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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea how it got there. I routinely check my report, but this time, an unexpected discrepancy appeared out of nowhere. I even refreshed my browser, hoping it was just a glitch, but it remained. This situation is extremely frustrating, and I need the documents Ive submitted to be carefully reviewed so that I can finally put this issue behind me.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Seeing an unauthorized inquiry on my credit report this morning was both confusing and infuriating. I check my report regularly, and I wasnt expecting this at all. I even tried refreshing the page, hoping it was just a system error, but the issue persisted. I need this matter addressed immediatelyplease review my submitted documents carefully so I dont have to go through this stress again.

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 status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 USC Code 1681eb. 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. 15 USC 1666b 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!

15 USC 1666b ( a ) Time to make payments A creditor XXXX 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

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

Delete the late payments from my XXXX  reports

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This morning, I found out that my credit report contains incorrect accounts, and I don't understand why. I routinely check my report, but this time, I noticed discrepancies that werent there before. Hoping it was just a browser issue, I refreshed the page, but the errors didnt disappear. Due to this concern, I am asking for a careful review of the documents I submitted to ensure I wont have to deal with this problem again.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Block, Inc.
State: MI

Complaint narrative:
I have been using Cash App for quite some time now every time I want to dispute a item or problem with my card being unauthorized, I could never get in contact with customer support or any live agent to resolve any of my issues or concerns with my Cash App account when attempts are being made. 
Ive requested several times for a replacement card due to unauthorized activities and have failed yet to respond

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: VA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX 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 2025-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
I have made numerous phone calls and submitted multiple letters requesting that Mr. Cooper resume reporting my payment history to the credit bureaus following the discharge and closure of my XXXX  XXXX case. They have repeatedly told me that this would happen but continue to move the timeline for when it will start being reported again.

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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX  {$130.00} XXXX XXXX  {$420.00} XXXX XXXX  {$650.00} XXXX XXXX  {$660.00} XXXX XXXX {$240.00} XXXX XXXX {$1100.00} XXXX  {$850.00} XXXX XXXX {$890.00} XXXX XXXX  {$170.00} XXXX  XXXX {$250.00} XXXX  XXXX {$480.00} XXXX XXXX  is reporting different balances on different reports. Notified this company several times that my personal information was and still is reporting as being apart of a data breach with the accounts not being investigated properly.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised serious concerns about Equifaxs failure to conduct proper investigations. The CFPB alleges in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, contrary to its obligations under the Fair Credit Reporting Act ( FCRA ). 

Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax must conduct a thorough reinvestigation of disputed items within 30 days. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) requires that any inaccurate, incomplete, or unverifiable information be corrected or removed promptly. Failure to meet these requirements constitutes a federal law violation. 

Despite my repeated disputes and providing all necessary information, these items remain unverified. This inaction has caused significant financial harm and emotional stress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX Account Number : XXXX Amount : {$6900.00} Date of Account : XX/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 2025-01-30 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: MI

Complaint narrative:
XXXX XXXX! I have won the dispute several times regarding no late payment due to them giving me false information regarding a payment they agreed to remove it because it was not my fault the payment was late after representative gave me the incorrect information however it has not been removed! I keep having to dispute after I WON the dispute with TransUnion! Nothing has been taken off and I have been fighting this since XXXX after I WIN every time but nothing is updated! 

XXXX  XXXX! XXXX dispute as well about late payment and it hasnt been taken off! Every time I dispute they update info with OLD info. I do not have an outstanding balance with XXXX  they are paid up however they keep reporting when I dispute that I owe {$75.00} which says from XXXX it is almost XXXX. These things were been suppose to be removed and I cant get a house or anything with it out my credit after agreeing to remove!

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: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
XXXX XXXX! I have won the dispute several times regarding no late payment due to them giving me false information regarding a payment they agreed to remove it because it was not my fault the payment was late after representative gave me the incorrect information however it has not been removed! I keep having to dispute after I WON the dispute with XXXX! Nothing has been taken off and I have been fighting this since XXXX after I WIN every time but nothing is updated! 

TARGET financial! Won dispute as well about late payment and it hasnt been taken off! Every time I dispute they update info with OLD info. I do not have an outstanding balance with target they are paid up however they keep reporting when I dispute that I owe {$75.00} which says from XXXX it is almost XXXX. These things were been suppose to be removed and I cant get a house or anything with it out my credit after agreeing to remove!

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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am formally disputing the late payment entries on my credit report : XXXX  XXXX - XXXX - {$5700.00} XXXX  XXXX XXXX - XXXX - {$0.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc.
State: MS

Complaint narrative:
Avant credit card I had received a letter in the mail saying my address was changed and I looked on the app and my address had been changed I called avant and started talking to them explaining this was not my address and I did not change it. Then I received a letter saying a new credit card was being shipped to this new address, I told them this was not m, e and to stop it. Of course they didn't stop it they let fraudulent transactions go through with aa different card in another state. I called multiple times finally had them taken off and another added right back on and I called again. I finally got the address changed still have no t received another credit card but yet another charge from the same fraudulent activity and card in another state was added right back onto my account and they wrote me back saying I'm responsible. I haven ' had access to my account or my card I called and warned the company before any fraudulent activity happened and they still let it happen and they say I'm responsible for a charge at a store in another state hundreds and hundreds of miles away how is this fair? I haven't been able to use my account in months have had no card. this is lack of respect of human decency from this stupid credit card company.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 15 USC 1681. 


Account Name : XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I purchased a used vehicle from Toyota. I noticed only afterwards that there was added fees on my account that I did not want or ask for and Toyota Financial made it practically impossible to take off my loan ( Gap, extra warranties ). This increased the price of the principle by {$5000.00}, which was not my agreed upon price. However, I continued to make my payments anyways until my wife ( the co-signer ) developed XXXX  problems that stopped her from being able to work and cut our income in half. No longer capable of making the payments, I went directly to the company and explained the situation and voluntarily gave the car back in in XXXX of XXXX. I was at that time that it was no issue that they ( Toyota ) would take care of everything for me. Then a couple months later Toyota Financial tried to file a claim through my insurance company saying I damaged their vehicle. There was no damage done to this car since I had owned it at all. I kept it clean and didn't get so much as a nick in the paint while I had it, and left it directly at Toyota dealership which is explained earlier. Afterwards, they auctioned the car off and they still say I owe {$13000.00} when my original purchase price was just over {$19000.00}. There was well over {$19000.00} paid on this account which I'll attach as image files. I have never been more truly disappointed with a company and the treatment of customers.

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: VA

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Since XX/XX/XXXX I have been attempting to resolve inaccuracies stated in the initial complaint I requested and received a consumer report and while I have forwarded information including my driver 's license for verification this matter to all three credit bureaus is unresolved. XXXX closed its investigation without any proof of updates or that it could verify any information contained within the report. XXXX report contains inaccuracies such as Missouri XXXX XXXX XXXX acct. # XXXX ; Dept. of Ed closed accounts acct. # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ; personal information ; inquiries ; and accounts that were discharged in bankruptcies ( XXXX & XXXX ). Transunion still has listed : third-party supplemental information, checking account & demand deposit activity : ( XXXX XXXX XXXX XXXX XXXX ( and XXXX ), among a host of inquiries and other inaccuracies. XXXX, inaccuracies consist of names, addresses, potentially negative items, and closed accounts such as Dept. of Ed. ( XXXX acct # XXXX ; XXXX  acct # XXXX, XXXX ; XXXX XXXXXXXX acct XXXX XXXX ; XXXX XXXX acct # XXXX, ) and accounts that were previously discharged. All bureaus contain accounts I do not know and I did not give anyone permission to share, sell, or outsource my information.

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