vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 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:
Ive been working hard on my credit, but I just noticed that the account XXXX XXXX XXXX XXXXXXXX With number XXXX is showing up as CollectionOrChargeOff on my report. You listed it as opened on XXXX with the last activity on XXXX, but I know thats not true.This mistake is really making it hard for me to reach my goals, like qualifying for a loan or getting a better interest rate. Please remove this account and provide proof of the {$1600.00}, since I definitely dont owe it. Also, see the image above for XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: NY

Complaint narrative:
I recently checked my credit report and saw that I have multiple delinquent accounts on my Experian credit file that do not belong to me. I reached out to the creditor and immediately had these accounts closed. I recently sent Experian an FTC report with an Affidavit stating I never authorized these accounts and they do not belong to me. I am also uploading the documents here on the CFPB website.

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 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: TomoCredit Inc.
State: TX

Complaint narrative:
This company promotes assistance with credit reporting to assist consumer with improving overall credit score. However, my account with this company has been open well over a year and they have yet to deliver the service. I have attempted multiple times to request to cancel the subscription and they continue taking the monthly fee of {$8.00} from my checking account for a service they are not providing. It has never once been reported to the credit bureaus, the service I paid for. This company obviously is a fraud and WILL not comply with consumers request to cancel. They also said if I cancel, it would impact my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/XXXX I received an alert from XXXX of changes to my credit report stating a delinquent account. After looking into this it came to my attention that Affirm INC put inaccurate information on my credit report stating that a payment was 30 days late. I filed a dispute with XXXX because of this inaccurate information and I included documents showing proof that all payments were made and never paid pass 30 days. The proof and attached documents I submitted came directly from my Affirm account which shows the date every payment was paid and submitted to the company as my proof. I received an email on XX/XX/XXXX saying the company has certified to XXXX that the information is accurate, and the item was not changed as a result of our processing of your dispute. I provided proof of all payments and it seems that XXXX did not do a proper investigation and is allow Affirm Inc to put false and inaccurate information on my credit report and tarnishing my credit score to potential lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FirstPoint Collection Resources
State: VA

Complaint narrative:
I wrote and mailed a certified letter to request verification of the debt referenced in your records. On XX/XX/year>, I reached out regarding this matter ; however, I have yet to receive any formal verification of the debt in question. 

As I have not received any substantiating documentation, I am requesting that this debt be removed from my credit report. Failure to provide verification within the time frame allowed by law will compel me to take further action. 

Please treat this matter with urgency and provide a prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-02-01 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: OH

Complaint narrative:
Based on the information provided on Equifaxs website, my personal information was impacted in Equifaxs data breach. After reviewing my credit report, Ive located several false reports of accounts, inquiries, collections, etc. I am unable to file for the settlement ; however, I am requesting a thorough review of my credit report and any inaccuracies or fraudulent accounts should be removed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I deposit a check, {$6800.00} on XX/XX/year>, and the bank place a withhold on the check until XX/XX/year>. Please see the expiration date on attachment. 

However, it's still unavailable today, XX/XX/year>. 

Also I just called the customer service to ask why they over-withhold my fund. The customer gave a reason that they still verify the fund. That's the lie and fail to disclose the true reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Pursuant to 15 USC 1681b, my personal information can not be furnished without my authorization. Additionally, under 15 USC 1681c-2, any account resulting from identity theft should not be reported. Given that I am a victim of a data breach, I believe this account is fraudulent and should be immediately removed from my credit report.

I have included supporting documentation from the creditor confirming my claim, along with evidence of the data breach. Reporting false information violates the Fair Credit Reporting Act ( FCRA ), and I trust that XXXX will address this matter with urgency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX AUTO - XXXX XXXX - XXXX XXXX - XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-01 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: PA

Complaint narrative:
In XXXX, 2024 I sent Caine & Weiner a Certified Letter requesting " Debt Validation '', of my supposed debt being report on my credit report by this company. I waited over the allotted 30 days prescribed by the F. D.C.P.A.I then sent a second Debt Validation Request in XXXX, 2024. After both of these Certified request went unanswered, I called this company. They gave me the run around. EVEN THOUGH THEY ACKNOWLEDGED RECEIPT OF THESE LETTERS. They just transferred me from person to person. Department to department with no one knowing or being able to tell me why my Debt validation request had not been responded to. Thus this company has been in total violation of the F.D.C.P.A.. from the very beginning.. 
This company is in violation of F.D.C.P.A. Section 809 B. Whereas " They must send a dunning letter to the customer. This customer never received any such letter from Caine & Weiner.

