vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 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: ECMC GROUP, INC.
State: NV

Complaint narrative:
As per outlined in attached dispute letter, the following companies are in violation of METRO 2 COMPLIANCE and FCRA law and in violation of related privacy laws as XXXX XXXX and XXXX  were allowed access to my private student loan information with appropriate authorization. As a result, I respectfully request that my student loan information for DEPT OF EDUCATION XXXXXXXX XXXX XXXX be immediately removed FROM my credit reports with, but not limited to, XXXX, XXXX, AND XXXX to avoid continued breach of privacy and violations of law. 

There are XXXX accounts currently reporting.

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 2025-03-16 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: NV

Complaint narrative:
As per outlined in attached dispute letter, the following companies are in violation of METRO 2 COMPLIANCE and FCRA law and in violation of related privacy laws as XXXX XXXX and DOGE were allowed access to my private student loan information with appropriate authorization. As a result, I respectfully request that my student loan information for DEPT OF EDUCATION XXXX AND XXXX  be immediately removed FROM my credit reports with, but not limited to, TRANSUNION, XXXX, AND XXXX to avoid continued breach of privacy and violations of law. 

There are 4 accounts currently reporting.

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 2025-03-16 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:
XXXX XXXX XXXX, FL, XXXX XXXX XXXX Last 4 SSN:XXXX Subject : Dispute of Late Payments Under TILA 15 U.S. Code 1666 ( b ) ( Billing Error ) I recently reviewed my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ), which pertains to billing errors. 

According to this law : A creditor 's failure to properly reflect a payment on a statement constitutes a billing error. 
A computation error or similar accounting mistake on a creditors statement also qualifies as a billing error. 
As I understand, the creditor failed to notify me 21 days before issuing a statement, which means the late payments on this account should not exist. I request hard, solid proof from the creditor showing that I missed a payment and was correctly marked as late. Given that this is a billing error, these late payments must be removed immediately. 

REQUEST FOR REMOVAL I request that the following accounts be updated to reflect a " Paid as Agreed '' status on my consumer report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Failure to correct this error violates my rights under consumer protection laws. If these inaccuracies are not resolved promptly, I will seek monetary compensation for damages under 15 U.S. Code 1681n for civil liability. Additionally, I am prepared to escalate this dispute by filing a complaint with the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and the Federal Trade Commission. 

I expect a response confirming the correction of my credit report. Please address this matter immediately. 

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 non-monetary relief
Consumer complaint received 2025-03-16 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: CBC Companies, Inc.
State: WI

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate the Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Recently i locked my Credit Report and noticed several inaccuracies on my account, this account is hurting my ability to obtain credit, it is my understanding that you will investigate these items for me to ensure accuracy. here is the item ACCOUNT : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: T.S. Holdings
State: AZ

Complaint narrative:
I am disputing an alleged debt of {$2900.00} that IQ Data International , Inc. claims I owe. The account was reportedly opened on XX/XX/year>. I sent a formal debt validation request under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, requesting proof of the original creditor, a signed contract, and an itemized statement of the charges. Additionally, I invoked my rights under 15 U.S.C. 1692c ( c ) to request that all further communication cease. 

Despite my request, IQ Data International , Inc. has failed to provide proper validation of the debt and continues collection efforts, including reporting the account to credit bureaus. This constitutes a violation of the FDCPA. 

I am requesting the CFPBs assistance in ensuring that IQ Data International , Inc. provides the required validation or removes the unverifiable debt from my credit report. Additionally, I would like them to cease all collection activities until proper validation is provided. 

Resolution Requested : 1. Require IQ Data International , Inc. to validate the debt with proper documentation. 
2. If they can not validate the debt, they must cease collection efforts and remove any negative credit reporting. 
3. Ensure compliance with FDCPA guidelines to prevent further unlawful collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I requested a dispute for amount of {$890.00} on XX/XX/XXXX for a membership service ( XXXX XXXX XXXX ) that I've already canceled, it was a charge without my permission, and the dispute was successfully processed on XX/XX/XXXX. however, on XX/XX/XXXX, there's a charged called REBILL of {$890.00} for the dispute I made on XX/XX/XXXX. I contact the bank ( Chase ), they told me to talked with XXXX XXXX XXXX  first. and I did, the XXXX promised me the money would go back to my bank account. But the money never went back, so I contacted XXXXXXXX XXXX XXXX  again, and this time they said they didn't have the right to processed the refund in the club, they need to file my case to their company to say what would they say. weeks later, they told me that the company refused to refund to me because they didn't find that charge, and suggested me to file a dispute with my bank. 

But the thing is, at that time, it already passed the time limit of filing a dispute. And now, the bank can not do the dispute, and the XXXX XXXX XXXX refused to refund me Because they didn't had that charge on their system. 

I'm very confused why there was a rebill for the dispute on my credit card, if XXXX XXXX XXXX  didn't received the money, where did the money go.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
On XX/XX/year>, I discovered an unauthorized hard inquiry from XXXX XXXX ( which appears to be NetCredit ) on my XXXX credit report. I never applied for credit with NetCredit or any related company, nor did I authorize any credit check. 

This Inquiry is Illogical Given My Credit Profile I maintain established, high-credit relationships with XXXX XXXX and XXXX XXXX XXXX XXXX , both of which have extended credit lines of {$20000.00} and {$30000.00}, respectively. These financial institutions provide access to substantial, low-interest credit facilities, making it entirely illogical that I would seek financing from NetCredit, a lender known for issuing high-interest, low-limit personal loans. 

I do not need, nor have I ever sought, financial products from NetCredit or its affiliates. The presence of this inquiry is inconsistent with my financial standing and raises serious concerns regarding the accuracy of reporting and potential unauthorized access to my credit file. 

Dispute History & Violations I previously disputed this inquiry with XXXX, citing 15 U.S.C. 1681b, which requires that a company must have a permissible purpose to access my credit file. XXXX verified the inquiry but failed to provide any supporting documentation proving my authorization. Specifically, XXXX did not provide : A signed application A digital record of consent An IP log showing my authorization Since XXXX failed to verify this inquiry with tangible proof, I am now disputing directly with TAB BANKNETCREDIT ( NetCredit ) and demanding the following : Proof of permissible purposeincluding a signed application, IP logs, or any document proving that I applied for credit. 
Immediate deletion of the unauthorized inquiry from my credit file if no valid proof exists.

Security Concerns & Further Action Given that I did not authorize this inquiry, I have placed a credit freeze on my XXXX report to prevent further unauthorized access. This situation raises serious security concerns regarding the protection of my personal information. 

Under 15 U.S.C. 1681s-2 ( a ) ( 3 ), XXXX ( NetCredit ) is legally obligated to ensure the accuracy of the information they furnish to the credit bureaus. If they can not produce valid evidence of my authorization, they must delete the inquiry immediately to comply with the Fair Credit Reporting Act ( FCRA ). 

Additionally, my XXXX credit report falsely cites 'written authorization ' as the permissible purpose for this inquiry. I have never provided any such authorization to your company, and no signed agreement exists between us. This misrepresentation further substantiates my dispute and requires immediate correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: CA

Complaint narrative:
On XX/XX/year>, I discovered a collection account from XXXX XXXX on my TransUnion credit report for {$120.00}. This account is inaccurate, improperly reported, and unverifiable for the following reasons : 1. Incorrect Open Date The account is listed as opened on XX/XX/year>, but this is not the true date of delinquency. The original account became past due over XXXX years ago, meaning this date is misleading and does not follow the FCRAs reporting guidelines. 
2. XXXX XXXX is NOT the Original Creditor XXXX XXXX  purchased or was assigned the debt but has not provided proof of assignment or original account records to verify their legal right to collect or report this debt. 
3. Failure to Provide Debt Validation Under 15 U.S.C. 1692g ( FDCPA ), I have the right to demand full validation, including the original creditors contract, detailed account history, and proof of assignment. XXXX XXXX has failed to provide any of this documentation. 
4. Inconsistent Reporting The account only appears on TransUnion and not the other two credit bureaus, suggesting incomplete or improper reporting in violation of FCRA 623 ( a ) ( 1 ). 

Given these clear violations, I demand immediate removal of this account from my credit report. If XXXX XXXX  can not produce full, legally required validation within the required timeframe, this account must be deleted per FCRA and FDCPA regulations.

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 2025-03-16 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: Tower Loan of Mississippi, Inc.
State: IL

Complaint narrative:
XXXX is reporting a late payment for XXXXXXXX  for three late payments for XXXX, XXXX and XXXX for XXXX. There are also negative accounts reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX that needs to be deleted. As well as the hard inquires that I didn't provide my permissible purpose XXXX  and XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/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 2025-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year>, my client, XXXX XXXX, attempted to send a legitimate XXXX payment of {$1000.00} to my Navy Federal personal account as payment for services rendered. However, Navy Federal rejected and returned the payment without explanation. 

Since Navy Federal does not allow XXXX payments to business accounts, my client had no choice but to send the payment to my personal account. After the XXXX transfer failed, the client then used an alternative merchant payment service to send the funds to my business account under XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/year>, days after the initial XXXX transaction, Navy Federal restricted and permanently closed my personal accounts, citing " suspicious XXXX transactions '' as the reason. I immediately contacted Navy FederaXXXX and was told that my client needed to call XXXX and justify the payment. 

Attempts to Resolve the Issue My client contacted XXXX XXXX ( her bank ) and XXXXBoth confirmed that they did not flag the transaction as fraud. 
On XX/XX/year>, I called XXXX at XXXX and spoke with a supervisor named XXXX ( ID : XXXX ), who confirmed that the restriction was placed by Navy Federal, not XXXX. 
On XX/XX/year>, I spoke with a Navy Federal supervisor named XXXX, who confirmed that my personal accounts would remain permanently closed and that I could not appeal the decision. 
That same day, shortly after I informed Navy Federal that I would be filing a CFPB complaint, both of my business accounts were also closed. 
Impact of Navy Federals Actions I was left without access to any of my accounts ( both personal and business ), causing severe financial disruptions. 
Payments that were supposed to be deposited into my business accounts were rejected, leading to financial losses. 
Navy Federal provided inconsistent and vague explanations and refused to provide any evidence or an appeal process. 
I was unfairly denied banking services, despite conducting legitimate business transactions. 
Request for Resolution I am seeking the following : Reinstatement of my personal and business accounts or a formal explanation of the alleged violation. 
Compensation for financial losses incurred due to wrongful account closures. 
An official response from Navy Federal regarding my clients letter, which confirms the transaction was legitimate. 
A formal review of Navy Federals discriminatory banking practices to prevent unfair targeting of small business owners. 
I have attached supporting documents, including a statement from my client confirming the legitimacy of the payment and evidence of my communications with Navy Federal and XXXX. 

Thank you for reviewing this complaint. I look forward to your prompt response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against LVNV Funding LLC and Resurgent Capital Services L.P. regarding a debt that has been incorrectly attributed to me and reported on my credit report. The account in question is associated with account number XXXX, amounting to {$330.00}. I have no knowledge of this debt, nor have I ever authorized it. 

Despite my attempts to resolve this issue directly with LVNV Funding LLC, the debt remains on my credit report, which has adversely affected my credit score and financial standing. I believe this situation constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically : 1. **FCRA Section 611 ( 15 U.S.C. 1681i ) ** : The credit reporting agencies are required to investigate disputed information, yet this erroneous account remains on my report. 

2. **FCRA Section 623 ( 15 U.S.C. 1681s-2 ) ** : LVNV Funding LLC has failed to ensure the accuracy of the information they reported, as they have not provided any validation of this debt being legitimately mine. 

I have requested validation of this debt and expect the account to be marked as " in dispute '' and removed from my credit report until proper validation is provided. However, my requests have not been adequately addressed. 

I am seeking the CFPB 's assistance in ensuring that LVNV Funding LLC complies with the FCRA and promptly removes this inaccurate account from my credit report. I would appreciate your prompt attention to this matter and look forward to a resolution. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: PA

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of my student loan payment history on my credit report by Experian, Equifax, and TransUnion. Specifically, my credit report contains incorrect delinquency notations, which are negatively affecting my credit score. I have attached a screenshot showing these inaccuracies for reference. 

The inaccurate information includes : Incorrect reporting of 90-day, 120-day, and 150-day late payments for my student loan, which are false and should not be reflected on my credit report. 
Discrepancies in how payments are marked as " ND '' ( No Data ) in some years, while sudden late payments appear without justification. 
Failure to update or verify the accuracy of the reported delinquencies. 
These errors are in violation of the Fair Credit Reporting Act ( FCRA ), as they fail to meet the legal standard of accuracy and fairness required by law. Furthermore, the CFPB recently imposed new fines and penalties against credit bureaus for failing to properly investigate disputes and correct inaccurate information, reinforcing my concerns about their negligence. 

Requested Resolution : Immediate correction or removal of the inaccurate delinquency notations. 
A formal investigation into why this false information was reported. 
Assurance that my credit report reflects accurate and verified information in compliance with FCRA guidelines. 
I am requesting that the CFPB investigate this matter promptly and ensure that Experian, Equifax, and TransUnion correct their records. I would appreciate a timely response and resolution to this issue. 

Thank you for your time and assistance. 

Attachments : Screenshot of the inaccurate credit reporting ( attached )

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 2025-03-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
in accordance with Fair Credit Reporting act. The list of accounts below has violated my federally. protected consumer and confidentiality under 15 USC 1681.CAPITAL ONE. Account # XXXX, XXXX  ALL HAVE VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 2 A. STATES I HAVE RIGHTS TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH 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 CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation