vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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: IL

Complaint narrative:
Account Name : Department of Education/XXXX Account Number : XXXX Balance : {$2100.00} Inaccuracy : This account was inaccurately reported as late payments between XX/XX/XXXX - XX/XX/XXXX, which is incorrect. My records show that the account was placed in forbearance status during that period, and no payments were due. The reported delinquency is completely erroneous and in violation of the FCRAs accuracy requirements. 

Account Name : Department of EducationXXXX Account Number : XXXX Balance : {$1300.00} Inaccuracy : This account was inaccurately reported as late payments between XX/XX/XXXX - XX/XX/XXXX, which is incorrect. My records show that the account was placed in forbearance status during that period, and no payments were due. The reported delinquency is completely erroneous and in violation of the FCRAs accuracy requirements. 


The reported late payments on these accounts are inaccurate and unverifiable. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the FCRA, the credit reporting agency is required to conduct a reasonable reinvestigation of disputed information. If the furnisher ( loan servicer ) is unable to provide 100 % verifiable proof that the reported late payments are accurate, then under 15 U.S.C. 1681e ( b ), the inaccurate information must be removed immediately as it violates the FCRAs requirement that all reported information be complete and accurate.

Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information that they know or have reasonable cause to believe is inaccurate. Since I have already contacted the loan servicer and they have refused to correct this error, the burden now lies with the credit bureaus to ensure that this inaccurate reporting does not continue.

If a credit bureau can not verify the disputed late payments with documented proof, the law requires that the inaccurate information be deleted immediately. The failure to do so is a willful violation of the FCRA and could subject the bureau to legal consequences under 15 U.S.C. 1681n and 1681o.

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 2025-02-08 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:
I am submitting this complaint to formally dispute inaccuracies in my credit report and to seek compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further supported by the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which highlights Experians failure to adequately investigate consumer disputes and its improper reinsertion of inaccurate information into consumer reports. 

The following inaccuracies in my credit report require immediate correction or removal : CHILD SUPPORT ENFORCEM XXXX Balance : {$280.00}

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 2025-02-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Complaint : Dispute of Inaccurate Reporting and Request for Validation Failure to Issue 1099-C Subject : Dispute of Inaccurate Reporting and Request for Validation Failure to Issue 1099-C Dear Consumer Financial Protection Bureau ( CFPB ) , I am writing to formally dispute the reporting of a collection account associated with Experian, Equifax, and TransUnion on my credit report. I believe the reporting of this debt is inaccurate and does not comply with applicable federal regulations. These items were purchased by a third-party debt collector, but the information on my credit report does not reflect the correct status, amount, or details of this account.

Inaccurate Reporting : The reported debt shows an incorrect balance, and it reflects amounts that do not align with the agreement made with the third-party debt collector. This debt was settled for less than the amount owed, but the credit reports from Experian, Equifax, and TransUnion do not reflect this. As a result, the information reported is not accurate and violates the Fair Credit Reporting Act ( FCRA ), which requires complete and accurate reporting.

Failure to Issue 1099-C : The collection agency failed to issue a 1099-C for the debt that was settled for less than the owed amount. I am unaware of the exact amount the collection company paid for this item, and my credit report does not reflect such amounts. The failure to issue the 1099-C or report accurate information about the settled amount is a clear violation of the FCRA.

I have attached a copy of my credit reports with the discrepancies highlighted for your reference.

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 2025-02-08 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:
Complaint : Dispute of Inaccurate Reporting and Request for Validation Failure to Issue 1099-C Subject : Dispute of Inaccurate Reporting and Request for Validation Failure to Issue 1099-C Dear Consumer Financial Protection Bureau ( CFPB ) , I am writing to formally dispute the reporting of a collection account associated with Experian, Equifax, and TransUnion on my credit report. I believe the reporting of this debt is inaccurate and does not comply with applicable federal regulations. These items were purchased by a third-party debt collector, but the information on my credit report does not reflect the correct status, amount, or details of this account.

