vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 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: MA

Complaint narrative:
A XXXX  XXXX account was opened fraudulently. I have tried to resolve it with the company. I want the account removed from my 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 2025-03-01 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: MA

Complaint narrative:
A XXXX  XXXX account was opened fraudulently. I have tried to resolve it with the company. I want the account removed from my 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 2025-03-01 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: MA

Complaint narrative:
A XXXX  XXXX account was opened fraudulently. I have tried to resolve it with the company. I want the account removed from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/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 all of these inquries were made to my credit report, without my knowledge or authorization.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I told them this is NOT MY debt referenced in your communication, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I alleged debt referenced in your communication, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge this debt as mine and request that you provide proper validation before any further action is taken. 
XXXX XXXX XXXX XXXX .Comcast Please provide the following : 1. Proof that you have the legal right to collect this debt, including documentation of your authority from the original creditor.

2. A detailed account of the debt, including the original creditors name, account number, and a breakdown of the amount claimed ( principal, interest, fees, etc. ).

3. A copy of the original signed agreement or contract that proves I am responsible for this debt.

4. A complete payment history, including when the debt was incurred and any payments made.

5. Verification that the debt is within the statute of limitations for collection in my state.

Until this information is provided, you are prohibited from reporting this debt to any credit bureau or engaging in further collection activities, as per FDCPA 15 U.S.C. 1692g ( b ). If you can not validate this debt, I request that you cease all collection efforts and remove any negative reporting from my credit file.

Please respond within 30 days of receiving this letter. Failure to do so will be considered a violation of the FDCPA, and I may pursue legal remedies. do not acknowledge this debt as mine and request that you provide proper validation before any further action is taken.

Please provide the following : 1. Proof that you have the legal right to collect this debt, including documentation of your authority from the original creditor.

2. A detailed account of the debt, including the original creditors name, account number, and a breakdown of the amount claimed ( principal, interest, fees, etc. ).

3. A copy of the original signed agreement or contract that proves I am responsible for this debt.

4. A complete payment history, including when the debt was incurred and any payments made.

5. Verification that the debt is within the statute of limitations for collection in my state.

Until this information is provided, you are prohibited from reporting this debt to any credit bureau or engaging in further collection activities, as per FDCPA 15 U.S.C. 1692g ( b ). If you can not validate this debt, I request that you cease all collection efforts and remove any negative reporting from my credit file.

Please respond within 30 days of receiving this letter. Failure to do so will be considered a violation of the FDCPA, and I may pursue legal remedies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
This letter serves as a formal dispute and demand for immediate corrective action regarding the unauthorized and fraudulent accounts and inquiries appearing on my consumer credit report, which are a direct result of Experians data breach and failure to safeguard consumer information as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. This breach, coupled with Experians failure to conduct a reasonable reinvestigation upon dispute and its unlawful furnishing of my personal information to third parties without my consent, constitutes multiple violations of 15 U.S.C. 1681 and 15 U.S.C. 1611 ( 1 ).

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 2025-03-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a formal complaint against Equifax for its failure to comply with the Fair Credit Reporting Act ( FCRA ) by not removing inaccurate information from my credit report within the legally mandated timeframe. On [ date ], I disputed an incorrect account from XXXX that was reported on my Equifax credit file. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a reasonable reinvestigation and correct or delete any inaccurate or unverifiable information within 30 days of receiving my dispute. However, despite the expiration of this period, the inaccurate information remains on my report, causing undue harm to my creditworthiness and financial standing. Equifax 's failure to promptly remove this account constitutes a direct violation
of the FCRA, particularly 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies maintain maximum possible accuracy in consumer reports. Additionally, under 15 U.S.C. 1681s-2 ( b ), data furnishers are required to properly investigate and correct disputed information. Equifaxs continued reporting of this inaccuracy, despite my valid dispute, demonstrates negligence and a failure to uphold federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: GA

Complaint narrative:
I am writing to file a 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 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 and 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 2025-03-01 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: MD

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 word 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: KY

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 Experian trans union 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 the account is accurate, without providing any evidence di 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 actio
ns 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. 2025-CFPB-0002 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I REACHED OUT TO THIS COMPNAY SEVERAL TIMES WITH NO RESPONSE. FIRST XX/XX/year>, SECOND CONTACT XX/XX/year>, THIRD CONTACT XX/XX/year>. EACH TIME I ALLOWED TIME FOR A RESPONSE. NO RESPONSE GIVEN TO MY DEPANDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a formal complaint against TransUnion for failing to comply with federal credit reporting laws by not removing inaccurate information from my credit report within the required timeframe. On [ date ], I submitted a dispute regarding an erroneous account reported by XXXX, which does not belong to me. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), TransUnion is required to investigate and correct or delete inaccurate, incomplete, or unverifiable information within 30 days. However, despite my dispute and supporting documentation, TransUnion has failed to remove the incorrect account within the mandated period, causing unnecessary harm to my creditworthiness.

