vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: SC

Complaint narrative:
Mail in certified letter XX/XX/XXXX Bureau have yet changed the date of birth XX/XX/XXXX. Thats not mine on Equifax XXXX. Ive sent in ID packets with passport and drivers license. Have yet got my birthdate, correct. Also XXXX XXXX XXXX account XXXX. They have yet cleared this off of my credit report he wrote out charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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 have reached out to Trans Union twice providing information showing that my account was out of XXXX balance for my XXXX XXXX XXXX XXXX 

On both occasions as recent as XX/XX/XXXX, Trans Union keeps reporting intentional incorrect information regarding my balance. My balance is way below the amount Trans Union continues to intentionally report without verifying.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services
State: WA

Complaint narrative:
In XXXX of XXXX I reivewed my credit report and noticed I had two accounts open with XXXX, which is a Federal Student Aid Creditor. I contacted XXXX regarding these, as I have never requested an form of student loans and was advised to fill out a " False Certification Discharge Application '' from the XXXX  website. Upon submitting, I received a confirmation email from their customer service team listing out the documents I had sent, and was advised there is a 60-90 business day review period for these cases. This 'fraud packet ' required me to provide proof that these loans were fraudulent, including a photocopy of my Drivers License. Throughout the 60-90 business day waiting period, I contacted XXXX multiple times to check on my fraud packet, and was advise it was still being reviewed. On XXXX XXXX I contacted EdFinancial and was advised by a customer services representative that I was just short of the 90 business days, and that he would escalate this and I would hear back in 2-5 buisness days. I never received a call back. On XX/XX/XXXX I contacted XXXX once again and was told by a customer service representative that I did not submit the documents and that there was no record of them reviewing the fraud packet. I was offered a 6 month forbearance regarding these fraudulent loans, which I was never told about prior to XX/XX/XXXX, so I have had a negative credit impact due to this. I requested to speak with a supervisor, and this lady was extremely rude and advised I would need to resubmit the packet. I asked if there was an escalation path for this since I had been told misinformation for multiple months. She advised that because the fault was not of XXXX that they would not escalate this issue. Today on XX/XX/XXXX, I am starting this process over again, with little to no faith that this company can handle the documents they lost initially. I have had negative impacts to my credit score due to this issue, and will be subject to another XXXX business day review period for this fraud packet when I did not open these loans. 

I have contacted the college which the loans were funded to and provided them with the same documents and they said they filed an identity theft report with the state of Oregon. 

Please take note that I have never once received any sort of communication regarding delinquent student loans PRIOR to providing my information to XXXX. The information they had on file was either the fraudsters or fake information. After providing them with my phone number, I received a text message from a 3rd party creditor offering a loan to pay off my delinquent student loans. This leads me to believe that my information was given out via XXXX and mishandled. 

Please help me. Please help others who are victims of fraudulent student loans dealing with XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: PA

Complaint narrative:
I was shocked to find an unauthorized inquiry on my credit report today, with no explanation for how it got there. I routinely monitor my report, and this sudden issue is completely unacceptable. I tried refreshing my browser, thinking it might be an error, but the inquiry did not disappear. I am beyond frustrated and demand that this be addressed immediately. I expect a thorough review of my documents so I can stop worrying about this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: OH

Complaint narrative:
This account was charged off on XX/XX/year> and XXXX since then the account has repeatedly been updated as charged off every month this is an update in the payment history a charge off account should not include an active payment history this inaccurate information falsely manipulates the statute of limitation you failed to investigate this account properly after I asked you to do it twice in your Neglect has violated my rights I am demanding a deletion of the following accounts : 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 2025-01-31 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: AZ

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This morning, I was shocked to find an unauthorized inquiry on my credit report, and I have no idea how it got there. I check my credit regularly, but this time, unexpected discrepancies appeared out of nowhere. I even tried refreshing my browser, hoping it was a glitch, but it wasnt. The unauthorized inquiry remained. I need this issue addressed immediately by carefully reviewing the documents I submitted so I can stop worrying about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: SC

Complaint narrative:
XXXX To Whom it may concern, I've sent neuromas letters to explain that XXXX XXXX  has taken repossession in the state of South Carolina on or about XX/XX/2023 and resold the vehicle on or about XX/XX/2023. This account is still being reported on my credit report. XXXX has failed to make contact with me in regards to this matter. 

Under the laws of the state of South Carolina UCC & South Carolina UCC code, you will to look this up and State XXXX  and XXXX  statutes a deficiency to whom it may concern, I am writing in regard to the above referenced accounts and transactions can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

in addition, if you singularly and severally fail to comply with the above request, i reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC & 9 remedies.

Best Regards

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: SC

Complaint narrative:
XXXX To Whom it may concern, I've sent neuromas letters to explain that XXXX XXXX  has taken repossession in the state of South Carolina on or about XX/XX/year> and resold the vehicle on or about XX/XX/year>. This account is still being reported on my credit report. XXXX has failed to make contact with me in regards to this matter. 

Under the laws of the state of South Carolina UCC & South Carolina UCC code, you will to look this up and State XXXX  and XXXX  statutes a deficiency to whom it may concern, I am writing in regard to the above referenced accounts and transactions can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.

in addition, if you singularly and severally fail to comply with the above request, i reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC & 9 remedies. 

Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: LA

Complaint narrative:
XXXX XXXX Transunion is failing to throughly investigate my complaints about the third party companies violating my consumer right. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX each consumer committed identity theft under 15 USC 1681a ( q ) The FCRA defines identity theft as a fraud committed using the identifying information of another person.

When the alleged original credit sold your information without your expressed approval or knowledge that was " a fraud '' which makes the whole thing identify theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: NC

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices 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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
Multiple companies accessed my account without permission and withdrew funds that were not permitted by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: NY

Complaint narrative:
I previously notified Experian that I am a victim of of identity theft. and yet there is still fraudulent information on my Experian credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: WI

Complaint narrative:
XXXX XXXX reporting as a charge-off with a {$6000.00} balance. 
XXXX XXXX being reported as a collection without validation. 
Duplicate reporting of XXXX XXXX and XXXX. 
XXXX XXXX being reported without permissible purpose. 
2. Fair Resolution : Demand Experian : Delete inaccurate and unverifiable accounts.

Conduct a manual investigation. 
Cease reporting collections without validation. 
Remove unauthorized hard inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
Disputed inaccuracies for the accounts listed below with both Experian, and Equifax, when asked for debt validation and proof of owner ship a thorough review was not completed I received email notification that the debit was verified, with no documentation or details on how the debt was validated after multiple contact attempts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXXXXXX 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: OK

Complaint narrative:
On XX/XX/year>, XX/XX/year>, XXXX I sent XXXX, XXXX XXXX XXXX multiple letter challenging accounts has been added several times affecting my credit and score. All sent to correct po box and other po box belong to all three bureau but they either never response or deleted partial inaccurate, incomplete, or unverifiable information. This is improper investigation of credit reporting errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
My mortgage was transferred to Mr. Cooper in XXXX. They did not pay my mortgage insurance that was due in XXXX. I got a call from the insurance company- they were the ones that advised me that my mortgage company didn't pay the bill. They said that it was so late in the process, I had to pay it out of pocket to ensure I still had coverage since a payment from the mortgage company wouldn't have arrived in time. 

When I talked to Mr. Cooper about it in XXXX, they said they would rectify it. I never heard from them again, and I never received any reimbursement. 

I called Mr. Cooper again on XX/XX/XXXX requesting for reimbursement, and they even called the insurance company with me on the line to confirm that Mr. Cooper is the one that messed up and owes me money. I already knew this as I was already told this, but they finally acknowledged their mistake. They told me I would be overnighted a check for the full amount. 

Today is XX/XX/XXXX. I haven't received the check and I had to call Mr. Cooper AGAIN to request to be reimbursed for the over $ XXXX that I had to pay- the $ XXXX that should've been paid by them through my escrow in the first place. They then told me that I wasn't actually getting a check, and that the insurance company is the one that got sent the overnight check. We made a three-way call to the insurance company, and they confirmed that they got the payment, and they'll have to send a refund check to me, but it won't even be sent out until XX/XX/XXXX. I checked my original payment to the insurance company and it was on XX/XX/XXXX. 

Oh, and while I was on XXXX call with them, the insurance company said they don't even have the mortgage information correct. It sounded like he was implying that Mr. Cooper messed up on that end as well. So we had to call a different department to get that squared away.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: AZ

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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