vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: U.S. BANCORP
State: PA

Complaint narrative:
I am writing to file a formal complaint against Elan Financial Services for their failure to address inaccuracies in my credit report properly and for their non-compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, they violated several provisions, including 15 U.S. Code 1666B regarding the timing of payments, 15 U.S. Code 1681i ( a ) ( 2 ) ( A ) ( i ) concerning the reinvestigation of disputed information, and 15 U.S. Code 1681b related to the permissible purposes of consumer reports. 



On XX/XX/year>, I contacted Elan Financial Services to dispute an inaccuracy on my credit report. On XX/XX/year>, I received a letter from the company stating that they had conducted an investigation. However, they failed to provide the required documentation or a description of their investigative procedures as mandated by law. This lack of transparency and non-compliance has negatively affected me in multiple ways. Financially, it has hindered my ability to secure a mortgage and purchase a home. Emotionally, the unresolved nature of this issue has caused significant stress and XXXX. 



I have made efforts to resolve this matter by contacting Elan Financial Services directly, but they have not fulfilled their legal obligations to provide the necessary documentation. As a result, I am requesting immediate action to address this issue. Specifically, I ask that the inaccurate item be deleted from my credit report, that Elan Financial Services comply with the FCRA by providing a full description of their investigation procedures, and that an investigation be conducted into their practices to ensure accountability and prevent future violations.

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue 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 explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
This agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them and they are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: NV

Complaint narrative:
This is my second requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX Balance Owed : {$5700.00} XXXX XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXXXXXX XXXX XXXX  Balance Owed : {$19000.00} XXXX XXXX XXXX Balance Owed : {$5700.00} XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXXXXXX XXXX XXXX Balance Owed : {$5700.00} XXXX XXXX  XXXX Balance Owed : {$2200.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: NV

Complaint narrative:
This is my second requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXXXXXX Balance Owed : {$5700.00} XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX  XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX Balance Owed : {$5700.00} XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX  XXXX Balance Owed : {$5700.00} XXXX XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: FL

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am reporting this against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ).

Cash App has failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair, deceptive and inconsistent, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: MD

Complaint narrative:
I am filing a complaint to address misreported information that has been mixed into my credit report. There are accounts appearing on my report that do not belong to me and are likely linked to someone elses profile. This inaccurate reporting is causing harm to my credit standing and raises serious concerns with my ongoing issue of fraud and identity theft. This situation violates my rights as a consumer and negatively impacts my financial reputation. Please prioritize this matter to ensure my credit report is accurate and reflects only legitimate information associated with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: IL

Complaint narrative:
I am filing a complaint with Equifax for failing to properly investigate and resolve a dispute regarding XXXX XXXX XXXX and XXXX XXXX XXXX. I would like these accounts removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: CA

Complaint narrative:
I am writing to file this complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against 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 2025-01-25 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: MT

Complaint narrative:
I am writing to formally dispute medical debt 's listed on my credit report, which should be removed immediately based on the new rules finalized by the Consumer Financial Protection Bureau ( CFPB Regulation V ). This rule, which took effect on XX/XX/year>, states that MEDICAL DEBT must be excluded and blocked from consumer credit reports.

Per Docket Number XXXX, The Consumer Financial Protection Bureau ( CFPB ) has issued a final rule amending Regulation V, which implements the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681-1681x, concerning medical information. The FCRA prohibits creditors from considering medical information in credit eligibility determinations. The CFPB is removing a regulatory exception that had permitted creditors to obtain and use information on medical debts notwithstanding this statutory limitation. The final rule also provides that a consumer reporting agency generally may not furnish to a creditor a consumer report containing information on medical debt that the creditor is prohibited from using.

After reviewing my credit report, I noticed that it includes medical debt that meets the criteria for removal under the law. You are in direct VIOLATION
of this law per the CFPB and FCRA.I am requesting that these items be promptly REMOVED and BLOCKED from my credit report.

Details of Medical Debt : XXXX. Medical Collection XXXX XXXX XXXX XXXX Account Number : XXXX The FCRA prohibits creditors and/or Collection agency 's from using and/or reporting ANY Medical Accounts, Information, on consumer reports. PLEASE REMOVE AND BLOCK THIS INFORMATION WITHIN 4 DAYS. 

XXXX. Medical Collection XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX The FCRA prohibits creditors and/or Collection agency 's from using and/or reporting ANY Medical Accounts, Information, on consumer reports. PLEASE REMOVE AND BLOCK THIS INFORMATION WITHIN 4 DAYS.

This debt is a medical collection, and based on the new CFPB rule, I respectfully request that the entry be removed and clocked from my credit report. I have enclosed any relevant documentation and CFPB Complaint.

Please investigate this matter and provide me with a written confirmation once the debt has been REMOVED and BLOCKED. If further documentation or clarification is required, please let me know.

Thank you for your prompt attention to this matter. I look forward to your response.

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 2025-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: BROKER SOLUTIONS, INC.
State: CO

Complaint narrative:
I applied for a refinance through New American Funding for me and my aunt to keep my home .the loan XXXX XXXX XXXX XXXX not even have my loan for more than two weeks or any of my additional income and she called me and denied my loan. I did not even submit any of my paperwork regarding my income. she also had my aunts income wrong. She just said you are denied. I can not send you any paperwork saying why. the amount you were approved for the interest rate. Youre approved for nothing. She said no paperwork will be coming your way. She said I will send you something in the mail. Just saying you were denied. I said I need all the information why credit score debt income ratio loan approval interest rate she said nope you are getting nothing later that week. I got a paper from them just showing how to obtain my credit report. I know for a fact that me and my aunt have enough income to keep this house. She did not give me any options to buy down points. Me and my aunt have money in the bank we could pay down the existing mortgage. She said no theres nothing I can do for you and I can not send you anything. It was mind blowing to me that she just disregarded us. She did not even let me submit my paperwork fully. She was missing about {$7000.00} of income that I had and she did not have my aunts income correct either. I did file with the corporate office on Tuesday the XXXX today is the XXXX. I have not heard back from them. I have called the offices that are local and all I get is a busy signal from both offices all day. Every day I have left numerous messages. I never heard back from anyone This company. Is absolutely unprofessional and unethical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I applied for an auto loan with Navy Federal Credit Union on XX/XX/year>2025 at the advertised APR of 5.59 % for exceptional credit of which my credit qualified by their own standards. The loan documents I received stated an increased rate of 9.67 % APR. I called Navy Federal to inquire about the increase, was told that I could not speak with an underwriter and, they were unable to disclose the algorithm involved in making the decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
MY interest rates on my Capital one 360 savings never increased over the years. It was originally ING saving account when I was a teenager and years later Capital One bought them out and it became Capital one 360 Savings. Since then I haven't seen any increases in my interest earrings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: CA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that are marked inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: NC

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standard
s 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. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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


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


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Thrift Investment Corp.
State: CT

Complaint narrative:
I financed a car loan through Thrift Investment Company back over the summer. The vehicle I purchased was a lemon by definition. Something inside my engine broke off and destroyed it. I have been trying to get back and forth from my job and struggling to make ends meet because of this. I pay around {$75.00} a day to get back and forth to work. I got a text message on XX/XX/year> from XXXX ( XXXX ) XXXX saying theyre repossessing my car and to have my keys ready. As I called the number I was met with a very rude woman who was cursing at me and threatening to sue me. 

I then called Thrift Investment and got a customer service representative. This man was incredibly condescending right off the bat because I was upset that the repossession employee was speaking to me this way. He was sarcastic and condescending up until he transferred me to the senior credit manager XXXX XXXX. XXXX proceeded to verbally abuse me, be condescending, be incredibly childish by not letting me speak and then because of my attitude he then started to threaten to garnish 20 % of my wages instead of the original plan of repossessing the car because Im refusing to be reasonable. He actually said this in the recording. He wouldnt even let me speak, he continued to cut me off and refused to work out a deal with me when I explained I cant afford to pay this loan and another loan when I get a replacement vehicle and I asked if there was any monthly payment we can settle on. He refused and continued to repeat the amount I agreed with when I signed for the car. I recorded most of this exchange and have sent it to my lawyer. I will attach some transcripts from the conversation and the recordings of him threatening me. I feel harassed, disrespected and intimidated. I am not the only person complaining about this company. You can read all the negative XXXX reviews which also mention XXXX.

Company response to consumer: Closed with explanation