vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: NC

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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 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 : XXXXXXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX 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 : DEPT OF ED XX/XX/XXXX DEPT OF ED XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: CA

Complaint narrative:
Equifax has been provided with proof of purchase and payment for a vehicle financed through XXXX XXXX XXXX XXXX XXXX ( ACA ), which is currently the subject of litigation for fraudulent reporting of non-payment. 

ACA, along with XXXX XXXX, was presented with a negotiable instrument that fully satisfied the account. Despite receiving adequate notice and defaulting on their obligation, they failed to acknowledge the payment, continued collection efforts, and reported inaccurate information to credit bureaus. They have not submitted any documents or affidavits to properly close the account. 

I am pursuing legal remedies to compel ACA to comply with their obligations. Additionally, I request that Equifax conduct a thorough and accurate investigation into these matters, update my records accordingly, and restore my credit score, which has been negatively impacted by this erroneous reporting. XXXX negligence and non-compliance in addressing this issue must be rectified, as they have failed to uphold their responsibility in ensuring accurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: FL

Complaint narrative:
I was charged bank fees and overdraft fees. I had two accounts with Navy Federal in XXXX and XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX 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 XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/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 2025-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Offices of Robert J. Colclough, III
State: CA

Complaint narrative:
On XX/XX/XXXX I contacted XXXX to pay an overdraft amount of {$640.00} for my checking account. I spoke to XXXX and she took my payment over the phone. She stated she would let the collection agency XXXX XXXX XXXX to remove the account from collections. On XX/XX/XXXX XXXX reported the account as collections to XXXX. I submitted a dispute to XXXX on XX/XX/XXXX. XXXX reported the debt as verified and updated on XX/XX/XXXX report number XXXX. This is factually incorrect. On XX/XX/XXXX I contacted XXXX to confirm there was no balance due and that my account was active. They confirmed it was and said they would email XXXX Collections that day XX/XX/XXXX. On XX/XX/XXXX XXXX Collections reported the debt as paid on XX/XX/XXXX. On XX/XX/XXXX I called XXXX again requesting an update about this error and Again I was told they would email the owner of XXXX to correct it. As of today XX/XX/XXXX the account is still incorrectly listed on my report. The account was not verified as valid correctly when I disputed it on XX/XX/XXXX. My contact at XXXX is XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: MI

Complaint narrative:
The unverified accounts listed below continue to appear on my credit report despite multiple written requests, which is a blatant violation of federal law. I previously sent a letter to the three credit bureaus yet I have received no responsean unacceptable failure to comply with the Fair Credit Reporting Act.

Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) of the FCRA, you are legally required to verify these accounts with proper documentation. If you can not provide legitimate proof of validation, they must be update immediately. Your continued negligence leaves me no choice but to escalate this matter through legal action.

This is your final opportunity to comply with the law and resolve this issue without further delay. I expect a prompt responsefailure to act will result in formal complaints and legal proceedings. 
XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX XXXX XXXX : {$19000.00}

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 explanation
Consumer complaint received 2025-02-13 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: MI

Complaint narrative:
I am writing to formally complaint unauthorized inquiry on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ). This inquiry appear to be fraudulent and were made without my knowledge or consent. Additionally, I am concerned that my personal information may have been compromised as part of the Equifax data breach.

Fraudulent Inquiry Details The inquiry that is fraudulent and must be removed : XXXX XXXXXX/XX/year> This inquiry was not initiated by me, nor did I authorize any entity to access my credit file. Under the FCRA, inquiry that is not the result of a legitimate transaction or permissible purpose must be removed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: KS

Complaint narrative:
I recently relocated to XXXX from XXXX with intentions of renting a nice comfortable place for me and my son to live. Unfortunately, I have been denied residency from every apartment complex that I've applied to, The reason for the denials is because there's a civil court case on my report that shows that I have not satisfied the judgement that was placed against me in XXXX Because of this egregious oversight, my son and I have been homeless since moving here in XXXX. I moved here without a concern simply because I just knew that the plaintiff 's lawyer had submitted the proper documents to the justice court in XXXX  showing that I'd satisfied the judgement and also because I'd been diligently working on my credit and it went from bad to good. So I didn't foresee myself having any issues.

Well that has not been the case. We've been using money that we were going to use for rent on a hotel. Which isn't cheap. This has caused my son and I to be extremely depressed. Not only have I been wasting my rent money on the hotel, I've also been losing money on non refundable application and administration fees from every apartment complex that I've applied to. I'm also losing money because I hired a moving company to move our things from XXXX to XXXX I told the moving company that they could head to XXXX  with our belongings within a week. Due to the fact that we haven't solidified a place of our own, I'm running up a tab with the moving company. 

