vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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:
XXXX XXXX Social Security Number : XXXX, Date of Birth : XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit account opened at XXXX XXXX XXXX on XX/XX/year> under the account number XXXX with a balance of {$7600.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-22 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:
XXXX XXXX Social Security Number : XXXX, Date of Birth : XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit account opened at XXXX XXXX XXXX on XX/XX/year> under the account number XXXX with a balance of {$7600.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-22 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: SC

Complaint narrative:
I've contacted the IRS and I was told that I have received my XXXX in my account but the bank talking about the have not received my payment yet they should have cause I have got my state tax but now I'm having a issue with the federal tax return.. I have been trying to XXXX XXXX that I had to change my back account to XXXX XXXX XXXX  hoping that they have my tax refund returned to the IRS to update the account number that I just pit online this morning... But I like a check in the mail cause I know that the other routing number is not on file yet with IRS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year> I initiated XXXX disputes with Navy Federal. On the companies website it states that if a determination is not made within 10 business days that a provisional credit may be applied. According to regulation XXXX on disputes, if a dispute investigation can not be completed within XXXX business days, they are required to issue a provisional credit. After speaking with Navy Federal I was told that my dispute does not fall under regulation e and that a provisional credit will not be allowed. We are at the XXXX business day mark and this is what I'm being told. This is outright illegal and false wording on their website does not explain this. I am submitting this complaint to try and receive a resolution for this dispute and hope to allow others to see how Navy Federal has blatant disrespect for the laws put in to protect consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: AL

Complaint narrative:
Wanted my {$8.00} refund back from XXXX that cashapp never refunded back to me. Time after time the app never refunded my cash after saying they did but the cash is not in my account. The amount is even crossed out. So I googled the meaning of that and it gave me multiple reasons like refund error, cancel refund and other reasons as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NY

Complaint narrative:
I am writing to formally notify you, pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605B ), that I am a victim of identity theft and to request the blocking of specific unauthorized credit inquiries that have appeared on my Experian credit report. 

As required, I have enclosed a copy of my official FTC Identity Theft Report ( Report # XXXX ), in which I affirm under penalty of perjury that the following inquiries were fraudulently made without my knowledge or consent : XXXX XXXX XXXX unauthorized hard inquiries XXXX XXXX unauthorized hard inquiries XXXX XXXX unauthorized hard inquiries These inquiries occurred in or around XX/XX/year>, and I became aware of them only after reviewing my credit report. 

In accordance with the FCRA, I request that Experian : Block all the fraudulent inquiries listed above from appearing on my credit report.

Provide written confirmation that these inquiries have been permanently removed or blocked.

Conduct a proper reinvestigation into these inquiries, ensuring compliance with your obligation to respond within 4 business days as required under FCRA 605B. 
Please note, reporting inaccurate or unverifiable information without proper investigation constitutes a violation of the FCRA and may subject your agency to enforcement actions and damages. 

If additional information is required, please notify me in writing. Otherwise, I expect resolution within the statutory timeframes. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
National Credit is trying to collect an alleged debt that's not mine and haven't provided documentation or proof of this alleged debt, 15 usc 1692c ( c )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i tried to explain earlier here that after being diagnosed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX th I had major XXXX XXXX and given XXXX  months to live. i moved several times including across country twice trying to get help. Each time I filled out the change of address form for XXXX to forward my mail including billing statements.I had tried to protect my cards and id by putting them in a XXXX XXXX  and forgot about them because of other obvious reasons of trying to stay alive. It isn't until XXXX weeks ago that after my personal Information was hacked and a different Capital One card called XXXX  of whom I am still contesting that fraud along with the credit bureaus, that I realized that I need a credit card for emergencies when I found my Capital Now credit caed that hadn't expired. that was their XXXX card. I called to make sure it was still active thinking I was safe when they told me the account was closed after not paying a total expenditure before i put in in the lock box of just {$34.00}. Even though the account had been closed I still wanted to pay what I owed and was refused because they zeroed out the account after the 120 days past due which I told them was not my fault but they still held me responsible. this has damage my credit score along withe fraudulent Capital One Savor card that I didn't apply for and was used without benefit to me and the applications address originated in XXXX  when I live in XXXX. the emails didn't match mine and no signature was applied.please help

