never received a call back or any other information regarding my request. The loan is not reported to any of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: IL

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 2025-02-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
I repaid my insta cash and left {$250.00} in the account, they suddenly decreased my limit and took {$100.00} leaving me with {$140.00} instead of the {$250.00} that I paid to have in the account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I requested Experian place a seven year fraud alert on my account after identity theft. They refused despite submitting the appropriately requested documents ( Passport, drivers license, utility bill, coverletter, form and identiftytheft.gov report. 

They denied my request suggested my identitytheft.gov report was not from a federal agency? 

How can anyone protect themselves? 

Your Report Number is : XXXX Your Investigation ID is : 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