Someone has dropped the ball with this and because of it, I'm homeless, sad, in an unfamiliar place as well as depressed. My son and I are so ready to have our belongings back from XXXX and a place to call our home. We are not comfortable being in this hotel as there are creepy looking people around here. Again, it's been over a month and he isn't in school yet nor am I working because I don't know where we will be living. Just as I've satisfied my obligation to the courts, someone needs to satisfy their obligation, which is to report correct information on these reports. Especially since they have a profound impact on one 's life. I need to be made whole as this isn't because of any wrongdoing on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute the legitimacy of my XXXX loan obligations transferred from XXXX to XXXX. Due to serious legal violations and breaches of federal privacy laws, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and the Higher Education Act, I demand the immediate cancellation of all financial obligations related to these debts.

It has come to my attention that my perso educational and financial information has been improperly accessed by unauthorized third parties, including XXXX XXXX or affiliat entities. This unauthorized access XXXX constitutes a gross violation of my federal Due to these violations, I formally demand : Immediate and unconditional cancellation of all financial obligations associated with my XXXX  loans.

Complete removal of all XXXX-related entries from my credit report. 
Written confirmation of this cancellation and credit correction within 30 days. 
If my demands are not met, I reserve the right to pursue all available legal remedies, including claims for damages arising from these privacy breaches and violations of federal law.

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 2025-02-13 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: SC

Complaint narrative:
I am writing to formally dispute the legitimacy of my XXXX loan obligations transferred from XXXX to XXXX. Due to serious legal violations and breaches of federal privacy laws, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and the Higher Education Act, I demand the immediate cancellation of all financial obligations related to these debts.

It has come to my attention that my perso educational and financial information has been improperly accessed by unauthorized third parties, including XXXX XXXX or affiliat entities. This unauthorized access 35.4K constitutes a gross violation of my federal Due to these violations, I formally demand : Immediate and unconditional cancellation of all financial obligations associated with my student loans.

Complete removal of all Advantage-related entries from my credit report.

Written confirmation of this cancellation and credit correction within 30 days. 
If my demands are not met, I reserve the right to pursue all available legal remedies, including claims for damages arising from these privacy breaches and violations of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: TX

Complaint narrative:
I am filing this complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report, Experian consistently responds within a couple days stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates FCRA 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore Experian actions may also contravene the Consumer Financial Protection Act CFPA 12 U.S.C.5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB recent administration proceeding against them for similar violations. I request the CFPB take action to ensure Experian complies with federal law and provides consumers with necessary proof of investigation.

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 2025-02-13 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: TX

Complaint narrative:
I am filing this complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report, Experian consistently responds within a couple days stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates FCRA 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore Experian actions may also contravene the Consumer Financial Protection Act CFPA 12 U.S.C.5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB recent administration proceeding against them for similar violations. I request the CFPB take action to ensure Experian complies with federal law and provides consumers with necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: CA

Complaint narrative:
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 2025-02-13 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: NM

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Long story very short this is the third time that I have to do this on your page. I opened up an account three years ago. My funds are still there. The fraud department is not giving me the runaround and then not willing to help me. I submitted what they needed And theyre still give me the runaround. I need your help to access my funds. They sent me a letter stating urgently that I need to use my funds if not that were gon na get sent to unclaimed properties of Texas. I followed up with them regarding the letter they sent and there giving me the run around!

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 2025-02-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
The vehicle a XXXX XXXX XXXX was reloaded from my possession in XXXX of XXXX. My personal information such as social security, name, billing information and address were provided to a third party company. This is illegal per code 15 USC 68.02 15 USC 1692F In addition, the provided contract amount has been manipulated, as in there are XXXX separate amounts on multiple contracts provided. Violations of the fair credit act include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: MD

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2025-02-13 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:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 
I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX XXXX XXXX XXXX XXXX XXXX OK, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: Americas Car-Mart, Inc.
State: MS

Complaint narrative:
It had been over a month since I previously filed a complaint regarding an unvalidated repossession on my credit report. Despite my initial dispute, the creditor/collection agency has failed to provide proper validation of this debt. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I have the right to receive documented proof that this debt is valid. 

Since they have not provided verification, I request that this account be removed from my credit file immediately. Please take further action to ensure compliance with federal regulations. 

I appreciate your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation