vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Scam occurred on XX/XX/XXXX XXXX minor daughter was scammed via phone by someone posing as her banking institution ( NFCU ). Immediately discovering she was a victim we reached out to both institutions that were involved : Navy Federal Credit Union and XXXX. A provisional credit was given while an investigation was being conducted by NFCU. We received a letter from NFCU ( XX/XX/year> ) requesting additional information and/or funds will be revoked. We immediately submitted an appeal detailing multiple requests, which included us to be provided with detailed information of what was used to arrive at the conclusion. The information we provided was photos, phone numbers, and written statements of events via electronic communication. NFCU website suggests we contact immediately... we did that. They have not explained nor provided us with any information to show what was used. XXXX XXXX refused to tell us who the account holder is. XXXX was not communicated too as well as there was no mention of this information. As it stands today, I was informed by a floor supervisor w/NFCU that there is no timeframe as to the length of time it takes for them to process an appeal. And I should resend my request again. It's my understanding that NFCU will not reach out to XXXX XXXX per the supervisor. Even though we showed NFCU our attempts to rectify the situation. The amount in reference is {$1500.00}. XXXX XXXX was provided with detailed information immediately and failed to take necessary measures to properly investigate fraud claim to mitigate or assist my daughter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-01-28 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: GA

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2025-01-28 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/year> # XXXX Experian Dispute Resolution Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Cease and Desist Request Dear Experian Dispute Resolution Team, I am writing to formally request that Experian immediately cease and desist from reporting inaccurate information on my credit report, unauthorized access to my credit file The specific issue pertains to [ describe the issuee.g., " the inclusion of inaccurate information related to [ specific account/creditor ] '' or " unauthorized inquiries made on my credit file by [ specific entity ] '' ]. 

Despite my prior attempts to resolve this matter, [ briefly explain previous steps taken, e.g., " I submitted disputes on [ date ], which remain unresolved '' or " I have received no satisfactory resolution to this issue '' ]. 

Under the Fair Credit Reporting Act ( FCRA ) and applicable state laws, you are obligated to ensure the accuracy of the information you report and take immediate corrective actions when errors are brought to your attention. Continuing to report or facilitate the dissemination of inaccurate or unauthorized information may constitute a violation of federal law and subject Experian to potential liability.

This letter serves as formal notice that you must take the following actions : Cease and desist from specific actions, reporting or " sharing my credit information without proper authorization ''. 
Provide written confirmation of the corrective actions taken within 30 days of receiving this notice.

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 2025-01-28 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:
[ Your Full Name ] \ [ Your Address ] \ [ City, State, ZIP Code ] \ [ Date ] [ Credit Bureau Name ] \ [ Address of Credit Bureau ] \ [ City, State, ZIP Code ] Re : Formal Dispute and Notice of Violation of 15 U.S.C. 1681o To Whom It May Concern : This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), specifically invoking my rights under 15 U.S.C. 1681o, regarding your negligent noncompliance with your legal obligations. I am bringing to your immediate attention inaccuracies in my credit report that require immediate correction. 

# # # Disputed Items : [ XXXX XXXX XXXX Account # XXXX Amount \ {$850.00} XXXX XXXX XXXX Account # XXXX Amount \ {$810.00} XXXX XXXX XXXX Account # XXXX Amount \ {$4100.00} ] # # # Basis for Dispute : The items listed above are inaccurate, unverifiable, and/or outdated. You are obligated under 15 U.S.C. 1681i to conduct a reasonable reinvestigation of any disputed information within 30 days of receiving this dispute. Failure to do so constitutes a violation of federal law.

# # # Your Legal Obligations : 1. **Under 15 U.S.C. 1681i** You are required to reinvestigate disputed information promptly, verify its accuracy, or delete it from my report.

2. **Under 15 U.S.C. 1681o** Negligent failure to comply with your obligations makes you liable for actual damages sustained as a result, along with costs and attorneys fees.

# # # Demand for Action : You must take the following actions within 30 days : 1. Conduct a full reinvestigation of the disputed items.

2. Provide a written response detailing the results of your investigation.

3. Correct or delete any unverifiable, inaccurate, or outdated information.

4. Provide me with a free copy of my updated credit report.

# # # Notice of Intent to Pursue Legal Action : Should you fail to comply with these legal obligations, I will have no choice but to pursue all available legal remedies. This includes filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or initiating a lawsuit to seek damages, costs, and attorneys fees as outlined in 15 U.S.C. 1681o.

This letter is not only a formal dispute but also notice of your liability should you fail to comply. Negligence in fulfilling your statutory duties will not be tolerated.

I expect your prompt attention to this matter and a written response within the legally mandated timeframe. Failure to comply will confirm your disregard for consumer rights, leaving me no choice but to escalate this matter further.

Sincerely, [ Your Full Name ] \ [ Last Four Digits of Social Security Number ] \ [ Date of Birth ] \ [ Email Address ] \ [ Phone Number ] **Enclosures : ** - Copy of my government-issued ID - Proof of address ( utility bill or similar )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On the dates listed below I requested the validation and removal of derogatory information that is being reported on my credit report : - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$10000.00} The consumer reporting agency has not investigated, removed or adhered to my request or the law.

