vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Good Morning, I filled several complaints with the Navy Federal Credit Unioni security department who froze my accounts because of personal issues that were going on between me and my husband. Back in XX/XX/year>, my husband took all the money from our joint account ( He was primary ) and transferred it into a new account ( under his name only ) with the Navy Federal Credit Union. When I called Navy All they could tell me is sorry ; ( the money is gone ). We had 2 access numbers, but we managed our accounts under one access number in which was my husband 's. 
After transferring our money, he also managed to change our username and password. I changed it back and transferred the money back to another joint account that I was primary on. I called the bank to advised them of how my husband wants to foreclose on our home. As a result, they frozed the money. Back in XX/XX/year> My husband and I went to the bank to retrieve the money in person. For some reasons, I can not access my mortgage account which is now in foreclosure. I had no way of knowing that he was not making the payments .. From XXXX to XXXX he continued paying the mortgage. By the time I found out that he had stopped making payments on the mortgage it was already too late for me.to keep the loan current. I need access to my mortgage information and the bank security department refused to give me access. For some reasons my husband still have access. He removed our money, block me out of our accounts and in the course of all he has a new loan to purchase a new car. Meanwhile im losig my home where my children live. The bank gave me the option to do the loan modification, which I did. However, he said when the loan modification paperworks come he won't sign them. 

All I'm asking is to access to manage my mortgage account online until I finish paying off the loan. After that, I will never do business with Nave Federal Credit Union because of the way they treat me as a thief reference my own money. 

Sincerely Submitted, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-04-19 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: WI

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$1600.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian

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 2025-04-19 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: WI

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$1600.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian

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 2025-04-19 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: Absolute Resolutions Corp.
State: MD

Complaint narrative:
TRANSUNION I am writing to formally dispute the inaccurate information on my credit report associated with the creditor 's XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX has reported this account to your agency, but has failed to provide the necessary validation of the debt as required under federal and commercial law. I was Incarcerated when this account was created and I've never had account with XXXXXXXX XXXX XXXX XXXX or XXXX. This is a fraudulent account. 

Failure to Validate Debt On XX/XX/year>, I requested that these creditors provide validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I specifically requested documentation proving that I am legally obligated to pay this debt, including a copy of any contract bearing my signature and a detailed accounting of the debt. To date, they have not provided the requested documentation.

Legal Requirements Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, creditors are required to ensure that the information they report to credit bureaus is accurate and verifiable. Since [ Creditor 's Name ] has failed to validate the debt, the information they have reported is unverified and inaccurate, and therefore, it should not be included in my credit report. 

Additionally, the Uniform Commercial Code ( U.C.C. ) provides that I am entitled to receive verification and an accounting of the debt. The creditor 's inability to provide this further underscores the inaccuracy of the information being reported.

Request for Immediate Removal Given the failure to validate the debt, I request that you immediately remove the inaccurate information associated with this account from my credit report. The continued reporting of this unverifiable and inaccurate information is in violation of my rights under the FCRA. 

Please conduct a thorough investigation into this matter and delete the inaccurate information from my credit report. I request that you provide written confirmation of the removal of this information once your investigation is complete. 


Please address this matter promptly. I expect to receive written confirmation of the removal within 30 days of your receipt of this letter. Failure to address this dispute may result in a complaint to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory agencies. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX All rights reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: NJ

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Bankruptcy- XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX Bankruptcy-

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 2025-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
i have been disputing santander consumers of my credit report for a while now. it has not been solved and fact, it keeps popping up on as current but its closed. due to it being a tax write off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: MI

Complaint narrative:
I am filing a complaint against Cashapp ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act (

CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Total of unauthorized transactions is {$860.00} in stolen funds that cashapp has denied the disputes of, they have now also closed my account for violating their terms of service due to filing and refiling the disputes on these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: MD

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: MD

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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

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 2025-04-19 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: BARCLAYS BANK DELAWARE
State: AR

Complaint narrative:
Subject : Goodwill Request for Late Payment Removal I hope this message finds you well. I am writing to formally request a goodwill adjustment concerning a late payment reported on my account at Barclays Bank Delaware I want to acknowledge the late payment and sincerely apologize for the oversight. This was a one-time occurrence and not reflective of my overall payment behavior. I take full responsibility for the delay and have since taken steps to ensure it does not happen again. 

