vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CHERRY TECHNOLOGIES INC.
State: IL

Complaint narrative:
On XX/XX/year>, I went into the " XXXX XXXX XXXX XXXX XXXX '' located on XXXX XXXX XXXX XXXX, XXXX, IL XXXX and had an agreement for 3 service treatments. I only received one successful treatment. Before I could return to receive the 2 additional treatments, I was shocked to learn that the business had permanently closed without any prior notice. This closure is publicly recorded regarding the XXXX and XXXX XXXX locations with no remedy for consumers who paid or obtain lending credit for services. Cherry is the loan that was supposed to pay for all the 3 services which was ultimately combined and for the interest rate is based. I informed Cherry of the situation that I did not receive the full service. Cherry advised me to keep reaching out for a permanent closed business knowing that I was being charged full prices + interest for all 3 sessions. I told them this was fraud and theft as they are charging me for goods and services I did not receive. I was robbed out of funds and access to services I was promised. I paid a little over {$1800.00} of my {$6200.00} billed. I strongly feel my debt should be an honest reflection of what I actually owe. This is highway robbery. I called and message the creditor multiple times and was basically told tough luck

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FlexShopper, Inc
State: TN

Complaint narrative:
Upon reviewing my credit report, I found significant discrepancies in how this account has been reported : Inconsistent Payment History The report states I have made " XXXX XXXX of payments on time, '' yet also lists only XXXX XXXX late mark. This suggests incomplete or incorrect payment data. 
Incorrect Account Status The account has been charged off and marked derogatory, but it still reflects a balance of {$1500.00}. If the debt was written off as a " Profit and Loss Write-Off, '' it should not still report as an outstanding balance. 
Dispute Handling The report states " Dispute Resolved Reported by Grantor, '' but I was never provided proper documentation verifying the legitimacy of the information. Under the Fair Credit Reporting Act ( FCRA ), I have the right to review how this was verified. 
Requested Action : I am requesting an immediate investigation and correction of the following : Provide verification of the reported balance and delinquency, including a full account payment history. 
Remove or correct the charge-off status if the account has been settled or inaccurately reported. 
Ensure that the balance accurately reflects the actual amount owed if the debt has been sold, settled, or otherwise adjusted. 
Delete the account if it can not be verified, as required under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, Tx XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX XXXX Tx XXXX 2. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX 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 2025-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to TRANSUNION in XXXX to dispute these items.

However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

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 2025-03-05 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: LA

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. 

XXXX XXXX  # XXXX XX/XX/XXXX -- {$10000.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
Pennymac took XXXX months mortgage payments from my account for the month of XXXX. As a result, my account was overdrawn and my bank charged me overdraft fees. I spoke with more than XXXX Pennymac associates and I was told the money would be refunded in XXXX days. Pennymac did not refund the XXXX extra mortgage payments or pay the overdraft fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, at XXXX I received a text from XXXX Outsourcing a debt collector regarding XXXX XXXX Bank ( Upstart - for which current creditor is XXXX XXXX XXXX XXXX ). I informed them to stop texting me. Later on that day they decided to contact family members and share information regarding this matter. I have not given any permission for them to discuss or contact anyone regarding this debt. They are breaking the Federal Fair Debt Collection Practices Act ( FDCPA. I have screenshots and proof of attempts. I will be taking further action by contacting my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-05 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This has impacted my credit for a very long time, I have sent them documents of proof that something didn't belong to me but their still has been no change.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, D.C. XXXX Formal Complaint Regarding Navy FCU Violation of Consumer Protection Laws Dear Sir/Madam, I am writing to formally lodge a complaint against Navy FCU located at XXXX XXXX XXXX, XXXX, VA XXXX, for actions that I believe violate several federal consumer protection laws. The specific issues are as follows : 1. Fair Credit Billing Act ( FCBA ) Violation On XX/XX/XXXX, I noticed an account statement dated XX/XX/XXXX. Despite my timely written dispute sent to Navy FCU on XX/XX/XXXX, I have not received a response within the 30-day period mandated by the FCBA. This lack of response constitutes a violation of the FCBA, which requires creditors to acknowledge receipt of a billing error notice within 30 days and resolve the dispute within two billing cycles.

2. Fair Debt Collection Practices Act ( FDCPA ) Violation Subsequent to the disputed charge, I received multiple collection calls from Navy FCU, acting on behalf of Navy FCU. These calls were made before the 30-day validation period had elapsed, thereby violating the FDCPA, which prohibits debt collectors from contacting consumers before the validation period ends.

3. Fair Credit Reporting Act ( FCRA ) Violation Despite the ongoing dispute, Navy FCU reported the disputed charge as delinquent to the credit bureaus, adversely affecting my credit score. Under the FCRA, a creditor must mark an account as disputed when a consumer disputes the information, and they are prohibited from reporting information they know is inaccurate.

4. Truth in Lending Act ( TILA ) Violation The billing statement from Navy FCU failed to provide clear and conspicuous disclosure of the disputed charge, including the date and amount of the charge, as required by TILA. This lack of transparency impedes my ability to understand the terms and conditions of my credit account.

I have attempted to resolve these issues directly with Navy FCU through attempts, e.g., phone calls, emails, and written correspondence, but have not received a satisfactory response. I respectfully request that the Consumer Financial Protection Bureau investigate these matters and take appropriate action to ensure compliance with federal consumer protection laws.

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

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: AZ

Complaint narrative:
XXXX Consumer Adjustment Co ACCT : XXXX AMOUNT : {$580.00} I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume they no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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:
This is my final demand for the immediate removal of a fraudulent trade line that has been reported under my name and personal information without my authorization. This matter falls under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], which grants me the right to dispute inaccurate or unauthorized information on my credit report.

Pursuant to 15 U.S.C. 1681s-2, you are legally obligated to investigate and correct inaccurate or fraudulent information. I have previously disputed this fraudulent account, and you have failed to take corrective action. You are now in willful noncompliance with the FCRA, which carries statutory damages of {$1000.00} per violation under 15 U.S.C. 1681n. Additionally, I reserve the right to seek punitive damages, attorneys fees, and court costs should legal action become necessary.

Final Demands : Immediately remove the fraudulent trade line from my credit report.

Provide written confirmation that the account has been deleted. 
Cease all reporting of this fraudulent account to credit bureaus ( Experian, XXXX, and TransUnion ). 
Provide documentation verifying how this account was opened in my name. 
Failure to comply within 15 days from the date of this letter will result in legal action against your company, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general. Additionally, I will pursue civil remedies in federal court for your continued violation of my rights under the FCRA. 

This letter serves as formal notice, and I expect prompt compliance. If you require further information, I can be reached at the contact details provided above. 

Sincerely,

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 2025-03-05 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: MS

Complaint narrative:
Dear Equifax, 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 30-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 2025-03-05 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: MS

Complaint narrative:
Dear Equifax, 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 30-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 explanation
Consumer complaint received 2025-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Experian has failed to fulfill its Legal obligation under the fair Credit 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 filled a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify of dispute outcomes. These failures align with my experience, where Experian has Neither corrected nor removed this disputed despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates FEDERAL law and my rights as a consumer.Remove all acoo

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 2025-03-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Experian has failed to fulfill its Legal obligation under the fair Credit 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 filled a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify of dispute outcomes. These failures align with my experience, where Experian has Neither corrected nor removed this disputed despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates FEDERAL law and my rights as a consumer.Remove all acoo

Company response to consumer: Closed with explanation