vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Subject : Request for Reinvestigation and Immediate Deletion of Incorrect Account Reporting Dear Experian, I am writing to formally dispute the reporting of the following account : Creditor : XXXX XXXX XXXX Account Number : XXXX This account has been reported as a collection/charge-off, negatively impacting my credit score. I have XXXX of the same account with the same account number but different balances, the reporting contains incorrect and inconsistent information. Specifically, I still see a balance on the account despite its charge-off status. Additionally, there is a past due balance being reported, which contradicts the charge-off designation. As you are aware, this is a violation of reporting guidelines. 
I request an immediate reinvestigation of this account and a correction of any inaccurate or incomplete information. If you can not verify the accuracy of the reported details, I demand the immediate deletion of this account from my credit report to ensure compliance with fair reporting standards. 
Please provide a detailed response regarding your findings and any actions taken. I appreciate your prompt attention to this matter. 

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 2025-02-27 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: LA

Complaint narrative:
Issue : Inaccurate Reporting, Failure to Investigate Disputes, Violation of Tax and Consumer Protection Laws Complaint : I am filing this complaint to address several issues with Experian, regarding inaccuracies on my credit report and violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other laws. XXXX. Inaccurate Reporting by XXXX XXXXXXXX XXXX XXXX XXXX XXXX : Under 15 U.S. Code 1681a ( 2 ) ( a ) ( i ), consumer reports should not include information solely about transactions or experiences, such as payment history or charge-off status, between the consumer ( myself ) and the entities XXXX XXXX XXXX XXXX XXXX XXXXY providing the report. Under the Privacy Act of XXXX ( XXXX XXXX Code XXXX ), I am exercising my right to revoke any and all authorization, whether written, verbal, or otherwise, that I may have previously given to XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Additionally, under 15 USC 6802, I am opting out of any further authorization for your institution to disclose my information. As outlined in 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) ( ii ), once a consumer notifies an entity of inaccuracies in the information being reported, they are prohibited from continuing to furnish such information to any consumer reporting agency. XXXX XXXX, XXXXXXXX XXXX XXXX XXXX are in clear violation of this provision and are required to rectify this situation immediately. Desired Resolution : 1. Immediate Correction : Update my credit report to : Remove this account or update it to reflect paid as full no late payments indicating the debt was charged off and is no longer active. 2. Investigation : Conduct a full investigation into XXXX XXXXXXXX XXXX XXXX XXXX XXXX furnishing practices and Experian handling of disputes. 3. Consumer Redress : Ensure compliance with FCRA requirements for handling disputes, including timely responses, investigation of disputes, and accurate reinsertion procedures. 4. Transparency : Provide me with all records and documentation related to the reporting of this account and Experian investigation process. Requires accurate reporting, proper investigation of disputes, and specific procedures for reinsertion of previously disputed information. Breach Notification Laws : Experian failure to secure consumer data and notify me adequately constitutes a violation. IRS Tax Laws : Reporting charged-off debts as active income violates tax regulation. The statute of limitations is XXXX years in the state of XXXX, this debit accorded in the year of XXXX, Therefore the XXXX XXXX account reporting on my account should not be reporting on my report.

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 2025-02-27 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: PA

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 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 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: AZ

Complaint narrative:
NCB Management Services XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Debt Request for Validation Account Number : XXXX To Whom It May Concern, This letter serves as a formal dispute of the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide full validation of this debt, including but not limited to the following : 1. Proof of Debt Validation : Provide a complete verification of the alleged debt, including the original contract bearing my signature, which legally binds me to this obligation. 
XXXX. Full Payment History : A detailed record of all payments made on this account, including dates, amounts, and methods of payment. 
XXXX. Ownership and Title Change Documentation : Documentation indicating any transfer or assignment of this debt, including the name and address of the original creditor and all subsequent owners of the debt. 
XXXX. Insurance Claim Inquiry : Confirmation of whether an insurance claim has been filed or paid by any party concerning this debt. If so, provide all related documentation.

5. Verification of Authority to Collect : Legal documentation proving that your agency has the right to collect this debt and is legally authorized to do so.

Under 15 U.S.C. 1692g, you are required to provide this information within 30 days of receiving this letter. Until proper validation is provided, I am requesting that all collection activities, including reporting this account to the credit bureaus, be immediately ceased. 
If you fail to provide sufficient validation, I expect this account to be removed from all credit reporting agencies and for no further collection attempts to be made. Be advised that any attempt to collect an unverified debt may constitute a violation of the FDCPA and other applicable consumer protection laws. 
Please respond in writing to the address listed above. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-02-27 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: TX

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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 explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint against Capital One regarding their handling of disputed charges with a merchant in XXXX. Despite clear evidence of merchant misconduct, Capital One inconsistently resolved XXXX linked cases, approving XXXX claim while unfairly denying the other. 

Details of the Issue : In XX/XX/year>, I purchased several custom suits from a tailor in XXXX. 
While I had in-store fittings, the final products were delivered to my hotel before departure. Upon returning home, I discovered significant craftsmanship issues. 
The merchant initially agreed to accept the items back for repair, remake, or refund. However, after I returned the items, they stopped responding. 
I filed a dispute with Capital One, which prompted a response from the merchant. Instead of honoring their prior commitment, they refused to cooperate further. 

