vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX I am writing to formally dispute an inaccurate entry on my credit report. The account with XXXX ( Original Creditor : XXXX XXXX XXXX ) and account number XXXX. This inaccurate reporting is negatively impacting my credit report. I am requesting that the Consumer Financial Protection Bureau investigate this issue and ensure that the account status is corrected. As per the Fair Credit Reporting Act, if the information is not corrected, the account must be removed from my credit report. I would appreciate your prompt attention to this matter and kindly request that I be informed of the steps taken to resolve this issue. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX I am writing to formally dispute an inaccurate entry on my credit report. The account with XXXX ( Original Creditor : XXXX XXXX XXXX ) and account number XXXX. This inaccurate reporting is negatively impacting my credit report. I am requesting that the Consumer Financial Protection Bureau investigate this issue and ensure that the account status is corrected. As per the Fair Credit Reporting Act, if the information is not corrected, the account must be removed from my credit report. I would appreciate your prompt attention to this matter and kindly request that I be informed of the steps taken to resolve this issue. Thank you for your assistance.

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 2025-02-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
In XX/XX/year>, during a conversation with a representative from Credit Acceptance, I was informed that the two late payments on my account would be removed, as my payment history is otherwise in good standing. This promise was made in good faith, and I am now requesting your assistance in ensuring that the late payments are removed. Under 15 U.S. Code 1681i ( Fair Credit Reporting Act ), I am entitled to request corrections to any inaccuracies in my credit report.

These late payments were due to a car accident that totaled my vehicle, and I was misled by Credit Acceptance in believing they would be removed. The continued presence of these late payments on my report is not only inaccurate, but it has had a detrimental effect on my credit score. I respectfully ask that this issue be addressed promptly, as it reflects poorly on my credit and the agreement made with your representative was not honored.

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 2025-02-12 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: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-02-12 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX complaint regarding an inaccurate XXXX late payment reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax credit report for XX/XX/year>. This entry is unverifiable and must be immediately removed. 

Key Points : Violation of FCRA : Under the Fair Credit Reporting Act ( XXXX  ), credit bureaus must report accurate and complete information. If this late payment is inaccurate, it must be deleted. Equifax failed to provide a XXXX of XXXX ( MOV ) when I disputed this entry. 

XXXX and CARES Act Compliance : This late payment was reported during the XXXX pandemic. Under the XXXX XXXX, creditors were required to report accounts as current if accommodations were granted during this period. I request proof that XXXX XXXX XXXX XXXX XXXX complied with the CARES Act and reported my account as current. 

Florida Statutes : XXXX Florida law ( XXXX XXXX. XXXX & XXXX XXXX. XXXX ), the reporting of inaccurate or unverifiable information is prohibited. This late payment must be removed if it can not be substantiated. 

Resolution : I request the immediate removal of this XXXX late payment from my Equifax credit report. If Equifax can not verify this entry, it must be deleted immediately. If not resolved within 15 days, I will take further action through the FTC, CFPB, and Florida Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was in XXXX XXXX and went to a bar with a friend XX/XX/year>. At the end of the night when they brought us the bill it was a way higher amount then what we were supposed to be charged and they even added items on the receipt we didnt purchase. ( They also brought us XXXX different checks and the amount started to increase each one ). At the end of the night we should have spent {$63.00} but was charged {$340.00}. At that time I felt like my life was in danger because we tried to argue the amount with the merchant but they denied. We got surrounded and I was forced to pay an amount that was not true. On the receipt they gave us actually shows a lower amount than what we were charged. At the end we met some local friends and they ended up texting us they were sorry for how we were treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
Failure to XXXX XXXX which is required when debt is forgiven or cancelled per its regulations and reporting account as charged off, written off on all three-credit bureau.

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 2025-02-12 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: NC

Complaint narrative:
I am filing this complaint due to the unlawful reinsertion of a XXXX XXXX XXXX XXXX ( XXXX ) charge-off account on my credit report after it had previously been removed due to an identity theft dispute. On [ XX/XX/year> ], I filed an identity theft report with the credit bureaus regarding this fraudulent account. 
The credit bureaus investigated my claim, determined that the account was fraudulent, and removed the XXXX charge-off from my report. 
However, as of recently, I discovered that this same account has been reinserted on my credit report, appearing under TransUnion and Equifax, XXXX despite having been previously deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union for multiple overdraft fees Ive incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to the latency of my charges and credits being posted. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite the initial availability of funds. I believe these transactions are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: GA