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 2025-01-28 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: NV

Complaint narrative:
On the dates listed below I requested the validation and removal of derogatory information that is being reported on my credit report : - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$10000.00} The consumer reporting agency has not investigated, removed or adhered to my request or the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I recently noticed that my credit report has inaccurate information on all three credit reports. I have been a victim of many data breaches as well and taking care of them before any more damages

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 2025-01-28 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:
I am writing to you because this has been an ABUSE by the Ferderal Student Aid Department. They are overcharging me and have closed two feedback cases without resolution or actually speaking with me and giving me an explanation of their decision. I do not know whom else to contact. It was actually a Federal Student Aid representative that noticed the error and asked me to open a complaint. I do not know why the Ombudsman Group can not see it.

I have opened two cases : Feedback Case # XXXX Date Submitted : XX/XX/XXXX Feedback Case # XXXX Date Submitted : XX/XX/XXXX 1.For the XXXX aid year, the total loans awarded was {$9600.00} for the year. However, the servicer is reporting a loan of {$14000.00} for the loan date XX/XX/XXXX. This amount needs to be corrected as it is presenting a higher balance than what I should have. 

2.For XXXX aid year, the total loans awarded was {$4500.00}. This amount is correct. 

3.So in total I was awarded roughly {$14000.00} ( {$9600.00} + {$4500.00} ) for my whole program XX/XX/XXXX- XX/XX/XXXX. 

4.I made two payments : {$4600.00} on XX/XX/XXXX {$4800.00} on XX/XX/XXXX TOTAL PAYMENTS : {$9500.00} 5. {$14000.00} ( CHARGES ) - {$9500.00} ( PAYMENTS ) = {$4600.00} My remaining balance should be roughly {$4600.00} ... ... NOT {$9800.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: North State Acceptance, LLC
State: NC

Complaint narrative:
After my vehicle was repossessed, I requested documentation from North State Acceptance to verify the account, specifically the auction receipt. While they provided some documents, they initially refused to provide the auction receipt, which is critical for verifying the accuracy of the deficiency balance. Only after filing a complaint with the CFPB did they decide to release this information, highlighting inconsistencies in their handling of my account. These actions have caused confusion and raised concerns about their compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I filed a dispute on Account # XXXX XXXX  Resergent LVNV FUNDING, due to the account does not belong to XXXX XXXX denied to follow up with the investigation. I recently was notified that that CFPB has filed a lawsuit against the company ( XXXX  ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed immediately. As it is affecting my chances on purchasing my home. XXXX violates my my rights as a consumer as well as federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
I am filing this complaint against Lexington Law regarding deceptive practices which violated the Telemarketing Sales Rule ( TSR ) and caused me financial harm. I was misled by their marketing claims about their ability to repair my credit and remove negative items from my credit report. I also paid upfront fees for services that did not deliver the promised results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alorica Inc.
State: HI

Complaint narrative:
On XXXX XX/XX/2025, I received an email from Systems & Services Technologies Inc. ( SST ) stating they would be servicing a loan that had been transferred to them from XXXXXXXX XXXX 

I have no relations nor have I ever opened an account with XXXXXXXX XXXX 

SST is currently sending me Emails for " Authorization To Debit Account '' however I have no accounts related to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Formal Complaint Against Experian for Violating the Fair Credit Reporting Act ( FCRA ) Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Experian regarding their handling of my dispute concerning inaccurate information on my credit report. I believe that Experian has violated the Fair Credit Reporting Act ( FCRA ) by failing to address this dispute in a timely and appropriate manner. 

According to the FCRA, credit reporting agencies ( CRAs ) are required to investigate any disputes raised by consumers. However, despite my efforts to resolve this dispute, I have received no adequate response from Experian. This negligence not only undermines my rights as a consumer but also impacts my creditworthiness. 

Furthermore, I wish to highlight another serious FCRA violation where Experian has, without valid justification, deleted a positive account from my credit report. The FCRA mandates that CRAs provide accurate information about a consumers credit history, which includes maintaining positive accounts that reflect my true creditworthiness. Deleting such accounts without reason is unjust and falls short of the compliance standards set by the FCRA. Clearly states account Paid/ Closed/ Never Late I also want to point out that Experians assertion that it takes 30 days to contact a creditor is misleading. Such communication typically occurs in an electronic format and can be executed much more swiftly. Therefore, I find Experian 's delays unacceptable and indicative of a disregard for the law and my rights as a consumer. 

I kindly request that the CFPB investigate this matter thoroughly. I seek a resolution that includes the reinstatement of the positive account on my credit report and appropriate action against Experian for their unlawful practices as mandated by the FCRA. 

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

Sincerely,

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 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$2500.00} To Whom It May Concern : I am writing in reference to the collection account reported on my credit file associated with the account number mentioned above. This account is negatively impacting my credit profile, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to request validation of this debt and to demand that you cease all communication with me regarding this matter. Pursuant to 15 U.S.C. 1692g, I request that you provide the following information to validate this debt : 1. The name and address of the original creditor.

2. A copy of the signed agreement or contract that allegedly obligates me to pay this debt.

3. A complete account history, including all charges, payments, and credits applied to the alleged debt.

4. Documentation showing that you have the legal right to collect on this debt.

Until this information is provided, I demand that this collection account be removed from my credit report as reporting inaccurate or unverifiable information violates 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ). Additionally, under 15 U.S.C. 1692c ( c ), you are hereby notified to cease and desist all communication with me regarding this matter. Any further attempts to contact me will be considered a violation of federal law.

I expect written confirmation that this collection account has been removed from my credit report and that you have ceased all collection efforts.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief