vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX 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 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 XXXXXX/XX/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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under 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 XXXX, alleging systematic issues such as failure to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, cause ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inactions violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: RI

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2025 Dear Sir/Madam, I am writing to formally dispute certain information on my credit report, which I obtained from your agency. Under **15 U.S.C. 1681 ( o ) **, I am entitled to dispute inaccuracies and request that you promptly investigate the matter. 

The specific item ( s ) I am disputing is/are listed below : **Disputed Information : ** - **Account Name : ** [ Insert name of creditor or entity reporting ] - **Account Number : ** [ Insert account number ] - **Description of the Discrepancy : ** [ Explain the issue e.g., account reported as late when it was paid on time, account marked as open when it was closed, etc. ] I have enclosed relevant documentation that supports my dispute, including [ e.g., payment records, account statements, correspondence with the creditor, etc. ], which show that the information reported is inaccurate or incomplete. 

As required by law, I request that you investigate this matter and correct or remove the inaccurate information from my credit report within 30 days. I also request that you notify me of the results of your investigation. 

Please confirm receipt of this dispute and provide me with updates on the status of the investigation. 

Thank you for your prompt attention to this matter. I look forward to your timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
File for hardship based on no source of income during the time of alleged debt. Unaware of original collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: GA

Complaint narrative:
They have my student loan as XXXX amount then they gave my student loan to another student loan company now they trying to get money from me. Thats not right at all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
The schools that I went to have been closed down for over 15 years and they were under investigation for fraudulent activities I didnt receive my degree because my program was no longer accredited. Also these student loans are on my credit report without my permission I would like them taken off asap

Company response to consumer: Untimely response
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Foris DAX, Inc.
State: TN

Complaint narrative:
I have over {$6000.00} in crypto that I purchased from crypto.com. I am unable to access my crypto because I can not get back inside my account. I have reached out to the technical support and still no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
The company never have gave me any validation of any of the debt.. disputes supposed to be 30 days ..when I dispute it come back in 2 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: CL Holdings LLC
State: SC

Complaint narrative:
The company never have gave me any validation of any of the debt.. disputes supposed to be 30 days ..when I dispute it come back in 2 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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. Best Regards, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It has come to my attention. My personal information has been exposed in the XXXX XXXX XXXX reviewing my credit reports I noticed some accounts I am unfamiliar with. I have asked the CRA 's for validation of debt however, the information has not been provided due to my information being exposed, I have submitted a FTC complaint reporting the info. I am not familiar with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: IL

Complaint narrative:
It has come to my attention. My personal information has been exposed in the XXXX XXXX XXXX reviewing my credit reports I noticed some accounts I am unfamiliar with. I have asked the CRA 's for validation of debt however, the information has not been provided due to my information being exposed, I have submitted a FTC complaint reporting the info. I am not familiar with.

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 2025-01-29 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: MS

Complaint narrative:
Transunion has failed to fulfill it legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable abounds unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filled a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences, where, Transunion 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 disputed accounts, as Transunion inaction violates federal law and may 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 non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am reaching out in concerns on a matter with a loan that I did not go through with. In 2007 I went to see about going to XXXX XXXXXXXX XXXX XXXX. The financial aid company wanting me to repay a loan I never used is XXXX. I filled out paperwork but never attended. I have been stuck with a student loan that has affected my credit score and have been harassed by debt collectors such as XXXX. Before it was XXXX it was XXXX XXXX. This school has been previously closed down almost 10 years ago due to fraudulent activities dealing with there student loans

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ). 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CRPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that Ive marked inaccurate : 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 2025-01-29 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX XXXX XXXX - XXXX Listed below are the Personal Information that are beings required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: ENOVA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
After reporting this fraud that simply pumps out application denial after application denial after I've reported ID theft to them, sent the police report ( s ), a notice to furnisher, my identitytheft.com report, and CFPB complaint numbers XXXX XXXX and XXXX I just received an email from them ( XX/XX/XXXX at XXXXXXXX XXXX mst ) that they acknowledge what I've reported, apologize for the impact it has had on my life, and let me know that they do not remove credit inquiries after they have fraudulently created 17 since XX/XX/XXXX. They mention that once I sign something, etc... .only I have never signed anything, and have been asking them to stop processing multiple applications since XX/XX/XXXX. 

Violation of the FCRA which I have passed to the team at XXXX, has still gone ignored as this fraud seems to think that they create the rules governing credit reporting. They also offer me advice as if they know anything at all about anything, instead of the racketeering, fraud that they are. 
They also continue to reference the same number in all of their emails, which started as an application number and is now referred to as an account number. Which I have no access to. 
Email attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Dear Synchrony Bank, I am writing to formally dispute the reporting of my settled Synchrony Bank account and to request its removal from my credit report. I am also requesting the issuance of a 1099-C form, as required by IRS regulations . 

Facts of My Settlement : Original debt : {$1600.00} Settlement payment : {$670.00} Forgiven amount : {$1000.00} ( exceeding the {$600.00} IRS reporting threshold ) Requests for Resolution : Remove This Account from All Credit Bureaus : The account has been closed and settled, and the remaining balance was written off. Given that there is no outstanding balance or financial obligation, I request that Synchrony Bank removes this trade line from my credit report with all major credit bureaus, including XXXX, XXXX, and XXXX. 
Additionally, I request that it be removed from any third-party reporting services such as XXXX XXXX to ensure the account no longer impacts my credit standing. 
Many creditors offer goodwill deletions in cases like this, and I ask Synchrony Bank to do the same. 
Issue a 1099-C Form for the Forgiven Amount : Since the amount forgiven was $ XXXXwhich exceeds the {$600.00} reporting threshold under IRS Section 6050PXXXXXXXX XXXX is required by law to issue a 1099-C and report the cancellation of debt to the IRS. 
I request confirmation of when this 1099-C will be sent to both me and the IRS.

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 2025-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC
State: HI

Complaint narrative:
I brought a XXXXXXXX XXXX XXXX on XX/XX/XXXX but westlake financial seems to have taken advantage of because my interests rates rate is 22.19 % for 72months and that is too much for a XXXX especially a used one. My payments are {$530.00} a month and they claim they can not refinance. This is very frustrating as I do not make much money. My interest rate needs to be lower or I will sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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:
I filed a dispute on XXXX XXXXXXXX due to an unauthorized account. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company experian.They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a car. Experian violates my rights as a consumer, as well as federal laws.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: MI

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