vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy federal reporting that I missed pay for my credit on month of XXXX I did not miss payment I made the payment and they reported the payment missing on XXXXXXXX month later but the payment been made. I asked them to solve the problem they told me to contact the credit bureaus. They dont wants to fix it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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 non-monetary relief
Consumer complaint received 2025-03-12 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: FL

Complaint narrative:
In accordance with the fair credit reporting act the following accounts has violated my rights : The following accounts have inconsistencies. 

XXXX. XXXXXXXX XXXX Account XXXX : XXXX - This account was paid on time. It was a bank error in reporting late payments. The payment status is incorrect. 

XXXXXXXX XXXX XXXX XXXX Account Number : XXXX - I have not had credit with them. All payments were made in cash. The credit report shows a late payment that does not belong to me.

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 2025-03-12 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: FL

Complaint narrative:
In accordance with the fair credit reporting act the following accounts has violated my rights : The following accounts have inconsistencies. 

XXXX. XXXXXXXX XXXX Account XXXX : XXXX - This account was paid on time. It was a bank error in reporting late payments. The payment status is incorrect. 

XXXXXXXX XXXX XXXX XXXX Account Number : XXXX - I have not had credit with them. All payments were made in cash. The credit report shows a late payment that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NATIONWIDE ACCEPTANCE LLC
State: IL

Complaint narrative:
Last year in XXXX, I took out a car loan because I urgently needed a vehicle to get to and from work. I put $ XXXX down on a {$21000.00} car. I would pay the remaining {$15000.00} over the course of 60 monthly payments of {$450.00} at a 23.99 % interest rate. Our contract states I am able to prepay with no penalty so I have been submitting additional monthly payments that I intended go towards the principal. The loaner, XXXX XXXX XXXX XXXX, received those payments and applied them as additional monthly payments, all the way to up to next year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I dispute a {$1700.00} charge-off on my SYNCB/PayPal account ( ending XXXX ) reported by XXXX ( XX/XX/XXXX ). I sent a validation request to Synchrony Bank ( delivered XX/XX/XXXX, XXXX # XXXX ), due XX/XX/XXXX, which they ignored. Payments listed for XXXX ( e.g., XX/XX/XXXX ) are unauthorized. I disputed with all bureaus, but they still show incorrect dates, possibly re-aged. Synchronys non-response violates FDCPA 809 ( b ), requiring validation within 30 days. Under FCRA 623 ( a ) ( 8 ), they must verify ; their failure obligates bureaus ( FCRA 611 ( a ) ( 5 ) ) to delete this unverifiable debt. As a California resident, I demand investigation, validation, and immediate removal

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 2025-03-12 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-03-12 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: 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 2025-03-12 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: CA

Complaint narrative:
XXXX {$310.00} i have been asking this company to validate this debt and send me a copy of the contract and not once did i receive this nor did i hear back from this company XXXX- {$580.00} is on my credit that has been closed and is still reporting as if it is still open when in fact on my credit it states that this account was charged off and is closed. 

XXXX XXXX XXXX XXXX i contacted this company stating this was a fraud account and my Social was compromised and the company did not in fact have any identity of me as a copy of my D.L or anything and when i asked them for validation they would not worl with me and said it was mine when i had told them it was a fraud account

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 2025-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
A debt was owed to Concora credit. An unauthorized deduction was made on my checking account. I reported to bank and made a report and blocked them from taking any future money. I received funds back in my account. I received a letter afterwards from Concora credit stating bank transaction was returned unpaid. I had never given them permission to deduct the amount from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time
of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I received an alert for an unauthorized transaction of {$150.00} at XXXX XXXX XXXX in XXXX. I immediately contacted the bank and spoke with a customer service representative. They instructed me to contact XXXX directly. I called XXXX on a separate phone, and they informed me that there was nothing they could do and advised me to reach out to my bank. 

I relayed this information to the bank representative, who then told me that I had to wait until the charge was no longer pending and had officially posted to my account before filing a dispute. As soon as the transaction posted, I promptly contacted the bank again and formally filed a dispute, following all required protocols. 