Dispute Outcomes : Case # XXXX ( {$350.00} ) Ruled in my favor after appeal. 
Case # XXXX ( {$530.00} ) Denied, despite being part of the same issue. 

Concerns with Capital Ones Handling : 1. Inconsistent Decisions Capital One ruled in my favor on one case while denying the other, even though both involved the same transaction and circumstances.

2. Lack of Proper Review My initial dispute was closed without an opportunity to submit key evidence
. The decision appeared to be based solely on the merchants response.

3. Failure to Honor Internal Escalation A supervisor acknowledged the inconsistency in the two rulings and escalated the case for review. However, I received no update, and my follow-up inquiry was met with a generic response that the original decision stands. 

Unfair Outcome : The merchant has possession of the returned suits. 
I no longer have the products I paid for. 
The merchant still retains my money. 

This is an unreasonable and unjust resolution. I have been left without both the goods and the funds, while the merchant has been allowed to act in bad faith. 

Requested Resolution : A reassessment of XXXX # XXXX, as the denial contradicts the ruling on the related case. 

I request that the CFPB intervene to ensure a fair resolution and prevent other consumers from facing similar issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
The university I am with, XXXX XXXX, was previously named XXXX XXXX. My issue is with the student loan provider Mohela. I have had several student loans through Mohela during my schooling. I have paid off all loans with this company, and have documentation to prove it, but due to an accounting system error, they are not able to correct my final loan to show a XXXX balance. My Mohela account continues to show an unpaid balance and accrue interest. This information is being incorrectly reported to the credit bureaus. I have contacted Mohela regularly since first finding out about this issue, but they can not provide any resolution. I have gone through the XXXX  with no resolution. I have now reported them to the XXXX credit bureaus. I need this loan settled in their system and with the credit bureaus before I graduate so as not to incur any false penalties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I had co-signed for son in law for a vehicle loan. The vehicle totaled and the insurance company took a while to pay off the loan. There were several more years left to pay on the loan. Large sun payments were made on the loan in XXXX and letter was sent to my son-in-law XXXX business days prior to the XXXX credit union reporting it on my credit report. The insurance paid what the vehicle was worth and gap insurance paid the remaining balance owed at the time of total loss. XXXX XXXX XXXX claims that they spoke with my son-in-law and they informed him that he would accrue interest. They also said that they sent me letter which I never received. They told me in email that contract conditions were not changed and loan is still open but after payments being made, they still reported this on my credit report. I am being left with no choice herebut to seek legal support if cfpb is unable to help. I have a major investment that I need to make and am now unable to after XXXX XXXX XXXX destroyed my credit. I can provide precise details that I have captured for an attorney if needed. There was never a late payment prior to the total loss and I feel that the credit union is trying to advantage of people.

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 2025-02-27 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:
Atter discovering negative and unauthorized information on my credit report, I suspected identity theft and immediately contacted Experian, Transunion and Equifax to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, as these negative marks are damaging my credit and financial standing. I believe that Experian, Transunion and Equifax has not fully investigated the potential identity theft tied to the Equifax breach and l am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. ACCOUNTS LISTED BELOW : XXXX. Account Name : XXXX XXXX Account Number : XXXX Account Balance : XXXX XXXX. Account Name : XXXX  Account XXXX : XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Account Balance : XXXX ADDITIONAL ADDRESSES LISTED : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This item has been disputed multiple times. Despite numerous FCRA violations LVNV continues to violate my FCRA rights. They have violated 15 USC 1692g. They have failed to provide information as follows : 1 ) Method of verification 2 ) Full payment history 3 ) With whom they spoke to verify this information and their title. 4 ) A copy of contract signature. An FTC report has also been filed.This erroneous reporting has negatively impacted both my mental health because of my inability to obtain credit from potential lenders while having this item which is negatively reporting on my consumer credit report. I have attached both the debt validation letter that was previously mailed to LVNV Funding as well as a cease and desist letter.A hard copy has been mailed to this collection agency as well. LVNV Funding has already violated the FCRA by purchasing my information without my consent and infringed upon my right to privacy x2 because they have reported this item negligently to all three bureaus. XXXX, XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: MD

Complaint narrative:
Today I am writing to file a complaint against Navy Federal Credit Union because of multiple overdraft fees that I have incurred. Despite having sufficient funds in my account when transactions have been authorized, I was charged fees due to lagged posting of charges and credits. This put me in a lot of unfortunate financial situations. This issue that keeps happening aligns with the recent CFPB findings against Navy Federal for similar practices where transactions were settled with insufficient balances despite initial available funds. This is entirely unfair and I request an investigation to my 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 2025-02-27 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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Hard Inquiries under FCRA To Whom It May Concern, I am writing to formally dispute the following hard inquiries that appear on my credit report under the Fair Credit Reporting Act ( FCRA ). I did not authorize these inquiries, and I am requesting their immediate removal from my credit file. 

Unauthorized Hard Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the FCRA , a company must have my express written consent to conduct a hard inquiry on my credit report. Since I did not authorize these inquiries, they must be removed immediately as they negatively impact my credit score. 

I request that you investigate these inquiries and provide me with a written response regarding their removal. If the inquiring companies can not provide proof of my authorization, these inquiries must be deleted. 

Please consider this letter as my formal dispute under the FCRA. I expect a response within 30 days, as required by law. If these inquiries are not removed, I will pursue further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your prompt attention to this matter. I appreciate your cooperation. 

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