vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 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: TX

Complaint narrative:
I am writing to dispute the inaccurate information that appears in my credit report concerning XXXX XXXX XXXX. After carefully reviewing my credit reports from all three major credit bureaus, I have identified specific inconsistencies and inaccurate information. FCRA Compliance : Under the Fair Credit Reporting Act ( FCRA ), credit bureaus and data furnishers must ensure that all information is accurate and verifiable. 

**Timeline Discrepancies** XXXX XXXX XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans UnionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans UnionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans UnionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX - I ordered an item with my XXXX XXXX XXXX XXXX credit card. I returned it immediately due to faulty manufacturing. 
XX/XX/XXXX - the return of the item posted to my XXXX XXXX XXXX XXXX XXXX I was charged interest on the item i returned. I was unaware of the charge thinking that no balance was due since the item was return and the account had a XXXX XXXX  prior to this purchase. 
XXXX XXXX- I received a 30day late mark on my credit repot and. XXXXXXXX point drop. I Filed a dispute with the credit bureaus but XXXX XXXX still has not removed this error. They also dont have a number to contact their dispute center you can only contact by mail and i havent received a response. 

This is fraud i will forced to hire legal representation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX - I ordered an item with my XXXX XXXX XXXX XXXX credit card. I returned it immediately due to faulty manufacturing. 
XX/XX/XXXX - the return of the item posted to my XXXX XXXX  account XX/XX/XXXX- I was charged interest on the item i returned. I was unaware of the charge thinking that no balance was due since the item was return and the account had a XXXXXXXX XXXX prior to this purchase. 
XXXX XXXX- I received a 30day late mark on my credit repot and. XXXXXXXX  point drop. I Filed a dispute with the credit bureaus but XXXX XXXX  still has not removed this error. They also dont have a number to contact their dispute center you can only contact by mail and i havent received a response. 

This is fraud i will forced to hire legal representation

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 2025-03-09 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: FL

Complaint narrative:
My credit report contains fraudulent accounts that were opened without my authorization due to identity theft. I have submitted a dispute letter and an FTC Identity Theft Report XXXX XXXX XXXX XXXX as supporting evidence, yet these accounts remain on my Equifax report. 

Equifax is required under the Fair Credit Reporting Act ( FCRA ) to investigate and remove any fraudulent accounts that can not be verified. These accounts do not belong to me and should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Consumer Portfolio Services, Inc.
State: IN

Complaint narrative:
I have lost a total of 4 cars, back2back 1. XXXXXXXX XXXX XXXXXXXX - HEAD-ON I WAS INJURED DID A 1099-C SETTLEMENT ALL BUT XXXX XXXX XXXXXXXX, has REMOVED ACCT. 
XXXX XXXX XXXX XXXX, - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX investigation w Atty. General Ofc. for selling UnCertifed Unauthorized no longer sold in USA. ( REMOVED ) 4. RENTAL JUST HIT LAST WEEK, AS IT WAS PARKED. MY CREDIT SCORE XXXX WHY XXXX HAS ME IN XXXX XXXX AS ALL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am writing to formally request clarification regarding an alleged debt that your agency claims I owe. Under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 U.S.C. 1681b and 15 U.S.C. 1692g, I am entitled to request and receive specific information related to this debt.

I would like to highlight that I have never entered into a legally binding contract with your agency that would indicate I owe any amount. Furthermore, I believe the original creditor may have engaged in fraudulent practices.

In accordance with the FCRA, I am requesting the following information to verify the validity of this alleged debt : 1. The date of first delinquency.

2. The date of the last payment.

3. The date of charge-off.

4. The chain of assignment for this debt.

Additionally, I would like to request a purchase order that includes all parties involved in this alleged debt, along with signed proof that you have the legal right to collect this debt in Texas.

