vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: NY

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally dispute inaccurate and misleading information that appears on my credit report from Experian. The following accounts contain incorrect information that is negatively impacting my credit score, and I request that they be thoroughly investigated and corrected or removed as necessary. 
XXXX XXXX XXXX XXXXXXXX ( Account # XXXX ) * This secured card account is reported as open and in good standing. However, the payment history reflects that no scheduled payments were made after XX/XX/XXXX, which is inaccurate. 
* The balance history shows a {$0.00} balance with repeated payments marked on XX/XX/XXXX, but no ongoing activity. I request verification of these records to ensure accuracy. 
XXXX XXXX XXXX XXXX ( Account # XXXX and XXXXXXXX XXXX  ) * These accounts are marked as " Potentially Negative '' despite being paid and closed. 
* Both accounts reflect late payments ( 30 & 60 days past due ) in XXXX and XXXX, which I believe were either reported incorrectly or should not be factored into my credit score due to their age and resolution. 
* Additionally, I have disputed these accounts, and the reinvestigation conducted in XX/XX/XXXX did not provide adequate justification for maintaining these negative remarks. 
* One of these accounts states, " Account paid from collateral, '' which I believe does not accurately reflect the terms of repayment and should be corrected.

I am requesting the following actions : 1. A full reinvestigation into these accounts under the Fair Credit Reporting Act ( FCRA ) to verify the accuracy of the reported information. 
2. Removal of any incorrect late payment notations and the " Potentially Negative '' label on accounts that have been fully paid and closed.

3. Documentation from the furnishers confirming the accuracy of these reports or immediate removal if they can not be verified.

I have attached screenshots of my credit report reflecting the disputed accounts for your reference. Please update my credit report accordingly and provide me with written confirmation of the outcome of this investigation.

Thank you for your prompt attention to this matter. Please contact me if additional information is required. 
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 2025-01-28 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:
Equifax has failed to fulfill it 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 Equifax, 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 Equifax 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 disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Formal Complaint against Transunion, XXXX, & XXXX for reopening a closed account. 
Transunion reopened a closed account on my credit report without proper cause or authorization. The account in question pertains to XXXX XXXX XXXX and was previously charged off with a {$0.00} balance. Despite this, TransUnion reopened the account, which I believe violates both state and federal consumer protection laws. 

Under federal law- specifically the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681 et seq. credit reporting agencies are required to ensure the accuracy and completeness of the information they report. Reopening a closed account with a zero- dollar balance and re- adding it to my credit report misrepresents my financial situation and could be construed as willful noncompliance under 1681e ( b ) ( ensuring maximum accuracy ) and 1681s-2 ( b ) ( duty to investigate disputes ). 

Furthermore, under XXXX XXXX law XXXX Code XXXX. 37-20-110, the Consumer Identity Theft Protection Act-credit reporting agencies are prohibited from knowingly disseminating inaccurate information. Reopening a charged-off account that no longer has a balance without my authorization violates this statute and unfairly tarnishes my credit profile. 

I previously disputed this error with TransUnion, XXXX, and XXXX and despite providing sufficient evidence that the account is closed and paid off, the account remains on my report. This has caused undue harm to my credit score and financial standing.

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 2025-01-28 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: Southwest Credit Systems, L.P.
State: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
This collection agency did not send any notice of right to dispute. There were no calls, mailed documents, emails, voicemails or texts. I only received notice as I opened my XXXX account an saw the account was flagged. 

XX/XX/XXXX, XXXX I called a representative from Jefferson Capital System for XXXX that verified that an email was sent however I did not receive it. They verified that not mailed items were sent or calls made before hand. I was not given a window to dispute the issue. The representative indicated that he is unsure who will process my request, which department I should contact, or how long this would take.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$39000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: IN

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having 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 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 2025-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Was being charged an overdraft fee for every overdraft that was made when I had an account with Navy Federal Credit Union

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I called and email Newrez about setting automatic principal payment XXXX month ago still no information sent by mail or email

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 2025-01-28 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: MA

Complaint narrative:
Already submited a complaint regarding this matter, have XXXX inquiries that i dont recognize!. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Attached to this complaint is my affidavit and report to identity theft.gov. My complaint number is XXXX. Thanks for the help and pront action.

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 2025-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: VA

Complaint narrative:
Between XX/XX/year> and the present, my vehicle was repossessed under circumstances that caused undue harm and violated my rights as the rightful owner. Following the repossession, XXXX XXXX : XXXX. XXXX XXXX or its agents to discard personal items from my vehicle without notifying me or providing an opportunity for retrieval. 

XXXX. Failed to disclose that the vehicle was being sent to XXXX, depriving me of the opportunity to address the situation before further action was taken. 

XXXX. Failed to properly inform me of the steps required to finalize the procurement of the vehicle. 

XXXX. Improperly titled the vehicle in the name of another party in North Carolina without my knowledge or consent. 

These actions demonstrate a gross lack of accountability, transparency, and regard for the rights of your customers.

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 2025-01-28 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: Sunbit, Inc.
State: CA

Complaint narrative:
Upon reviewing my latest credit report, I identified an error that seems inconsistent with the records I maintain. I am concerned that this inaccuracy might impact my credit score or financial profile, so I am requesting a detailed review of this matter. Please investigate the issue and correct any discrepancies at your earliest convenience. Your support in maintaining accurate credit reporting is highly valued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Good evening, I trust this communication finds you in good health. I am writing to request your urgent assistance concerning my mortgage and the recently filed notice of default. My forbearance plan, active until XX/XX/XXXX, has concluded. Despite consistent communication with and adherence to the lenders instructions, I was subsequently placed on a trial payment plan with a XX/XX/XXXX deadline. I confirmed the plans terms, understanding that timely payments for XXXX, XXXX, and XXXX ( by the end of each month ) would resolve the matter. 

I consistently communicated to each agent my circumstances and my ability to make payments after XXXX, coinciding with my end-of-month payroll. This information was conveyed at the start of every call. However, I experienced misleading and incomplete information regarding policies, timelines, and procedures crucial for successful loan management, information readily available only to company representatives. Simplified instructions, easily accessible to representatives based on their experience handling similar situations, would have significantly aided me during my XXXX XXXX treatment. 

Since XX/XX/XXXX, I have been in forbearance while receiving treatment for XXXX XXXX. Maintaining consistent monthly contact with my lender, I was unexpectedly placed on a three-month trial payment plan following the forbearance period. However, prior to the forbearances conclusion, the lender filed a notice of default with my county and reported this to credit agencies, leading to persistent collection agency calls.

Despite full compliance with all lender stipulations, I have not received the expected reciprocal action. I require immediate assistance, including legal counsel from an attorney who does not accept XXXX, given my severely limited financial resources and inability to pay upfront fees ; however, minimal collateral is available. 

Furthermore, as a California domestic violence survivor, I seek clarification on my rights concerning foreclosure and eviction, complicated by a health condition that significantly impairs my ability to manage these legal issues independently. Therefore, I require comprehensive guidance and support in organizing this matter.

I have compiled essential documentation to contest this foreclosure and safeguard my continued residency.

Please contact me promptly to discuss our strategic approach. Losing my home would necessitate a return to a dangerous environment where my abuser resides, despite ongoing divorce proceedings and a five-year-old protective order issued by the District Attorney.

Thank you for your time and consideration. I am determined to challenge this unjust action and require your professional guidance and support. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: IN

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-01-28 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I
also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I went to atm machine to get XXXX never received the money contacted my bank they are charging me for XXXX $ I have recipt from the atm that I didnt get the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NY

Complaint narrative:
My accounts 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 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 to be removed/updated. 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 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 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!

Company response to consumer: Closed with non-monetary relief