vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C 1681 ( e ) ( b ), which requires credit reporting agencies to investigate disputes and correct any errors in a timely manner. 

The item in question is a charge-off that has been incorrectly reported on my credit report by XXXX XXXX XXXX Not only is this information inaccurate, but the creditor has also filed a 1099-C form to report the cancellation of the debt. The filing of the 1099-C signifies that the debt has been forgiven or discharged, which contradicts the ongoing monthly reporting of a charge-off. 

Under 15 U.S.C 1681 ( e ) ( b ), you are required to conduct a reasonable investigation of any disputed information and correct any errors. In this case, the continued reporting of charge-off by XXXX XXXX is incorrect since debt has already been forgiven as evidenced by the 1099-C form alleged to be filed. This misreporting is unlawful and results in the continued negative impact on my credit report. 

Please investigate this matter immediately and update my credit report to reflect the accurate status of this account, in line with the 1099-C form and the cancellation of debt. If the creditor is unable to provide evidence substantiate the charge-off reporting after the debt cancellation, I request that this account be removed from my credit report entirely, as it no longer reflects the accurate status of the account. I look forward to your prompt attention to this matter and a resolution in accordance with the Fair Credit Reporting Act. Please provide me with written confirmation of the actions taken and any updates made to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I am writing to dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under XXXX U.S.C XXXX ( XXXX ) ( b ), which requires credit reporting agencies to investigate disputes and correct any errors in a timely manner. 

The item in question is a charge-off that has been incorrectly reported on my credit report by TOYOTA MTR XXXX Not only is this information inaccurate, but the creditor has also filed a XXXX form to report the cancellation of the debt. The filing of the XXXX signifies that the debt has been forgiven or discharged, which contradicts the ongoing monthly reporting of a charge-off. 

Under XXXX XXXX XXXX ( XXXX ) ( b ), you are required to conduct a reasonable investigation of any disputed information and correct any errors. In this case, the continued reporting of charge-off by TOYOTA MTR is incorrect since debt has already been forgiven as evidenced by the XXXX form alleged to be filed. This misreporting is unlawful and results in the continued negative impact on my credit report. 

Please investigate this matter immediately and update my credit report to reflect the accurate status of this account, in line with the XXXX form and the cancellation of debt. If the creditor is unable to provide evidence substantiate the charge-off reporting after the debt cancellation, I request that this account be removed from my credit report entirely, as it no longer reflects the accurate status of the account. I look forward to your prompt attention to this matter and a resolution in accordance with the Fair Credit Reporting Act. Please provide me with written confirmation of the actions taken and any updates made to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CA

Complaint narrative:
I want EdFinancial to return the {$30000.00} to my home address. I also want direct contact with the person handling my case to complete this transaction. I have been waiting over a year for these checks to come through. I have submitted numerous complaints to the FSA website and one to CFPB. 
On XX/XX/XXXX, I submitted a complaint to FSA ( case # XXXX ). I received a response on XX/XX/XXXX, stating that their review determined that they located the two submitted checks amounting to {$30000.00} from XXXX and have issued a refund back to XXXX. I waited until XXXX to call EdFinancial for a status update, but the customer service representatives were no help, and there was no one else to talk to get an update. I have attached their XXXX response. 
On XX/XX/XXXX, I submitted a complaint to CFPB ( case # XXXX ) detailing the events that occurred. EdFinancial responded on XX/XX/XXXX, and stated an error was identified when processing the refund to XXXX. No one from XXXX reached out, saying there was an issue refunding the money to XXXX. Do they need wiring instructions or an account number? Instead, the solution was to send the money to XXXX, and XXXX would then send to XXXX. The letter from EdFinancial states the money was sent on XX/XX/XXXX, and will take about 60 days to complete. Sixty days from XX/XX/XXXX is on XXXX XXXX. I have attached their XXXX response. 
On XX/XX/XXXX, I submitted a complaint to FSA ( case # XXXX ). Since it was closer to the 60 days, I decided to get a status update on the refund to XXXX. Their review confirmed on XX/XX/XXXX, XXXX payments totaling {$30000.00} were sent to XXXX via the XXXX XXXX and XXXX XXXX ( XXXX ). However, it can take up to 60 days from XX/XX/XXXX. I have attached their XXXX response. 
I called EdFinancial a couple of days after the XXXX XXXX since it was past the 60-day window EdFinancial stated in two separate letters. I spoke to the escalation team, who informed me that it was 60 business days, and I must wait for the transaction to go through. I can not speak to anyone at the XXXX XXXX XXXX and the XXXX Department. 
Sixty business days from XXXX XXXX were on XX/XX/XXXX, and there is no wire transfer from EdFinancial to XXXX. This is unacceptable! I need someone to be direct on the items required to resolve this situation instead of me waiting MONTHS to figure out that there was an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: TX