Please provide this information at your earliest convenience. Failure to provide adequate verification may result in a request for statutory damages due to the furnishing of inaccurate information regarding this debt. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
Account # : XXXX I am writing to formally request corrections to multiple inaccuracies in the way my mortgage payment history is being reported to the credit bureaus. Despite my previous disputes, these errors remain unresolved, and additional incorrect reporting has been introduced. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), creditors and furnishers of credit information are required to report accurate information and promptly correct any errors. I am requesting that you immediately address and correct the following inaccuracies : Late Payment Corrections : Remove the incorrectly reported late payments for XX/XX/XXXX and XX/XX/XXXX, as they are inaccurate. 
Missing Data Updates : Correct the " NO DATA '' entries for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to accurately reflect my on-time mortgage payments. 
Incorrect Comment Removal : Remove the " natural disaster impact '' comment from XX/XX/XXXX, as I was not affected, and my mortgage was paid on time. 
These reporting errors are negatively affecting my credit, and I expect Planet Home Lending to correct them in compliance with the FCRA. Failure to do so may result in further action, as the law requires furnishers to ensure the accuracy of the information they provide to credit reporting agencies. 

Please confirm in writing once these corrections have been made. 

I appreciate your prompt attention to this matter and look forward to your resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: OH

Complaint narrative:
I am writing to formally notify Experian of its multiple violations of federal law in handling my dispute. I have provided clear proof of identity theft, an FTC Identity Theft Report, and supporting documentation, yet Experian has failed to comply with the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Act ( CFPA ) .EXPERIAN IS THE ONLY ONE REPORTING THESE ACCOUNTS WHICH THEY REFUSED TO REMOVE THEM. I HAVE PROVIDED PROOF Experian is in direct violation of the following laws regarding its dispute process :. FAILURE TO CONDUCT A PROPER INVESTIGATION ( 15 U.S. Code 1681i ( a ) ) Under 15 U.S.C. 1681i ( a ), Experian must conduct a reasonable investigation when a consumer disputes an item.

Experian is required to conduct a fair, independent reviewnot simply rely on furnishers.

Experian has violated this law by forwarding my dispute to the furnisher without conducting an independent review. FAILURE TO PROVIDE METHOD OF VERIFICATION ( 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) ) Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), when a consumer requests verification of a disputed item, Experian must provide the name, address, and contact details of the furnisher, the date and manner of verification, and any supporting documentation used.

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 2025-03-09 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: UPGRADE, INC.
State: GA

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit! Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: OK

Complaint narrative:
Loan paid off XX/XX/XXXX XX/XX/XXXX received payoff letter Disputed with credit service loan still not showing paid off XX/XX/XXXX information sent to Equifax still showed a balance. Dispute denied Company reporting incorrect information Attached payoff letter and dispute results

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Someone used my my debit card to withdrawal money mutiple times from my Wells Fargo account not only was I not refunded with my money but I was also c charged for the money they took out of the account

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 2025-03-09 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: TX

Complaint narrative:
I am writing to dispute the inaccurate information that appears in my credit report concerning XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX installment accounts. After carefully reviewing my credit reports from all three major credit bureaus, I have identified specific inconsistencies or potential errors as follows : ( I have highlighted all inaccuracies below attached with report. ) ** Payment Status vs. Payment History Mismatch** : The account numbers reported by Trans Union XXXX not match the account numbers reported by the other two bureaus. This discrepancy suggests a possible error in the recording of my account information.

**Opened Date vs. Term and Close Date** : The account dates vary slightly different across bureaus.

**Two-Year Payment History** : There are inaccuracies and inconsistencies in the late payment information when compared with the records from other bureaus.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ), if a credit bureau can not verify disputed information, it must either correct or remove that information from your credit report. 

The FCRA requires that all information given to credit bureaus be accurate and verifiable. Given the discrepancies listed above, I kindly request that an immediate investigation be conducted, and corrections be made to reflect accurate information on my credit report.

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 2025-03-09 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: TX

Complaint narrative:
I am writing to dispute the inaccurate information that appears in my credit report concerning XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX installment accounts. After carefully reviewing my credit reports from all three major credit bureaus, I have identified specific inconsistencies or potential errors as follows : ( I have highlighted all inaccuracies below attached with report. ) ** Payment Status vs. Payment History Mismatch** : The account numbers reported by Trans Union XXXX not match the account numbers reported by the other two bureaus. This discrepancy suggests a possible error in the recording of my account information.

**Opened Date vs. Term and Close Date** : The account dates vary slightly different across bureaus.

**Two-Year Payment History** : There are inaccuracies and inconsistencies in the late payment information when compared with the records from other bureaus.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ), if a credit bureau can not verify disputed information, it must either correct or remove that information from your credit report. 

