vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
My account and card keeps getting reported for fraud every month for the last 6 months. I am unable to use my card until I verify a list of transactions. It has slowed me down and costed me time and money over each and every period. My checks also keep getting flagged for fraud, I am not treated fairly as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : XXXX Email : XXXX XX/XX/2025 Caine & Weiner XXXX XXXX XXXX. 
XXXX XXXX  XXXX XXXX, CA XXXX Subject : Cease and Desist Letter & Dispute of Debt Account # XXXX To Whom It May Concern, I am writing to formally dispute the alleged debt associated with Account # XXXX that Caine & Weiner claims I owe. ** Under the Fair Debt Collection Practices Act ( FDCPA ) 1692c ( c ), I am requesting that you immediately cease and desist all communication with me regarding this matter. 

I do not recognize this debt and demand that no further collection attempts be made without proper verification. If Caine & Weiner believes this debt is valid, I request written proof of the original creditor, a full accounting of the amount owed, and any documentation that confirms my liability. If you are unable to provide such documentation, you must remove this account from my records and cease all collection activity immediately. 

Additionally, under my rights provided by the FDCPA, I am requesting that you refrain from reporting this disputed debt to any credit reporting agencies until full validation is completed. If this debt has already been reported, I demand its removal until proper validation is provided. 

Failure to comply with this request may result in legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Please confirm in writing that you have received and will comply with this request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: FL

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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 recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
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 non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
I have submitted applications to be transferred to the PAYE payment plan and waited many months for this to occur. It still has not processed and I am not able to get credit for my PSLF. Can you please follow up with Mohela so I can begin paying off my loans?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: AZ

Complaint narrative:
To my shock and frustration, I recently discovered a collection account on my credit report that I do not recognize. I have never agreed to this debt, yet I am being harassed through various platforms, even facing threats of legal action. This is deeply distressing and has taken a toll on my mental health. As a law-abiding consumer, I refuse to tolerate these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Healthcare Finance Direct LLC.
State: NV

Complaint narrative:
My account I.D . is XXXX. I am emailing due to my old card information being saved without my knowledge. I am requesting that XXXX refund back my payment ending in XXXX immediately or I will be forced to take legal action. I have been an unhappy customer since the bankruptcy of smile direct club. Before they filed bankruptcy I could never get a hold of them to fix my smile. In which they promised me an improved smile. Due to them not having any workers they never messaged me back which breached customer merchant contract. I have emailed before trying to rectify this but have been faced with unfortunately you guys are not able to do anything about this. Which is ridiculous. I called about a month ago to change my card on file and delete my previous card, in which I was never told you were saving my card information. However, come to find out, that's what you did and charged a late fee. Rather than trying to get all my money back, I am asking for a refund and not to be charged the next 4 payments I have left due to this issue. 

" Saving old credit card information without proper consent and security measures is considered a violation of data privacy and security standards, particularly under the Payment Card Industry Data Security Standard ( PCI DSS ), which can lead to legal repercussions for businesses that fail to comply. '' " If a company is charging you on your old credit card despite you providing new card information, this is a problem that needs to be addressed by contacting their customer service immediately ; they are likely not updating your payment details correctly and may be in violation of PCI compliance standards by storing outdated card information '' Misrepresentation of treatment : XXXX misrepresented the capabilities of XXXX, claiming it could address complex dental problems when it was not appropriate for your case. I went through XXXX XXXX XXXX for me teeth, I never asked to go through another party or agreed. I messaged XXXX XXXX XXXX before they closed operations and never heard back about my smile. I have paid each month without an improved smile. I asked them to change my card information over the phone and they said they did however they saved my old card information as well without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-28 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-28 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Credit Report Information under 15 U.S. Code 1681o Dear Equifax, I am writing to formally dispute certain information that appears on my credit report, which I believe to be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o ( Civil Liability for Willful Noncompliance ). I request that you thoroughly investigate these discrepancies as required by the FCRA and correct or remove any information that can not be validated. 

