vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
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 : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$2400.00} XXXXXXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX  XXXX Balance : {$730.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3800.00} XXXX  XXXX XXXX Balance : {$0.00} This account has resulted in several appearing on my consumer XXXX 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 account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
reported an unauthorized transaction of {$XXXX} on my debit card. However, I have never used this debit card for online or in-person purchases, ATM withdrawals, or any transactions other than wire or ACH transfers. Despite this, the bank denied my claim, stating that the transaction was " authorized because pin was used. '' Furthermore, the bank has been extremely unhelpful throughout this process. 
I have had to make multiple phone calls, only to be redirected repeatedly, with agents either not responding or providing no meaningful assistance. The bank has failed to properly investigate the dispute and has not provided any reasonable explanation for their decision. I am requesting that the bank properly investigate this fraudulent transaction and uphold its XXXX liability fraud protection policy, ensuring that I am not held responsible for unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I have been a victim of identity theft, and this debt does not belong to me. I have made multiple attempts over the years to resolve this issue and have reached out to the appropriate parties without success. Despite my efforts, this fraudulent account continues to appear on my credit report, negatively impacting my financial standing. 

I am formally disputing this account and requesting its immediate removal from all credit bureaus. Enclosed, I have provided supporting documentation, including an FTC Identity Theft Report and any additional relevant documents, to substantiate my claim. 

Under the Fair Credit Reporting Act ( FCRA ) and identity theft protection laws, I request that you take immediate action to :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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:
These are the accounts that are inaccurate 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 2025-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Tate and Kirlin Assoc
State: FL

Complaint narrative:
The company Tate and Kirlin contacted me XX/XX/year> regarding a collection account. We agreed on a settlement amount, I requested verification of payment schedule and access to the online account. They stated its down and try again later. I provided my banking information for a ACH payment. XX/XX/year> I received notification from bank regarding a check deposit. I dont quickly looked at my account Tate and Kirlin created a check and made a check number on my behalf for the payment to I made on XX/XX/year> with XX/XX/year> as the written check date. I called them immediately stating I never authorized to create a check in my name. The representative said Im the only person they dealt with that is complaining. The supervisor stated hes cancel all my payment arrangements and now I owe all of the balance. They added unspeakable amount of fees and interest. This unethical and misleading and misuse of my information. I dont even own a check book and for this creditor to create a check and make check number is not appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX -BALANCE {$2700.00} - DATE OPENED XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax 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 : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX XXXXXXXX BALANCED {$33000.00} XXXX XXXXXXXX BALANCED {$790.00} XXXXXXXX XXXXXXXX XXXX {$3600.00} XXXXXXXX XXXX XXXXXXXX BALANCED {$16000.00} XXXXXXXX XXXX XXXX BALANCED {$11000.00} XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXXXXXX XXXX XXXX XXXXXXXX BALANCED {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/year> Credit Bureau Name [ Credit Bureau Address ] Subject : Formal Dispute of Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation and correction of the following incorrect information. 

Account in Dispute : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Reported Status : Charged-off with a balance of {$540.00} Inaccuracy : The account is reported as a charge-off with a balance of {$540.00} still due, yet the balance is also noted as written off. A charged-off account should not still reflect a due balance, as charge-offs are categorized as losses by the creditor. This creates an inconsistency that violates FCRA guidelines regarding accurate reporting. 

I request that this error be corrected by either removing the charge-off status if the balance remains or updating the balance to {$0.00} if the charge-off stands. Please provide documentation verifying the accuracy of the reported information. 

Enclosed, I have included a copy of my credit report with the inaccurate information highlighted. If this information can not be verified within 30 days, I request its immediate deletion from my report per FCRA guidelines. 

Please confirm receipt of this dispute and provide written confirmation of the results of your investigation. 