Complaint narrative:
I am completely fed up with the inaccuracies on my report. My score has taken a hit because of these mistakes, and I am losing out on opportunities Ive worked hard to earn. It is beyond frustrating to have to keep fighting for something as basic as a correct 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 2025-02-12 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am submitting this complaint regarding Experians failure to properly investigate disputes I have filed numerous times concerning inaccurate information on my credit report for the following accounts. I have requested Methods of XXXX on XXXX occasions- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

The following accounts ; XXXX XXXX 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I never recieved a method of verification per my letters. 15 USC 168i ( a ) ( XXXX ) ( B ) ( XXXX ) To be clear, per FCRA XXXX ( a ) ( b ), Experian is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute and provide a method of verification of these accounts I asked Experian to provide me with this documentation yet they continually failed to do so but instead sent me auto-generated letters with no proof of due diligence. I am requesting that these accounts be updated with no late payments please. 

Thank you 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 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Money was accidentally sent a few times and I was told no refund and some of my zelle transactions were cancelled from people sending me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Halsted Financial Services, LLC.
State: NJ

Complaint narrative:
Halstead Financial Services XXXX XXXX XXXX submitted XXXX XXXX case number. XXXX XXXX  XXXX This collection agency was sued for the following points : Environmental threats They were going to be sued by a law firm. 
Confusing arguments to know who is the real creditor. 
They were receiving emails and text messages every day from This company called Halsted Financial. 
This last company provided confusing information and mentions about whom they represented. They said they represented XXXX XXXX, which was the owner of the original credit, while hiding the true creditor, which was XXXX XXXX. 
They told me that if I did not pay the amount of {$3000.00}, I would be sued by a law firm we have evidence from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Failure to Investigate and Correct Inaccurate Credit Report Information To Whom It May Concern, I am writing to formally escalate my dispute regarding an incorrect account listed on my credit report. I have previously submitted multiple dispute requests to XXXX regarding the inaccurate reporting of an account from XXXX, but I have not received any response, nor have any updates been made to my report. 

The Fair Credit Reporting Act ( FCRA ) grants me the right to dispute inaccurate information on my credit report and requires credit reporting agencies to investigate and correct errors within XXXX  days. Specifically : - XXXX15 U.S.C. 1681i ( a ) ( XXXX ) ( A ) ** Credit bureaus must investigate consumer disputes within 30 days. 
- XXXX15 U.S.C. 1681i ( a ) ( XXXX ) ** If information can not be verified, it must be corrected or removed from the credit file. 
- XXXX15 U.S.C. 1681n & 1681oXXXX Willful or negligent noncompliance with the FCRA may result in legal action against the credit bureau XXXX including damages and attorney fees. 

Since XXXX has failed to respond to my dispute and has not corrected or updated the information as required by law, I am formally demanding that this issue be resolved immediately. If I do not receive a response within XXXX days**, I will have no choice but to file a complaint with the XXXX XXXX XXXX XXXX XXXX CFPB XXXX ** and consider legal action for Experians failure to comply with the FCRA. 

I request that you provide the following : XXXX. Confirmation that the **Bridgecrest** account has been investigated. 
XXXX. A written explanation of any findings. 
XXXX. A correction or removal of any unverifiable or inaccurate information. 

Please consider this letter as a **final notice** before I escalate this matter further. I expect a written response at the address or email listed above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX I am writing to formally dispute an inaccurate entry on my credit report. The account with XXXX  XXXX and account number XXXX. This inaccurate reporting is negatively impacting my credit report. I am requesting that the Consumer Financial Protection Bureau investigate this issue and ensure that the account status is corrected. As per the Fair Credit Reporting Act, if the information is not corrected, the account must be removed from my credit report. I would appreciate your prompt attention to this matter and kindly request that I be informed of the steps taken to resolve this issue. Thank you for your assistance.

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 2025-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-02-12 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: GA

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: GA

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this 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 non-monetary relief
Consumer complaint received 2025-02-12 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: Scratch Financial, Inc.
State: TX

Complaint narrative:
There was a loan taken out in my name that I didnt do myself.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to formally request an immediate credit freeze on my accounts due to identity theft. My personal and financial information has been stolen and used to fraudulently open accounts in my name. I have been actively working to dispute these unauthorized accounts, but the process has been unnecessarily difficult. 

Despite my repeated attempts to place a freeze, I have encountered significant obstacles from all three major credit bureaus ( Experian, Equifax, and TransUnion ). Some have required excessive documentation, long wait times, and even fees for a service that should be free under identity theft protections. These delays are preventing me from protecting my credit and resolving fraudulent activity effectively.

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