vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 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: IL

Complaint narrative:
XXXX XXXX has reported an account to my Credit report such as " Equifax " as a closed account with a balance. I noticed many discrepancies and inaccuracies on my credit report. This company has sold my information there shouldn't be no balance reporting The company " XXXX has gotten a kick back for this alleged debt this company is furnishing inaccurate information. according to the FCRA consumer reports must be accurate and error free. however, it's illegal to report a closed collections account with a balance which has been sold to many collection agencies such as XXXX, XXXX, it states the balance was updated on XX/XX/year> with a balance which is an inaccuracy and a violation to the FCRA. If the account was closed how was the balance updated after being sold to many collections. Also the company as well as the credit agency Equifax has violated the FCRA section 605 ( c ) states creditors or collection agencies it they try to " RE-AGE '' consumers accounts by updating the date of last activity, on credit reports in hopes of keeping negative information on reports longer. another violation FCRA section 605B " it is illegal to report anything on my credit report without my permission. Please remove this negative item did I give you permission or issued my signed consent for you'll to do so? NO I DID NOT. Equifax has violated my consumer rights. Failure to comply within 15 days in formal complaints with the CFPB, and legal action for damages under 15 USC 1681n and 1681o another thing the FDCPA has been violated as well Debt collection practices which can lead to statutory damages up to {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
Navy Federal Credit Union is reporting a charged-off loan with a balance that continues to show monthly CO entries long after the charge-off date. This gives the appearance of ongoing delinquency and appears to violate XXXX XXXX guidelines regarding charge-off status. In addition, key fields like the Date of First Delinquency ( DOFD ), Date Opened, and Date of Last Activity ( DLA ) are either missing or inconsistent, which violates FCRA 623 ( a ) ( 5 ). Despite previous disputes, I have not received any documentation or explanation.

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 2025-04-04 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:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: NC

Complaint narrative:
Dear [ Equifax / Experian / TransUnion ], This letter is a formal request under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), regarding the recent dispute I submitted concerning the XXXX  account appearing on my credit report. Your response indicated the account was verified, but you did not provide sufficient details regarding how this verification was conducted. 

I am requesting the method of verification used to confirm the accuracy of this account. Specifically, please provide : 1. The name and contact information of the party you contacted to verify the account.

2. The method used to verify the accuracy of the reported information.

3. A copy of any documentation or records you used in the verification process.

4. Confirmation of whether the furnisher ( XXXX ) provided original signed contracts or records bearing my signature. 

According to the FCRA, you are required to conduct a reasonable investigation and respond to this request within 15 days of receipt. If you are unable to provide sufficient verification or documentation, you are required to delete this account from my credit report immediately. 

Please send your response in writing to the address listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MI

Complaint narrative:
I called chime to see about a transaction and i wanted to get a dispute and a temporary payback til the dispute was taken care of and no one could help mei wasnt notified beforehand about the transaction and it was taken out of my savings

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Portfolio Recovery ( XXXX ) is reporting a collection account with unclear payment history, inconsistent balance reporting, and questionable DOFD. This tradeline may not be verifiable and appears to violate FCRA 623 ( b ), as well as XXXX XXXX standards concerning accurate and complete furnishing of information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital One Financial Corporation is an American Bank holding company specializing in credit cards, auto loans, banking, and saving accounts. It is headquartered in XXXX Virginia with operations primarily in the United States. This company claims that I have a debt that I owe them, however, I have never opened a credit card account with this company. I have disputed this false debt on my credit report multiple times. I am currently being harassed daily by a barrage of phone calls from a third party debt collection company, XXXX XXXX XXXX, threatening me to pay this fraudulent debt. I would like for this fraudulent collection to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-04 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-04-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Tesla, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I inquired about leasing a new Tesla, I was told I needed to pay an order fee of {$250.00} in order to apply. I was also told that if we did not qualify we would receive the {$250.00} back. After applying we were told that we did not qualify for the lease. We proceeded to lease another vehicle at a XXXX dealer. After following-up on the return of the {$250.00} fee we were told that we would not receive the {$250.00} fee back because they could approve us if we traded in our current XXXX loan . Trading in the XXXX was never discussed as we needed two vehicles. They lied about returning the fee if we didn't qualify, and we have not received the {$250.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MiraMed Revenue Group LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XX/XX/year> MIRAMED REVENUE GROUP XXXX XXXX XXXX XXXX XXXX, IL XXXX Re : Cease and Desist Request under 15 U.S.C. 1692c ( c ) Dear MIRAMED REVENUE GROUP, I am writing to formally request that you immediately cease all communication with me regarding the alleged debt referenced in your recent correspondence, pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). 

Please be advised that I am exercising my right under the FDCPA to request that you cease and desist from contacting me further regarding this matter. Under 15 U.S.C. 1692c ( c ), once a debtor notifies a debt collector in writing that they wish to cease communication, the debt collector must immediately stop communicating with the debtor, except under limited circumstances ( such as notifying the debtor that further action will be taken, including legal action ).

Therefore, I expect that : You cease all phone calls, letters, and any other forms of communication regarding this debt. 

You refrain from any further contact with me unless you are notifying me of specific actions being taken against me, such as filing a lawsuit. 

Please note that any further contact by your office regarding this matter, after receiving this request, will be considered a violation of the FDCPA, and I will take all necessary steps, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action if necessary. 