The FCRA requires that all information given to credit bureaus be accurate and verifiable. Given the discrepancies listed above, I kindly request that an immediate investigation be conducted, and corrections be made to reflect accurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MN

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against XXXX XXXX  for Inaccurate Debt Collection and Fair Credit Reporting Act Violations To Whom It May Concern, I am filing a formal complaint against XXXX XXXX  for attempting to collect an inaccurate and inflated debt from me in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). XXXX XXXX is attempting to collect {$1400.00} for a daycare-related debt, despite the fact that I only ever owed {$600.00}. 

Additionally, I was never given an opportunity to dispute or verify the debt because the daycare provider provided XXXX XXXX with an incorrect address. As a result, I did not receive proper notice of the debt before it was sent to collections. 

This practice is unfair, deceptive, and unlawful for the following reasons : Under 15 U.S.C. 1681s-2, debt collectors and furnishers must ensure that reported debt is accurate and complete. XXXX XXXX failed to do so. 
Under 15 U.S.C. 1692g ( b ), consumers have the right to dispute a debt before collection efforts continue, but I was denied this right due to their failure to provide proper notice.

The incorrect amount being reported has negatively impacted my credit score and financial standing, despite the fact that it is not a valid debt.

I am requesting the CFPB to investigate XXXX XXXX for their failure to follow federal debt collection and credit reporting laws. Specifically, I request that : 1. XXXX XXXX cease all collection efforts until the debt is properly validated. 
2. XXXX XXXX correct or remove any inaccurate credit reporting related to this debt. 
3. The CFPB take appropriate action to hold XXXX XXXX accountable for their deceptive and unfair collection practices. 

I have attached supporting documentation, including any communication related to this debt. Please let me know if additional information is required. 

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

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: GA

Complaint narrative:
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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CarMax, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Subject : Dispute of Inaccurate Reporting and Violation of 15 USC 1681 S-2 ( F ) and 15 USC 1666B ACCOUNTS XXXX XXXX Carmax Auto Finance XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. XXXX, XXXX. XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX hope this letter finds you well. This will be my second attempt regarding this matter of the inaccurate reporting of my accounts, which is in violation of the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 S-2 ( F ) and 15 USC 1666B . 

I reviewed my credit report and discovered that late payments were reported from XXXX XXXX XX/XX/XXXX. I would like to list Carmax Auto Finance and XXXX XXXX, to bring to your attention the fact that these late payments occurred during the period covered by the XXXX XXXX which provided temporary relief for consumers facing financial difficulties due to the XXXX XXXX Not only were these late payments covered, but I called Carmax Auto Finance and XXXX XXXX, due to the hardship, made accommodations, and was assured the account would remain in good standing during this time frame. I am hoping this is a billing error, however it is still in violation of 15 USC 1666B. 

Under XXXX XXXX, I was entitled to certain protections, including forbearance options and relief from adverse credit reporting for accounts in good standing prior to the pandemic. I am requesting that these late payments are removed from these accounts and updated. These late payments are severely affecting my ability to obtain credit and are violating my consumer rights. 


I appreciate your prompt attention to this matter and expect a thorough investigation into the reported inaccuracies. Please provide me with written confirmation of the resolution and any corrections made to my credit report. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM A PART OF THE DATA BREACH AND MY INFORMATION WAS IMPROPERLY USED WHICH LED TO UNAUTHORIZED ACCOUNTS AND INQUIRIES. 




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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 2025-03-09 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: MD

Complaint narrative:
Dear Student Privacy Policy Office, I am writing to formally file a complaint regarding a potential violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ). I have recently become aware that XXXX XXXX has had access to Department of Education ( DOE ) records, despite not being an official member of the government and without my authorization. This raises serious concerns about the unauthorized access and potential misuse of my private educational records. 

As a student at XXXX XXXX, I expect my educational records to be maintained in strict compliance with FERPA regulations. I am requesting a formal investigation into this matter and would appreciate clarification on whether my records have been accessed inappropriately. Additionally, given the severity of this breach, I am seeking relief for both my past and future student loans while this issue is being addressed. 

Please confirm receipt of this complaint and advise me on the next steps in the investigation process. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation