vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Primary company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX phone # XXXX. Also Involved XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX ) - Navy Federal Credit Union ( XXXX XXXX XXXX, XXXX, VA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, DE XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ) - XXXX XXXX ( XXXX XXXX XXXX, XXXX, MA XXXX ) - I obtained my XXXX credit report dated XX/XX/XXXX, and discovered multiple errors and violations of federal and state law. - 1 ). Inaccurate Reporting After Dispute : Several accounts are inaccurately reported and continue to show negative statuses despite being disputed, including : Ally Financial : Listed as 180 days past due with increasing balances and no indication of timely dispute resolution. Navy Federal Credit Union : marked 30/60 days late without full validation. XXXX and XXXX XXXX : Reported 30/60 - day delinquencies despite irregulars in balances, due dates, and payments. - 2 ) Failure to Mark Disputed Accounts : Accounts that i formally disputed were not consistently marked as " in Dispute '' in violation of 15 U.S.C. s 1681s - 2 ( a ) ( 3 ). - 3 ) Excessive and Potentially Unauthorized Hard Inquires : My report shows multiple hard inquiries on XX/XX/XXXX by companies including XXXX XXXX, XXXX XXXX, and XXXX XXXX, which I did not authorize. This may violate 15 U.S.C. s 1681b. - 4 ) Collection Account Misconduct : A collection from " XXXX XXXX '' regarding XXXX is reported as unpaid and disputed, but they failed to provide verification of the debt, and I was not notified properly, possibly violating the Fair Debt Collection Practices Act ( 15 U.S.C. s 1692g ). - 5 ) Incorrect Debt Reporting and re-aging : XXXX XXXX appears to have increased the reported balance over time rather than reflecting accurate payment history. the date of first delinquency is unclear or misrepresented, a potential FCRA violation. - 6 ) 15 U.S.C. s 6802 violation of obligations with respect to disclosures of personal information. A financial institution may not directly or through any affiliate, disclose to a non- affiliated third party any nonpublic personal information. - 7 ) 16 CFR s 313.7, That provide for Form of OPT out notice to consumer that was never rendered. - 8 ) 16 CFR 313.4, Initial Privacy notice to consumers required par ... " No agency shall disclose any record which is contained in a system of record by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of the individual to whom the record pertain. I Have attempted to resolve these issues through XXXX but the inaccurate and violations remains on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX XXXX I have submitted a small claims court case in regards to a 1 time 30 day late on my XXXXoyota Motor Credit account. My hearing date was scheduled for XX/XX/XXXX. I did attend as scheduled but no one came from Toyota Motor, in my last complain I did provide the proof of me waiting for representative from Toyota Motor. I had also opened a ODR through the court and again I didn't receive a response from Toyota Motor Credit. The reason why my account fell behind 1 time is because I was under medically induced coma. As soon as I was able I made my account current. I do take my finances very seriously I am kindly asking you to remove the XXXX time 30 day late from my credit profile as good faith since this happened only because of my unexpected medical situation. 
After I submitted my previous complained I received a response asking for my account number : Account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: MN

Complaint narrative:
I have a collection from a agency i am unaware of this collection and or charge. I also did not sign any contracts with this collector and would like any proof of. A chain of tile or to know if any insurance claims were made on this debt. 

MOST IMPORTANTLY THIS COLLECTION AGENCY IS NOT LICENSED TO COLLECT DEBTS IN MINNESOTA THIS IS A VIOLATION OF LAW! 

I've notified and made request that have gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: GA

Complaint narrative:
I am submitting this follow-up dispute regarding the XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$38000.00} ) reported on my Experian credit report. Despite my previous attempts to correct this inaccurate reporting, this significant financial liability remains on my file, reflecting a debt that is either inaccurately reported or potentially unverifiable. Given the increasing risk of data breaches and the potential mishandling of sensitive financial data, this discrepancy may be a direct result of compromised data integrity, further emphasizing the need for a thorough reinvestigation. Under 15 U.S.C. 1681n, Experian is legally obligated to ensure that all reported information is accurate, complete, and verifiable, with willful noncompliance subjecting them to significant civil liability, including damages and attorney fees. Furthermore, 15 U.S.C. 1681 ( c ) 2 specifically requires that any information deemed inaccurate, incomplete, or unverifiable be promptly deleted or corrected to prevent consumer harm. In addition, 15 U.S.C. 1692 ( g ) outlines my right to dispute the validity of this debt and mandates that the data furnisher provide thorough verification within a reasonable timeframe. The continued failure to correct such a critical error directly violates these federal protections, exposing me to unnecessary financial risk and emotional distress as I struggle to maintain accurate credit records in the face of these uncorrected inaccuracies.

