vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 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: ME

Complaint narrative:
I made a student loan payment in the amount of {$550.00} on XX/XX/year> through XXXX. I was then sent a confirmation through my email that my payment had successfully gone through. When I logged back into my account today ( XX/XX/year> ) it told me that the last payment had been reversed. I personally did not reverse it nor did I give anyone permission to reverse it. I then contacted XXXX to ask them why my payment was reversed, and I was told that they do not reverse anything on their end, and it had to be because my bank account information was entered incorrectly or that I had insufficient funds in my account. Neither of these are an option for me because I did in fact confirm that my bank information was entered correctly and that I did have more than enough funds in my account to make the payment. They also said that my bank could have denied the payment, but I know this isn't an option either because my bank always has called me to let me know if they are canceling a payment I made, and I never received a call from them for this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: Early Warning Services, LLC
State: PA

Complaint narrative:
I am disputing the continued and unjustified reporting of XXXX XXXX XXXX account XXXX on my consumer report. As a victim of the XXXX XXXX data breach, my personal information, including my Social Security number and financial details, was compromised, leading to unauthorized activity in my namenone of which I approved or had any control over. Given that this was the direct result of a well-documented security failure, it is unacceptable that I am still dealing with the consequences while this account remains on my report. 

For reference, my Consumer ID is XXXX, and my Drivers License Number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: CA

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the XXXX-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the XXXX-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

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 2025-03-14 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:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX  XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: A.L. Babbs and Associates, LLC
State: IN

Complaint narrative:
My social security number was used in conjunction with my first name

Company response to consumer: Untimely response
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My social security number was used in conjunction with my first name

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 2025-03-14 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$1100.00}

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 2025-03-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Lendmark Financial Services
State: PA

Complaint narrative:
The company seized my XXXX XXXX  account without prior notice that it was going to be done. My check was held on XXXX the day before I was to be paid due to being 90 days past due. I was not aware of the XXXX rate nor the excessive amount of debt that has accumulated or has accrued. They are making court filings to garnish my wages and I do not reside in the state of Virginia. I have requested to settle to satisfy my debt and their refusing to settle with me and using intimidation tactics to force me to pay. The have seized XXXX of my banks XXXX XXXX and XXXX XXXX. The XXXX  ( XXXX ) at XXXX XXXX XXXX XXXX have also chastised me due to having a high interest balance on the loan. I am being mentally abused due to this debt and being that account were seized I was facing homeless. I would like this issue escalated to management due to court proceedings being taken against me without prior notice and seizing my account without my knowledge. I have contacted the Lendmark Corporate office and they have yet to settle debt with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: GA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 2025-03-14 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: Paypal Holdings, Inc
State: NV

Complaint narrative:
Hi, I sent a XXXX  payment to my XXXX address in Paypal. It was XXXX sent via the XXXX XXXX. Paypal accepted the transaction, since it is via the XXXX XXXX. However, they are not making the funds accessible to me. Currently I am missing {$16000.00} that is stored somewhere in Paypal 's system. 

The attached receipt shows the sender 's transaction to my wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: CO

Complaint narrative:
XXXX XXXX XXXX XXXX refuses to remove inaccurate information. My wallet was stolen by someone who was living in my home and had access to my pin. I told them it was not me. They said they closed the investigation and they feel that I was responsible for the balance and they closed my checking account and reported me to XXXX XXXX making it impossible to get approved for any and all credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-03-14 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: NJ

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-03-14 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-14 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: MI

Complaint narrative:
Dear Experian Dispute Team, I am writing to formally dispute inaccurate and fraudulent information on my credit report. I have been a victim of a XXXX XXXX virus, which resulted in unauthorized transactions on my accounts. Despite informing the financial institutions involved, they have continued to report incorrect late payments and delinquencies, which have negatively impacted my credit standing. 

I request that you investigate and remove all fraudulent and disputed entries from my credit file related to the following accounts : Disputed Accounts : XXXX XXXX ( Reference # XXXX ) XXXX XXXX XXXX XXXX XXXX ) ( Reference # XXXX ) XXXX XXXXXXXX ( Reference # XXXX ) Personal Information for Verification : Full Name : XXXX XXXX Date of Birth : XX/XX/year> Address : XXXX XXXX, XXXX, Michigan XXXX XXXX XXXX XXXX of XXXX Account : XXXX The reported information is incorrect as the transactions in question were unauthorized due to my accounts being compromised. I request that Experian remove these negative marks and update my credit report accordingly. 

I have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. I kindly ask for a prompt investigation and resolution. Please provide a written confirmation once the disputed information has been corrected. 

Thank you for your time and assistance. Please let me know if any additional documentation is required. 

Sincerely, 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 explanation
Consumer complaint received 2025-03-14 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: MD

Complaint narrative:
RE : Account number ending in XXXX CFPB Case # XXXX XXXX, XXXX, & XXXX XXXX XXXX Case # XXXX XXXX, XXXX, & XXXX XXXX XXXX furnished information to XXXX and Trans Union that indicated my payment on Acct # XXXX was late in XX/XX/XXXX. I disputed this information with CFPB, and I received a response from XXXX XXXX via a letter dated XX/XX/XXXX. In that letter XXXX XXXX states that I did not make a payment in XX/XX/XXXX. XXXX XXXX is reporting the account as current in XX/XX/XXXX and 30 days late in XX/XX/XXXX. If XXXX XXXX claims the account did not receive a payment in XX/XX/XXXX, then XXXX XXXX needs to report the account as late in XX/XX/XXXX. Once XXXX XXXX reports the account as late in XX/XX/XXXX, then I can address that inaccuracy. But you can not claim the account was late in XX/XX/XXXX for a payment that was not made in XX/XX/XXXX. 

XXXX XXXX also furnished information to Trans Union that indicated my payment for XX/XX/XXXX was 30 days late. However, XXXX XXXX letter does not claim the account was 30 days late in XX/XX/XXXX. Does this mean that XXXX XXXX will instruct Trans Union to report that the account was not 30 days late in XX/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 non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: TX

Complaint narrative:
XXXX illegally accessed my student loan information with no prior government allowance or background checks. Thats massively illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: CA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-03-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: OPTUM BANK, INC.
State: IL

Complaint narrative:
I opened an XXXX with XXXX bank in XX/XX/XXXX. I saw there was a charge for paper statments I signed up for on-line access to waive the fee. I looked today and noticed I was charged {$1.00} service fee for XX/XX/XXXX. I was message with them on XX/XX/XXXX and indicated money was deducted from my pay check twice a month. It will take me a little time to get to their {$5000.00} minimum, but I will have in in the next few months. The told me I needed to call and get that fee waived. When I called the representative ( " XXXX '' ) said she could waive it one time. I said it needed to be waived for the next 12 months until I get the balance up do to systematic contributions. She did not seem to understand what I was asking. I asked to speak to a supervisor. She put me on hold for 10 minutes and said all supervisors were busy. I told her I needed her name and phone extenstion. She provided me her first name and main phone number, put me on hold and came back and said she wasn't allowed to provide her extension. I said I only want the {$1.00} from last month credited and the! .50 waived for the next year. She indicated she was taking down my compliant and supervisor would contact me. I need to have the! .50 refunded and the next months waived so I can get the {$5000.00} in my account in cash, not invested in order to meet their mimimums. Makes no sense and I don't think she understood what I was talking about and wouldn't transfer me to a supervisor to get this charge taken care of.

Company response to consumer: Closed with explanation