vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NY

Complaint narrative:
XX/XX/XXXX - Submitted Income-Driven Repayment ( IDR ) Plan on studentaid.gov to swap from SAVE to IBR. Submitted application, uploaded XXXX tax forms. 
XX/XX/XXXX - Application set as " review '' XXXX weeks later called XXXX, they said its still processing. I never was placed on a processing forbearance that counts for PSLF. 

XX/XX/XXXX : U.S. Department of Education sent an email stating " If you submit an application to enroll in an IDR plan other than SAVE, but your loan servicer is unable to process your application within 10 business days of receiving the application or before your next billing statement will be sent, you will be moved into a processing forbearance for up to 60 days. During this period, you do not have to make your monthly payments on your student loans, interest is accruing, and time spent does provide credit toward PSLF* and IDR '' ~XXXX  XXXX XXXX Tried uploading the application directly to XXXX, was not acknowledged. 

Still not in processing forbearance, its coming up on almost 60 days since the submission of the original IDR plan change.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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 have been a victim of identity theft and my personal information has been leaked in several entities. I have several inquiries on my Experian report that I have not or ever authorized. Experian 's response was that inquiries remain on my report for XXXX years and did not remove them. The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate : Transunion Account ( Name : XXXX XXXX  Acct. # XXXX ) Equifax Account ( XXXX : XXXX XXXX, Acct. # XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: Portfolio Recovery Associates, LLC
State: NE

Complaint narrative:
I've disputed incorrect information on my credit report with all XXXX Bureaus and I have proof that it was removed and then it shows right back up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: Central Portfolio Control Inc.
State: NE

Complaint narrative:
I've disputed incorrect information on my credit report with all XXXX Bureaus and I have proof that it was removed and then it shows right back up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: TX

Complaint narrative:
Experian has failed to fulfill legal obligation under a fair credit reporting act FRCA to conduct a reasonable reinvestigation of disputed information on my cresdit 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 evidences to finishers accepting unreliable responses and failing to adequately notify consumers of disputed information outcomes.These failures align with my experience where experian has neither corrected or removed disputed items despite the evidences I provided, causing ongoing harm to my credit standing.

I am requesting immediate corrective action to remove or amend the disputed accounts as experians inaction violates federal law and my rights as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX XXXX XXXXXX/XX/2023

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 2025-02-07 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX XXXX XXXXXX/XX/2023

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 2025-02-07 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: AL

Complaint narrative:
I am filing a complaint with Equifax for failing to properly investigate my disputes regarding an accuracy in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax compliance with federal law and provide consumers with a necessary proof of investigation. I am requesting the accounts that were disputed on the latest investigation, in the past XXXX years be deleted.

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 2025-02-07 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: AL

Complaint narrative:
I am filing a complaint with Equifax for failing to properly investigate my disputes regarding an accuracy in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax compliance with federal law and provide consumers with a necessary proof of investigation. I am requesting the accounts that were disputed on the latest investigation, in the past XXXX years be deleted.

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 2025-02-07 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: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-07 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:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts 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 issues aligns with the recent XXXX 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 2025-02-07 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: MO

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX Dear Experian Dispute Department , I am writing to formally dispute inaccurate information on my credit report under 12 CFR Part 1002 ( Regulation B of the Equal Credit Opportunity Act ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ).

Upon reviewing my credit report, I have identified factual errors in the reporting of the account from XXXX XXXX XXXX  ( Account Number : XXXX ) that violate my rights under federal law. 
Specific Errors Identified : Inaccurate Reporting of Delinquencies ( 12 CFR 1002.4 ( a ) Prohibited Misrepresentations ) The account was charged off in XX/XX/XXXX, but late payments continue to be reported through XX/XX/XXXX. 
Once an account is charged off, new missed payments should not be reported because the debt is no longer an active, revolving obligation. 
This misleading reporting creates continuous damage to my credit score and violates 12 CFR 1002.4 ( a ), which prohibits misrepresenting the status of a credit obligation.

Contradictory Account Information ( 12 CFR 1002.6 ( b ) ( 6 ) Accuracy of Information ) The account shows a credit limit of {$700.00}, but the reported balance after charge-off is {$970.00}, which exceeds the credit limit.

This suggests either improper reporting of fees or a balance that was inaccurately updated after charge-off.

This violates 12 CFR 1002.6 ( b ) ( 6 ), which requires credit information to be reported accurately, including correct balance and credit limit details.

Failure to Provide Accurate Account Status ( 12 CFR 1002.10 Furnishing of Credit Information ) The balance history shows that no payments have been made since at least XX/XX/XXXX, yet the report continues to mark the account as actively delinquent every month. 
If the charge-off occurred in XX/XX/XXXX, ongoing delinquencies should not be reported because the account is no longer accruing new missed payments. 
This failure to update the account properly violates 12 CFR 1002.10, which mandates that creditors ensure credit information is accurate and current. 
Violation of My Consumer Rights Under 12 CFR Part 1002 : 12 CFR 1002.10 Furnishing of Credit Information requires that reported credit data must be correct and updated. The erroneous delinquency reporting violates this rule.

