vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against Precise Car Parts, an online business from which I ordered an automotive part. Despite placing the order and submitting payment over a month ago, I have not received the item, and the company has not responded to any of my attempts to contact them. Details of the Transaction : Business Name : Precise Car Parts Website ( if known ) : www.precisecarparts.com Phone Number : XXXX XXXX / XXXX Date of Order : XXXX Order Number : Item Ordered : XXXX XXXX Transmission ( Used ) Amount Paid : {$700.00} Payment Method : CashApp Issue Summary : Since placing the order, I have : Received no confirmation of shipping or tracking information. ttempted to contact the company via phone and email multiple times without success. Waited over XXXX weeks beyond the expected delivery timeframe. This lack of communication and non-delivery of goods leads me to believe this may be a fraudulent transaction or at least a case of extremely poor business practice. Desired Resolution : I am requesting the following : A full refund of the amount paid ( {$700.00} ) A formal investigation into the practices of Precise Car Parts Measures taken to prevent this business from scamming future customers Thank you for your attention to this matter. I am happy to provide any further information if needed. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ph : ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 6028 states I have the right to privacy,15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish your account without my written instructions. 

I told Experian, Transunion, and Equifax to reinvestigate these accounts : Account Name XXXX XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. Additionally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-19 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:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: AZ

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: AL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: NY

Complaint narrative:
this account that appears on transunion as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account type : auto loan, date opened XX/XX/XXXX, XXXX and it states that the account was closed on XXXX XXXX XXXX I am writing to formally dispute an account currently being reported on my credit file by your agency. This account appears on both TransUnion and XXXX but is not reported on my XXXX credit report, which constitutes inaccurate and incomplete credit reporting. This discrepancy is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires all consumer reporting agencies to maintain procedures that ensure maximum possible accuracy of information. 

Furthermore, the account is being reported as charged off. A charge-off means the creditor has deemed the debt uncollectible and written it off as a loss. Continuing to report this account as an active derogatory item misrepresents its character and legal status, especially if the debt is no longer being collected or has been sold or transferred. This violates the FDCPA, 15 U.S.C. 1692e, specifically : 1692e ( 2 ) ( A ) : Prohibiting false representation of the character, amount, or legal status of a debt ; 1692e ( 8 ) : Prohibiting the reporting of information known ( or that should be known ) to be false, including failing to indicate that a debt is disputed.

Under FCRA 1681i ( a ), I am requesting that you conduct a reinvestigation of this account. If the account can not be verified as 100 % accurate, complete, and current within 30 days, it must be promptly deleted from my credit file. 

Additionally, if you conclude that the information is accurate and choose to maintain it on my credit report, I am invoking my right under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) to request a detailed description of the method of verification, including the name, address, and telephone number of any furnisher or third party you contacted during the reinvestigation. 

To summarize, I request : Immediate deletion of the misrepresented and inconsistently reported account ; A written statement of the results of your reinvestigation, including any changes made ; A complete description of the method of verification, should you choose to retain the account on file. 
Please treat this as a formal dispute under both the FCRA and FDCPA. Failure to comply may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other appropriate regulatory or legal actions. 

Thank you for your prompt attention.

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 2025-05-19 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: NY

Complaint narrative:
this account that appears on transunion as XXXX XXXX XXXX, and on experian as XXXX XXXXXXXX XXXX XXXXXXXX, account number XXXX, account type : auto loan, date opened XX/XX/XXXX, XXXX and it states that the account was closed on XXXX, XXXXXXXX XXXX. I am writing to formally dispute an account currently being reported on my credit file by your agency. This account appears on both XXXX and Experian but is not reported on my XXXX credit report, which constitutes inaccurate and incomplete credit reporting. This discrepancy is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires all consumer reporting agencies to maintain procedures that ensure maximum possible accuracy of information. 

