vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This CFPB complaint is filed pursuant to 15 U.S. Code 1681c2, requesting that XXXX and XXXX block the fraudulent information appearing on my consumer credit report within four business days of receiving this notice. The information in question is the result of identity theft and includes fraudulent, inaccurate, and false details related to : A personal loan with XXXX XXXX opened on XX/XX/year>, under account number XXXX. These accounts have resulted in multiple fraudulent hard inquiries and charge-offs reported on my XXXX credit report. I have attached a comprehensive list of these accounts and a copy of my credit report, which highlights the fraudulent items. Additionally, I do not recognize the balances associated with these charge-offs. The aforementioned charge-offs and inquiries were not initiated or authorized by me. They are the direct result of identity theft and fraud. I have included my FTC Identity Theft Report number and supporting documentation from the XXXX Federal Trade Commission to substantiate my claim. A Full and Accurate Investigation has not been done. Every time I dispute they send a notice I need to send my drivers license. I send it in and they make me start dispute all over so that I have to do online.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: U.S. BANCORP
State: OK

Complaint narrative:
Below are the amounts owed due to forbearance. These amounts were added " to the back of the loan '' which as an average person we assume is " we will extend your long for those months '' but what they actually did was RENEW my entire loan AND added time to my loan. so it was base balance of XXXX + XXXX .... and for the XXXX forbearance they added that amount to XXXX... 

XXXX ( XXXX ). {$11000.00} XXXXXXXX XXXX {$5500.00} interest from forbearance XXXX XXXX {$9900.00} XXXX XXXX XXXX interest XXXX Current Balance Owed as of XXXX ( XXXX ) : {$95000.00} I received an amortization document, and somehow my LOAN amount as of right now is XXXX years. As I scrolled down, I am being charged 80 % interest and paying LESS than XXXX $ towards my balance. USBANK extended my loan well beyond XXXX years, and are pocketing all of the interest while making almost no payment to my balance.

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 2025-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Service of Logan, Inc.
State: UT

Complaint narrative:
They continuously call family member even though they have repeatedly said to stop contacting them. 

I have repeatedly told them they did not to the services they asked and actually ruined pets of my car. They did not change the oil filter and gave me faulty tires.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I currently lease a XXXX XXXX XXXX which is financed with JPMorgan Chase. 
I have had a perfect record of timely payment, until this past XX/XX/XXXX when I was notified that my payment was not received and a XXXX  day late payment was reported to the Credit Bureaus. My payments had always been via auto-payment. However in XXXX of XXXX, my bank account had been compromised and was had to close my business checking account with XXXX and open a new one. This subsequently halted all of my auto payments. I promptly reestablished auto payment for my lease with JPMORGAN Chase. I called to confirm with a customer service representative. For several months It appeared as though payments were not being drawn and I called again to confirm my auto payment was established. I also attempted to confirm on line. On or about XX/XX/XXXX I was sent an notification that my payment was past due in the amount of {$390.00}, I called the same day and provided the past due amount as well as the two remaining payments in full for my lease. I was advised that this was reported as a thirty day late. I attempted to discuss with JPMorgan Chase that I had confirmed the auto payment and they refused to acknowledge any wrongdoing or miscommunication on their part. As a result of this XXXX day last, my credit score went for a XXXX to XXXX approx.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: TX

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XX/XX/XXXX {$1200.00} XXXX {$190.00} XXXXXX/XX/XXXX XXXX XX/XX/XXXX {$2100.00} XXXXXX/XX/XXXXXXXX XX/XX/XXXX {$990.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-02-07 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-02-07 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: NC

Complaint narrative:
Hello, I am submitting this complaint because I recently disputed a collections account on my credit report with Equifax, XXXX, and Equifax via their online dispute system. Despite providing detailed documentation to support my claim that the account is inaccurate/unverifiable, my dispute was not accepted, and no corrective action has been taken on my credit report. 

I believe that my rights under the Fair Credit Reporting Act ( FCRA ) are not being fully respected. I have followed the proper procedures and provided all requested supporting information, yet the outcome of the dispute remains unsatisfactory. I am seeking assistance from the CFPB to ensure that the credit bureau complies with FCRA requirements and that my dispute is properly investigated and resolved. 

Please let me know if further documentation or clarification is needed. I appreciate your help in this matter and look forward to your guidance on the next steps. 

Thank you, 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 2025-02-07 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: NC

Complaint narrative:
Hello, I am submitting this complaint because I recently disputed a collections account on my credit report with Equifax, XXXX, and Equifax via their online dispute system. Despite providing detailed documentation to support my claim that the account is inaccurate/unverifiable, my dispute was not accepted, and no corrective action has been taken on my credit report. 

I believe that my rights under the Fair Credit Reporting Act ( FCRA ) are not being fully respected. I have followed the proper procedures and provided all requested supporting information, yet the outcome of the dispute remains unsatisfactory. I am seeking assistance from the CFPB to ensure that the credit bureau complies with FCRA requirements and that my dispute is properly investigated and resolved. 

Please let me know if further documentation or clarification is needed. I appreciate your help in this matter and look forward to your guidance on the next steps. 

Thank you, 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 2025-02-07 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: NJ

Complaint narrative:
XX/XX/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 explanation
Consumer complaint received 2025-02-07 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: FL

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees ere accessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 

The issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: NJ

Complaint narrative:
In accordance with the fair credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 12 USC 1681. 

Account Account number XX/XX/XXXX 15 U.S.C 1681 SECTION 602A Stated I have the right privacy 15 U.S.C 1681 SECTION 604A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
ACIMA I HAVE 26 payment and I pay XXXX every two. The interest never change. I have eye wear Im pay for

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: SC

Complaint narrative:
I sent two separate ACH contributions to my XXXX XX/XX/XXXXin the amount of {$8000.00} each on XX/XX/XXXX, totaling {$16000.00}. Immediately after submitting the contributions I discovered that I was not legally able to submit any funds to my XXXXXX/XX/XXXX for XXXX and XXXX and contacted Discover to see if the transactions could be stopped but was told that they couldn't. I advised Discover that these payments were considered excess contributions and was told by a Discover agent to submit two separate "XX/XX/XXXXDistribution Form for Traditional, XXXX, and XX/XX/XXXX '' forms and to complete the " Correction of Excess Contribution for Tax Year '' section of the form for XXXX and XXXX. I was told that after the funds posted that I would immediately be sent the {$16000.00}. I was told this by at least two different agents. On XX/XX/XXXX I received a phone call from another agent who told me that Discover wouldn't be able to return my funds for 60 days and that they would not honor my requests to return the excess funds until the 61st day after the deposits were made. The person I spoke to made it sound like it was a government rule but after doing some research I discovered that there was no such rule. I contacted Discover again and asked for the IRS rule that says that they couldn't return my funds for 60 days and was told that it wasn't due to a government rule but it was their policy. When I asked for them to send me the exact policy or where I can find it to read it for myself, I was given some vague reference to their deposit agreement that was available on their website but when I read the agreement it is silent on an policy that says that they can keep my funds for 60 days. If I ask for my money back they have no right to keep it if the funds have been validated and are legitimate. I want my money now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I applied for a XXXX XX/XX/XXXX with 0 % intro APR. After some time I contacted a sofi customer rep online and asked when the intro apr grace period was over, they told me XXXX, but before XXXX came they were already charging me interest on my card. I reached out to Sofi with a screenshot of the conversation and they said they couldnt help me. I reached out toXX/XX/XXXXand after some time they refunded half of the interest charge, but not the full amount. I want them to refund the full interest charge because they gave me wrong information, because of this I was charged interest on my card. I have a screenshot of the convo.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XX/XX/XXXXXX/XX/XXXXXXXX Bankruptcy - XXXXXX/XX/XXXXXXXX - XXXX - {$0.00} XX/XX/XXXX - XXXX - {$0.00} XXXX XX/XX/XXXX - XXXX - {$0.00} XXXX - XXXX XXXX {$0.00} These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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 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 2025-02-07 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: FL

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 2025-02-07 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: IL

Complaint narrative:
The credit bureaus has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of dispoted information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notified consumers of dispute outcomes. These failures align with my experience, where 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 all credit bureaus 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 non-monetary relief