The specific items I am disputing are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe these items are either outdated, incorrectly reported, or otherwise inaccurate. As you are aware, under the FCRA, you are required to ensure the accuracy and completeness of the information in your credit reporting system. I request that you verify the information with the original data providers and provide me with documentation confirming your investigation results. 
In accordance with 15 U.S. Code 1681o, if you willfully fail to comply with the FCRA, I am entitled to seek civil remedies, including the possibility of recovering damages resulting from any negative impact this incorrect information has had on my creditworthiness. I trust that you will promptly address this matter in order to avoid any legal recourse. 

Please provide me with written confirmation of your receipt of this dispute, as well as an update on the status of your investigation, including any corrective actions taken. I expect a response within the statutory 30-day period, as outlined by the FCRA. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: IL

Complaint narrative:
My credit report shows late payments that arent accurate. Ive disputed these with the credit bureaus, but the issue still hasnt been resolved. The account in question shows late payments, even though Ive always paid on time as agreed. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NM

Complaint narrative:
On XX/XX/XXXX, someone unknown to me had opened my car passenger door and stole my backpack and my wallet and other miscellaneous items. I did not notice the items had been stolen until I had gone to go pay for store items I had wished to purchase. I immediately notified local law enforcement XXXX XXXX XXXX XXXX Department located in XXXX, New Mexico. I noticed ( XXXX ) pending charges on my checking account, XXXX. ) Tuesday XX/XX/XXXX @ XXXX, XXXX XXXX XXXX XXXX XXXX NM XXXX checking account card XXXX in the amount of {$76.00}, I was unable to dispute due that charges only were pending and would have to wait till it cleared the account. XXXX. ) Tuesday XX/XX/XXXX @ XXXX, XXXX 's XXXX XXXX, XXXX NM Checking account card XXXX in the amount of {$21.00}. Again, I was unable to dispute due to charges only pending and had not cleared the account. On Saturday XX/XX/XXXX, the stated charges had cleared my checking account and was finally able to dispute charges. I had explained that my wallet was stolen and the reference charges where not done by me and did not authorize or allow the charges. On Tuesday XX/XX/XXXX, I was notified via Chime app that Dispute # XXXX regarding dispute of above unauthorized and fraudulent charges - Dispute Denied Agent finished investigating your dispute. In a Prefilled out standard issue by Chime bank stated in a formal letter that a final determination regarding the claim referenced above. As part of our investigation, a review of our system was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review. Based on our investigation, we have concluded no error occurred. therefore, no funds will be credited to your account and the claim is considered closed. This is the same form they used to keep over or about {$1000.00} dollars they allowed a merchant to charge to my account without my knowledge and authorization and will be seeking the return of those funds as well as they have displayed ill-fated practices and just proved gross negligence in an investigation conducted by them. And even though they have been advised to stop representing itself as a bank continue to do so with purpose disregard.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I initially disputed two items with NAVY FEDERAL CREDIT UNION by sending letters on XX/XX/XXXX, and again on XX/XX/XXXX. I have proof of delivery for each dispute. Under 15 U.S.C. 1681i ( a ) ( 1 ), the credit bureaus were required to complete their investigations within 30 days by validating the disputed information with Navy Federal Credit Union and providing me with copies of any documentation associated with these accounts bearing my signature. However, they failed to investigate within the legally required timeframe. 

To date, I have not received any validation of these fraudulent accounts, and my credit has suffered significantly as a result. When I contacted them to request deletion due to their violation of the law, I was informed that they could neither remove the items nor provide documentation proving that the accounts belong to me. 

Their failure to comply with federal law exposes them to legal liability, as established in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXXXXXX. XXXX XXXX, XXXX ), where the court held that credit bureaus can be held liable for failing to investigate disputes within the required timeframe. I request immediate removal of these unverified accounts from my credit report and appropriate corrective action to address their non-compliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: GA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-02-28 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: GA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-02-28 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: TX

Complaint narrative:
Good day! I'd like to let you know that the transactions on this account and its respective charges are all fraudulent to which I never benefited from. Please prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report. It would be a big help to lessen the stress it's causing me. Thank you.

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