Sincerely, 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 explanation
Consumer complaint received 2025-02-20 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX, TN, XXXX ] [ XXXX ] [ XXXX [ XXXX ] Under section XXXX of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are prohibited from including adverse information that resulted from a consumer being the victim of human trafficking after the consumer has notified the consumer reporting agency and provided the required information and documentation. Section 605C of the FCRA and section 1022.142 of Regulation V, specify the documentation and information required to support a request to remove information on the basis that it resulted from human trafficking. Fraudulent accounts, XXXX XXXX fraud date XXXX account of fraud XXXX amount of fraud {$21000.00}. XXXX XXXX XXXX fraud date XXXX account of fraud XXXX amount of fraud {$19000.00}. XXXXXXXX XXXX fraud  date XXXX account of fraud XXXX amount of fraud {$20000.00}. XXXX XXXX XXXX XXXXaud date XXXX account of fraud XXXX amount of fraud {$10000.00}. XXXX XXXX XXXX XXXX XXXXXXXX, 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 explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: FL

Complaint narrative:
I made multiple payments toward my student loans prior to MOHELAs transition to their new platform. After the transition, my payments never reflected on their new platform. Concerned, I attempted to contact them several times in XXXX and XX/XX/XXXX with no resolution. I was continuously placed on hold and representatives would not transfer me to a superior and instead would place me on a " brief '' hold every two minutes. Consequently, I turned to the BBB where I requested a refund for my payments on XX/XX/XXXX. I then received a correspondence from MOHELA on XX/XX/XXXX that the request for my refund is still " processing '' and could take up to XXXX business days. Well beyond the ninety business days, I called MOHELA again in mid XX/XX/XXXX. The representative I spoke to told me I should receive a check within seven-ten business days, by XX/XX/XXXX. She stated in the event I did not, to call back and speak to a supervisor so they can escalate it. I did not receive anything and called again on XX/XX/XXXX and spoke to supervisor, XXXX who escalated my case for me. She informed me my refund was still not approved and needed a rebill. She also told me she or another supervisor would call me back within 24-48 hours, however I never received a call back. On XX/XX/XXXX I called again to follow- up my case and after waiting on hold for FIVE hours, I finally spoke to gentleman who told me my case # : XXXX is still pending accounting review/approval and could take up to another thirty calendar days and to call back then. 

I do not believe MOHELA is equipped to handle the volume of student loans and their respective borrowers and are unable to service the borrowers in what one would deem is a professional or ethical approach.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: MO

Complaint narrative:
Ive recently checked my consumer credit file and noticed an account by the name of XXXX Account # XXXX is reporting without my consent. I am NOT in dispute to the ownership nor responsibility to this account of MINE, however if you are unable or unwilling to present the mandated provable documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative aspects. It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate reporting with your willful display of the accounts history as being PAID/PAYS as AGREEDNEVER LATE. 

15 U.S.C 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
My name is XXXX XXXX I want to know if I have a bank account with yall in the past year but it was closed by yall and the relationship with yall bank was ended and terminated and I want to know if my mom open her own bank account at yall bank branch because she never have no bank account before with yall or never been on a account with someone else with yall bank if she can also add me on her bank account too and we both can get two debit cards one for me and one for her or no and my ssn is XXXX etc.

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 2025-02-20 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX for Unverified Debt Reporting I am filing a formal complaint against XXXX XXXX XXXX XXXX for their failure to validate an alleged debt reported on my Equifax credit report in the amount of {$2300.00}. Despite my request for verification pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, the agency has failed to provide the legally required documentation to substantiate this debt. 

Violations Committed by XXXX XXXX XXXX XXXX : Failure to Validate the Debt ( 15 U.S. Code 1692g ) The agency has not provided proof of the original creditor, an itemized accounting of the debt, or any signed contractual agreement linking me to this obligation. 

Inaccurate and Unverified Credit Reporting ( 15 U.S. Code 1681e ( b ) ) Credit reporting agencies are required to ensure maximum possible accuracy. XXXX XXXX XXXX XXXX is reporting a debt that has not been validated, which constitutes inaccurate reporting. 

Continuing Collection Efforts Without Verification ( 15 U.S. Code 1692g ( b ) ) Under the FDCPA, collection activities must cease until proper validation is provided. The agency has continued to report and attempt to collect this debt despite lacking proper documentation. 

Potential Violations of Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681c ( a ) ) Negative credit reporting must comply with statutory limits, and the legitimacy of this debt is in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: MO

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-02-20 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: MO

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-02-20 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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