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 2025-02-01 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: OH

Complaint narrative:
On XX/XX/XXXX expirian reported that XXXX payment to XXXX  XXXX was late. On XX/XX/year> they reported that utilization om capital ome was at 98 %. I called XXXX  XXXX and they stated that they had reported to expirian on XX/XX/XXXX and that i was not and infact XXXX payment has already been made. I made a payment to XXXX  XXXX on XX/XX/XXXX for the amount of XXXX and as of the XX/XX/XXXX my account is at XXXX out of XXXX making utilization 85 %. They droped my credit by XXXX points because of this inaccurate 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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Upon number of occasion, Equifax never finish doing an investigation correctly. There was already sued by CFPB for not doing investigation properly I have documents showing my name how I use my name correctly and how they are trying to stick me with a different name on the credit bureau report I will be showing the evidence and I think they need to be fine for keep sending me through these issues. my name is XXXX XXXX XXXX thats the only name I use on my credit bureau report. Equifax is trying to say I use another name also which is incorrect and in the data breach. as you can see my name is XXXX XXXX  XXXX thats being used in the data breach settlement that Equifax use now they stating they cant identify who I am, but they identified me in the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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 have no liability to XXXX XXXX  XXXX for they are a third party debt collector and I have contract no with them. XXXX  XXXX XXXX brought the debt from XXXX XXXX in which the debt would had to have been charged off. A charge off is considered income and income can not me reported to credit report because it turns into a certificate of indebtedness. I would like XXXX  XXXX XXXX to provide me the direct contract between them and XXXX XXXX showing that they are authorized to collect for XXXX XXXX  and they are not a company that just brought a debt. They have also violated the Privacy Act of 1974 and XXXX XXXX Code XXXX - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title. 
( b ) Opt out ( XXXX ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I was never given a notice or a way to opt out of XXXX XXXX XXXX, XXXX, Equifax, and XXXX reporting this to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: IL

Complaint narrative:
There were XXXX requests for opening a credit card in my report that I don't recognize, I contacted this company to remove these requests, but they didn't help me XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXXXXXX XX/XX/year>

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 2025-02-01 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: MI

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-02-01 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: MI

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-01 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: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I have no liability to ABILITY RECOVERY SERVICES for they are a third party debt collector and I have contract no with them. ABILITY RECOVERY SERVICES brought the debt from XXXX in which the debt would had to have been charged off. A charge off is considered income and income can not me reported to credit report because it turns into a certificate of indebtedness. I would like ABILITY RECOVERY SERVICES to provide me the direct contract between them and XXXX showing that they are authorized to collect for XXXX  and they are not a company that just brought a debt. They have also violated the Privacy Act of 1974 and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I was never given a notice or a way to opt out of ABILITY RECOVERY SERVICES, XXXX, and XXXX reporting this to 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 2025-02-01 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: EQUIFAX, INC.
State: NC

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$1200.00} XXXX  XXXX XXXX Balance Owed : {$1300.00} XXXX/XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$25000.00} XXXX/XXXX  XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$1300.00} XXXX  XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: NC

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$1200.00} XXXX  XXXX XXXX Balance Owed : {$1300.00} XXXX/XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$25000.00} XXXX/XXXX  XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$1300.00} XXXX  XXXX XXXX XXXX Balance Owed : {$0.00}

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 2025-02-01 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: Westlake Services, LLC
State: IL

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$6200.00} XXXX  XXXX XXXX {$9900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: IL

Complaint narrative:
Formal CFPB complaint against TransUnion for their failure to investigate properly and their violations of the FCRA and FDCPA. 

This complaint must hold them accountable and escalate for deletion of disputed accounts and potential legal action by the CFPB. ( See 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 non-monetary relief
Consumer complaint received 2025-02-01 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: AZ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXXXXXX XXXX  Account XXXXXXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX Account 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 explanation
Consumer complaint received 2025-02-01 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: NC

Complaint narrative:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting 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 2025-02-01 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: NC

Complaint narrative:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting 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 non-monetary relief