Furthermore, the account is being reported as charged off. A charge-off means the creditor has deemed the debt uncollectible and written it off as a loss. Continuing to report this account as an active derogatory item misrepresents its character and legal status, especially if the debt is no longer being collected or has been sold or transferred. This violates the FDCPA, 15 U.S.C. 1692e, specifically : 1692e ( 2 ) ( A ) : Prohibiting false representation of the character, amount, or legal status of a debt ; 1692e ( 8 ) : Prohibiting the reporting of information known ( or that should be known ) to be false, including failing to indicate that a debt is disputed.

Under FCRA 1681i ( a ), I am requesting that you conduct a reinvestigation of this account. If the account can not be verified as 100 % accurate, complete, and current within 30 days, it must be promptly deleted from my credit file. 

Additionally, if you conclude that the information is accurate and choose to maintain it on my credit report, I am invoking my right under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) to request a detailed description of the method of verification, including the name, address, and telephone number of any furnisher or third party you contacted during the reinvestigation. 

To summarize, I request : Immediate deletion of the misrepresented and inconsistently reported account ; A written statement of the results of your reinvestigation, including any changes made ; A complete description of the method of verification, should you choose to retain the account on file. 
Please treat this as a formal dispute under both the FCRA and FDCPA. Failure to comply may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other appropriate regulatory or legal actions. 

Thank you for your prompt attention.

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 2025-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
This loan was opened XX/XX/year>. For total of {$8000.00}. I had been paying on this loan until I learned how the banks are using my signature and social security number and monetizing them then turning the promissory note into securities without my permission. I also learned that the time I signed the promissory note the Credit Union did not disclose that they do this process. The Credit Union can not and will not produce the original promissory note. All I get is a front page copy. The Promissory Note is and was legal tender. This loan was paid the minute the NOTE was signed. Banks can not lend their own assests. 12 U.S. Code 1431 - Powers and duties of banks. I was not aware of banking tactics when this so called loan was activated. This action by this institute is fraud. I am the excitor and this institute did not have my written consent to do these actions. I do not consent and I did not waive any rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: MI

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau Subject : Complaint Against XXXX XXXX FSA Incorrect Loan Forgiveness Processing Dear Consumer Financial Protection Bureau, I am filing a formal complaint against the Federal Student Aid ( FSA ) office regarding the misapplication of my Public Service Loan Forgiveness ( PSLF ) and the mishandling of my loan consolidation, which has resulted in unnecessary delays and financial hardship. Issue Summary : I previously applied for a loan consolidation of three loans, which was submitted prior to the final approval of my 120-payment PSLF loan forgiveness. I received confirmation that the three loans were successfully consolidated before the final PSLF forgiveness approval. However, when my loan forgiveness was processed, the system held my new consolidation in a pending status, despite it being completed before the PSLF forgiveness was finalized. Instead of applying forgiveness to the newly consolidated loan as confirmed by XXXX, the system only applied forgiveness to the earlier consolidation loan, leaving two of my three consolidated loans ineligible for forgiveness. Additionally, my loan into forbearance under the XXXX program, starting in XX/XX/year> without my consent and has prevented my loan from accruing the necessary final qualifying payments toward PSLF forgiveness. Key Issues : 1. Incorrect PSLF Application : My loan forgiveness was applied to a loan that was still in the process of consolidation, preventing my active loan from receiving forgiveness. 2. Failure to Recognize Consolidation Completion : XXXX confirmed my new consolidation was completed before the PSLF forgiveness was processed, yet the system ignored this and incorrectly left two loans out of the forgiveness process. 3. Unilateral Loan Forbearance Placement : placed my loan into forbearance under the XXXX program without my enrollment or consent, preventing my payments from counting toward PSLF. 4. Failure to Recognize Eligible PSLF Payments : My active loan is currently stuck at 119 of 120 qualifying payments due to the improper loan forgiveness application, even though I have submitted all employer certifications to confirm my eligibility. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX | XXXX | XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-05-19 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-05-19 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: LA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: GA

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

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 2025-05-19 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: IL

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from 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 2025-05-19 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-05-19 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-19 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: TX

Complaint narrative:
This late payment mark is incorrect and does not align with my actual payment history. I have been diligent in making timely payments, and I request an update to ensure accuracy in 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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove 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 2025-05-19 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: IL

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from 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