vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MS

Complaint narrative:
I applied to the XXXX program in XXXX of XXXX. I also consolidated my loans at that time so I could start working towards XXXX earlier than XXXX. As you know the court case happened around the time I was supposed to start payments. When I got my first statement I was out in a standard payment plan which I could not do. I called and they said my account and SAVE app were not processed but I could be put in admin forbearance with interest ( which in of itself is ridiculous bc I didnt choose to be in standard repayment ) I did this for XXXX payment cycles and then I got a letter that since it had been XXXX  days or more I was automatically in XXXX forbearance and didnt have to call anymore to extend my admin forbearance and that interest would not accrue which it still has. I have now gotten a past due bill on my account and it says I owe over XXXX dollars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing regarding my credit report referenced above, which contains inaccuracies and omissions, including missing payments and other discrepancies. While I understand that errors can occur, I trust in your commitment to accuracy and consumer fairness to address and resolve these issues promptly. 

I kindly request that you : Investigate and correct the missing payment history and any other inaccuracies reflected in my credit report. 
Restore my credit report immediately to ensure accurate and complete information is reflected. 
This matter is of significant importance as it affects my creditworthiness. Please take the necessary steps to update and correct my report as quickly as possible. I am confident that your agency strives for accuracy and fairness, and I appreciate your attention to this matter. 

Should you require additional information to assist with your investigation, please do not hesitate to contact me directly by Email and Phone number. 
Thank you for your prompt attention to this issue. I look forward to confirmation that my credit report has been updated accurately. 

Sincerely, 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing regarding my credit report referenced above, which contains inaccuracies and omissions, including missing payments and other discrepancies. While I understand that errors can occur, I trust in your commitment to accuracy and consumer fairness to address and resolve these issues promptly. 

I kindly request that you : Investigate and correct the missing payment history and any other inaccuracies reflected in my credit report. 
Restore my credit report immediately to ensure accurate and complete information is reflected. 
This matter is of significant importance as it affects my creditworthiness. Please take the necessary steps to update and correct my report as quickly as possible. I am confident that your agency strives for accuracy and fairness, and I appreciate your attention to this matter. 

Should you require additional information to assist with your investigation, please do not hesitate to contact me directly by Email and Phone number. 
Thank you for your prompt attention to this issue. I look forward to confirmation that my credit report has been updated accurately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I recently reviewed my credit report and noticed a discrepancy that does not align with my personal records. It appears that some of the information reported may be incorrect or outdated. I kindly ask that you review this matter thoroughly and make the necessary corrections to ensure accuracy. Thank you for your prompt attention to this issueit is greatly appreciated.

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 2025-01-24 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 informed Equifax, XXXX, and XXXX that the information reported on my credit report was inaccurate and needed to be removed. The accounts in question were either not mine or had been paid off with the original creditors. I provided certified mail and supporting proof to all three credit bureaus. However, I have not received any correspondence from Equifax, XXXX, or XXXX regarding this matter. 

They have falsely reported inaccurate information and refused to remove it. This has caused me significant financial hardship, as I am unable to secure lending or housing due to their failure to correct the inaccuracies on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash app transfer XXXX $ for a total of XXXX times in or around XX/XX/year>. Cash app never gave my money back. It got transferred in bitcoin or something from cash app. I do use bitcoins or know to transfer it. Cash app never verify if I knew the person or password

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: NJ

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( XXXX ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that Experian : XXXX. Conduct a thorough reinvestigation of the following disputed accounts or items XXXX XXXX - Inquiry dateAug XXXX, 2024 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, 2024 XXXX - XXXX - XXXX XXXX XXXX, 2024 XXXX-XXXX/XXXX  - Inquiry XXXX XXXX, 2024 XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 
XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
See attached below Been wanting to get my credit unfreeze for a couple of months now and I have no luck. Everytime I call I get different addresses I sent in multiple letters to this company even called and still nothing is done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: VA

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits I was unfairly charged overdraft fees. This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: SC

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 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, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-24 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: SC

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 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, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-24 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I'm filing this complaint because of a data breach at Equifax that exposed my personal information, including my social security number and financial details. Despite contacting them, I've received little support or guidance on how to protect myself. I've attached relevant documents to support my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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:
I am writing to formally file a complaint against Equifax regarding its failure to investigate inaccuracies reported on my credit report, as is required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Despite my repeated submissions detailing the inaccuracies related to [ specific accounts or information in question ], Equifax has provided me with responses that indicate a lack of thorough investigation. Specifically, I have received notifications stating the accounts are accurate within 24 hours of my dispute submissions, without any accompanying evidence or clarification regarding the investigation process undertaken.

The actions of Equifax not only violate the FCRA 's mandate for a reasonable investigation but also may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). The recent findings by the CFPB highlight the necessity for consumer reporting agencies to engage in fair practices, including comprehensive investigations into disputes raised by consumers. 

These are the following accounts 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: PA

Complaint narrative:
Experian and XXXX XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX XXXX has neither corrected nor removed. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. XXXX XXXX has also stated that the said account ( Department XXXX XXXX XXXX was deleted from my credit report but, it is still on there. I then tried to dispute it again and they say the information was verified as accurate but, provided no evidence to support that outcome.

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 2025-01-24 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: AZ

Complaint narrative:
Im fed up. The accounts that are still in pending litigation on my credit report have been a constant source of frustration. Ive made numerous attempts to get this corrected, and nothing has been done. Its maddening that Im still dealing with this issue, especially since its unfairly hurting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-01-24 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: CCS Financial Services, Inc.
State: NC

Complaint narrative:
IVE BEEN IN CONTACT WITH CREDIT COLLECTION IN SEVERAL ATTEMPTS AND EVEN SPOKE TO THE SUPERVISOR CONCERNING THIS MATTER WITH XXXX. 
I DO NOT HAVE XXXX AND THE CARS THAT ARE INSURED WITH XXXX UNDER MY NAME IS TITLED OR OWNED BY ME. I HAVE CONTACTED THE XXXX AND POLICE CONCERNING THIS MATTER AND ALL REPORTS HAVE BEEN FILED AND SENT TO XXXX XXXX. THEY HAVE KNOWLEDGE ITS NOT MY ACCOUNT AND SO DOES CREDIT COLLECTIONS AS WELL. I HAVE SPOKE WITH MY ATTORNEYS IN XXXX AND THEY ARE FILING LEGAL ACTIONS AS OF XX/XX/year> TO SEEK LEGAL DANGEROUS ITS COST ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: Receivable Management Group, Inc. (GA)
State: TX

Complaint narrative:
I have no liability to RECEIVABLE MGMT GROUP for they are a third party debt collector and I have no contract with them. RECEIVABLE MGMT GROUP brought the debt from XXXX XXXX XXXX in which the debt would had to have been charged off. A charge off is considered income and income can not be reported to credit report because it turns into a certificate of indebtedness. I would like RECEIVABLE MGMT GROUP to provide me the direct contract between them and XXXX XXXX XXXX showing that the are authorized to collect for XXXX XXXX XXXX and they are not a company that just brought a debt. They have also violated the Privacy Act of 1974 and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I was never given a notice or way to out of RECEIVABLE MGMT GROUP and XXXX reporting this to my report. It was caused significant emotional damage for I was not able obtain credit because of your actions.

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 2025-01-24 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
After reviewing my XXXX Credit report on XX/XX/year>, I noticed fraudulent and inaccurate reporting from Santander. 
The fraudulent account reported no data 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 The reporting is not only impossible but incorrect and I request that the account be removed from my credit report immediately.

Company response to consumer: Closed with explanation