To my surprise, I later received an email from the bank stating that the charge was determined not to be unauthorized, which is extremely concerning. I have since appealed the decision, but I have found the banks response to be unhelpful and inadequate in resolving this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
I received an email from the XXXX XXXX XXXX XXXX on XX/XX/XXXX stating that the federal student loan ( s ) you received to attend XXXX XXXX  ( now called XXXX XXXX XXXX XXXXXXXX XXXX ) were eligible for full discharge. I made numerous calls after receiving that information ( which I did not write down, but overall was advised there was nothing to do on my end at this time & that it does take some time to process through. In that email it advised to STOP making payments, which I did. But as you know not making payments can impact your credit score and I did not want that to happen, so I kept looking for some type of update. I received a letter in the mail on XX/XX/XXXX from XXXX XXXX stating my loans were paid off ( but my loans were with Mohela ). I called and spoke to someone from XXXX XXXX and was advised he could see that my loans were transferred back to XXXX XXXX on XX/XX/XXXX. But I was still showing my full balance with Mohela, he suggested that these loans may be for something else, which I only attended one University, so that was impossible. He advised that I would need to speak to someone from Mohela. It takes 8+ hours on hold to talk to someone, and the one time I was finally able to speak to someone, they could not see anything sent to them on my behalf as to loans being discharged. I did put my loans in forbearance at this time until this is figured out but interest is still accruing. I called XXXX XXXX  back on XX/XX/XXXX and requested to speak to a supervisor. He was not able to give me any information just stating that the loans that were sent back to them were paid. He suggested reaching back out to Mohela and/or XXXX XXXX  XXXX XXXX XXXX XXXX XXXX borrower defense. Borrower Defense said they are unable to help me they are just the messenger. XXXX XXXX XXXX flat out told me to get a Lawyer ( I do not have that kind of money ). Called XXXX XXXX back again on XX/XX/XXXX and the rep said he would look into my mess and advised him and another agent will get back to me in a week ( they needed to loop in the financial dept ) and if I do not hear anything to call back. Well I did not hear anything back, I called back today XX/XX/XXXX & they were finally able to confirm that they see my loans were sent back to them from Mohela. But can not help me on behalf of Mohelas balance. I am currently on hold as we speak for 3h 30m trying to get someone from Mohela. I need help. I did contact a lawyer today, but again with seeking aid from an attorney cost money. Money on which I do not have. I am at my wits end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: GA

Complaint narrative:
Dear Equifax Legal Team, I have disputed the XXXX XXXX XXXX XXXX on multiple occasions. Despite your failure to verify the late payments, you continue to report the charge-off, which is both legally inaccurate and misleading. 

Per FCRA 1681i, if an account can not be verified, it must be deleted. Your response to my previous request for the method of verification proves that Equifax has : Failed to conduct an independent reinvestigation Relied solely on the furnishers response without requiring supporting documentation Continued reporting unverifiable information in violation of FCRA 1681s-2 Legal Demand for Compensation & Deletion Because you failed to verify this charge-off properly, I am now formally demanding : 1. Immediate deletion of the XXXX XXXX XXXX charge-off from my credit report. 
2. Compensation in the amount of {$10000.00} for the financial harm and distress caused by your FCRA violations.

Legal Basis for Compensation : Under FCRA 1681n, I am entitled to : Up to {$1000.00} per willful violation Actual damages for financial harm caused by inaccurate reporting Attorney fees and court costs if litigation is required If this issue is not resolved within 10 business days, I will proceed with
the following : Filing a lawsuit against Equifax in federal court for willful non-compliance with the FCRA.

Reporting Equifaxs violations to the CFPB, FTC, and my state Attorney Generals office.

Proceeding with arbitration as allowed under Equifaxs Consumer Dispute Resolution Policy.

Under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), I am legally entitled to receive a description of the method used to verify this account. I am now formally requesting the following : 1. A detailed explanation of the steps taken by Equifax to verify this account.

2. The name, phone number, and address of the individual or department at XXXX XXXX XXXX that you contacted to verify this account. 
3. Copies of any documentation you relied upon to determine the accuracy of this account. 
4. Proof that XXXX XXXX XXXX followed federal regulations when reporting this charge-off ( since the payment history was removed, making the charge-off itself invalid ). 

If you verified this account by simply contacting the creditor and accepting their response without conducting an independent review, you are in violation of FCRA 1681i, which requires a reasonable reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Anyone with a Capital One bank account ( checking or savings ) or credit card can participate in Capital One Offers. When logged into your account you can follow links to offers from merchants to receive cash back or credit card miles for qualifying purchases. You are not required to purchase using your Capital One bank account or credit card. You can use any bank 's credit card ; you need only purchase through the Capital One Offers link. I purchased a XXXX camera from XXXX through an offer that promised XXXX miles for a XXXX camera purchase, but I received only XXXX miles which was the offer for purchases other than XXXX XXXX. When I called to ask for adjustment to the proper amount, they said it is " company policy '' to make a credit adjustment only if you used a Capital One credit card for the purchase. Using a Capital One credit card is explicitly not a requirement. So they offer you something, but when there is a problem with the payout they say they can't help you because you did not use a card for the purchase that you were never required to use for the purchase. This is not only a breach of contract but a fraud inasmuch as they have an undisclosed " company policy '' to avoid remedying incorrect payouts unless you have used your card, which was never a requirement to begin with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-12 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: PA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: PA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 explanation