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 2025-05-09 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WI

Complaint narrative:
When reviewing my qualifying payments for the Public Loan Forgiveness, I found that there are 10 payments that are " not qualifying '' for the PSLF program because they are in forbearance. I never requested this forbearance. I called MOHELA on Tuesday, XX/XX/XXXX at XXXX pm to clarify the issue. After being on hold for 3 hours, the call center responder said the payments don't count because I paid {$0.00}, and the loans were in forbearance, which don't count for the PSLF. 

I reminded the telemarketer that I did not request forbearance, and MOHELA put ALL of their borrowers in forbearance during that time so they could " properly transfer all account information, '' as I was previously told in the email. In addition, my payments were adjusted to {$0.00} due to my Income-Driven Repayment plan ( IDR ), but they still count as a " payment '' ( as they have previously been recorded and counted toward the PSLF program ). I also the representative that every one of their borrowers should have qualified for their payments and we should not have to reach out individually to the company to fix this problem. 

The representative said I need to file a grievance with XXXX XXXX  because they determine what is a qualifying payment. 

I filed a grievance with MOHELA and XXXX XXXX on XX/XX/XXXX. After submitting my paperwork and grievance. I received no follow up email or information from MOHELA. Today I received a response from Federal Loans that I have not met the requirements

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: AZ

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit 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 2025-05-09 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: CA

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Re : Request for Method of Verification Account with XXXX XXXX XXXX. 
Accounts of unverified debt XXXX Dear Experian, I am writing regarding the results of your reinvestigation of the above-referenced account, reported by XXXX, which continues to appear on my Experian credit report despite my dispute. Under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am requesting that you provide me with the method of verification used to verify this account. 

Please provide me with : XXXX. The name, address, and telephone number of each person, company, or entity that you contacted during your reinvestigation. 
XXXX. A description of the procedure used to determine the accuracy and completeness of the disputed information, purchase agreements with legal standing terms of conditions, bill of sale and XXXX 

If you can not provide this information within 15 days, please remove this account from my credit report as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

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 2025-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This company reported me to Equifax for {$78.00}, which they have already reported several times, and I have filed a complaint several times, but I do not recognize that account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

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 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On XX/XX/year> I purchased a rental car from XXXX for a total of {$270.00}. However, they charged my account for {$580.00}. Causing an overbill of $ XXXXThey later refunded me the {$350.00} on XX/XX/year>. 

While I was traveling my account when into overdraft due to the overbill. I had many small things like food, gas, etc hit my account in overdraft. All of these WellsFargo charged me multiple {$35.00} overdraft fees. As of XX/XX/year> they have charged me 7 over draft fees at {$35.00} dollar a piece equaling {$240.00} dollars. 

Additionally I have two more on its way that will make the total go up to {$310.00}. 

As of XX/XX/year> I have balance of - {$230.00}. If the overdraft fees never existed I would be positive of $ XXXX.The only reason I went into overdraft was due to the vendor billing me an incorrect amount. NOT me overspending. I have called WellsFargo multiple times, but they will not reverse the overdraft fees. As a long time customer they are treating me unfairly and with no respect.

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 monetary relief
Consumer complaint received 2025-05-09 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: AZ

Complaint narrative:
I am reporting accounts that are fraudulent. I am an identity fraud victim and someone fraudulently used my identity to use these accounts and obtain those goods and services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-05-09 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-05-09 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: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
There is an account on my credit report that is not mine and belongs to someone else.

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 2025-05-09 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: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Rapid Home Lending Inc.
State: GA

Complaint narrative:
For XXXX  loan I paid personally before closing- appraisal {$600.00}, pest inspection {$100.00}, well inspection {$600.00} total {$1300.00} On closing documents I was charged again - appraisal {$650.00}, well inspection {$350.00}, Pest inspection {$300.00} total {$1300.00}. 
All together I was charged {$2600.00}. I know these items are my responsible, however XXXX XXXX, XXXX of XXXX agreed to pay appraisal and well inspection. XXXX sent a check for {$900.00}. Leaving {$1500.00} still owed by XXXX On closing documents cash to borrower {$20000.00} I was wired {$18000.00} leaving XXXX. 
All together these issyes add up to {$3000.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-09 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: VA

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 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 2025-05-09 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: VA

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 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