vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: FL

Complaint narrative:
I am filing a complaint against Experian for failing to propery investigate miy disputes regarding inaccuracies in my credit report.

Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, 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 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. The list below is the account Im referring to 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 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
XXXX credit report was pulled for employment reason. 
Account Name CreditAcpt XXXX XXXX open on XX/XX/year>. There is also a weird place of address that i have never lived out in XXXX tx. doesn't tell me from what year but i have never lived outside of XXXX, XXXX and XXXX location. i have a report number # XXXX im not liable for this account and would like it removed from my credit report. this has also been reported with XXXX, XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My FICO is reporting a collections account on my TrasUnion Record and will not remove it even though it is not on my TransUnion 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 2025-01-23 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
From XX/XX/year> to XX/XX/year>, my monthly balance jumped from {$110.00} to {$850.00}. I signed up for the supposed 0 % interest apple card monthly payments and should've only been responsible for {$460.00} and yet this balance was applied to my account. I have tried tirelessly to call Apple Pay/Goldman Sachs about this issue and they are unable to explain to me why this discrepancy exists. I have always paid my accounts on time except for the one past due amount. My Apple Card Monthly payments, which are supposedly 0 % APR, interest free and should remain at {$410.00} as I initially signed up for, continue to increase monthly. This month, the apple card monthly amount I am being asked to pay is now {$490.00}. This is clear dishonesty and in line with what AppleCard/Goldman Sachs have been guilty of in the past. I have a total balance of {$730.00}, of which {$320.00} are completely unaccounted for, as there is supposedly a past due balance of {$87.00} which is no where to be explained. The agents on the phone have admitted to being confused and frankly a little worried about the lack of transparency and " made up numbers '' in my credit card statements starting from XX/XX/year>. I am now getting hounded by Apple Card/Goldman Sachs that I will be getting reported to the credit card agencies when I have been nothing but a truthful, law abiding citizen. This is all so stressful and unfair. I would've paid the amount if anyone could truly explain to me what I am being charged extra for, but as stated by many of the employees at Apple Card, seems like I am being charged fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
Its been frustrating dealing with the consequences of unauthorized inquiries from your company on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Discharge was sent to collection company & paid off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Acceptance Corporation
State: SC

Complaint narrative:
My collection was changed off but it's still on my credit report and it's holding me up from getting a home loan can I get a written letter stating that I don't owe anything from XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: SLM CORPORATION
State: NJ

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPBn has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where XXXX has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective ac tion to remove or amend the disputed accounts as XXXX inaction violates federal law and my rights as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax Has failed or ignored my request to verify inaccurate information being reported on my credit report. They must verify and if they cant verify they must DELETE inaccurate information reported. I have sent multiple letters to equifax and they failed to reply back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am writing to address a serious issue regarding the reporting of fraudulent information related to my account on my credit report. This account originates from XXXX XXXX, while I have been a resident of XXXX for the past XXXX  years. I recently discovered that your company is reporting an account that was previously handled by MIDLAND CREDIT MANAGEMNT INC. After resolving the matter with XXXX, I was surprised to find it now listed under your name, which appears to be just another DBA for the same company. This practice is concerning and, I believe, not legal. I previously requested verification for this account, but I have yet to receive any documentation to support your claims. According to your representative, MIDLAND are essentially the same entity, raising questions about the legitimacy of your collection efforts. I am now formally requesting clarification regarding the ownership of this account. It is unacceptable for a debt that has already been addressed to be pursued under a different name without proper verification. This situation violates the Fair Credit Reporting Act ( FCRA ), and I urge you to take immediate action to resolve this matter. I expect a prompt response regarding the verification and ownership of this account. Under the method of verification outlined in XXXX USC XXXX ( a ) ( 6 ) ( B ) ( iii ), you are required to send the necessary documentation within 15 days, along with a description of the procedure used for verification and documentation that came out from the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly XXXX U.S.C. XXXX, which requires consumer reporting agencies to block or delete information reported without written consent. 