Furthermore, under 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of consumer credit reports. TransUnion 's failure to act promptly in removing this disputed item constitutes a violation of this provision. Additionally, the continued reporting of inaccurate information directly violates my rights under the FCRA and subjects me to potential adverse financial consequences, including increased interest rates and denial of credit opportunities. The Consumer Financial Protection Bureau has consistently upheld that credit bureaus must strictly adhere to these legal requirements, and I request immediate intervention to enforce compliance.

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 2025-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: SELECT PORTFOLIO SERVICING, INC.
State: ID

Complaint narrative:
I recently received a correction regarding my mortgage payments due to an error caused by SPS. However, I noticed that an additional charge of {$XXXX} in monthly statement was added to my principal under the description " XXXX XXXX. '' This charge was never authorized, and I believe it is unfair for me to bear any cost resulting from SPS 's own mistake. According to TILA ( Truth in Lending Act ) and RESPA ( Real Estate Settlement Procedures Act ), mortgage servicers are not allowed to impose unauthorized fees. 

I request the immediate removal of this {$XXXX} charge from my principal and a written confirmation of the correction. 

Please provide a written response regarding this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: MOHELA
State: GA

Complaint narrative:
I owe $ XXXX {$55000.00} in student loan. My information was compromised by XXXX XXXX. My monthly payments are too high. My forbearance is out & I thought XXXX had my loans forgiven

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
My Bofa credit card was locked after verifying myself multiple times, they still seem to believe its not me.I have been a customer with them for about 17 years and never experienced this issue before. Bank of America requested i go into a branch with two forms of id to verify my identity. After communicating with " Bank of America '' that i am XXXX and i dont personally drive anymore so it is hard for me to get into a branch, i asked if they have a service where maybe a personal banker can visit me at my home, the answer was no. I also asked if they maybe could accommodate me by at least getting me some form of transportation to a branch, i was told this is not offered by BofA as well. I explained the difficulty that i am having getting to a branch to multiple representatives and even asked for a few supervisors and no one could assist me which is very disappointing considering how long i have been with BofA and my stellar history with them. Today XX/XX/XXXX i was able to actually make travel arrangements and make it into a branch, just for a banker to tell me that i have to set an appointment with a banker to verify my two forms of id which i had right in front of her ( what a joke! ). The next appointment date is XX/XX/XXXX. That is more than 30 days that bank of america is blocking me from using an account. My credit score has dropped XXXX points after receiving the updated balance, which i have inquired about paying multiple times so that it doesnt affect my credit report. Every time i am told i must go in the branch, Bofa wont even allow me to make a payment so that this large balance didnt create an issue on my credit report. You guys are reporting on me but dont want to allow me to use credit that has been offered to me all of these years. Please unlock my account. I have been a good customer with great history. also please update the large balance on my credit report that you guys have not guven me a chance to pay because account is " locked ''., it is impacting my credit in a negative way.

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 2025-03-01 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: IN

Complaint narrative:
My XXXX credit card was used fraudulently. I called to report and the Representative hung up with no return call and they kept my account open allowing more fraudulent charges. Went to Experian submitted a dispute came back it was verified. They did not investigate and it took a week for results to come back

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 2025-03-01 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:
Since around XX/XX/year> I have been harassed countless times by XXXX XXXX  XXXX, XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, ABSOLUTE RESOLUTIONS I XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX others included. They are third party debt XXXX who have broken countless laws and all three credit bureaus are reporting accounts that are inaccurate and fraudulent. My police report is included.These accounts need to be removed and never allowed to be reported again. This is stopping me from attempting to get a home and surviving please handle this as quickly as possible.

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 2025-03-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: CA

Complaint narrative:
Did not receive supporting documentation or information that verifies debt or documentation to dispute the debt before collection. I did not borrow or consent to borrow. The debt does not belong to me.

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 2025-03-01 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: GA

Complaint narrative:
Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( 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 Experian credit reporting agency, 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 credit card account opened at XXXXXXXX XXXX  on XX/XX/XXXX, a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, a personal credit card opened at XXXX on XX/XX/XXXX and a personal credit card at XXXX Card services opened on XX/XX/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 # ( XXXX ) 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