vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax continues to not comply with federal law after multiple attempts to resolve with them directly. Equifax misconduct violates the following federal laws : Failure to Reinvestigate Disputes ( FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ) Equifax is required to conduct a reasonable reinvestigation of disputed information. Instead, they have blindly verified inaccurate data without providing any legal proof of validation as required by law.

Reporting Inaccurate or Misleading Information ( FCRA 15 U.S.C. 1681s-2 ( a ) ) The law prohibits credit bureaus from reporting false, unverifiable, or misleading information. You continue to report false late payments, collections, and incorrect remarks on discharged bankruptcy accounts.

Unlawful Reporting of Bankruptcy Discharged Accounts ( FCRA 15 U.S.C. 1681c ( a ) ( 1 ) & 11 U.S.C. 524 ( a ) ) It is illegal to report accounts discharged in bankruptcy in a misleading way. You are falsely reporting late payments, charge-offs, and remarks such as Closed by Creditor on accounts that were legally discharged.

Failure to Verify Debt Before Reporting ( FCRA 15 U.S.C. 1681b & 1681s-2 ) I never consented to certain furnishers, including XXXX XXXX XXXX XXXX and XXXX XXXX reporting on my credit file. You are required to provide legal proof of verification before including these debts in my report. 

Also to add, XXXX illegally uses another company as a collection agency and list their company XXXX XXXX as the furnisher when that is not correct. IF you call XXXX regarding the account in question, they state they do not own the account and are not able to assist with anything regarding that account directing to a third-party. 

The Consumer Financial Protection Bureau ( CFPB ) is actively investigating credit bureaus for failing to conduct lawful investigations regarding the situations I have outlined above. Equifax must comply with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
The XX/XX/XXXX statement showed that our mortgage company has setup an escrow account without any warning! 

We are still trying to correct our mortgage statement since. The last correct statement was on XX/XX/XXXX. 

After calling them and asking about it on XX/XX/XXXX ( talked with rep. XXXX ). They said that correcting error should be done by the XXXX by the escrow department. 

XX/XX/XXXX - We called customer service again. The rep. said that we need to send in proof of insurance " again '', and that we pay own property taxes. Would open a case. 

We received a check in our mail from NewRez to reimburse the escrow ( {$750.00} posted on XX/XX/XXXX ) apparently in error. 

We returned ( paid ) it back to NewRez ( {$750.00} posted on XX/XX/XXXX ) Negligence or deliberate effort to purchase a home insurance and require an escrow account? 

We need a human intervention to reconcile our statement.

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 2025-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
Personal property was repossessed without notice, interest rate incorrect, World Omni Corp dba XXXX assigned contract to *itself * ( XXXX XXXX XXXX XXXX ), Promissory note was taken, car used as collateral, fraud involving signatures of buyer/co-buyer, Adverse Action ( repossession ) XXXX XXXX XXXX  XXXX Skip-tracing violation, personal information given to third party ( towing company ). 
The company contract is different from my original contract. 
These companies are violating the RICO ACT, this is organized crime!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: ND

Complaint narrative:
Experian has failed to fulfill its legal obligations under the FAir Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The COnsumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed information outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence i provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

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 2025-02-13 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:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-13 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I am writing to dispute an inaccurate charge-off that appears on my credit report. According to 15 U.S.C. 1681i, as part of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is inaccurate, and the credit reporting agency is required to conduct a reasonable reinvestigation to verify the accuracy of the disputed information.

Here is the relevant section of the law for your reference : 15 U.S.C. 1681i : This law mandates that credit reporting agencies must investigate and correct inaccurate or incomplete information on a consumers credit report within 30 days of receiving a dispute.

In addition, the presence of this incorrect information also violates other consumer protection laws, including : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

This charge-off is inaccurate and is causing significant damage to my credit report and financial standing. Therefore, I kindly request that TransUnion conduct an investigation and remove the charge-off from my credit report.

To support my request, I have attached copies of my identification and proof of address. Once the correction has been made, please send me a copy of my updated credit report reflecting the removal of the inaccurate information.

Thank you for your prompt attention and assistance in resolving this matter. 

Sincerely, XXXX 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 2025-02-13 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: KY

Complaint narrative:
My rights enacted by the FRCA, FBCA and Privacy Act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to optout of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. I will take this to federal court to seek the highest claim of the Federal Reserve Act Section 29.

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 2025-02-14 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-13 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: AZ

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : 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 explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: PA

Complaint narrative:
I had a line of credit with XXXX XXXX. I secured a low-interest loan through a local lender who sent a payment of {$71000.00} to XXXX XXXX XXXX XX/XX/XXXX. XXXX cashed the check, but didn't apply it to my account until XXXX. They retroactively applied the payment to XX/XX/XXXX to stay within their XXXX business days of applying the payment. However, since it took so long for them to apply the payment, I made a monthly payment, thus reducing my balance owed, and now I am owed an overpayment of over {$3000.00}, as confirmed by multiple customer service representatives. I was told that my refund would be electronically sent back to the same bank account that was used the entire time. This was all fine. However, I have yet to receive the overpayment for a payment that was mailed initially on XX/XX/XXXX. It is XX/XX/XXXX. 

I've called three times in two weeks to inquire about when I would receive my overpayment back to my account. First, I was told 3-5 business days, so I waited 5 business days. Last week, I called and was told that my overpayment was requested on XX/XX/XXXX, and it would take 10-14 business days. I asked what date the XXXX business day was, and I was told it was XX/XX/XXXX. I still don't have my overpayment returned to me, so I called again today. The overpayment is back in some sort of " loop, '' said the representative, so now I may have to wait another 3-5 business days to hope that I get the {$3000.00} that is owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: PA

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  Reference # : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 explanation
Consumer complaint received 2025-02-13 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: CO

Complaint narrative:
I receive updates on credit account through creditwise by XXXX XXXX. They reported potential activity recently. However, Experiaon is refusing to give me access to an online account and credit report. I am unable to see what is being reported. So I need to make this statement. Anything after XX/XX/year>, or after XXXX XXXX is unauthorized. I request a report be sent to me and that the account be blocked and any inquiries or credit account setups be removed as I have no idea what's there after XXXX XXXX and I did not authorize anything else.

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 2025-02-13 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: CO

Complaint narrative:
I receive updates on credit account through creditwise by XXXX XXXX. They reported potential activity recently. However, Experiaon is refusing to give me access to an online account and credit report. I am unable to see what is being reported. So I need to make this statement. Anything after XX/XX/year>, or after XXXX XXXX is unauthorized. I request a report be sent to me and that the account be blocked and any inquiries or credit account setups be removed as I have no idea what's there after XXXX XXXX and I did not authorize anything else.

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 2025-02-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
The XXXX XXXX  has sent my account into the red more than XXXX on multiple occasions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: Nelnet, Inc.
State: TX

Complaint narrative:
My personal and financial information was compromised without my authorization.

the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CL Holdings LLC
State: SC

Complaint narrative:
I purchased a bedroom set from XXXXXXXX XXXX XXXXXXXX 's XXXX XX/XX/year>. Between XXXX and XX/XX/year> when examining the furniture I discovered cracks in the headboard on both sides and on the side of the mirror in the wood was cracks and discoloration on the headboard and footboard and the dresser has scratches also. I called the store and sent pictures to the manager of the store and he said at that time to call the home office which I did and they told me I had to deal directly with the manager. At that time I visited the store and took pictures and the manager said for me to pick out another bed room set at that time, I did. But then when I went back a week later, the manager stated he checked with his regional manager and was told his hands were tied, he could not do anything about it and could not change it and didn't have another bed set and didn't have anyone to take the bedroom furniture down and he wanted me to take it down and bring it back to the store and I refused to do it. It was not my responsibility. I am a XXXX XXXX XXXX and did not have the help or finances to move the furniture. I called the insurance because this furniture is still under warranty and they will not honor the warranty and I called the home office, and all the stores that were located in XXXX  and XXXX  and no one would do anything about this furniture. I purchased before XXXX sold the company to XXXX, after I purchased the furniture I learned they sold it to XXXX and XXXX filed bankruptcy, so I still have the furniture and I am not paying this bill for damaged furniture and now this is on my credit which I hope this can be removed from my credit. I did pay {$500.00} on the account already. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: MD

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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