vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: KY

Complaint narrative:
Newrez continues to add daily interest to a loan that I have already paid off and they continue to attempt to charge me mortgage payments. Now they have also added hazard insurance. This property is sold and I do not own it, I have made the payment in accordance with the payoff statement that they provided and yet they continue to try to charge me for this mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have reported incorrect information sent by the credit bureau through my email and formally dispute an error on my credit card statement. Despite my request for further investigation, the company has disregarded the issue. I urge you to resolve this matter promptly and provide a confirmation receipt for my reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: CA

Complaint narrative:
I went on vacation on XX/XX/XXXX and on the first day i lost everything to my name. my wallet, ID, Passport, Debit Card all were stolen out of my hotel room along with most of my prized belongings. My bank account was then wiped completely using my debit card ( Over {$5000.00} taken ) ever since that day the process with navy federal has been an absolute nightmare to deal with. As soon as the transactions were noticed i called immediately to file a dispute. the representative gave me a breakdown on how they work. I urged the representative to take into consideration my situation being stuck here in XXXX with no return flight home and XXXX XXXX  no id and passport. nobody cared. i talked to a supervisor repeated the same information to me nothing done. i have no called for 6 days straight about my situation and nobody can help. ive spoken to the highest supervisors who repeat the same information no matter the dire situation im in. lastly i was directed to put in a message in the message center explaining my situation. i did so immediately and was responded to with no care at all. i explained the entire situation word for word and was responded with this exactly After further review, we show that your claim is still being investigated. A debit card fraud claim can take up to 90 days ; however, please be advised that once a decision has been made on your claim, you will receive a letter to your address of record. If you have any further questions or concerns, feel free to contact us. Navy Federal is available 24 hours a day, 7 days a week at XXXX NO CARE AT ALL!!! No im so sorry to hear about your situation!! NOTHING AT ALL! I was then told i can apply for a loan which was all to get them more business. They then went through that whole process all to tell me i wasnt accepted and took a hit on my credit score for the application!!!! everything is a mess they wont help me im stuck here in XXXXXXXX XXXXor 7 days now with no update no care at all by anybody! terrible!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: KY

Complaint narrative:
This is the 3rd conplaint I have filed with this company about communication tactics. The reply to the previous conplaint was that I would not recieve any calls? I just recieved 3 back to back phone calls with no message left. I am once again formally requesting all communication to be via email or mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Despite my submissions, Equifax, Transunion and Experian 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, Transunion and Experian complies with federal law and provides consumers with the necessary proof of investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

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

Despite my submissions, Equifax, Transunion and Experian 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, Transunion and Experian complies with federal law and provides consumers with the necessary proof of investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: U.S. BANCORP
State: AZ

Complaint narrative:
So I have a new U.S. Bank account just open in XXXX. I made a payment on my XXXX XXXX credit card for {$15.00} and U.S. Bank return the payment because of {$.00}. I feel thats completely ridiculous. That overdraft would not covered or that they would return the item for XXXX I called customer service but basically just said that its up to the bank whether they approve it or not. XXXX XXXX is now going to charge me a {$29.00} fee because of this. I understand that there wasnt enough funds in the account but for something this low is completely ridiculous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I report this negative item and request to the company the accuracy of this account that is on my credit report and I have not received any information but they still show on my credit report. I disputed the accuracy of some of the info to the credit bureaus that are not correct such as my address that are under some of the unrecognized items. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  : {$370.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: U.S. BANCORP
State: FL

Complaint narrative:
They told me that I had to fight this again. Thats why Im here again when these shouldve been off 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 2025-03-11 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: PA

Complaint narrative:
I request the immediate removal of the unauthorized accounts from my credit report. I did not initiate or authorize these accounts and am unaware of their origins. In compliance with USC 1681g, I am formally asking for their removal within 15 days. Relevant documents are attached for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: WI

Complaint narrative:
Zelle, I have a Zelle account for years but only recently has it come to light of you accidentally sent to wrong person you do not recover your money. I would have stopped using zelle

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one they said I old them some thing .but I have paid what I own and they said they will close my account and yes they clear out my credit report .but is been a long time since now I got there credit card but they put the account is had been clear. On there app that I use. .this is scam to me .they try this so they dont have to give me a credit limit increase. .i want cfbp make sure they will not do this to me or anyone il

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Under my rights afforded by the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F ( 12 CFR 1006 ), I am requesting the complete chain of title and proof of assignment contracts proving your legal right to collect.

Specifically, I am challenging your legal right to collect on this debt due to the fact that the alleged obligation was securitized and sold to a trust, thereby breaking the chain of title. If the debt was indeed securitized and transferred into a trust, then Portfolio Recovery Associates no longer possesses the legal rights to enforce collection. If this is the case, then Portfolio Recovery Associates may no longer have the proper authority to collect. As established in FTC XXXX XXXX XXXX XXXX XXXX, a debt collector must have a legally enforceable right to collect a debt. Additionally, XXXX XXXX Portfolio Recovery Associates reinforces that collection activity without proper documentation of ownership violates federal law.. Therefore, I demand : 1. A complete chain of title Provide all documentation, including but not limited to, the original promissory note, assignment agreements, and sale or transfer records proving that Portfolio Recovery Associates has legally reclaimed ownership and the right to collect on this account. 
2. Proof of assignment If Portfolio Recovery Associates is claiming to be the rightful owner, provide all legally binding assignments or endorsements demonstrating an unbroken chain of title from the original creditor to your entity. 

Until proper validation is provided, I request that all collection efforts cease, including reporting this alleged debt to any credit bureau. If you are unable to provide the requested documents proving your authority to collect, I demand that you remove any negative reporting related to this debt and cease further collection attempts. 

I expect to have proof of the complete chain of title and proof of assignment by mail within the legally required timeframe. If you do not comply I will assume you have no legal standing to collect and will consider taking further action to protect my rights. 

Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I was using my PayPal account to transfer my tax refund between other bank accounts and they permanently locked my account and are holding my last {$1000.00} for 120 days. Said I went against their user agreement and I surely did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: FL

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: CA

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored. 

Inaccurate Charge Off/Collection accounts : Company Name : XXXX - Account # : XXXX - Balance : {$0.00} Company Name : XXXX - Account XXXX : XXXX - Balance : {$5700.00} Company Name XXXX XXXX  - Account # XXXX XXXX - Balance : {$0.00} Company Name XXXX XXXX - Account # : XXXX - XXXX : {$15000.00} and Unauthorized Credit Inquiries Company Name : DEPT OF ED XXXX Date Of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX - Date Of Inquiry : XX/XX/XXXX XXXX Name : XXXX  - Date Of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX Date Of Inquiry : XX/XX/XXXX Company Name : DEPT OF ED - Date Of Inquiry : XX/XX/XXXX Company Name : XXXXXXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXX Company Name : XXXXXXXX XXXX  - Date Of Inquiry : 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 2025-03-11 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I noticed certain accounts marked late when they should not be. These accounts should not have any late payment remarks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: PA

Complaint narrative:
I request the immediate removal of the unauthorized accounts from my credit report. I did not initiate or authorize these accounts and am unaware of their origins. In compliance with USC 1681g, I am formally asking for their removal within 15 days. Relevant documents are attached for your review.

Company response to consumer: Closed with explanation