vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] [ Experian ] [ XXXX XXXX XXXX XXXX, TX XXXX ] Subject : Dispute of Inaccurate Information on Credit Report 15 U.S.C. 1681o Dear Sir/Madam, I am writing to formally dispute the following information on my credit report. I have reviewed my report and found the following inaccuracies, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, relating to civil liability for violations. 

Item to be Disputed : [ XXXX XXXX XXXX Account Number : XXXX Nature of the Dispute : I believe the information is inaccurate, including details like incorrect account balances, dates, or the presence of accounts that do not belong to me. ] Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, I am requesting that you investigate this dispute and correct any errors. The information in question does not accurately reflect my financial history, and I am requesting the removal or correction of the disputed information.

Additionally, I would like to remind you that under 15 U.S.C. 1681o, I am entitled to civil liability for any damages caused by the inclusion of inaccurate or unverified information on my credit report. If the dispute is not resolved in accordance with the FCRA, I will consider all available options for seeking redress, including legal action. 

Please conduct a full investigation and provide me with written confirmation of the resolution, including a copy of the updated credit report once the dispute is resolved. 

Enclosed are copies of the relevant documents supporting my dispute, including [ any documentation you are submitting such as billing statements, letters, or court documents ]. 

Thank you for your prompt attention to this matter. Please provide me with the results of your investigation within 30 days, as required by law. 

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 non-monetary relief
Consumer complaint received 2025-02-11 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: NM

Complaint narrative:
I am beyond frustrated with the repeated errors on my report. No matter how many times I try to address this, I keep finding mistakes that are damaging my score and blocking me from financial opportunities. I have done my partIve checked, Ive disputed, and yet the errors remain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-02-11 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: UT

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I had applied for a mortgage assumption from my mortgage company and was denied. I wanted my daughter and her husband to take it over because I want to put the deed under their names since they help with the payments. The company sent me the mortgage assumption packet and we filled it all in and sent it back. Now they are saying the it in not assumable after they had told me in an email and on phone call the it was. If it wasn't then why send out the packet. They are saying that if they are still interested in the mortgage then they can help to see what finance is better for them. Yea right for they can charge more interested I wasn't born yesterday .We live of social security and we don't want the burden of paying for that house since we already have one that we live in.

I told the company that if they can sell my loan to another company without my consent then why can we sell it to another family member and their excuse is we can't do that. XXXX this is America fair is fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: WI

Complaint narrative:
I can not express how upsetting it is to see my financial future being affected by careless errors on my report. These inaccuracies are dragging my score down and preventing me from securing opportunities that I should have access to. It is completely unacceptable that I have to keep dealing with this.

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 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I tried to sell my second-hand jewelry online. On XX/XX/year>, I arranged to meet a buyer in front of XXXXXXXX XXXX XXXX XXXXXXXX for an in-person transactionexchange the item for payment. 

After I handed over my jewelry, the buyer first sent me {$3500.00} via XXXX. Then, since her XXXX account had a transfer limit, she sent me another {$500.00} through XXXX. 

However, on XX/XX/XXXX, the buyer suddenly opened a case on XXXX, claiming that the {$500.00} transaction was unauthorized. I received an email from XXXX asking me to provide evidence. I described the situation in detail and attached proof that she had also sent me {$3500.00} via XXXX, demonstrating that the {$500.00} XXXX payment was indeed made by her. 

Despite my detailed evidence, XXXX ruled in favor of the buyer and refunded the {$500.00} to her. Even though I had clear proof that the transaction was legitimate, I still lost the money. 

This was my first time accepting a payment from a stranger through XXXX, and I never expected something like this to happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: TX

Complaint narrative:
Navy federal is currently in an open lawsuit for members who had a checking account between the years of XXXX and XXXX which I did. This bank was letting my debit card transactions go thru knowing the funds were not in the account just to charge me an overdraft fee. In addition, there were discrepancy concerning my connected XXXX account to my checking account that also created over draft fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, we purchased a used vehicle from CarMax with an auto loan for {$19000.00} at an APR of 19.39 %. However, we decided to return the vehicle within the XXXX return policy, and CarMax accepted the return on XX/XX/XXXX. 

On XX/XX/XXXX, we discovered that the auto loan is still being reported on all three major credit bureaus ( XXXX, XXXX, and XXXX ), despite the vehicle being returned more than XXXX months ago. Additionally, the account was reported as over 30 days late, which has negatively impacted my XXXX XXXX. 

