vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was a victim of identify theft. i have filed a police report as well as an FTC report and submitted it to Experian as well as a letter requesting to have fraudulent items removed from my report and got no response or 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 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nelnet, Inc.
State: MI

Complaint narrative:
Dear Dispute Department, I am writing to formally dispute the reporting of student loan accounts associated with Nelnet on my credit report. These accounts are inaccurate and unenforceable due to severe legal violations involving breaches of privacy and federal law, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and the Higher Education Act. 
It has come to my attention that my personal information associated with these loans was improperly accessed by unauthorized third parties, including XXXX XXXX and/or his affiliated entities. This unauthorized access constitutes a breach of my privacy rights and voids the validity of these debts. 
Disputed Accounts : Nelnet, Account # XXXX Legal Basis for Removal : 1. FERPA Violation : The improper handling and unauthorized disclosure of my educational and financial records violated FERPA regulations, which protect the privacy of student loan borrowers. 
2. Privacy Act of 1974 Violation : The exposure of my personal information contravenes the protections guaranteed under the Privacy Act, requiring federal contractors and loan servicers to safeguard borrower information. 
3. Breach of the Higher Education Act : The mishandling of my student loan information and unauthorized transfer without proper consent breached federal obligations to maintain the integrity of educational loan servicing. 
Given these violations, the continued reporting of these accounts is inaccurate and harmful to my credit profile. 
Requested Resolution : I formally request that these : 1. Immediately remove all references to these student loan accounts from my credit report. 
2. Provide written confirmation of the removal within 30 days. 
Failure to address this dispute in compliance with the Fair Credit Reporting Act ( FCRA ) may compel me to pursue legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: TN

Complaint narrative:
I have dispute the account. I have not supplied proof under the doctrine of stopped by silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Presume that no proof of the alleged Debt nor therefore any such Debt in fact exists 15usc 1692g/15 use 1692c 15usc 6802 or15 usc 6801c

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 2025-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Carvana Group, LLC
State: MO

Complaint narrative:
I am filing a formal complaint against CARVANA LLC for violating the Truth in Lending Act ( TILA ) and Regulation Z ( XXXX XXXX XXXX ) by misstating the APR and finance charge on my auto loan. 
Key Issues Identified : XXXX. Material Overstatement of APR XXXX The lender disclosed an APR of 14.934 %, but my calculations show it should be 8.81 %. 
XXXX The difference of 6.124 % far exceeds XXXX permissible error tolerance ( 0.125 % for fixed-rate loans ), violating XXXX XXXX XXXX. 
XXXX. Significant Understatement of Finance Charge XXXX The lender disclosed a finance charge of {$21000.00}, while my calculations show it should be {$37000.00}. 
XXXX  This {$15000.00} understatement is a clear violation of TILA disclosure requirements ( XXXXXXXX XXXX  XXXX ). 
XXXX. Inaccurate APR Calculation Methodology o The Missouri Division of Finance relied on an APR tool that assumes fixed XXXXday cycles, which may not reflect my actual payment schedule. 
XXXX  If the lender used similar assumptions, their APR disclosure is legally invalid.

Requested Actions : I request that the CFPB investigate CARVANA LLC for XXXX violations and take appropriate enforcement actions, including : Full review of this lenders loan disclosure practices to determine whether systemic violations exist. 
Potential penalties for non-compliance with XXXX and Regulation Z. 
Loan reformation or rescission to correct the incorrect APR and finance charge disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
XX/XX/scrub>XXXX Acima Credit Attn : Customer Service Subject : Dispute of Unauthorized Late Fees under 15 U.S. Code 1665d Dear Acima Credit, I am writing to formally dispute the late fees that have been applied to my account. As outlined by 15 U.S. Code 1665d, late fees can not be applied when payments are delayed due to an error made by the creditor or its agent. 

In my case, the reason for the late payments was due to a mistake made by a customer service representative from XXXX XXXX. Specifically, they entered my bank information incorrectly, which caused the payments to be delayed and resulted in the late fees. I had no control over this error and had no knowledge of the mistake until it caused the payments to be late. 

Additionally, I have since taken responsibility for the late payments by setting up and adhering to a catch-up plan, making payments as required. Despite this, the late fees have not been removed from my account, and I am still being charged fees that I believe are unjust and unauthorized. 

As per 15 U.S. Code 1665d, I request the immediate removal of these late fees, as they were not caused by my own actions but by an error made by XXXX XXXX 's customer service team. I also ask that any negative marks on my credit report be corrected accordingly. 

Please provide written confirmation that these fees have been removed and that my account is up to date. If you require any further information or documentation, I am happy to provide it. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: ID

Complaint narrative:
XXXX XXXXXXXX two account XXXX XXXX XXXX and a XXXX reward card account I have no statements as to where or what was used the XXXX XXXX  is showing XXXX and the XXXX reward is showing XXXX which both are over credit limit ..midland doesnt have all the statements or purchases and XXXX XXXX refuses to get the documentation Im requesting and are demanding payment on these account that I havent used in over three years and should not owe any balance on

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: TX

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: FL

Complaint narrative:
How they came up with the number {$400000.00} that said that I owe which I don't. Also, XXXX XXXX and his friends breached the data in my account until a judge intervened last week. I am requesting that my loans be forgiven according to the law on breaches. Mohelas new web page wasn't even working to enter my account last time I checked. Please delete the loans from my credit report and forgive my loans that were only XXXX, not {$400000.00}. I paid way more payment than the XXXX they said I sent. I have been under several servicing companies since XXXX and the numbers have never been correct. Lastly, they created an IRS offset and took over {$9000.00} in payments they are not counting either. Help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There seems not to be a specific box for my entire complaint and dilemna. It appears that there has been a collective effort to lower my credit scores that were totally beyond the realm of reality. It was almost as if there was a collective effort between the creditors and credit reporting repositories to prevent me to be able to move forward with the ability to work through a bad situation. In past years I've worked in finance industries and have never witnessed anyone 's credit score to drop over XXXX points from an XXXX to a XXXX within a year and a half, and during that time not miss any payments to said creditors, XXXX collections, no bankruptcy filings, etc. The biggest issue was creditors lowering my credit limits in unison giving the appearance of being overextended. This was even done after I mentioned that the reason for the added useage to my credit was due to a business startup that I helped startup as a legacy for my son who was in preparation to take over in the summer of XXXX but suddenly passed away from an unsuspected XXXX XXXX. Even with that I still paid timely on these accounts and with my scores still plummeting, it made it next to impossible to secure business loans in order to operate more efficiently and to generate more income to work through the situation to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear CFPB, I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX for multiple violations of my consumer rights under federal law, specifically regarding the Fair Debt Collection Practices Act ( FDCPA ) and related regulations. On [ XX/XX/year> ], I sent a dispute letter to XXXX XXXX XXXX disputing any and all debts they claim I owe. In this letter, I explicitly revoked their right to communicate with me through email, text, or phone calls. I also requested the following : XXXX. Debt Validation : Proof of the debt as mandated by 12 CFR 1006.34 ( b ) ( 5 ). 2. Purchase Agreement : A copy of the purchase agreement between XXXX XXXX XXXX and the original creditor. XXXX. Licensing Information : Proof that they are licensed and bonded to operate as a collection agency. Despite my requests, XXXX XXXX XXXX has failed to provide the required validation information and has placed a collection on my consumer report without giving me a chance to dispute the account, in violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Furthermore, their actions constitute a clear violation of my rights under the FDCPA, as they are employing false, misleading, and deceptive means to collect a debt. They have no authority to furnish any accounts to consumer reporting agencies without providing the necessary disclosures as required by law, specifically under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). The failure of XXXX XXXX XXXX to adhere to these regulations is not only a violation of my rights but also undermines the integrity of the debt collection process. I request that the CFPB investigate this matter and take appropriate action against XXXX XXXX XXXX for their unlawful practices. I look forward to your prompt attention to this serious issue. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: VA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
my personal and financial information was compromised without my authorization. FERPA protects the confidentiality of student records. The breach violates the contract and renders it null and void Due to violation of the family educational rights and privacy act FERPA 20 U.S.C 1232g 34 CFR Part 99. and any federal privacy laws.

The institution failed to protect my educational and financial records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: AR

Complaint narrative:
As of XX/XX/year> experience has emailed me their investigation of my dispute is completed. However, I am writing to dispute certain inaccuracies in my credit report, as well as a failure to comply with the provisions of the Fair Credit Reporting Act ( FCRA ). Specifically, I am challenging the following : 1. Failure to Provide Proof of Validation Documents Under Section 609 of the FCRA, I am entitled to request documentation from you to verify the accuracy of certain items on my credit report. I have previously submitted requests for proof of validation regarding specific accounts listed, and I have not received sufficient or adequate validation documents. I request that you provide proper validation as required by the FCRA for the listed items on my credit report or immediately delete them from my file. 
XXXX. Illegal Updates Instead of Deletion of Incorrect Information According to the FCRA, inaccurate, outdated, or unverifiable information should be deleted from my credit report. I have noticed that errors or items that were not appropriately verified have been updated rather than deleted, which violates the law. These errors are unlawful, and they should not remain on my credit report, regardless of any updates made. 

The inaccurate and unverifiable information negatively impacts my credit report, and I am requesting that you : Provide validation documentation as required by law. 
Immediately delete any unverifiable, inaccurate, or outdated information. 
Correct any updates that were made unlawfully, in violation of the FCRA.

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 2025-02-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: MN

Complaint narrative:
Multiple transactions were sent through Zelle that I never used and also my chase account had fraudulent activity which it caused for the account to be closed. Zelle through the bank apps is how my account information were leaked

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: SC

Complaint narrative:
Experian is giving false credit reports and false credit information to companies. I cant access my reports anymore nor sign in. My credit has been compromised. Exercising my right to use 15 USC 1681i ( a ) 1, 15 USC 1681i ( a ) 6 ( B ) 3, and 15 USC 1681i ( a ) ( 5 ) B

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 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
my personal and financial information was compromised without my authorization. the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
Unauthorized transactions occurred on my account and I was not giving refunds or any help whatsoever with their customer service also I was denied the ability to deposit cash money into my account and in the end my accounts were canceled when I started inquiring about these incidents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/XXXX after pulling my credit report, I was made fully aware the account through Dividend my account # XXXX was closed on XX/XX/XXXX as a charge off. On or around XX/XX/XXXX, I received a statement from Dividend requesting payment in the amount of {$1500.00}. These charges would included principal, interest and late fees dates within the month of including XXXX, XXXX, XXXX and XXXX of XXXX. According to the FDCPA, Dividend has violated my rights as a consumer by adding additional fees once the account was closed and charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I am XXXX and was receiving benefits through Money Network debit card. I went to use my card XXXX day and got denied, when i called to check the balance it was XXXX $ flat. I freaked out because i had over XXXX XXXX dollars in funds. I called money network and got the list of transactions that were not authorized by me. I filed a dispute with money network and they denied the dispute due to " digital validation of the transaction ''. Not sure how that makes any sense. Once I reported fraud on the first card, they closed account and sent me another one. When I called to follow up and speak to someone about the dispute, they had to verify my email. Well the representative noticed that another email was linked to the card account already and it was not me. I am sending in an appeal. 

CASE NUMBER : 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 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

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
bankruptcy is reporting on my credit file and bankruptcy courts do not report information directly to credit bureaus.Therefor, this bankruptcy entry is inaccurately reflected on my report and needs to be removed.

Company response to consumer: Closed with explanation