You have failed to ensure maximum possible accuracy, as required under XXXX U.S.C. XXXX ( b ). The reporting of unauthorized data also breaches XXXX U.S.C. XXXX, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-01-23 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: CBC Companies, Inc.
State: SC

Complaint narrative:
reported that there is a limitation on the residents of SC of 3 years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Caribou Financial, Inc.
State: NC

Complaint narrative:
I began *trying* to refinance my vehicle through Caribou, a process which started over XXXX weeks ago. At present, my documentation has been uploaded onto their portal and has been pending approval since XX/XX/XXXX. Their process says this review typically takes 2 business days. There was an additional separate step needed to verify the payoff amount and that was completed 8 days ago. I have not been able to get in touch with anyone via the XXXX number listed on their website or by texting my representative over the past XXXX days and haven't heard from anyone at the company in over a week. 
Aside from the incredibly slow and non-responsive loan processing and origination, I have concerns about how they are encrypting, storing, and masking customer data. When I login to my dashboard I'm still able to see copies of all of my documents. Although 2FA is enabled, this seems abnormal for a site that requires photo copies including PII. 
I'd also like to point out that their original loan offer was inflated with extras. I was open to possibly keeping some of these but the representative was unable to provide any formal documentation that outlined what these services included. The marketing is very vague and its easy to overlook to an uninformed consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: MN

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate and/or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. The failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. Experian can't keep ignoring evidence showing other bureaus deleted the same account they aren't even investigating properly.

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 2025-01-23 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: TN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Comenity deliberately delays payments from posting on time so that it can impose big, unjustified late fees. I paid my Bread Card balance on time, via ACH transfer from my bank. Bread pretended like it did not post in time, and imposed a {$30.00} late fee. When I contacted Comenity about reversing the late fee, Comenity even cited the CFPB 's 2024 rule that reduced the size of late fees card issuers can charge. Knowing its {$30.00} late fee is excessive, Comenity immediately refunded half of it. But that still ignores that no late fee was even warranted. It appears that Comenity slaps non-compliant late fees on cardmembers in hopes its customers don't know the rules and won't complain. That abusive practice needs to end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I sent the wrong person money and I tried to retrieve it I couldnt do anything about it I reached out to customer service and nothing could be done they said it was my fault now I no longer access accounts its been a whole headache

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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 res ution 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 2025-01-23 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: FL

Complaint narrative:
Experian has failed to fulfill its illegal obligation under the XXXX XXXX reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-23 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: CL Holdings LLC
State: PA

Complaint narrative:
On XX/XX/year>, I sent letter to Jefferson Capital Syst and I haven't received any information back. I noticed some discrepancies on my credit report the should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: DC

Complaint narrative:
During The Pandemic I started XXXX XXXX XXXX It Was Virtual And At The End They Tried To Force Us To Get Covid Shots To Attend In Person For Labs And I Told Them I Have. Health Issue I Cant Get The Shots They Refuse To Give My Money Or Anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want reported accounts removed XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX XXXX XXXX {$440.00} The XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$370.00} XXXX XXXX {$300.00} XXXX XXXX XXXX {$130.00} I want late payments removed for 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 2025-01-23 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: NC

Complaint narrative:
Experian lawsuit. I've complained many time to the CFPB about the unlawful practices used against me by Experian & yet the CFPB didn't get me any resolve, compensation or Remedy, yet now CFPB is suing Experian for the same unlawful practices that I clearly complained about. Why Didn't I Receive any REMEDY, COMPEMSATION OR RESOLVE IN MY ORIGINAL COMPLAINTS ABOUT EXPERIAN & WHY DIDN'T THE CFPB NOTIFY ME PERSONALLY ABOUT THE LAWSUIT THAT THEY HAVE WITH EXPERIAN COMPLAINING ABOUT THE SAME UNLAWFUL PRACTICES THAT I RAISED. IN MY FIRST COMPLAINTS ABOUT THIS COMPANY EXPERIAN?

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