I have been a responsible customer with a history of on-time payments, and I value my relationship with your organization. I respectfully ask you to consider removing this negative mark from my credit report as a gesture of goodwill. Doing so would be immensely helpful as I continue working toward my financial goals, and I believe it would reflect the otherwise positive standing I have maintained with your company. 

Thank you for your time and understanding. I hope you will consider my request, and I appreciate the opportunity to continue being a valued customer. 

Sincerely, 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 2025-04-19 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: MD

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report associated with the creditor 's XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX has reported this account to your agency, but has failed to provide the necessary validation of the debt as required under federal and commercial law. I was Incarcerated when this account was created and I've never had account with XXXX XXXX XXXX XXXX XXXX XXXX. This is a fraudulent account. 

Failure to Validate Debt On XX/XX/year>, I requested that these creditors provide validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I specifically requested documentation proving that I am legally obligated to pay this debt, including a copy of any contract bearing my signature and a detailed accounting of the debt. To date, they have not provided the requested documentation.

Legal Requirements Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, creditors are required to ensure that the information they report to credit bureaus is accurate and verifiable. Since [ Creditor 's Name ] has failed to validate the debt, the information they have reported is unverified and inaccurate, and therefore, it should not be included in my credit report.

Additionally, the Uniform Commercial Code ( U.C.C. ) provides that I am entitled to receive verification and an accounting of the debt. The creditor 's inability to provide this further underscores the inaccuracy of the information being reported.

Request for Immediate Removal Given the failure to validate the debt, I request that you immediately remove the inaccurate information associated with this account from my credit report. The continued reporting of this unverifiable and inaccurate information is in violation of my rights under the FCRA. 

Please conduct a thorough investigation into this matter and delete the inaccurate information from my credit report. I request that you provide written confirmation of the removal of this information once your investigation is complete. 


Please address this matter promptly. I expect to receive written confirmation of the removal within 30 days of your receipt of this letter. Failure to address this dispute may result in a complaint to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory agencies. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX All rights reserved

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 2025-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
On or about XX/XX/year>, approximately XXXX XXXX, I received an email from Ally Bank stating " We declined your transaction, '' an XXXX XXXX payment for {$1000.00}. Ally Bank did not charge an overdraft fee for declining the transaction. 

At the time it was declined, the Interest Checking " Spending '' account had insufficient funds to cover the transaction, but had Overdraft Protection linked to an " Online Savings '' high-yield savings account that nearly had enough. At the time it was declined, the Interest Checking " Spending '' account also had " XXXX '' protection for {$100.00} enabled. The combined total amount of the Interest Checking, Online Savings, and CoverDraft protection was more than enough to cover the XXXX XXXX payment, not to mention the investment accounts I have there which also had enough to cover the CoverDraft. 

Ally Bank should have covered the transaction rather than returning it. According to Ally Bank, " If you have an Ally Bank Spending Account, youre enrolled automatically into CoverDraft. That means if you accidentally spend more than you have in your spending account, youre protected up to a certain amount. '' The XXXX XXXX ( ACH/EFT ) payment did not exceed any understood ACH/EFT limits, would not have overdraft the account by more than {$100.00} ( within the CoverDraft limit ), was not categorically excluded from CoverDraft coverage ( certain transactions are excluded, but scheduled, regular, automatic ACH transactions are coverable ). My assertion is that the bank should have automatically engaged both of my protections in order to cover this transaction but it instead made an instantaneous arbitrary and capricious decision not to, and then stands by it's so-called " discretion '' not to. 

Ally Bank, through it's willful and material negligence, will cause me to owe XXXX XXXX {$25.00} for a return ACH fee ( bounce ) as permitted by the Electronic Funds Transfer ( EFT ) Act. I now am having second thoughts about banking with Ally Bank, whose overdraft protection privileges amount to little more than a lottery or roulette, depending upon how they, alone, decide to deploy the coverages they advertise.

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 2025-04-19 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 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 2025-04-19 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:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. 

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

Account Name : XXXX # XXXX - Opened on XXXX XXXXXXXX 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