This Company is in violation for not responding to not one, but two Debt Validation Request. Neither were answered. ( See Enclosed )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Block, Inc.
State: IN

Complaint narrative:
It was Cash app. They never provided it. A way that you could get in contact with a live person. My account was being hacked. They took over {$800.00} out of my account and I was trying to get in touch with someone about that. They always want you to do chat no you need to speak with a live person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
I tried to open the XXXX service with Discover bank. However they always refuse me with confidential reason and never let me know ( non-disclosure ). It's suspicious. 

Also I already called the customer service for over 10 times to try to resolve this issue for a few years. 

I'm a client with Discover bank for over 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
A borrower Defense application was made in XXXX. It was approved for fraud by school. They received my student loans and, they also received my pell grants. 
The school applied the loans I signed over to the school to tuition. As they stated they collect any first money received. The loan was take in a different name XXXX XXXX XXXX. 
The loans originally was given from XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attempted to dispute the loan for identity theft/fraud since I became aware they also received my pell grant money. XXXX, XXXX, and Tranunion continued to report XXXX XXXX XXXX on my reports. 
The Loans were removed once for a few months only to re-report the XXXX ( XXXX ) loans. 
These tactics to a low income pell grant approved person has caused XXXX ( XXXX ) years of paying over XXXX ( XXXX ) XXXX dollars a month for over XXXX ( XXXX ) years. I continue to to pay multiple small loan/credit cards, to even access money I needed. My children and family have been caused poverty even though, I have XXXX ( XXXX ) XXXX percent payment history without fraud that been reported and, re-reported for XXXX ( XXXX ) years. I have notarized recorded documents in XXXX XXXX from around XXXX. Along with much more. 

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
Consumer complaint received 2025-02-01 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear experian I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

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 2025-02-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-01 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:
XXXX XXXX XXXX Account number XXXX Balance {$29000.00} Open date XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance {$230.00} XXXXXXXX XXXX Account number XXXX Balance {$5500.00} Date opened XX/XX/XXXX Date closed XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Balance {$9900.00} Date opened XX/XX/XXXX Date closed XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XXXX XXXX XX/XX/XXXX I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( account name, account number ) In accordance with The Fair Credit Reporting Act, Public law 91-506, 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 send me an updated copy of my credit report after your reinvestigation.

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 2025-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: WI

Complaint narrative:
My loan was paid off XX/XX/XXXX and I received a paper stamped lien release then. In XX/XX/XXXX I went to sell my vehicle and Wisconsin law had changed to only electronic lien release. DMV told me that Nissan should be able to do in minutes. I called Nissan on XX/XX/XXXX 2 times. Called XX/XX/XXXX XXXX times, XX/XX/XXXX, XX/XX/XXXX ( that was the first time I was able to speak to supervisor ), XX/XX/XXXX 2 times. In all of those phone calls, I never once got a straight answer. I still dont have the release. I begged several times to talk to supervisors and I was denied. I was lied to multiple times, athird with, misled and felt I was treated very poorly. I was not given any explanations or time frame even after I explained that I was moving out of state and was on a strict timeframe. I was also in contact with WI DMV who were appalled that Nissan was not taking care of this and the DMVs only solution was that I would have to take Nissan to court to get the lien released that was already done almost a year ago, just now need electronically. I still have no resolution and lost the sale of my vehicle due to their negligence and incompetence therefore costing me {$17000.00} and a whole lot of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I have never lived at these addresses or work for these companies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I have never lived at these addresses or work for these companies

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 2025-02-01 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: PA

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 requested investigation into my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation