vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 to be removed/updated. 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. 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!

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I submitted a complaint through here and they failed to address the reason why they put multiple hard inquiries on my account instead of XXXX. I had XXXX hard inquiries all in XXXX day simply because I asked about financing a vehicle? Should that bring someones credit down XXXX points? The company didnt even address the issue they instead responded with an answer to something I wasnt asking which was describing why the hard inquiry was made. I didnt ask that. I asked why XXXX were made instead of XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I was trying to be proactive with protecting my mortgage and credit score. I reached out to the mortgage company to see what available options they could assist me with after being terminated from my position related to XXXX XXXX XXXX 's illegal actions to fire probationary government employees. There has been very little communication on the status of my job under XXXX since this occurred in XXXX based on the XXXX XXXX in the XXXX emails. I only opted for the forbearance because I wanted to be safe than sorry so I applied to protect my home and family. I have never been late on any payment with them since purchasing the home back in XX/XX/XXXX. Those of us that are government employees are struggling and under this type of scrutiny are already having a very difficult time finding work, and only getting updates from the news has been the worst. There has been very little communication from our agencies on next steps. The mortgage company chose not to take this into consideration and tanked my credit score XXXX points today XX/XX/XXXX, even though I have NEVER missed a payment. I would like my credit score returned to what it was immediately, this is absolutely devastating considering I only needed to apply for this forbears because of the illegal firings implemented by the XXXX XXXX. This is in violation of the CARES ACT as well. Refer to Section XXXX of the CARES Act, which amends the Fair Credit Reporting Act ( FCRA ). This section is codified at 15 U.S. Code 1681s2.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
Deposited a check on XXXX and XXXX and both checks were never deposited into my account. When asked why they said they needed to verify the phone number of the company issuing the check. The owner of the company went to chase bank to verify all information including the bank he used to issue the checks but chase said they wouldnt release the funds until a phone number was registered to the companies name. Its been 9 months and we still havent received an answer from chase even after the owner of the company added a phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I recently viewed my credit report and noticed that an account wasn't reporting properly. My car was stolen on XXXX, My XXXX XXXX XXXX XXXX XXXX. 
It was reported to the police, and I have a copy police report of the incident. 
I have gap insurance, and the vehicle balance was paid in full because it was considered a total loss. 
XXXX XXXX XXXX has placed false information on my account. 
They reported the vehicle late or not paid for XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. 
The car was already paid off by the XXXX insurance on XX/XX/XXXX. 
I am requesting you to investigate this false information and update my account. 

Thanks for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MA

Complaint narrative:
Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment I am filing a formal complaint against Nelnet, XXXX, XXXX, XXXX, and XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: CCS Financial Services, Inc.
State: NY

Complaint narrative:
i am writing to report a fraudulent account opened under my name. i did not authorize this account and have no knowledge of this existence.

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 2025-04-10 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: Block, Inc.
State: NY

Complaint narrative:
I noticed XXXX XXXX at XXXX I wasn't able to send money out or recieve any request to send money so I contacted cash app as soon as possible and spoke to about 3 people that evening because not one person had any idea or told me what was happening with my account. I finally spoke to someone and they said they couldn't help me and a supervisor was going to EMAIL ME and couldn't tell me a date or how long I had to wait for an email.. within 12hrs I got a email stating my account was closed I had money inside the account they said they giving me up until XX/XX/XXXX to transfer funds a week later I got an email stating they are sorry for the inconvenience and my account is now reopened.. Tues XXXX XXXX I tried using my card and it declined I tried the following day XXXX XXXX it declined again I reached out again I spoke to someone and they told me they couldn't help me and I'll recieve an email I haven't received an email or any type of solution to the problem yet

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
For about a month now Ive been calling transunion customer service line and Ive been getting different answers to why I cant access my online account. No one has resolved the issue

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 2025-04-10 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: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-04-11 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: FL

Complaint narrative:
Im filing this under FCRA to know the method this alledged debt has bern verified : a ( FFA ) a Chain of Assignment.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
I was buying a car for XXXX I sent {$2000.00} in one transaction on cash app to the person and I sent {$400.00} in the summer transaction and then they answer the phone one more time and told me they were not going to give me my car or my money back so I found out this view and they're acting like they if he doesn't give me the money back get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
Subject : Second Dispute of Charge-O Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 To Whom It May Concern, I am writing in response to your recent notification that the charge-o on my credit report has been verified. After reviewing the results, I still believe that the charge-o reported under XXXX XXXX XXXX with account number : XXXX is inaccurate and requires further investigation. 
I previously disputed this entry with you, citing that the charge-o was incorrect, and I asked for an investigation in accordance with the Fair Credit Reporting Act ( FCRA ). However, your response to my dispute does not resolve the issue and fails to provide adequate evidence to support the charge-o 's validity. 
Under FCRA Section 1681b ( 2 ), information reported about me must be accurate. Additionally, Section 1681b ( 5 ) requires that any consumer report information must be used with a permissible purpose and must be accurate. It appears that the information provided by XXXX XXXX XXXX may still be erroneous, as I have not been provided with clear documentation or verification of this charge-o. 
Furthermore, Section 611 of the FCRA mandates that, upon a dispute, an investigation must be thorough and completed within 30 days. Given that my initial dispute was not resolved satisfactorily, I am requesting that you reinvestigate this charge-o entry with greater care and attention to the accuracy of the reported data.

I request the following : - Proof of verification from the creditor that substantiates the charge-o entry, including account statements, payment history, and any supporting documentation.- If the creditor can not provide satisfactory evidence that this charge-o is accurate, I request that the charge-o be removed from my credit report immediately.

Please be advised that under FCRA Section 1681i, if you are unable to verify the information after a second dispute, you are required to delete the incorrect entry from my credit report. 
Thank you for your prompt attention to this matter. I expect to receive your results of the reinvestigation within the 30-day period outlined by the FCRA. If you fail to comply, I will have no choice but to pursue further action to ensure my rights are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
In XX/XX/XXXX, I identified a personal loan account and several credit inquiries on my report that I did not initiate. These were made without my authorization and are not linked to any actions I have taken. 

The unauthorized account is : XXXX Opened on XX/XX/XXXX Additionally, these inquiries were made without my consent : XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information in Credit Report I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by Transunion Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as XXXX, XXXX, XXXX. I request that my name be updated to reflect the correct information. 
Supporting Documentation : I have enclosed a copy of supporting document to verify the accurate information provided above, including : A copy of my drivers license displaying my correct name. 
Request for Confirmation : I request that Transunion investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
Contact Information : If you require further information or documentation, please do not hesitate to contact me at XXXX or by email at XXXX. 
Thank you for your prompt attention to this matter.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: CA

Complaint narrative:
I recently found out about an old debt that recently went to collections this past year. I didnt receive notification of it nor was I aware of it until it was found on my credit report when I was rejected for my XXXX XXXX loans. I disputed online through XXXX XXXX on the premise of non-notification, and they denied saying that it was found to be my debt. The company then, after I disputed for not notifying me properly texts me with the information that they were supposed to send me almost a year ago. This violates my rights under fair debt collection. Not to mention that medical collections are legally supposed to be open for a year before reporting on my credit. So not only were my rights violated once but twice.

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 2025-04-10 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: AR

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX Employer - XXXX XXXX. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

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 2025-04-10 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: AR

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX Employer - XXXX XXXX. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: MA

Complaint narrative:
I have been incorrectly reported as late on my auto loan with XXXX XXXX XXXX XXXX. Their internal accounting system failed to apply my payments correctly, even though I made my payments on time. 
I disputed the inaccurate late payments with all three credit bureaus ( XXXX, Equifax, XXXX ), and provided a complete accounting of my payments to XXXX XXXX. Despite this, XXXX has refused to correct the error and continues to report false late payments, harming my credit score. 
I also submitted a direct request for reinvestigation under FCRA 623 ( a ) ( 8 ) and included documentation - this request has gone unanswered. These inaccurate late payments are negatively affecting my ability to qualify for an affordable homeownership program, despite my responsible payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: VA

Complaint narrative:
Request for Certification and Notification Regarding Reinserted Information under FCRA 1681i ( a ) ( 5 ) ( B ). I am writing to formally address a concern regarding the reinsertion of previously deleted information on my credit report. According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ), if information that was deleted from my file due to a dispute is to be reinserted, specific legal requirements must be met : The information furnisher must certify that the information is complete and accurate before any reinsertion is allowed. 
You, as the consumer reporting agency, must notify me in writing within five ( 5 ) business days of the reinsertion, and provide : A statement confirming the reinsertion ; The name, address, and phone number of the furnisher ; A notice of my right to add a statement to my file disputing the information. 
I have noticed that the following item, which was previously removed after a dispute, has been reinserted on my credit report : XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX I am requesting documentation that the requirements under 1681i ( a ) ( 5 ) ( B ) were met, including a copy of the certification of accuracy from the furnisher and a record of the written notice that should have been sent to me upon reinsertion.

If this information was reinserted without proper certification or notification, I request that it be removed from my credit file immediately and that a corrected copy of my report be sent to me. 
Please respond to this request within the time required under federal law. 
Thank you for your prompt attention to this matter. 
Enclosures attached : Copy of your credit report showing the reinserted item XXXX XX/XX/year> Copies of prior dispute correspondence or deletion confirmation with updated credit score XXXX XX/XX/year>.

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