vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX {$33000.00} XXXX XXXX XXXX XXXX {$5300.00}XX/XX/XXXX XX/XX/XXXX XXXX {$1800.00} XX/XX/XXXX XXXX {$2200.00}XX/XX/XXXXXXXX XXXX {$5400.00} has violated my rights. 

15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

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

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 2025-01-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
I have a debt collection but the debt collector doesnt not have my info for the account even tho it shows they own the debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: CA

Complaint narrative:
Inacurate information Reporting on Credit Report. These are the Accounts That I Mark InacurateXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX

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 2025-01-25 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: TX

Complaint narrative:
I sent a letter out on XX/XX/year>2024 CFBP case XXXX to Equifax. However the credit bureau said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to. 

How did they complete this investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Navy Federal Credit Union and multiple of it representatives at ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, Navy Federal Credit Union, XXXX XXXX XXXX XXXX, VA XXXX, throughout XX/XX/XXXX - XX/XX/XXXX engaged in conduct causing damages exceed {$10000.00} and less {$100000.00}. 

Potential mishandling of my private financial information. 
Violation of your bank 's own standards for customer interaction and complaint resolution. 
Engaging in unfair and deceptive practices. 
Negative impact on my credit due to mishandling of my complaint. 
Harassment over a debt or collection of debt. 
Failing to properly handle and document my complaint. 
Inaccurate disclosure of credit card terms. 
Failing to handle my dispute properly, which may include lack of investigation or failure to provide provisional credit. 
Denying assistance based on my financial situation and public assistance status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: LA

Complaint narrative:
1XX/XX/XXXXXXXX 2 . XXXX XXXX XXXX 3. XXXX BOTH ACCOUNTS NOT ACCURATE. 4. XXXX XXXX ALL LATE PAYMENTS ARE INACCURATE!!! 5. ALL HARD INQUIRIES NOT REPRESENTING POSITIVE ACCOUNT REMOVED IMMEDIATELY!!!!!! Removal of all charge offs/collections accounts all inquiries not related to positive accounts and all late payments and all negative reporting closed accounts. Also, anything negative from my credit report IMMEDIATELY!!!!!!!!! Anything reporting as active and not showing in a positive status shall be removed immediately. My next step is to file a Class Action Civil Lawsuit against CFPB and ALL ENTITY 'S involved shall be dealt with accordingly by all Statues of the Law and also all three bureaus if not removed Immediately!!!!!! 

XXXX XXXX : ACCOUNT XXXX XX/XX/XXXX REPORTING WRONG INFORMATION LAST UPDATE XX/XX//2024 : ACCOUNT XXXX XXXX XXXX XXXX XXXX : ACCOUNT XXXX LATE PAYMENTS REMOVED IMMEDIATELY!!! ( TWO ) XXXXXX/XX/XXXX ACCOUNT : XXXX LATE PAYMENTS REMOVED IMMEDIATELY!!!!!!!!! 
XXXX XX/XX/XXXX ACCOUNT : ACCOUNT XXXX XX/XX/XXXX BOTH ACCOUNTS PAID IN FULL STILL REPORTING AS ACTIVE NOT PAID IN FULL AND CLOSED!!!!!!!!! 

TRANSUNION DROPPED MY SCORE BY 50 PIONTS AFTER PAYING OFF LOANS IN FULL FOR {$3500.00} DOLLARS!!!!!!!!!!. 

XXXX DROPPED MY SCORE 54 POINTS FOR PAYING OFF LOANS IN FULL TOWER LOANS!!!. 

IS XXXX NEXT?

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 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, Ga, XXXX XXXX XXXX XXXXXX/XX/XXXX 2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Subject : Cease and Desist Demand Dear Sir/Madam, I am writing to formally demand that you immediately cease and desist all collection efforts related to the account referenced below : Account Number XXXX Despite my request for clarification, I believe your actions violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) and may be causing unwarranted distress. Specifically, sending letters to an address I no longer reside in, causing me to receive this information up to one year late I am hereby notifying you that I do not owe the stated debt, or if I do, I dispute the amount or validity of this debt. Under the FDCPA, I am entitled to request validation of the debt, and I ask that you immediately cease all communication with me until you provide proof of this debt, as well as any relevant documentation supporting your claim. Please consider this letter my official request for debt verification. If you continue to pursue collection efforts without providing adequate validation or continue any harassing actions, I will consider taking legal action to protect my rights and seek all available remedies, including reporting your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. This letter serves as a final warning to cease all attempts at contact, and I expect your immediate compliance. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: WA

Complaint narrative:
I am filing a complaint against Equifax, XXXX, and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax, XXXX, and XXXX 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, their actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure they complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I have marked as inaccurate. I want the following accounts removed : 1 ) XXXX XXXX XXXX, # XXXX 2 XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX 3 ) XXXX XX/XX/XXXX, # XXXX 4 ) XX/XX/XXXX XXXX, # XXXX 5 ) XXXX XXXX, # XXXX 6 ) XX/XX/XXXXXX/XX/XXXX XXXX XXXX Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: FL

Complaint narrative:
I came across the CFPB EXPERIAN LAWSUIT I Believe that I was negatively impacted, Hurting my chances after receiving a response to my earlier dispute that this account was verified

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 2025-01-25 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: IL

Complaint narrative:
Ive been dealing with the effects of unauthorized inquiries from your company on my credit report, and its been a constant source of frustration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
Mohela took over servicing of XXXX private loans. I submitted my School Misconduct Dismissal Application along with proof that I filed for bankruptcy as a result of this predatory lending.

My application was not approved and clearly should have been. The practices they are implementing in deciding on applications is not made known at all and no reasons are given. I clearly qualify for dismissal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: PA

Complaint narrative:
I filed a dispute with chime for a total of {$800.00} my chime account was linked with myXX/XX/XXXX and myXX/XX/XXXX was hacked now chime is telling me oh well I shouldnt have had my card linked to XX/XX/XXXXI sent proof that it wasnt me they ignored this plus when I asked to speak to the investigation team I was told they cant allow that I want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX, a hospital where I received care at on XX/XX/XXXX sent a paid medical bill to a medical debt collection agency, BC Services , Inc., which has contacted me to pay for medical services that have already been paid, including requesting incorrect amounts. On XX/XX/XXXX, I requested a detailed list of charges for the amount stating that I owe by mail or email, and have not received any of the information I have requested.

BC Services , Inc. states I owe {$2000.00} from an XXXX XXXX visit on XX/XX/XXXX at XXXX XXXX XXXX ( XXXX  XXXX XXXX XXXX, XXXX ). 

I confirmed with my medical insurance coverage, XXXX XXXX, that they paid XXXX XXXX XXXX and the out-of-network provider for medical services rendered and that both claims were approved. If there was any amount I owed, it would have been my patient share of {$240.00}, not {$2000.00}. These are the confirmations and check # 's I received to confirm payments have been issued and made. 

Claim # XXXX Date of Service : XX/XX/XXXX Claim Status : Approved Processing Date : XX/XX/XXXX Paid by plan : {$990.00}, Check # XXXX issued to XXXX XXXX XXXX for XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX. 
Services : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Patient total share : {$240.00} Claim # XXXX Date of Service : XX/XX/XXXX Claim Status : Approved Processing Date : XX/XX/XXXX Paid by plan : {$21000.00}, Check # XXXX issues to XXXX XXXX XXXX XXXX XX/XX/XXXX Services : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Patient total share : {$0.00}

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 2025-01-25 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: WA

Complaint narrative:
XXXX XXXX I disputed this account thru Transunion online and apparently it ask me if Im sure I want to dispute this account because its in good standing. Well I should just left it alone and now it reappears as delinquent? First of all I do not know this exact account that is one of the reason I wanted to take out from my credit report even tho it says in GOOD STANDING?? And why did reappear in my credit report. So now Transunion remarks this as a delinquent.

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 2025-01-25 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: CA

Complaint narrative:
I am writing to formally dispute several inaccuracies on my credit report. Despite previous disputes, Experian has failed to address these issues, including the presence of inaccurate personal information and unauthorized accounts. I demand resolution and removal of these inaccuracies within 4 days.

1. Personal Information in Dispute : The following names listed on my credit report are inaccurate and do not belong to me.These names are not associated with me and must be removed immediately. Continuing to report incorrect names is a violation of the Fair Credit Reporting Act ( FCRA ), as it fails to ensure accurate consumer information.

1. Account Details in Dispute : Absolute Resolutions Investments : This account, currently marked as a collection account, is ineligible for reporting. Absolute Resolutions Investments has been banned by the Federal Trade Commission ( FTC ) from participating in any debt collection business under a federal court order. Despite my dispute, Experian has failed to remove this account or provide valid verification of this debt. Continuing to report this banned entitys collection is unlawful and violates FCRA provisions. 
XXXX XXXX XXXX XXXX Despite my dispute, Experian marked this account as verified, but failed to provide documentation of the investigation or any substantive findings. 
XXXX XXXX. Similarly, this account remains inaccurately reported, and no valid proof has been shared to support its accuracy. 
XXXX XXXX XXXX XXXX : This account does not belong to me. I dispute its inclusion in my credit report and request immediate removal as it is inaccurate and unverifiable. 

2. Violations of FCRA and Experians Obligations : Under the FCRA, Experian is required to : Conduct a thorough and meaningful investigation of disputes ( 15 U.S. Code 1681i ).

Remove or correct inaccurate, incomplete, or unverifiable information promptly. 
Notify consumers of dispute resolutions with sufficient clarity. 

Experians continued reporting of these disputed accounts without proper verification, and its failure to correct or remove inaccurate entries, directly violates the FCRA. Additionally, continuing to report a banned debt collector like XXXX XXXX XXXX shows disregard for FTC enforcement and FCRA standards.

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 2025-01-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
on XX/XX/XXXX at XXXX XX/XX/XXXX at XXXXXX/XX/XXXX in New York we placed {$100.00} on an American express prepaid gift card in hopes to purchase XX/XX/XXXXplus. When we first tried to purchase it, it said that we had to wait one hour so we waited one hour for the gift card to be ready to use but every time we try to pay the card would decline. We tried using all security codes that was on the card and researched as much as we could target says the gift cards are not returnable and we would have to sort it out with American Express but nobody answered from American Express only leaving us putting the 15 digit code into the keypad and press, pressing pound. The robot told us it was unusable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-25 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:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XX/XX/XXXXXXXX Account # : XXXX Balance : {$440.00} XX/XX/XXXX XXXX Account # : XXXX Balance : {$340.00} XXXX XXXX XXXX Account # : XXXX Balance : {$680.00} XX/XX/XXXX Account # : XXXX Balance : {$800.00} XXXX XXXX XXXX Account # : XXXX Balance : {$830.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with non-monetary relief