vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: OH

Complaint narrative:
To Whom it may Concern, This is this complaint is submitted Under OHIO LAW U.C.C1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. Here are the accounts : XXXX XXXX XXXXXXXX XXXX XXXX {$3300.00}

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 2025-01-30 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: PA

Complaint narrative:
I would appreciate it if you could swiftly remove the fraudulent entries from my credit report this time since I already file a complaint way back due to this situation, as well as take the necessary steps to correct any inaccuracies or fraudulent activities. I have attached documents from the relevant authorities to support my claims.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted two dispute letters one on XX/XX/XXXX and the 2nd of XXXX this year, XXXX. On those disputes, I listed the following accounts and reasons for disputes ; The following account is not mine and has never belonged to me : XXXX XXXX XXXX Opened on XX/XX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The following account is not mine and has never belonged to me : XXXX XX/XX/XXXX XXXX XXXX opened on XX/XX/XXXX Please remove it from my credit report. 

The following account is not mine and has never belonged to me : XX/XX/XXXX account Opened on XX/XX/XXXX and a balance of {$690.00}. 
Please remove it from my credit report.

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 2025-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
CONSUMER ADJUSTMENT CO ( Original Creditor : MEDICAL ) : XXXX Account Status : Open Payment Status : CollectionOrChargeOff Type : Open Detail : XXXX In Dispute : Y Derogatory : Y

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XX/XX/XXXX Balance : {$0.00} Original Balance : {$0.00} Account Number : XXX Status : Open Date Opened : XX/XX/year>2018 XXXXXX/XX/XXXX Balance : {$0.00} Original Balance : {$0.00} Account Number : XXXX Status : Closed Date Opened : XX/XX/year>2018 2018

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XX/XX/XXXX Balance : {$0.00} Original Balance : {$0.00} Account Number : XXX Status : Open Date Opened : XX/XX/year>2018 XXXX XX/XX/XXXXBalance : {$0.00} Original Balance : {$0.00} Account Number : XXXX Status : Closed Date Opened : XX/XX/year>2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: NC

Complaint narrative:
I have been charged multiple overdraft fees on my account with Navy Federal credit union since 2022. I have requested fees to be refunded but it was denied. They will hold funds as pending for 2-3 days causing overdraft fees. I see that a settlement had been reached but I was not compensated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: FL

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX XXXXXX/XX/XXXX Account Number : XXXX Amount : {$1700.00} Date of Account : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: NY

Complaint narrative:
This morning, I found out that my credit report contains incorrect accounts, and I don't understand why. I routinely check my report, but this time, I noticed discrepancies that werent there before. Hoping it was just a browser issue, I refreshed the page, but the errors didnt disappear. Due to this concern, I am asking for a careful review of the documents I submitted to ensure I wont have to deal with this problem again.

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 2025-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
**Edfinancial Services** Customer Resolutions Unit **Subject : ** Formal Dispute Proof of Ownership and Authority Over my student loan. Dear Edfinancial Services, I am formally disputing your involvement in my student loan account I never borrowed a student loan from Edfinancial, nor have I ever entered into any agreement with your company. Despite this, you continue to report information about this account on my credit file. I demand that you provide me with clear and verifiable proof that you have legal authority over this account. Specifically, I am requesting the following : 1. **Proof of Ownership : ** Documentation that demonstrates Edfinancial is the rightful servicer or owner of this account. 2. **Legal Authority : ** A copy of any agreement, contract, or authorization that legally grants you the right to service this account. 3. **Account Records : ** Any records, statements, or transaction history proving your involvement with this account from its inception. If you fail to provide the requested documentation, your continued reporting and handling of this account will be a clear violation of federal law, including the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. I take this matter very seriously and will escalate my complaint to the highest level of authority, including the additional complaint With the Consumer Financial Protection Bureau ( CFPB ), the U.S. Department of Education, and any other relevant regulatory bodies. Please provide the requested documents within **15 days** of receiving this letter. If you fail to comply, I will take further legal and regulatory action against your company. Sincerely, XXXX XXXX XXXX Social Security XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This morning, I was shocked to find an unauthorized inquiry on my credit report, and I have no idea why its there. I check my report regularly, and this time, out of nowhere, I saw errors that shouldnt be there. I even refreshed my browser, hoping it was just a glitch, but the issue remained. This is completely unacceptable, and I demand that my submitted documents be reviewed immediately so I dont have to deal with this nightmare anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: OR

Complaint narrative:
I changed my first name XX/XX/scrub> 2023. Since then I have disputed my name with equifax multiple times. I provide the documents they request everytime. They state that a drivers license works as id verification so I have uploaded that with every single dispute. For the last 516 days they have responded telling me to upload my drivers license cause apparently they are too lazy to open the driver license photo I already uploaded and they still wont do anything then today they hung up on me after going silent and pretending they werent on the line for 30 minutes. They have had 516 days to fix my name but apparently are too lazy to do the one thing they are required to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I FOUND THAT I WAS A VICTIM OF IDENTITY THEFT AND ASK DELETION OF ALL ITEM

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 2025-01-30 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 do not recognize the negative accounts appearing on my credit

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 2025-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am submitting this complaint regarding an issue that occurred with my Capital One account due to a system glitch during the week of [ XXXX ] XXXX. 

