vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio recoveryXXXX XXXX XXXX XXXX XXXX XXXXXXXX are asking me for payments of debts that i did not contracted with either one of these companies. The above companies also pulled hard inquiries on my credit worthiness without ny authorization. I demand that these activities cease immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
The company 's privacy notice agreement for the account ( s ) does not include any mention of an option to opt out of sharing personal information with affiliates. This lack of disclosure contrasts with the practice of providing consumers with closed accounts the opportunity to opt out of such sharing. Given this, I would like to exercise my consumer rights under 15 U.S.C. 6208 and formally request to opt out of any sharing of my personal information with affiliates. I believe this action is necessary to protect my privacy and align with the rights granted under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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:
To Whom It May Concern, I am writing to formally dispute multiple fraudulent accounts that have appeared on my credit report under my name, XXXX XXXX XXXX. I did not open these accounts, nor did I authorize anyone else to do so on my behalf. These accounts were established without my consent and are the result of identity theft or unauthorized activity.

Under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations, I have the legal right to dispute and request the removal of any inaccurate or fraudulent information on my credit report. Specifically : FCRA 611 ( 15 U.S.C. 1681i ) grants me the right to dispute incomplete or inaccurate information and requires the credit bureau to investigate my claim within 30 days.

FCRA 605B ( 15 U.S.C. 1681c-2 ) states that when an account is reported as resulting from identity theft, the credit reporting agencies must block the fraudulent information within four business days.

CFPB protections reinforce my right to accurate reporting and require credit bureaus to act in my best interest when investigating fraudulent activity.

I demand that these fraudulent accounts be investigated immediately and permanently removed from my credit report. Additionally, I request that you send me a copy of the investigation results, an updated version of my credit report reflecting these corrections, and a letter confirming the deletion of the disputed accounts.

To support my claim, I have attached the following : A copy of my government-issued ID A completed FTC Identity Theft Report Failure to remove these fraudulent accounts will be a violation of my consumer rights under federal law, and I will not hesitate to escalate this matter to the CFPB or pursue legal action if necessary.

Please confirm receipt of this dispute and respond in writing within the legally mandated timeframe. You may contact me at XXXX XXXX, if you require any further information. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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:
To Whom It May Concern, I am writing to formally dispute multiple fraudulent accounts that have appeared on my credit report under my name, XXXX XXXX XXXX. I did not open these accounts, nor did I authorize anyone else to do so on my behalf. These accounts were established without my consent and are the result of identity theft or unauthorized activity.

Under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations, I have the legal right to dispute and request the removal of any inaccurate or fraudulent information on my credit report. Specifically : FCRA 611 ( 15 U.S.C. 1681i ) grants me the right to dispute incomplete or inaccurate information and requires the credit bureau to investigate my claim within 30 days.

FCRA 605B ( 15 U.S.C. 1681c-2 ) states that when an account is reported as resulting from identity theft, the credit reporting agencies must block the fraudulent information within four business days.

CFPB protections reinforce my right to accurate reporting and require credit bureaus to act in my best interest when investigating fraudulent activity.

I demand that these fraudulent accounts be investigated immediately and permanently removed from my credit report. Additionally, I request that you send me a copy of the investigation results, an updated version of my credit report reflecting these corrections, and a letter confirming the deletion of the disputed accounts.

To support my claim, I have attached the following : A copy of my government-issued ID A completed FTC Identity Theft Report Failure to remove these fraudulent accounts will be a violation of my consumer rights under federal law, and I will not hesitate to escalate this matter to the CFPB or pursue legal action if necessary.

Please confirm receipt of this dispute and respond in writing within the legally mandated timeframe. You may contact me at XXXX XXXX, if you require any further information. 

