vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MN

Complaint narrative:
EdFinancial issued a letter dated XX/XX/year>, acknowledging some of the concerns I raised, but their repayment schedule continues to violate key provisions of the Extended Graduated repayment plan. 
Specifically, I have identified XXXX critical violations in their repayment schedule : 1. The repayment plan exceeds the XXXX maximum limit ( XXXX payments ). 
2. The payment schedule includes increases at intervals that do not comply with the requirement for increases every XXXX years. 
3. Several payments exceed the allowable threshold, with many installments being more than XXXX times the amount of my lowest installment. 
I have outlined these issues in detail in my previous correspondence, including the letter to Representative XXXX XXXX XX/XX/year>, which I have enclosed. Despite my request for EdFinancial to make the necessary adjustments to the repayment schedule, I have yet to receive a response that is in full compliance with my loan terms, and I have set a deadline of XX/XX/year>, for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: TX

Complaint narrative:
I recently reviewed my credit report and found an incorrect late payment reported on my account ( XXXX ) with XXXX XXXX, despite having made all payments on time. Under the Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S.C. 1681s-2 ), furnishers must ensure the accuracy of the information they report, and knowingly reporting errors violates this law. The credit bureaus are responsible for maintaining accurate records, yet discrepancies exist across all three : TransUnion incorrectly reports 30-day late payments for XXXX and XX/XX/XXXX and XX/XX/XXXX, Experian lists 30-day late payments for XX/XX/XXXX and XX/XX/XXXX, and Equifax reports 30-day late payments for XXXX and XX/XX/XXXX and XX/XX/XXXX. I request documentation verifying compliance with 15 U.S. Code 1666b, which mandates periodic statements be delivered at least 21 days before the due date, including the statement and tracking number confirming timely delivery. I have attached proof highlighting these inaccuracies and request immediate correction within 15 days of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: TX

Complaint narrative:
I recently reviewed my credit report and found an incorrect late payment reported on my account ( XXXX ) with XXXX XXXX, despite having made all payments on time. Under the Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S.C. 1681s-2 ), furnishers must ensure the accuracy of the information they report, and knowingly reporting errors violates this law. The credit bureaus are responsible for maintaining accurate records, yet discrepancies exist across all three : TransUnion incorrectly reports 30-day late payments for XXXX and XX/XX/XXXX and XX/XX/XXXX, Experian lists 30-day late payments for XX/XX/XXXX and XX/XX/XXXX, and Equifax reports 30-day late payments for XXXX and XX/XX/XXXX and XX/XX/XXXX. I request documentation verifying compliance with 15 U.S. Code 1666b, which mandates periodic statements be delivered at least 21 days before the due date, including the statement and tracking number confirming timely delivery. I have attached proof highlighting these inaccuracies and request immediate correction within 15 days of receipt.

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 2025-03-17 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: MI

Complaint narrative:
Dear CFPB Representative, I am formally disputing an issue with Experian, such as inaccurate credit reporting, unauthorized charges, unfair lending practices, etc. Despite my efforts to resolve this matter directly with the company, they have failed to take appropriate action. 


XXXX XXXX XXXX, reported false information on Experian I have wrote them a letter on multiple occasions and they have denied my request of removal! I need all my remarks to be removed from these companies immediately as they have proven themselves to have wrongful information and incorrect amounts! I need a full investigation on all these cases Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, I have the right to dispute inaccurate or incomplete information and to have the matter properly investigated. The law requires that credit reporting agencies and furnishers of information investigate disputes within 30 days and correct any inaccuracies. [ Creditor/Company Name ] has failed to comply with these requirements, and I am requesting the CFPB intervention to ensure that my consumer rights are upheld.

I have enclosed copies of supporting documentation, including [ list documents such as billing statements, letters, emails, credit reports, or other relevant evidence ]. I request that the CFPB take appropriate action to ensure compliance with federal law and facilitate a resolution. 

Please keep me informed of any progress regarding this dispute. Thank you for your time and attention to this matter. 

Sincerely,

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 2025-03-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: KS

Complaint narrative:
I am filing a complaint because I never received the initial notice from Credence Resource Management ( CRM ) informing me of my right to dispute the debt they are attempting to collect on behalf of XXXX CRM claims they sent this notice on XX/XX/year>, and argue that because it was not returned as undeliverable, they assume I received it. However, I never received any communication from them until the debt was already reported to the credit bureaus on XX/XX/year>. Because I was unaware of the initial notice, I was not given a fair opportunity to dispute the debt within the required timeframe. I have since filed multiple disputes through the Consumer Financial Protection Bureau ( CFPB ) and the credit bureaus, yet CRM continues to report the debt. Their assumption that I received the notice simply because it was not returned is not proof of delivery. I request that CRM provide verifiable proof that I received the notice or remove the debt from my credit report due to their failure to properly notify me of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
Acima sent my account to collections yet they continue to take or attempt to take XXXX from my account and once succeeded in taking money from my account AFTER I made an agreement with the collection agency. XX/XX/XXXX they took a payment, they attempted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have sent my account to collections, its my understanding once that happens they cant take money any longer!!??

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX DOB : XX/XX/XXXX Dear Experian, LLC XXXX XXXX XXXX XXXX, GA XXXX Re : Letter to Remove Inaccurate Credit Information Recently I looked at a copy of my credit report and noticed several incorrect information on the following accounts. These accounts are adversely affecting my credit report and presenting incorrect information. It is my understanding that you will investigate these items for me to ensure accuracy. I am requesting that you please delete all the late payments off these closed accounts immediately they are showing incorrect information the payments were never late, I have never given my permission to report this information on my report, no consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ).

Please remove ten late payments XXXX XXXX  Account number : XXXX Date opened : XXXX Balance : {$1100.00} Status : closed Please Remove one late payment of this account XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$130000.00} Status : closed Please remove five late payments XXXX XXXXXXXX Account number : XXXX  Date opened : XXXX Balance : {$210.00} Status : Account charged off

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 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: UT

Complaint narrative:
I am a client of RHF and have experienced a serious security breach of my account. Despite numerous attempts to resolve this issue through your customer service channels, I have been met with persistent obstacles and a complete lack of adequate support. Specifically : On XX/XX/XXXX, Compromised Account : My account was hacked, and two unauthorized devices were added without my knowledge or consent. 
Fraudulent Transactions : Two separate attempts were made to transfer {$2000.00} each from my bank account into my RHF account. I was forced to contact my bank directly to halt these fraudulent transactions. 
Failed Customer Support : Your customer support system has proven to be inadequate. I have experienced repeated disconnections due to poor reception on what appear to be personal cell phones used for customer service. This has prevented me from effectively communicating with your representatives. 
Unauthorized Charges : RHF has added charges to my account related to bounced payments on what appears to be a fraudulent Bitcoin ( BTC ) account, which I did not authorize. 
Refusal to Address Security Breach : Despite providing evidence of the security breach, RHF has refused to take appropriate action to rectify the situation, and has sent me correspondences stating they will not reimburse me, even though I have not requested reimbursement, but rather a correction of the false charges and a security resolution. 
ONGOING FRAUD : As of this writing, the fraudulent activity continues. Today, ( XX/XX/XXXX ) another unauthorized transaction occurred : an order for Bitcoin that I did not initiate. RHF has confirmed via email that this fraudulent order has been completed, demonstrating the ongoing and immediate threat to my assets. 
I have compiled records of all communication attempts, bank statements demonstrating the fraudulent activity, and correspondences from RHF. I intend to pursue legal action to recover all financial losses incurred, as well as any legal fees and other associated costs. 
No actions have been taken so far. I am asking that RHF do the following : Remove all unauthorized charges from my account. 
Reverse the unauthorized Bitcoin transaction that occurred. 
Conduct a thorough investigation into the security breach. 
Implement necessary security measures to prevent future incidents. 
Provide a secure method of communication to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Subject : Dispute of Inaccurate XXXX  Record Request for Removal Dear Equifax, I am writing to formally dispute the inaccurate reporting of a XXXX  record on my file. As per the attached correspondence from XXXX XXXX XXXX XXXX, the XXXX  record ( Case Number XXXX ) has been removed from my XXXX credit profile file following their re-investigation. It is common knowledge that Equifax relies upon XXXX to verify public records, namely XXXX cases. 

Despite this resolution, I have reason to believe that this incorrect information is still being reported by your agency to my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a re-investigation and remove all references and instances to this inaccurate bankruptcy record from credit lines on my credit file. 

Please find attached a copy of the letter from XXXX confirming the removal of this record. I request that you : 1. Investigate and verify the accuracy of the bankruptcy record reported on my file.

2. Remove any erroneous information related to this record if it is found to be inaccurate.

3. Provide a written response confirming the outcome of your investigation.

I expect a response within the time frame allowed under the FCRA. If the inaccurate record is not removed, I will exercise my rights to further dispute this matter and escalate it as necessary. 

Please confirm receipt of this letter and provide updates on your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: GA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-03-17 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-17 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Im filing a complaint because i was told that with a police report that this fraudulent account would be blocked within 4 days and they havent done that. In accordance with the FCRA they are required to block this item

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
In XX/XX/XXXX I made my final payment on my home mortgage with VYSTAR credit union based in XXXX XXXX. I received a letter confirming the mortgage was paid in full shortly after. On XX/XX/XXXX I received a vague email stating that they recently became aware that some paid off mortgages had been reporting to credit bureaus. They did specify what was being reported or for how long. I reached out to them immediately because after checking my credit score with experience I discovered that my credit score had dropped from XXXX to XXXX and a notation of serious delinquencies on a mortgage loan. Which I believe normally indicates that it Is showing at leas XXXX  days past due. I believe I have recently suffered harm by being re-rated and possibly denied coverage. My stellar credit score is essential to my financial life as I own a number of rental properties which require insurance as well as my vehicles. I also would like to mention that this organization was recently fined by your organization for a botched rollout of their on line banking system which also cause me numerous problems in the day to day management of my properties.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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

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 2025-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
Comenity Bank has called me multiple times after being asked to stop, as well as called excessively. They are calling from Private Numbers as well. 
Comenity has called on the below dates and times. 
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filling a complaint against Cash App ( Block , Inc ) due to customer service and unfair practice which violates the customer service protection act ( CFPA ) cash app failed to take timely and effective measure to prevent fraud on their platform leaving my account vulnerable and unprotected furthermore due to their dispute resolution process was unfair as they did not comply with error resolution requirements Under the electronic fund transfer act. ( EFTA ) and regulation E.

Company response to consumer: Closed with explanation