I appreciate your immediate attention to this matter and trust that you will honor my rights under the FDCPA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: GA

Complaint narrative:
It was confirmed by a supervisor that mohela received my IDR APPLICATION BACK XX/XX/XXXX and a supervisor spoke to a agent that my forbearance should be extended pass XX/XX/XXXX. It was not indicating the correct updated status and supervisor reassured that my account Will be correct and update. I notice on XX/XX/XXXX and no changes noted nor updated I also received a XXXX pt drop in my credit score because mohela listed I owe XXXX but my status is in forbearance. I contacted mohela about it and they confirmed it was a mistake but it still on my credit reports and Im getting denied for loans because my score is lower than required

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: IA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-04 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: IA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: VA

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of Department of Government Efficiency ( DOGE ) to multiple internal systems within the Department of Education, including financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised. Us dept of /XXXX  account XXXX {$5800.00} Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: OH

Complaint narrative:
Chime is the company. They have a service they advertise called XXXX. My income source has not changed. I do recieve $ XXXX direct deposit. The ONLY change in my income was increased every XXXX XXXX of each year since XXXXThe XXXX is supposed to increase each month up to {$500.00}. My XXXX  started at {$180.00} then went to {$360.00} for XXXX. This month, XX/XX/year>, it decreased to {$240.00} AFTER I REPAID BACK THE MYPAY I ACCESSED OF {$350.00}, MINUS THE {$10.00} FEES, THEN THEY DECREASED IT TO {$240.00}. SO BASICALLY THEY ARE TRYING TO KEEP THE APPROXIMATE {$110.00} DIFFERENCE. ISN'T THAT STEALING? 
The only reasoning they gave me was a supervisor told me the system needed to refresh, then another employee told me that it was because my direct deposit came at an unexpected date, then another employee told me the amount of deposits changed. Which one is true. I waited 24 hours to allow system to refresh and my income a ALWAYS COMES EARLY!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: TN

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: Possible Financial Inc
State: TX

Complaint narrative:
I dont agree with the account listed below, which still appears on my credit report even after your investigation, I would like this account immediately re-investigated these inaccuracies are highly injurious to my credit rating. 

Furthermore, in accordance with the Fair Credit Reporting Act, Public Law 91506, Title VI, section 611, subsection A-D please provide the names and business addresses of each individual with whom you verified the above so that I may follow up. 
Please forward me an updated credit report after you have completed your investigation and corrections. Your cooperation and prompt attention are greatly appreciated. 

( POSSIBLE FINANCIAL INC Account number : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: TX

Complaint narrative:
I filed a dispute on the account ending with XXXX, XXXX XXXX due to incorrect information. Equifax and XXXX denied to follow up with the investigation. I was recently notified that CFPB has filled a lawsuit against the company. They alleged the company of accepting unreliable information. This aligns well with my situation. I'm requesting this derogatory remark be removed or corrected immediately as its affectiong my chance of getting a loan. This violates my rights as a consumer as well as federal laws.

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 2025-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
I canceled my policy on XX/XX/XXXX via phone. I received a notice from Progressive in XX/XX/XXXX, dated XXXX, that I owed them $ XXXX and my policy was canceled on XX/XX/XXXX. I called them on XX/XX/XXXX and informed customer service that I nonrenewed my policy on XX/XX/XXXX. She requested that I send proof of duplicate coverage, which I did, and received a confirmation email. She told me I didn't owe $ XXXX and they would send me a bill if any balance was due. On XX/XX/XXXX, I received an email that the policy cancellation was backdated to XX/XX/XXXX. I also received a small refund. I did not receive any bill. On XX/XX/XXXX, I received a notice that I owe Progressive {$790.00}. I called and spoke with XXXX. She told me that I owed the balance through XX/XX/XXXX, and the amount would have been {$1600.00} through XX/XX/XXXX. I questioned her calculations and informed her of my previous conversation on XX/XX/XXXX. After 30 minutes of misinformation, XXXX confirmed that the cancellation hadn't been processed correctly. She re-processed the cancellation and sent me another email duplicating the one I received on XX/XX/XXXX. She told me I have a new balance of {$250.00} and that my account was already sent to collections for {$790.00}. I was not notified of any collections and I requested for them to remove it and send me a bill. XXXX refused and started to argue with me. Her manager XXXX also refused. The phone call was recorded and XXXX acknowledged that Progressive did not process the cancellation in XXXX or XXXX as I requested, an incorrect balance was sent to collections, and the letter that Progressive claims they sent to me told me to contact them by XX/XX/XXXX or the balance would be sent to collections ; she acknowledged that I contacted them on XX/XX/XXXX and they still made the mistake of sending this to collections. I never received any notices from the collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I allege Wells Fargo and Wells Fargo Home Mortgage of Fraud, Deceptive Practices, Security Fraud, Unjust enrichment, Deprivation of Rights and theft. 
My banking statements, account details and online banking screen shots as well as bank and forth communication and recorded phone calls withWells Fargo and Wells Fargo Home Mortgage clearly and undoubtably prove all allegations true. Mail sent certified mail in addition prove this corporations fraud and operating In the United States, Iowa as a registered Foreign Agent not adhering to the laws of the land/ The Constitution and continuing to doing illegal business with the United States People of America and citizens of the United States. In Violation of FARA and United States Codes and Practices

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