vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: NV

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-02-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NM

Complaint narrative:
I had two student loans with XXXX and they were bought out by Firstmark. One of them is co-signed by my moms ex-husband and he is going through bankruptcy. I am trying to refinance so I can get rid of co-signers ( because of the bankruptcy ). However, despite me making payments on time for several months now, as a result of my co-signers bankruptcy, Firstmark wont give me my statement balance ( which I need in order to refinance ). I called to explain the situation and also to ask why they have not applied the last two checks I sent ( for {$200.00} each ) to my loan. Instead of trying to find a solution to get me my statement balance or even see why the checks have not been applied, the supervisor I spoke to immediately started pointing blame elsewhere and tried to explain to me how the U.S. Postal System works. I explained to her that 1. Im an adult who knows how the Postal System works and 2. I have already sent them checks, so I know about how long it takes to receive and apply them and it has never taken 2+ weeks ( its been over 2 weeks since I sent the checks ). She then proceeded to ask if I sent them to the correct address. So, again, I informed her that I have already sent checks to Firstmark which have been applied to my loan, so yes, I sent them to the correct address. She then tried to explain the Postal Service to me again never once tried to solve the actual problems at hand, just made up excuses and blamed the postal service. So I cant make payments, cant refinance, but THEY ARE STILL CHARGING ME INTEREST. Doesnt seem fair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: AZ

Complaint narrative:
I cant stress enough how frustrated I am with the errors on my report. These inaccuracies are dragging my score down and costing me real opportunities. Ive worked hard to manage my finances, and its completely unfair to see my efforts undone by someone elses mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MI

Complaint narrative:
I believe I was misinformed about my student loans during my XXXX years at XXXX XXXX University, from XXXX to XXXX. I was not fully informed about the specifics of my loan disbursements, the timing of payments, or the amount that would need to be repaid. As a student already managing personal challenges, it is essential to have a financial adviser who can fully explain and certify the details of loan agreements, rather than relying on automated systems or questionnaires from XX/XX/XXXX. This guidance is crucial to prevent students from accumulating debt they may struggle to repay after graduation. Additionally, students should receive clear advice on whether their chosen major or career path will provide a sufficient income to manage loan repayment in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: United PanAm Financial Corp.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXX/XX/XXXX, 2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Subject : Formal Demand for Arbitration Regarding Charged-Off Account # XXXX XXXX To Whom It May Concern, I am writing in response to your recent verification of the charged-off account referenced above.

After careful review, I dispute the validity of this debt and hereby elect to resolve this matter through private arbitration, as outlined in the original agreement governing this account.

Pursuant to the arbitration clause within the contract associated with this account, I am exercising my right to compel arbitration as the exclusive method of resolving any disputes between us, including but not limited to the alleged debt and its reporting. Please be advised that any further collection efforts outside of arbitration may be in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the contractual provisions of arbitration.

I request that you immediately cease all collection activities, including credit reporting, and provide me with a copy of the arbitration agreement applicable to this account. If you refuse to honor my demand for arbitration, I will consider this a breach of contract and will take appropriate legal action, which may include filing a motion to compel arbitration in a court of law.

Please respond in writing within 30 days confirming your intent to proceed with arbitration.

Failure to do so will result in my taking necessary steps to enforce my rights under the agreement and consumer protection laws. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: TN

Complaint narrative:
I am formally disputing the inaccurate information currently listed on my credit report. This error is unacceptable, and I demand that it be corrected or completely removed without any further delay.

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 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX LVNV Funding LLC Care of Resurgent Capita XXXX, SC XXXX Subject : Cease and Desist letter for in accurate reporting of an unauthorized account Dear LVNV Funding LLC, am writing to formally demand that you immediately cease and desist from reporting in accurate and erroneous information regarding on an account that is not mine to the credit reporting agencies. Your continued reporting this false information is damaging my credit score and causing undue financial harm specifically, I have identified an account that appears on my credit report which I have never authorized. I have not entered into any agreement or contract with your company regarding this alleged debt. Your reporting of this information is in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681 s-2 ( b ) and Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C1692e ( 8 ), which prohibit the furnishing of inaccurate information and deceptive collection practices. Please provide written information within 30 days that this account has been removed from my credit report.

I demand the following actions be taken immediately : Cease and desist all reporting of this unauthorized account to the credit bureaus ( XXXX, XXXX, XXXX ) Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. 
PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT. Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
Accounts Impacted : XXXX XXXX XXXX Account number- XXXX, XXXXXX/XX/XXXX Account number- XXXX, XXXX XX/XX/XXXXXX/XX/XXXX Account number- XXXX, XX/XX/XXXX- Account number- XXXX, XXXXXX/XX/XXXX- Account number- XXXX, XX/XX/XXXX- Account number- XXXX, XX/XX/XXXX- Account number- XXXX, XX/XX/XXXX- Account XXXX XXXX, XX/XX/XXXX Account number- 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 2025-02-05 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: AZ

Complaint narrative:
I cant stress enough how frustrated I am with the errors on my report. These inaccuracies are dragging my score down and costing me real opportunities. Ive worked hard to manage my finances, and its completely unfair to see my efforts undone by someone elses mistakes.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX reported with XXXX and alleged to be XXXX  Alleged is reported in deficiency of reporting mandates and or protocols therefore the obfuscation must be eradicated as is my licitly requested resolution, please do so HERE AND NOW! This claim has indicated ailments in at least one or more of the following reported data fields jeopardizing its credibility and integrity as reported when reported : XXXX XXXX reported with XXXX and alleged to be XXXX  Alleged is reported in deficiency of reporting mandates and or standards therefore the sophism must be eradicated as is m y legally requested resolution, please do so HERE AND NOW! This claim has acclaimed ailments in at least one or more of the following reported data fields jeopardizing its credibility and integrity as reported when reported :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: AL

Complaint narrative:
XXXX XXXX reported with XXXX and alleged to be XXXX  Alleged is reported in deficiency of reporting mandates and or protocols therefore the obfuscation must be eradicated as is my licitly requested resolution, please do so HERE AND NOW! This claim has indicated ailments in at least one or more of the following reported data fields jeopardizing its credibility and integrity as reported when reported : XXXX XXXX reported with XXXX and alleged to be XXXX  Alleged is reported in deficiency of reporting mandates and or standards therefore the sophism must be eradicated as is m y legally requested resolution, please do so HERE AND NOW! This claim has acclaimed ailments in at least one or more of the following reported data fields jeopardizing its credibility and integrity as reported when reported :

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Trans union and Experian failed to look into my improper credit reporting when I requested them to. They also didnt request or provide documentation from the companies that inquired my credit report for authorization.

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 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
As of XX/XX/year>2025 I have been locked out of my checking accounts within Truist bank. When trying to login I am prompted to call the fraud department and when doing so I was told the case is under review and I am to call again for an update on XX/XX/XXXX. I am a single mom of 3 and at this current time have no access to my funds as well as not being able to pay bills. They did not contact me beforehand to see if I suspected any fraud, if they did I would have told them no. I got 2 larger deposits in my account and withdrew one on Friday and the tried to withdraw the second on Saturday which was met with the bank clerk informing me that the money has not cleared. This was not accurate information and I then had to go and transfer money to another account and also go to another bank in order to get a cash advance to get the money. At no point in the conversation with the clerk did she or I mention any fraud. All of this could have been prevented by the clerk giving me my money that is rightfully mine within my account. Truist is now holding my funds and will be causing late fees on my payments because I am unable to pay them on time. I also have 2 employees that send direct deposits to my account on Friday ( XXXX ) and I do/can not have these funds held up.

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 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC PLEASE REMOVE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS AND INQUIRIES 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to 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 non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX of XXXX I had a little over {$500.00} USD in my bitcoin investing account on cash app. It had been increasing from the original amount of {$40.00} USD that I invested back in XXXX. On this day I was trying to make a bitcoin transaction to another account. During the transaction a message popped up suggesting that I update the app in order to complete the transaction. Once the app ( cash app ) updated my crypto currency on cash app had disappeared. I reached out to an automated chat ( the only help/assistance that cash app offers ) that was supposed to help me figure out what happened but instead did nothing as I waited for a response. I have been left with no way to find out where my money went or how to get it back. Suffering from financial lost and late payments do to these fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX this is not my 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