Inaccurate Reporting : The reported debt shows an incorrect balance, and it reflects amounts that do not align with the agreement made with the third-party debt collector. This debt was settled for less than the amount owed, but the credit reports from Experian, Equifax, and TransUnion do not reflect this. As a result, the information reported is not accurate and violates the Fair Credit Reporting Act ( FCRA ), which requires complete and accurate reporting.

Failure to Issue 1099-C : The collection agency failed to issue a 1099-C for the debt that was settled for less than the owed amount. I am unaware of the exact amount the collection company paid for this item, and my credit report does not reflect such amounts. The failure to issue the 1099-C or report accurate information about the settled amount is a clear violation of the FCRA.

I have attached a copy of my credit reports with the discrepancies highlighted for your reference.

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 2025-02-08 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-08 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: GA

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 2025-02-08 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: OH

Complaint narrative:
I have been disputing accounts between all 3 major credit bureaus. Some of the time and investigation is never even completed, just states there was one and was settled the very next day after disputing, stating information is correct. This makes no sense because, for example, I have disputed main accounts for credit cards with invalid information and had that account removed, however the collection account associated with that account that also has inaccurate information gets left!

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 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I supplied Capital One with payment coupons to pay and clear the DEBTS that I owed. This company REFUSED to accept these payment coupons as PAYMENT and also REFUSED to RETURN them to me as I requested if they ( payment coupons ) was not accepted as payment. This action by this company have HARMED my credit report and score with ALL 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

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 2025-02-08 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: TX

Complaint narrative:
I have multiple thing on my credit that I have no clue where they came from.

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 2025-02-08 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: TX

Complaint narrative:
I have multiple thing on my credit that I have no clue where they came from.

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was a victim of identity theft and also Equifax data breach.

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 2025-02-08 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: IL

Complaint narrative:
I was a victim of identity theft and also Equifax data breach.

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 2025-02-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I was late on payment 1 month. I made the payment and asked to have the fee waived. 4 months later they have charged me 4 more additional late fees. I asked to close the account and was told no and I had to pay the total amount due and then they would close the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
This account was misleading from the beginning. I believe I was took advantage of and mislead. There was a lawsuit established for this company for lending. I was not shown any of this when first being offered this illegal car loan. The balance as you will see NEVER goes down eve after paying over XXXX month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

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 2025-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a veteran fully covered by XXXX  XXXX. This debt does not belong to me.

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 2025-02-08 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: AL

Complaint narrative:
XX/XX/XXXX XXXX XX/XX/XXXX 15 U.S.C. 1681 letter is a request to a credit reporting agency ( CRA ) to investigate and correct inaccurate information on a consumer 's credit report. This request is made under the Fair Credit Reporting Act ( FCRA ).

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 2025-02-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing regarding my account with XXXX I acknowledge that the account was charged off Due to fraud and my information being exposed and compromised multiple account was opened and created in my name including XXXX account To help resolve this issue, I am requesting that you review the account history, provide any supporting documentation for the disputed transactions, and begin the process of investigating potential fraud. I am committed to working with you to ensure that this account is properly resolved, and any incorrect or fraudulent charges are removed. 
Please advise on the next steps in this process and let me know how I can assist in resolving this matter as quickly as possible

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 2025-02-08 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: TX

Complaint narrative:
I am writing regarding my account with XXXX I acknowledge that the account was charged off Due to fraud and my information being exposed and compromised multiple account was opened and created in my name including XXXX account To help resolve this issue, I am requesting that you review the account history, provide any supporting documentation for the disputed transactions, and begin the process of investigating potential fraud. I am committed to working with you to ensure that this account is properly resolved, and any incorrect or fraudulent charges are removed. 
Please advise on the next steps in this process and let me know how I can assist in resolving this matter as quickly as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: FL

Complaint narrative:
I am writing to formally request the removal of an item from my credit report due to non-compliance with FCRA guidelines. The information in question fails to meet the standard for accuracy as outlined by the Fair Credit Reporting Act.

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am disputing incorrect reporting of charge -off accounts because non compliance with FCRA and IRS Regulations.

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 2025-02-08 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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