vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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, 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 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
I am submitting this complaint regarding Navy Federal Credit Unions failure to provide adequate information concerning two charged-off accounts : one auto loan and one personal loan secured by a personal watercraft. I am the borrower on both accounts. 

On XX/XX/year>, I contacted Navy Federal by phone to inquire about resolving these debts. I explained that I am now financially stable after experiencing a XXXX  hardship and that I wish to pay off the full balance on both loans and obtain the vehicle title and title to the personal watercraft. However, the representative was unable to provide basic account information, ownership status, or guidance on how to resolve the balances or reclaim the collateral titles. 

As a result, I have submitted a formal written request to Navy Federal Credit Union on XX/XX/year>, seeking : The current balance and account numbers for both loans Confirmation of whether NFCU still owns the accounts Payoff instructions Assurance that titles will be released upon full payment I have also notified NFCU of my new address and have requested all future communications be in writing via USPS Certified Mail. 

A copy of that letter is attached to this complaint for review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DigniFi
State: LA

Complaint narrative:
Sent a debt validation letter & a pay for delete request, it has been over 30 days. I would like this removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: NY

Complaint narrative:
IN ACCORDANCE WITH THE FAIR REPORTING CREDIT ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15USC1681 SECTION 602 STATES I HAVE A RIGHT TO PRIVACY 15USC 1681 SECTION 604A SECTION 2 IT ALSO STATE THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS UNDER 15USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT ACCOUNT UNDER A OPEN AN CONSUMER PLAN AS LATE FOR ANY PURPOSE.

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 2025-04-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My husband and I had a XXXX with Chase Bank that matured XX/XX/XXXX. The maturity value was {$54000.00} at the conclusion of a XXXX term that had an interest rate of approx. 4.75 %. We were not notified via US mail, text, or email of the impending CD maturity date. Chase Bank posted a letter dated XX/XX/XXXX to their website that we were unable to access, nor did we know this communication existed. We ultimately obtained a letter from the Chase website stating that the XXXX would automatically renew on XX/XX/XXXX with a new maturity date of XX/XX/XXXX. It also stated that " You'll receive the rates that are in effect on XX/XX/XXXX, which may be lower than your current rates. '' Calling Chase, we learned that our CD had been rolled over for a XXXX term with a rate of 0.01 % APR. We went to the nearest branch to withdraw our funds. They could provide no cogent explanation as to why our funds were accruing interest at this infinitesimal rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: Kikoff Inc.
State: MI

Complaint narrative:
RE : formal dispute of inaccurate credit reporting under FCRA and consumer law To whom it may concern, I am writing to formally dispute an accurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct reasonable investigations of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerning regarding XXXX XXXX to conduct proper investigations. Specifically, in a lawsuit filed against experience, the CFPB alleged that the company engaged in XXXX investigations violating consumer protection law by failing to meet the obligations of the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), experience is required to conduct a thorough and reasonable investigation of disputed idols within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information filed to be inaccurate, incomplete, or unverifiable must be properly deleted or corrected. Fail to adhere to these requirement constitutes a violation of federal law.

I hear by request that experience : 1. Conduct a thorough investigation of the following dispute accounts or items 2. Provide me with all documentation used to verify the accuracy of the disputed information. 
3. Correct or delete any information that can not be verified or is in accurate, as mandated by law. Given the recent CFPXXXX findings, I expect experience to handle this dispute with the utmost seriousness and compliance with the legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate investigation. 
If experience fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the XXXX and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: CT

Complaint narrative:
I have been dealing with this issue since XX/XX/year>, regarding my pending claim and it is still unresolved. Ive contacted Truist multiple times, including speaking with a supervisor, and I continue to get the same response : Its with the analyst. That response has not changed in over four months. 

Ive also spoken directly with the merchant multiple occasions, and they confirmed that they have not received any communication or email from Truist to verify or confirm my claim. This means no progress has been made from Truists side to help resolve the issue. 

The lack of follow-up, communication, and urgency from Truist is extremely unprofessional and unacceptable. Ive been more than patient.

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 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
b'I responded to a text on my phone ostensibly from XXXX XXXX a respected organization back on XXXX XXXX.  I did not think to check the URL. It turned out to be a fraudulent loan person. I am a senior and was under the assumption that this was a legit lender and also did research. I was caught in a fraudulent situation where this scammer deposited checks through the capture feature and used my signature to process through my account. BMO bank then caught this and put my account under investigation.  They said it would take 30 days to investigate and only allowed deposits from this account. The bank allowed me to open up a new account and yesterday while using my debit card I could not purchase items which I then had to contact the bank to find out that they had put a freeze on my new account, without advising me of such.  So I went onto the branch yesterday in XXXX  CA and was informed by XXXX  after she was in the phone with the fraud dept that I could not take out my money from my new account and that they were closing my account and would send me a check. Again I am a mother and grandmother and I had no other form of financial means. This is illegal under these circumstances. My new account should not have had any affect on the other account under investigation. Also during this process the only information the bank sent me were the fraud checks and no status of what was going on. I called the branch mgr today XXXX and was told that she was not able to do anything because the fraud dept of the bank held all the power to release my funds.  The phone number to BMO branch in XXXX, CA is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. I have XXXX  in my new account that I need immediately.'

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 2025-04-17 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:
Consumer Name XXXX XXXX XXXX, Consumer Social Security NumberXXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 # ( private case number ) as proof from the US 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 2025-04-18 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: NC

Complaint narrative:
XXXX XXXX XXXX {$7100.00} XX/XX/XXXX XXXX XXXX  {$8400.00} XX/XX/XXXX I XXXX XXXX {$2400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$550.00} XX/XX/XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXXt {$18000.00} XX/XX/XXXX XXXX {$270.00} XX/XX/XXXX XXXX XXXX  XXXX {$1500.00} XXXX XXXX, XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$3700.00} XX/XX/XXXX none of the amounts are accurate and balances have been paid off, XXXX is XXXX and was never opened by me. my finances and personal information was leaked on dark web since XXXX fraudulent bank accounts have been opened phone companies.

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 2025-04-18 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: NC

Complaint narrative:
XXXX XXXX XXXX {$7100.00} XX/XX/XXXX XXXX XXXX  {$8400.00} XX/XX/XXXX I XXXX XXXX {$2400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$550.00} XX/XX/XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXXt {$18000.00} XX/XX/XXXX XXXX {$270.00} XX/XX/XXXX XXXX XXXX  XXXX {$1500.00} XXXX XXXX, XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$3700.00} XX/XX/XXXX none of the amounts are accurate and balances have been paid off, XXXX is XXXX and was never opened by me. my finances and personal information was leaked on dark web since XXXX fraudulent bank accounts have been opened phone companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana, XXXX XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Credit Reporting Request for Investigation and Removal Account Name : XXXX XXXX Account Number : XXXX Balance : {$3600.00} To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information reported on my credit report concerning the above-mentioned account. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information is found to be inaccurate or unverifiable, it must be promptly corrected or deleted. 
The account listed under " XXXX XXXX '' and numbered " XXXX '' contains several inaccuracies that I believe violate the FCRAs accuracy requirements. I request a full investigation into this account and demand that the information be 100 % accurate across all three major credit bureaus. If the information can not be verified and corrected to reflect complete accuracy, it must be DELETED entirely from my credit report as required by law. 
Verify the balance for completeness and accuracy. 

Please confirm in writing the results of your investigation and send me an updated copy of my credit report. I am including a copy of my identification and proof of address to assist with your investigation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I recently reviewed my credit reports and was shocked to find a collection account from IC Systems for what is purported to be a XXXX XXXX debt. I am formally disputing this collection, as I do not recognize the debt and have no recollection of ever having this account. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. This includes the XXXX letter that is required to notify a consumer of a collection. The lack of prior notification has raised significant concerns regarding the validity and accuracy of this account. Due to this erroneous reporting, I have encountered difficulties securing credit, which is now directly impacting my ability to obtain a home loan. When I called the company directly I was told this was my ex wifes account and my name was not on this so they could not discuss this with me. The collection company told me it wasnt my debt yet they are reporting to my credit report. the entire account needs to be deleted with all bureaus immediately.

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 2025-04-17 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: NY

Complaint narrative:
I am writing to formally dispute the accuracy of the accounts and inquiries reporting on my credit file. I am the victim of identity theft, and I did not open, authorize, or have any involvement with these accounts. They are fraudulent and were established without my knowledge or consent.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Subject : Request for Reinvestigation of Credit Report Account FCRA 611 To Whom It May Concern, I am writing to request a reinvestigation of an account listed on my Equifax credit report under the following information : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Creditor Name : XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance Owed : {$5400.00} Account Status : Closed Account Rating : Derogatory Dispute Status : Account information disputed by consumer, meets FCRA requirements Under the Fair Credit Reporting Act ( FCRA ) 611, I am requesting that you verify this information and confirm its accuracy. Please provide the outcome of your reinvestigation along with a description of the procedures used. 
If the information can not be confirmed, it must be corrected or deleted in accordance with federal law. 
Thank you for your cooperation and attention to this request. 
Sincerely, 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 2025-04-17 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: NY

Complaint narrative:
Please remove and block the unauthorized accounts listed on my credit report at your earliest convenience. I did not authorize or create these accounts and am unaware of where they originated. As per USC 1681g, I am requesting their removal within 15 days. Supporting documentation is included for your careful evaluation. The information reported varies between credit bureaus and is incorrect.

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