vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-01-27 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: GA

Complaint narrative:
________________________________________ XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Request for Removal of XXXX XXXX  from Credit Report Dear XXXX XXXX XXXX am writing to formally request the removal of a XXXX  that has been XXXX from my credit report. Upon reviewing my credit report, I have identified that the bankruptcy is still being reported despite being fully XXXX in [ XXXX of XXXX ]. 
Under the Fair Credit Reporting Act ( FCRA ), Section 605 ( a ) ( 1 ) ( 15 U.S.C. 1681c ), XXXX  are required to be removed from a consumers credit report after XXXX  years from the filing date. However, a XXXX XXXX  XXXX be reported for this period, but I believe it is now time for this record to be fully removed if the XXXX period has passed or if the bankruptcy is no longer an accurate reflection of my creditworthiness. 
Please investigate this issue, and if the XXXX  is indeed past the legal reporting period, I respectfully request that it be removed from my credit report immediately. 
I would appreciate it if you could send me an updated copy of my credit report once the necessary adjustments have been made. If you require any further information or documentation from my side, please feel free to contact me at the above address or phone number. 
Thank you for your time and attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
The XXXX family was supposed to receive close to XXXX for new mortgage and with company, employee lied and basically told us that we was going to receive this money in order to continue and we said okay our old mortgage company only provided us with a check for {$XXXX} That's not what we signed up for we can not move forward with a new mortgage of {$XXXX} more than what we were paying for my previous mortgage company, they refuse to work with us so we basically wanted to start a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Foreclosure
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
The mortgage is telling me that they have not received payment since XXXX when we been making the payments each week the money we been sending them they have been accepting it but they have threaten us to repo my trailer if it has not resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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 came across the CFPB XXXX LAWSUIT I feel i was negatively impacted by EQUIFAX, hurting my chances at credit after recieving a response to my earlier dispute that the accounts were " verified ". 
There was not a proper detailed investigation on the disputes i provided in XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: TX

Complaint narrative:
XXXX XXXX was part of the XXXX XXXX XXXX lawsuit that was approved for student loan dismissal. All federal loans with XXXX were dismissed as part of the borrowers defense. Private loans still have a balance since XXXX. XXXX was the lender at the time and they said my application was not approved for private loans. The private loan money they gave went to the school that was found guilty of misconduct and dismissed and so therefore I should not owe the balance. I borrowed {$18000.00} i have already paid {$21000.00} and they show a balance of {$78000.00}. I want these loans closed and XXXX balance as part of the borrowers defense that was approved. Application was sent to XXXX. XXXX transferred my loans to Mohela in XX/XX/XXXX. If there is an application for Mohela send to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: SC

Complaint narrative:
I am filing a complaint against XXXX, Transunion and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX, Transunion, XXXX consistently responds within XXXX 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, XXXX, Transunion, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against the, for similar violations. I request that the CFPB take action to ensure XXXX, Transunion, XXXX complies with the federal law and provides consumers with the necessary proof of investigation.

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 2025-01-27 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: SC

Complaint narrative:
I am filing a complaint against XXXX, XXXX and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX, XXXX, Experian consistently responds within XXXX 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, XXXX, XXXX, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against the, for similar violations. I request that the CFPB take action to ensure XXXX, XXXX, Experian complies with the federal law and provides consumers with the necessary proof of investigation.

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 2025-01-27 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: NC

Complaint narrative:
I received an alert message stating there was a change to my XXXX XXXX. Once I logged in to see, there was a new account under collections. If you open that collection, there was never any previous history with this account. Experian has not provided supporting documentation regarding this alleged account. I demand that this be removed from my credit reporting agencies immediately.

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 2025-01-27 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: LA

Complaint narrative:
I am writing this letter to dispute the validity of a collection account that has been reported on my consumer credit report. This collection pertains to an alleged debt with the original creditor XXXX XXXX XXXX and the account details are as follows : Account Number : XXXX I dispute any debt your company claims to have on me. You must stop all collection activities. Do not call my telephone number. If you were ever given permission to call this telephone number ( which i know I haven't given said permission ) I am revoking that now! I request a copy of the XXXX XXXX XXXX that outlines the terms and conditions under which my account was acquired by your agency. This agreement should include any provisions regarding the sale or transfer of the portfolio of loans acquired also including my alleged account and must be signed and dated. 

Considering recent actions by the Consumer Financial Protection Bureau ( CFPB ) against similar violations, it is apparent that non-compliance could lead to severe legal and financial consequences. The CFPB has been active in addressing unlawful practices within the financial sector, and I believe they would take a keen interest in investigating whether your companys practices comply with federal regulations. This could potentially uncover systemic issues similar to those resulting in significant penalties for other institutions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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.

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 : It also states a consumer reporting agency can not furnish a 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 of crimes which antedates the report by more than XXXX 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 information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: FL

Complaint narrative:
My privacy rights are safeguarded by laws established by Congress to protect consumers. Allowing unauthorized access to my financial data not only violates federal laws but also infringes on my constitutional rights, resulting in significant harm and distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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 am filing a com

plaint against Equifax for failing to properly investigaie 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, Equifax 's 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. 2025-CFPB-0002 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: FL

Complaint narrative:
I am writing to dispute the publication of certain information on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). According to 15 U.S.C. 1681b, credit reporting agencies may only include information in a consumer 's credit report if there is a permissible purpose defined by law and if the consumer has explicitly authorized it. 

In this specific case, I never gave my consent, nor was I presented with any contract or disclosure explicitly authorizing, either in writing or verbally, the publication of the following accounts on my credit report. Therefore, the inclusion of this information is inaccurate and constitutes a violation of my rights as a consumer. 

Accounts in Dispute : Creditor Name and Account Number : XXXX  XXXX XXXX ( Reported Date : XX/XX/XXXX ) Creditor Name and Account Number : XXXX  XXXX XXXX ( Reported Date : XX/XX/XXXX ) Furthermore, according to 15 U.S.C. 1681c-2, when a consumer submits a formal identity theft report, credit reporting agencies must block any information identified by the consumer within XXXX business days. Although this case does not involve identity theft, the lack of consent and disclosure reflects a violation of the FCRAs principles requiring accuracy, transparency, and lawful reporting. 

I am also attaching my FTC identity theft report to support my dispute, including the report number : FTC Report Number : XXXX. 

I remind you that under the FCRA, you are required to complete your investigation of this dispute. Failure to comply with these legal requirements may result in additional actions, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.

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 2025-01-27 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. 
I want the CFPB

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: GA

Complaint narrative:
On or around XX/XX/year>, I called and wrote a letter asking for my Lexis Nexis report ( XXXX ). I discovered your firm was reporting two ( 2 ) bankruptcies on my report related to my business, XXXX XXXX XXXX XXXXXXXX On XX/XX/year>, I drafted a letter to your firm Lexis Nexis, certified mailing number : XXXX XXXX XXXX XXXX XXXX XXXX, delivered on XX/XX/year>. Enclosed was a personalized letter disputing the following as innacurate or illegal to report : The estimated XXXX XXXX XXXXXXXX XXXX, income; All financial details related to the XXXX XXXX XXXX ; and Reporting two ( 2 ) bankruptcies violating Rule XXXX by reporting inaccurate and unverifiable information. 
Per federal law you are in violation of reporting these items in which I disputed, I expected a thorough investigation with your results and a copy of my updated report on file with Lexis Nexis within thirty ( 30 ) days. To date, I have not received the following information : Identification of the source of data Name of the source of date Address/Location of the source of data Phone Number of the source of data Notice of the data being verified as accurate and or notice of date being removed and a current copy of my file, business and personal. 
Please reference Consumer Number : XXXX Case Number : XXXX This investigation has lasted well over thirty ( 30 ) days since my original inquiry. Please remove all the disputed items listed above per law ( FDCPA ). If not, I will have no choice but to exercise all rights and monetary remedies to clear my name of defamed information and remove all inaccurate, unverifiable and illegal data. Please note due to this inaccurate information I have lost potential business matter that would enrich myself as well as my business. This communication will be sent certified mail via USPS. I will wait five ( 5 ) days after conformation of delivery, prior to calling your firm for a verbal conformation of the final findings related to this delinquent investigation. 
Enclosed : Lexis Nexis Letter ( Case Number : XXXX ) dated XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX to Lexis Nexis XXXX XX/XX/year> Lexis Nexis Letter ( Case Number : XXXX ) dated XX/XX/year> Lexis Nexis Letter ( Case Number : XXXX ) dated XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
Chase Auto account paid off on XX/XX/scrub> XXXX XXXX {$56000.00}. I have been trying to get the lien release and or title for several months so I can finish the Maine state registration so I can drive the vehicle. No luck, they keep telling me they sent it, and I never received anything. account number # XXXX

Company response to consumer: Closed with explanation