We contacted CarMax Auto Finance to request correction of this error and compensation for the financial impact, as this incorrect reporting has prevented us from refinancing another auto loan. However, CarMax refused to provide any compensation and only stated that the credit bureaus may take up to 60 days to process the correction. 

This error, caused by XXXX failure to report the return in a timely manner, has directly resulted in financial harm by delaying our ability to refinance at a lower interest rate. As a result, we are being forced to pay a higher interest rate on our current auto loan until the dispute is resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
No closing date of lease on report and late payment reported incorrectly

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 2025-02-11 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: NY

Complaint narrative:
I am filing this complaint against Experian for failing to properly investigate my disputes and for verifying inaccurate information as accurate, despite clear evidence to the contrary. I have attempted to resolve these errors multiple times through various dispute channels ( mail, phone, and online ), yet the inaccuracies persist on my credit report. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) and further demonstrates Experians failure to conduct reasonable reinvestigations as required by law. 

Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for conducting sham investigations into consumer disputes, failing to properly review evidence, and illegally rejecting valid disputes without a reasonable investigation. ( Source : CFPB Sues Experian for Sham Investigations of Credit Report Errors, Consumer Financial Protection Bureau, https : //www.consumerfinance.gov/about-us/newsroom/cfpb-sues-experian-for-sham-investigations-of-credit-report-errors/ ). 

This lawsuit highlights XXXX pattern of negligence, and my situation is yet another instance of their failure to conduct a proper investigation and correct inaccuracies on consumer reports.

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 2025-02-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: NC

Complaint narrative:
The mistakes on my report are not just frustratingthey are causing me real financial harm. I have already lost opportunities because of these errors, and I refuse to continue being penalized for something that is not my fault. This is unacceptable, and it needs to be fixed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: HI

Complaint narrative:
I've been having a lot of trouble contacting Mohela customer service in regards to my loan balance. The wait times for customer service are XXXX plus hours and when I do get in touch after waiting they transfer me to another department which can take another XXXX plus hours and by that time they are closed and unable to help. 

I need them to recalculate my loan balance because I have records showing that I fully paid my loan and was actually due for a refund as per the notification they sent me back in of XX/XX/XXXX. 

They sent me a notification XX/XX/XXXX showing that I still owe {$3000.00} plus dollars which is completely inaccurate as I have records showing I paid off my loans as of last year. 

So again I can't get in touch with Mohela to to resolve this inaccuracy and they want me to pay an extra amount because of their mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: MO

Complaint narrative:
I noticed XXXX XXXX XXXX is being reported in a false and negative way on my consumer report. The report contains multiple violations. Please update the XXXX XXXX XXXX reporting to just " updated, paid as agreed ''. I don't need 15 USC 1681 - exclusions being violated considering my transaction history and experience with XXXX XXXX XXXX is being shown on my report. I don't owe XXXX nor has never been late with the company. Please update appropriately according to the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I noticed XXXX XXXX XXXX is being reported in a false and negative way on my consumer report. The report contains multiple violations. Please update the XXXX XXXX XXXX reporting to just " updated, paid as agreed ''. I don't need 15 USC 1681 - exclusions being violated considering my transaction history and experience with XXXX XXXX XXXX is being shown on my report. I don't owe XXXX nor has never been late with the company. Please update appropriately according to the law.

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 2025-02-11 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: NY

Complaint narrative:
I am reaching out regarding an item on my credit report that is not in compliance with FCRA guidelines and does not meet the standard of maximum accuracy required by law.

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 2025-02-11 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiry XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXXXXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act account capital one account, nelnet, and capital one auto account, has violated my rights 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B :
A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: Nelnet, Inc.
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act account XXXX  XXXX account, nelnet, and XXXX XXXXXXXX auto account, has violated my rights 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act my rights have been violated : 15 U.S.C 1681Section 604 A States I have the right of privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an 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 of records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s_2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any information is inaccurate. 
I dont recognize some inquiries on accounts in my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-02-11 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:
In accordance with the Fair Credit Reporting Act my rights have been violated : 15 U.S.C 1681Section 604 A States I have the right of privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an 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 of records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s_2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any information is inaccurate. 
I dont recognize some inquiries on accounts in my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: GA

Complaint narrative:
Its absolutely infuriating that the accounts tied up in pending litigation are still on my credit report. Ive reached out to you time and time again to address the inaccuracies, but Im getting nowhere. My credit score is being negatively affected by accounts that arent even finalized, and its completely unfair.

Company response to consumer: Closed with non-monetary relief