vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with XXXX XXXX XXXX, XXXX XXXX, AND XXXX XXXX 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 XXXX XXXX XXXX. 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 in to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX, XXXX XXXX, AND XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my 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 non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
They take too long to clear my transaction so I add up on overdraft when I have money in my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XX/XX/year> Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " SYNCB/PPC '' ( Account No. XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX et seq., I demand an immediate investigation and removal of this erroneous account within XXXX ( XXXX ) days, or I will pursue legal damages under XXXX U.S.C. XXXX and XXXX for willful and negligent noncompliance. 
Inaccuracies and Violations : Closed Account Due to Inactivity Still Impacting Credit Score The account is marked as " Closed due to inactivity. '' This closure reason should not negatively impact my credit score. Reporting it in a way that affects my creditworthiness violates XXXX XXXX. XXXX ( b ), which mandates accurate reporting.

Unverified Account Closure Reason There is no documented proof that the account was closed due to inactivity rather than voluntarily closed by me. Inaccurate reporting of the closure reason may be misleading.

Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under XXXX XXXX. XXXX ( a ), I demand the immediate deletion of this erroneous account.

Resolution Demanded : Permanently remove this account from my credit report. 
Provide written confirmation of removal within XXXX ( XXXX ) days. 
Cease further reporting of this inaccurate information to avoid further legal liability. 
Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within XXXX ( XXXX ) days from the receipt of this letter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XX/XX/year> Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " SYNCB/PPC '' ( Account No. XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX et seq., I demand an immediate investigation and removal of this erroneous account within XXXX ( XXXX ) days, or I will pursue legal damages under XXXX U.S.C. XXXX and XXXX for willful and negligent noncompliance. 
Inaccuracies and Violations : Closed Account Due to Inactivity Still Impacting Credit Score The account is marked as " Closed due to inactivity. '' This closure reason should not negatively impact my credit score. Reporting it in a way that affects my creditworthiness violates XXXX XXXX. XXXX ( b ), which mandates accurate reporting.

Unverified Account Closure Reason There is no documented proof that the account was closed due to inactivity rather than voluntarily closed by me. Inaccurate reporting of the closure reason may be misleading. 
Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under XXXX XXXX. XXXX ( a ), I demand the immediate deletion of this erroneous account. 
Resolution Demanded : Permanently remove this account from my credit report. 
Provide written confirmation of removal within XXXX ( XXXX ) days. 
Cease further reporting of this inaccurate information to avoid further legal liability. 
Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within XXXX ( XXXX ) days from the receipt of this letter. 
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 2025-01-30 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estopel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX i presume that no proof of the alleged dept, nor therefore any such dept, in fact therefor exist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
the Bureau filed a lawsuit against Acima XXXX, XXXX and Acima Digital, XXXX ( collectively, Acima ), and Acimas founder and former CEO, XXXX XXXX ( XXXX ). Acima purports to offer consumers nationwide a means to lease-to-own consumer goods at the point of purchase online and in stores. The Bureau alleges that Acimas purported leases were actually credit, and that Acima and XXXX violated the Consumer Financial Protection Acts ( CFPA ) prohibition against unfair, deceptive, and abusive acts and practices by : misleading consumers regarding the nature and terms of Acimas agreements, including their exorbitant cost ; materially interfering with consumers ability to understand the terms and conditions of those agreements ; effectively locking consumers into these high-cost financing arrangements by making it difficult for consumers to terminate them and creating unfair barriers to returns ; misrepresenting consumers ability to return goods and the means by which returns could be accomplished ; misrepresenting to consumers that their contracts required the maintenance of autopay ; and providing deceptive advertisements and training to merchants, that created the likelihood that merchants would misrepresent the terms of Acimas agreements, mislead consumers about the ease of returns, and create confusion about whether Acimas product was credit or a lease. The Bureau alleges that XXXX was directly involved in and substantially assisted Acimas violations of the CFPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: CA

Complaint narrative:
I was charged several overdraft fees for less than {$1.00} overage and my debit card was approved for {$2.00} but got charged {$30.00} in overdraft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: GA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: United PanAm Financial Corp.
State: GA

Complaint narrative:
I am mentally XXXX and another individual that is mentally XXXX at which I didn't know at the time of signing the paperwork for the vehicle is mentally XXXX. I didn't know we were signing up for a vehicle loan and I didn't know the individual is mentally XXXX at the signing. I never could afford or pay for the loan. I am illiterate and have a learning XXXX. If I knew we were signing up for a vehicle loan I wouldn't have did it with any individual. Now it's affecting my credit score and stopping me from getting a vehicle and a vehicle loan which I knew no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: FL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I made an appointment with the tattoo artist and was required to Zelle my deposit to confirm my appointment. I made XXXX separate Zelle transactions for my deposit fees. When I went for my appointment the tattoo artist didnt show up nor his assistants who took my deposit fees. I called numerous times and they blocked and cut off all contacts and never refunded me my deposit fee. I filed a claim regarding this with my XXXX XXXX XXXX. They said they would file a claim against this with Zelle and there other parties bank where my funds were transferred to. XXXX XXXX XXXX emailed me today stating that they denied my claim and will not refund me my {$300.00}. This is fraud and theft. I am including proof of the transactions and the denial letter from my credit union.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: CA

