vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Harpeth Financial Services, LLC
State: SC

Complaint narrative:
Tried to get a XXXX XXXX  line of credit for some dental work that I need to get done. I started the process on XX/XX/year>. I have sent them my paystub, bank information, tax returns and they kept asking for more information. I wasnt able to download the documents on their site because when I would log into my account it kept signing me off and wanted me to re-apply. So I had to send documents via email which I didnt feel comfortable doing since I had identity theft in the past. I also didnt have direct deposit because the bank account I had had fraud in it so my employer was giving me paper checks. I had given them my new bank account info. After a week, I gave up and told them to cancel the application because they just kept asking for documents. I want them to shred all my documents. They wanted an IRS form 4506 for authorization to get my tax return. I dont trust this company. They asked for my whole life information for {$600.00}. Shady!!! They need to be banned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: CA

Complaint narrative:
My Federal Student was discharged because I had 120 PSLF qualified payments on XX/XX/XXXX. 
In XX/XX/XXXX, the loan reappeared on my credit. 
Can you help me get XXXX to remove it? They don't think I am their customer anymore becuase they have changed hands and my account was discharged and closed.

I only can get info from US Dept of Ed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: CA

Complaint narrative:
My Federal Student was discharged because I had XXXX XXXX qualified payments on XX/XX/XXXX. 
In XX/XX/XXXX, the loan reappeared on my credit. 
Can you help me get XXXX to remove it? They don't think I am their customer anymore becuase they have changed hands and my account was discharged and closed.

I only can get info from US Dept of Ed

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 2025-02-07 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: CA

Complaint narrative:
My XXXX XXXX was discharged because I had XXXX XXXX qualified payments on XX/XX/XXXX. 
In XX/XX/XXXX, the loan reappeared on my credit. 
Can you help me get XXXX to remove it? They don't think I am their customer anymore becuase they have changed hands and my account was discharged and closed. 
I only can get info from US Dept of Ed

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 2025-02-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: LA

Complaint narrative:
XX/XX/year> : Called Credit Fresh to express that I needed lower payments due to the XXXX and being a resident of XXXX  on XXXX XXXX XXXX also sent an email with active duty orders. 

I was told to upload documents to the e portal and I did. 

No SCRA was ever applied to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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 2025-02-07 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
the following accounts were open fraudulently while i was in federal prison XXXX XXXX AMOUNT XXXX XXXX AMOUNT XXXX XXXX FINANCE AMOUNT XXXX MIDLAND CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I WAS INCARCERATED FOR THE LAST 17years in the FEDERAL PRISON SYSYTEM THERE WAS NO WAY I CAN IOPEN ACCOUNTS WHILE IN FEDERAL CUSTODY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: AZ

Complaint narrative:
I am filing a complaint against Equifax for Search failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours ( XXXX XXXX. XXXX ) 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: LEXISNEXIS
State: PA

Complaint narrative:
XXXX XXXX Assistance XXXX XXXX XXXX XXXX, PA XXXX Subject : IMMEDIATE REMOVAL OF UNVERIFIABLE DATA FINAL LEGAL NOTICE To Whom It May Concern, This is a formal demand for immediate removal of inaccurate, unverifiable, and outdated information appearing on my XXXX report. I am disputing the following accounts, which must be immediately deleted : XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX Pursuant to 15 U.S.C. 1681c ( a ) ( Section 605 of the Fair Credit Reporting Act - FCRA ), consumer reporting agencies are prohibited from reporting any information that is obsolete, inaccurate, or unverifiable. LEGAL BASIS FOR REMOVAL Under 15 U.S.C. 1681c ( a ), any outdated, inaccurate, or unverifiable data must be permanently removed from my file. XXXX, as a credit reporting agency, is legally obligated to ensure only fully verified, accurate, and up-to-date information remains on my report. I have previously requested verification of these accounts, and neither XXXX nor the furnishers have provided original documentation proving the accuracy of this data. This is a direct violation of 15 U.S.C. 1681s-2, which mandates that only accurate and verifiable information can be reported. Since you can not provide original, legally binding documents proving I authorized these accounts, you are required by law to remove them immediately. IMMEDIATE ACTION REQUIRED 1. Permanently delete the above-listed accounts from my XXXX report in accordance with 15 U.S.C. 1681c ( a ). 2. Provide written confirmation that these accounts have been permanently removed. 3. Provide a copy of my updated XXXX report reflecting these deletions. 4. Cease all future reporting of these accounts to any third parties. 5. Remove any address on my report that isn't XXXX XXXX XXXX. # XXXX XXXX, Pa XXXX LEGAL CONSEQUENCES FOR NON-COMPLIANCE Failure to comply within 30 days will result in : Legal action under 15 U.S.C. 1681n ( willful violations of the FCRA ). Legal action under 15 U.S.C. 1681o ( negligent violations of the FCRA ). Formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state regulators. This is NOT a simple dispute ; this is a legal demand for immediate deletion under federal law. If XXXX fails to comply, I will pursue all available legal remedies without further notice. You are required to respond within 30 days from the date of this letter, as mandated by

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: WA

Complaint narrative:
Im reaching out because there are inaccurate items on my credit report that need to be addressed. The details of these errors are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have attempted several times to resolve these discrepancies by submitting disputes and providing the necessary documentation, yet no corrective action has been taken. Despite my repeated efforts, these errors remain on my report, negatively impacting my financial situation and causing undue stress. It is frustrating to keep dealing with these unresolved issues. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to a credit report that is both fair and accurate. I am asking you to take immediate action to verify and correct these mistakes. If you are unable to confirm their accuracy, they must be removed in compliance with federal law. I appreciate your prompt attention to this matter.

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 2025-02-07 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:
Equifax on XX/XX/year> you received my Complaint. See CFPB case number XXXX regarding inaccurate and incomplete information on my consumer that you replied Verified/Accurate. The account that you responded verified XXXX XXXX XXXX to still has inaccurate and incomplete information. 15 USC 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. By law you are obligated to report accurate information, you are also supposed to notify me not later than 5 business days after the completion of the re-investigation by mail BUT you did not?! ( 6 ) Notice of results of re-investigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a re-investigation under this subsection not later than 5 business days after the completion of the re-investigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the re-investigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the re-investigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am here. By requesting in good faith pursuant rule 1002 a description of the procedure used to determine the accuracy and completeness of the information used in verifying this account as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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 2025-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unifin Inc.
State: FL

Complaint narrative:
I'm not sure who is trying to collect but here 's the backstory : On XX/XX/year>, I settled a debt with XXXX XXXX XXXX by paying the amount they offered by the deadline they stated. The amount was XXXX and the confirmation number for this payment is XXXX. They still sold the account to collections. I have been contacted by both XXXX XXXX and UNFIN. I sent both of these companies the documentation that I settled this by email and XXXX mail yet they still call me multiple times per day, email me and text me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Inquiries : XXXXXXXX XXXX XXXXXX/XX/year> : XXXX XX/XX/year> : XXXX XXXX XX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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 2025-02-07 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: OH

Complaint narrative:
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 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, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( I ) ( a ) - ( b ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) 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. The accounts I mark as inaccurate are listed below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Along with a personal name attached to my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 2025-02-07 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: WV

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-02-07 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-02-07 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-02-07 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: TX

Complaint narrative:
Dear CFPB Representative, I am filing a formal complaint against XXXX XXXX Bank for engaging in deceptive, inaccurate, and abusive credit reporting practices in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

FCRA Violations by XXXX XXXX XXXX  : XXXX. Illegal and Repetitive Charge-Off Reporting : XXXX XXXX XXXX  has XXXX reporting a charge-off on my account every single month throughout XXXX and XXXX, which is factually and legally incorrect. 
A creditor is only permitted to report a charge-off once, not on a recurring basis. This misleading practice is designed to artificially extend the negative impact on my credit and is a clear violation of FCRA guidelines.

2. Retaliatory and Conflicting Reporting After Dispute : After I disputed this fraudulent reporting, XXXX XXXX XXXX  falsely updated my account as Open and Over the Credit Limit. 
This is completely inaccurate and deceptive because a charged-off account can not remain open or have an active over-the-limit balance.

This misrepresentation is an intentional attempt to damage my credit standing and is a direct violation of 15 U.S.C. 1681s-2 ( a ) (
1 ) ( B ), which prohibits the reporting of inaccurate information.

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