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
i tried to explain earlier here that after being diagnosed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( th I had major XXXX XXXX and given XXXX  months to live. i moved several times including across country twice trying to get help. Each time I filled out the change of address form for XXXX to forward my mail including billing statements.I had tried to protect my cards and id by putting them in a lock box and forgot about them because of other obvious reasons of trying to stay alive. It isn't until XXXX weeks ago that after my personal Information was hacked and a different Capital One card called XXXX of whom I am still contesting that fraud along with the credit bureaus, that I realized that I need a credit card for emergencies when I found my Capital Now credit caed that hadn't expired. that was their XXXX card. I called to make sure it was still active thinking I was safe when they told me the account was closed after not paying a total expenditure before i put in in the lock box of just {$34.00}. Even though the account had been closed I still wanted to pay what I owed and was refused because they zeroed out the account after the 120 days past due which I told them was not my fault but they still held me responsible. this has damage my credit score along withe fraudulent Capital One Savor card that I didn't apply for and was used without benefit to me and the applications address originated in XXXX when I live in XXXX  the emails didn't match mine and no signature was applied.please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Complaint title : dispute and request for update of personal information. 

I am submitting this complaint against TransUnion Credit Reporting Agency regarding inaccuracies in my personal information as reported in my credit report. 

Details of the dispute : Name : My current legal name is XXXX XXXX XXXX XXXX but it is incorrectly listed on my credit report as XXXX XXXX XXXX XXXX, and XXXX, XXXX. I respectfully request that these XXXX incorrect names be removed from my credit report, and that only my current legal name, XXXX XXXX XXXX XXXX be reflected.

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my Social Security and my drivers license, displaying my correct name.

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 2025-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL

Complaint narrative:
My credit report was pulled without my permission invasion of privacy. There should have been no question about my credit to close my escrow account. PennyMac is gaslighting but not explaining WHY my escrow account was close I ask for my escrow account to be close because unfair practices violation by their Servicer I want in a letter from PennyMac why did I want my escrow account close. Cashier check in the upper left hand side the word mortgage is visually seen PennyMac decided to put ALL of it into principal I caught the error because PennyMac my experience is that this company have wrongful practices that can financially destroy a homeowner. This could had cause me to be behind in my mortgage. I moved into a new construction after the house is completed my property tax would increase to be ahead I would send money order hand written ADDITIONAL ESCROW again put the whole amount into principal This could had cause me to be short in my escrow and indeed my property tax did increase after the house was built. This was an ongoing violation this is the reason why I was force to have my escrow close. Again this is PennyMac/Servicer fault my credit score should had no bearing on closing out my escrow account. Thank God for CFPB where homeowner can expose companies like PennyMac who can destroy people lives financially I want to know from PennyMac which is documented in my payment history on how they had to reverse payments more than once I want a letter explaining what was the REASON that my escrow account was CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Portfolio Services, Inc.
State: MO

Complaint narrative:
Over {$3000.00} consumer portfolios trying to collect debt. On XXXX  it states charge-off but as of today XX/XX/XXXX they are still trying to collect debt. I have been trying to make payments. Last payment was made on XX/XX/XXXX because family has been trying to help consume my credit. I checked on XX/XX/XXXX on my XXXX  report it is stating account paid but consumer portfolios calling with threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: CA

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 non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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 2025-04-22 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: 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 non-monetary relief
Consumer complaint received 2025-04-22 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION 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 has violated my rights. 

EQUIFAX 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 has violated my rights. 

EXPERIAN 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 XXXXXX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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