Complaint narrative:
Experian 's data breach exposed my PII to companies and individuals which has adversely affected my ability to earn a living and secure my identity from further theft and fraud. There are late payments, false accounts and inaccurate information that need to be removed immediately to prevent further harm and to reinstate compliance with federal regulations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WV

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall 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 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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i have been bateling XXXX trafficking case for the past XXXX  years, it seems like it doesnt go away and it feels like im fighting for my life over here which it doesn't make any sense, especially with all the supporting documents i have provided so support my claim in 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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, XXXX, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] Experian XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Formal Dispute of Inaccurate Credit Report Entry XXXX XXXX XXXX To Whom It May Concern, I am formally disputing the inaccurate and erroneous reporting of an account from XXXX XXXX XXXX on my credit report. This account is being falsely reported as a charge-off and collection account, which is completely inaccurate, misleading, and unverifiable under the Fair Credit Reporting Act ( FCRA ). 

The details of the erroneous account are as follows : Creditor Name : XXXX XXXX XXXX Account Status : Charged Off / Collection Balance Reported : {$34000.00} Remarks : Charged-off account, auto loan, first payment never received This account is incorrect and should be removed immediately for the following reasons : XXXX. Inaccurate Balance & Status The reported balance and past-due amounts are inconsistent and unverifiable. I demand strict validation of the exact amount owed, including all supporting documents. If XXXX XXXX XXXX can not verify this, the account must be removed. 
XXXX. Failure to Notify I was never properly notified regarding this alleged charge-off, which is a direct violation of my rights under the FCRA. 
XXXX. Unlawful Reporting of First Payment Issue The remarks claim that the first payment was never received, which suggests an issue with the lender, not my responsibility. Reporting this as a charge-off is unfair and misleading. 
XXXX. Fair Credit Reporting Act ( FCRA ) Violation As per XXXX U.S.C. XXXX, all reported information must be 100 % accurate, verifiable, and timely. If the credit bureaus fail to validate this account with complete documentation, including original creditor agreements, payment history, and legal proof of charge-off, this entry must be deleted immediately. 

I demand that this account be fully investigated and removed from my credit report within 30 days as required by law. Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office for willful non-compliance with federal laws. 

Please respond in writing to confirm that this account has been removed or provide legal proof of its validity. If no response is received within the legally required time frame, I will assume that the account is unverifiable and must be permanently deleted. 

I have attached a copy of my drivers license, social security card, and a recent for identification purposes. 

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CT

Complaint narrative:
Cash app somebody was able to withdraw {$1500.00} out of my cash app and is no one to talk too about it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have multiple accounts on my credit that were not opened by me, i have told the a few of them and also filed identity theft and have not heard but nor was it removed from my account. 
I have froze my credit account and within the law of FCRA it should be removed. I tried to do a sweep and my items were still not removed within XXXX days under section XXXX I will attach the accounts below Account XXXX XXXX XXXX XXXX XXXX  XXXX accounts XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
my bank ( XXXX XXXX ) said they transferred {$3000.00} on XX/XX/XXXX to XXXX based upon a " auto-debt '' request received from XXXX. The {$3000.00} funds were " removed '' from my account. But never " posted '' as payment received by XXXX. 

XXXX says they never received the money, and said that in fact XXXX received an NSF response from XXXX XXXX. 

XXXX XXXX denies ever sending an NSF response. XXXX XXXX confirms they no longer have the {$3000.00}. 

Both XXXX institutions say they don't have the money -- and I ( the consumer ) have {$3000.00} " lost '' in the XXXX transactions world. Neither institution will call the other -- they only want to talk with me and send me emails. I have made no progress is finding my " {$3000.00} '' since XXXX XXXX and repeatedly get " misinformation '' or " redirection '' from XXXX. Their " left hand / right hand '' does not communicate and gives the impression of fraudulent business practices so they can claim deniability of operational errors. 

I'm requesting a Fraud Investigation be opened on both XXXX XXXX and XXXX Mortgage so that I can ... XXXX ) receive my {$3000.00} back. XXXX ) If XXXX is at fault, I want he {$25.00} late fee charged to be reimbursed and XXXX ) whomever is at fault for " loosing '' my {$3000.00} -- I want interest to be repaid to me from XX/XX/year> when it was removed from my checking account. 

I have provided screen prints and documentation with both institutions as well as a timeline in my attachment. 

First PDF Attachment : Attachment pages XXXX -- provide the timeline of communications Attachment page XXXX -- provides screen print of XXXX XXXX XXXX Attachment pages XXXX - provides screen prints and emails with XXXX XXXX Second PDF XXXX : Attachment pages XXXX - provides screen prints of Chat Session with XXXX Attachment pages XXXX - provides screen prints of XXXX XXXX XXXX message center.

Company response to consumer: Closed with explanation