Sincerely, 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 2025-03-21 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: MD

Complaint narrative:
XX/XX/XXXX, {$4700.00} / XX/XX/XXXX, {$2800.00} / XX/XX/XXXX, {$4000.00} / XX/XX/XXXX, {$560.00} / XX/XX/XXXX, {$2000.00} / XX/XX/XXXX, {$980.00} / XX/XX/XXXX, {$250.00} / XX/XX/XXXX, {$990.00} / XX/XX/XXXX, {$490.00} / XX/XX/XXXX, {$270.00} I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported the theft to of my identity to the Federal Trade Commission and I have uploaded copies of the identity theft report. Please delete the items as soon 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 non-monetary relief
Consumer complaint received 2025-03-21 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:
XX/XX/XXXX, {$4700.00} / XX/XX/XXXX, {$2800.00} / XX/XX/XXXX, {$4000.00} / XX/XX/XXXX, {$560.00} / XX/XX/XXXX, {$2000.00} / XX/XX/XXXX, {$980.00} / XX/XX/XXXX, {$250.00} / XX/XX/XXXX, {$990.00} / XX/XX/XXXX, {$490.00} / XX/XX/XXXX, {$270.00} I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported the theft to of my identity to the Federal Trade Commission and I have uploaded copies of the identity theft report. Please delete the items as soon 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 non-monetary relief
Consumer complaint received 2025-03-21 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: IL

Complaint narrative:
I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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:
Please take action to remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize them and do not recognize their origins. As per USC 1681g, I am requesting their removal within 15 days. The necessary documents are attached for review. Furthermore, there are discrepancies in the account details, as different information is being reported to each bureau.

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 2025-03-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I was denied credit approval because my identity was stolen and i wasn't able to get approved due to low score so this needs to come off my credit report as an inquiry

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 2025-03-21 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: Kriya Capital, LLC
State: FL

Complaint narrative:
There has been negligence on my credit reporting given some accounts are old and need to be removed down to accounts i dont even know about or owe. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt exist. I also did not give my information or permission for my information to be used or sold to any company or bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: CA

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 fess due to lagged posting of charges and credits. This issue aligns with the 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 an 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 2025-03-21 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
I have tried several times to pay off my car loan only to have the funds reversed. I am paying funds from an USAA account for a usaa car loan. And when i call and talk to them i am sent from department to department and then told the department I actually need is closed.

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-21 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX minutes ago ) to XXXX XXXX am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX 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 complies with federal law and provides consumers with the necessary proof of investigation. XXXX I want the CFPB to publish this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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 can NEVER get Mohela on the phone. I desperately need them to calculate my payment under the Income Based Repayment Plan. I have been waiting since XX/XX/year>. The loan says it's in forebearance. Now, I am trying to get a mortgage, and I can not because there is no payment listed on the credit report. I have been on hold with Mohela for 5 1/2 hours today with no hope in sight of a human being answering the phone. They have never once responded to a call back request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 5BD

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 2025-03-22 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: TX

Complaint narrative:
Im writing to formally dispute several accounts listed on my credit report that are completely unknown to me. These accounts do not belong to me, and I have no knowledge of them whatsoever. Ive never opened or authorized any transactions with the companies associated with these accounts, and I believe this is a case of mixed data or an error.

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 2025-03-21 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-21 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: GA

Complaint narrative:
I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed.

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 2025-03-21 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
American Express placed two hard inquiries on my XXXX credit report on XX/XX/year> and XX/XX/year>, as part of the same general application process. I believe this was excessive, as one hard pull within this short timeframe should have sufficed. I am requesting that one of these inquiries be removed, as two separate pulls on the same bureau within 24 hours is redundant. They also pulled my transunion, and if possible id like to remove that as well. 

I have also contacted American Express directly and submitted a dispute with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I used my cash app card to purchase XXXX XXXX  on XX/XX/year> for {$46.00}. The website turned out to be a scam and I immediately tried to dispute the charge. Cash app said that it was a legit company even though I never received the XXXX XXXX that I purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: TX

Complaint narrative:
I came across the CFPB Experian Lawsuit.

I feel I was negatively impacted, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''.

I want to see the results due to I know they're are not.

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 2025-03-21 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 have attached a FTC report with a fraudulent account as well as I have listed 3 fraudulent inquires to be removed under FCRA 605b FCRA 15 usc 1681B should also apply as this account is unfairly impacting my credit and my ability to obtain credit for legitimate purposes.

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 2025-03-21 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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