12 CFR 1002.9 Notifications requires that adverse actions based on credit reporting be properly communicated. This reporting error constitutes an adverse action that has not been properly disclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: MO

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX Dear Experian Dispute Department , I am writing to formally dispute inaccurate information on my credit report under 12 CFR Part 1002 ( Regulation B of the Equal Credit Opportunity Act ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ).

Upon reviewing my credit report, I have identified factual errors in the reporting of the account from XXXX XXXX XXXX  ( Account Number : XXXX ) that violate my rights under federal law. 
Specific Errors Identified : Inaccurate Reporting of Delinquencies ( 12 CFR 1002.4 ( a ) Prohibited Misrepresentations ) The account was charged off in XX/XX/XXXX, but late payments continue to be reported through XX/XX/XXXX. 
Once an account is charged off, new missed payments should not be reported because the debt is no longer an active, revolving obligation. 
This misleading reporting creates continuous damage to my credit score and violates 12 CFR 1002.4 ( a ), which prohibits misrepresenting the status of a credit obligation.

Contradictory Account Information ( 12 CFR 1002.6 ( b ) ( 6 ) Accuracy of Information ) The account shows a credit limit of {$700.00}, but the reported balance after charge-off is {$970.00}, which exceeds the credit limit.

This suggests either improper reporting of fees or a balance that was inaccurately updated after charge-off.

This violates 12 CFR 1002.6 ( b ) ( 6 ), which requires credit information to be reported accurately, including correct balance and credit limit details.

Failure to Provide Accurate Account Status ( 12 CFR 1002.10 Furnishing of Credit Information ) The balance history shows that no payments have been made since at least XX/XX/XXXX, yet the report continues to mark the account as actively delinquent every month. 
If the charge-off occurred in XX/XX/XXXX, ongoing delinquencies should not be reported because the account is no longer accruing new missed payments. 
This failure to update the account properly violates 12 CFR 1002.10, which mandates that creditors ensure credit information is accurate and current. 
Violation of My Consumer Rights Under 12 CFR Part 1002 : 12 CFR 1002.10 Furnishing of Credit Information requires that reported credit data must be correct and updated. The erroneous delinquency reporting violates this rule.

12 CFR 1002.9 Notifications requires that adverse actions based on credit reporting be properly communicated. This reporting error constitutes an adverse action that has not been properly disclosed.

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 2025-02-07 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:
I am filing a complaint to formally dispute inaccuracies in my credit report and to demand compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further validated by the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit alleging Experians failure to properly investigate consumer disputes, as well as improper reinsertion of inaccurate information on consumer reports. 

I have identified the following inaccuracies in my credit report that require immediate correction or deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} 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 explanation
Consumer complaint received 2025-02-07 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 have reached out to experian multiple times for the removal of this inquiry. This inquiry was made without my approval or knowledge. This letter has been sent multiple times and no help or resolution has been made. 

Subject : Request for Inquiry Removal XXXX XXXX XXXXXXXX XXXX XXXX  New Individual XX/XX/year> Dear Sir/Madam, I hope this message finds you well. I am writing to formally request the removal of a credit inquiry that was reported on my credit report under the name XXXX XXXX XXXX XXXX XXXX , dated XX/XX/year>. 

The inquiry was made under the assumption of my authorization, but I believe it was either processed in error or does not align with my intentions. I would like to kindly request that you investigate the matter and remove this inquiry from my credit report. 

Please find the following details for reference : Inquiry Date : XX/XX/year> Company Name : XXXX XXXX XXXX Auto Dealers Type of Inquiry : New Individual I would greatly appreciate your assistance in resolving this matter at your earliest convenience. Please do not hesitate to contact me if further information is required. 

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

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 2025-02-07 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: NY

Complaint narrative:
I have reached out to experian multiple times for the removal of this inquiry. This inquiry was made without my approval or knowledge. This letter has been sent multiple times and no help or resolution has been made. 

Subject : Request for Inquiry Removal XXXX XXXX XXXXXXXX XXXX XXXX  New Individual XX/XX/year> Dear Sir/Madam, I hope this message finds you well. I am writing to formally request the removal of a credit inquiry that was reported on my credit report under the name XXXX XXXX XXXX XXXX XXXX , dated XX/XX/year>. 

The inquiry was made under the assumption of my authorization, but I believe it was either processed in error or does not align with my intentions. I would like to kindly request that you investigate the matter and remove this inquiry from my credit report. 

Please find the following details for reference : Inquiry Date : XX/XX/year> Company Name : XXXX XXXX XXXX Auto Dealers Type of Inquiry : New Individual I would greatly appreciate your assistance in resolving this matter at your earliest convenience. Please do not hesitate to contact me if further information is required. 

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

Company response to consumer: Closed with explanation