My automatic payment of {$460.00} was scheduled for XX/XX/XXXX. However, the Capital One online portal indicated that transactions were not being processed due to a system issue. Concerned about a potential delay, I manually submitted a payment of {$460.00} on XX/XX/XXXX, opting to cancel the automatic payment to prevent a duplicate charge. 

Despite this, on XX/XX/XXXX, Capital One processed both the automatic and manual payments, resulting in a total withdrawal of {$930.00} from my account. This caused my account to overdraft and led to {$270.00} in non-sufficient funds ( NSF ) fees. 

I contacted Capital One, and while they offered to reverse one of the payments, they refused to reimburse the NSF fees, despite the issue stemming from their system error. This has placed me in a severe financial bind, and I can not afford to take this loss due to their technical malfunction. 

I am requesting that Capital One fully resolve this issue by reimbursing the {$270.00} in NSF fees incurred due to their system failure. I appreciate your assistance in helping me rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Remove these accounts and remarks from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See attached 1099C from IRS income can not reported on a consumers credit report

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 2025-01-30 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: VA

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 explanation
Consumer complaint received 2025-01-30 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 HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
I AM LIVID! I AM LITERALLY IN THE PROCESS OF MAKING A BIG PUECHASE WITH MY CREDIT AND XXXX XXXX HAS REPORTED INACCURATE INFORMATION TO MY CREDIT REPORT AND THEY WILL NOT FIX IT THE REP WHO WAS SO UNHELPFUL AND OVERSPEAKING ME AND PRETTY MUCH TELLING ME IM A LIAR TOLD ME I NEEDED TO MAIL IN DOCUMENTS TO HAVE IT FIXED. XXXX XXXX OFFERS XXXX XXXX ITS EVEN REPORTING THERE THEY REPORTED MY ACCOUNT IS ALMOST MAXED OUT WHEN MY STATEMENT CLOSED AT XXXXXXXX XXXX THIS NEEDS TO BE FIXED ASAP. THEY ARE PROVIDING ALL THREE CREDIT REPORTING AGENCIES INACCURATE INFORMATION INCLUDING THEIR OWN REPORTING. THIS NEEDS OT BE FIXED THEY ARE DOING THIS BECAUSE I AM XXXX AND THEY DONT EXPECT ME TO PAY ATTENTION TO MY CREDIT.

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 2025-01-30 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: GA

Complaint narrative:
I AM LIVID! I AM LITERALLY IN THE PROCESS OF MAKING A BIG PUECHASE WITH MY CREDIT AND XXXX XXXX HAS REPORTED INACCURATE INFORMATION TO MY CREDIT REPORT AND THEY WILL NOT FIX IT THE REP WHO WAS SO UNHELPFUL AND OVERSPEAKING ME AND PRETTY MUCH TELLING ME IM A LIAR TOLD ME I NEEDED TO MAIL IN DOCUMENTS TO HAVE IT FIXED. XXXX XXXX OFFERS XXXX XXXX ITS EVEN REPORTING THERE THEY REPORTED MY ACCOUNT IS ALMOST MAXED OUT WHEN MY STATEMENT CLOSED AT XXXX XXXX THIS NEEDS TO BE FIXED ASAP. THEY ARE PROVIDING ALL THREE CREDIT REPORTING AGENCIES INACCURATE INFORMATION INCLUDING THEIR OWN REPORTING. THIS NEEDS OT BE FIXED THEY ARE DOING THIS BECAUSE I AM XXXX AND THEY DONT EXPECT ME TO PAY ATTENTION TO MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: GA

Complaint narrative:
I AM LIVID! I AM LITERALLY IN THE PROCESS OF MAKING A BIG PUECHASE WITH MY CREDIT AND XXXX XXXX HAS REPORTED INACCURATE INFORMATION TO MY CREDIT REPORT AND THEY WILL NOT FIX IT THE REP WHO WAS SO UNHELPFUL AND OVERSPEAKING ME AND PRETTY MUCH TELLING ME IM A LIAR TOLD ME I NEEDED TO MAIL IN DOCUMENTS TO HAVE IT FIXED. XXXX XXXX OFFERS XXXX XXXX  ITS EVEN REPORTING THERE THEY REPORTED MY ACCOUNT IS ALMOST MAXED OUT WHEN MY STATEMENT CLOSED AT XXXX XXXX THIS NEEDS TO BE FIXED ASAP. THEY ARE PROVIDING ALL THREE CREDIT REPORTING AGENCIES INACCURATE INFORMATION INCLUDING THEIR OWN REPORTING. THIS NEEDS OT BE FIXED THEY ARE DOING THIS BECAUSE I AM XXXX XXXX THEY DONT EXPECT ME TO PAY ATTENTION TO MY CREDIT.

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 2025-01-30 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: NC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a 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 notifying consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor 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 Experian 's inaction violates federal law 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 2025-01-30 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

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