vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: LA

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 postings 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 2025-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: OH

Complaint narrative:
This company offers payday advances and I have taken money out over the years. Today I found out that I no longer have a job and I try to revoke my ACH authorization and revoke any debit card authorization as well cause I need the money to survive and the company flat out refused and said theyre not honoring my request to revoke The ACH or debit card. The lady was very heartless in the chat and refused to help me at all and just kept saying well well just withdraw a little at a time whatevers available in your account thats money that I need to survive on. Thats why Im revoking my ACH when I have the money to pay it back. I will gladly pay it back, but Ive never seen a company that doesnt abide by the law and has no XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: PA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-28 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. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$13000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$120.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$690.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$480.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$920.00} XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$1000.00}

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 2025-01-28 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: SC

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Cherrington Firm PLLC
State: UT

Complaint narrative:
I was contacted regarding a medical debt from XXXX and XXXX. I asked about the new rule going into effect later this year that specifies medical debt can not be reported to credit bureaus. The representative became audibly annoyed and told me there is no such thing.

They then went as far as to state that I must not understand because Im young ( XXXX XXXX XXXX XXXX ) but that I need to pay them otherwise it will be reported to the bureaus and that if I do not pay they will sue me. They threatened that if I dont agree to pay or set up a payment plan on that particular phone call they would proceed with legal action. This is the first time I have ever heard of these medical debts.

I called back to speak to someone else and spoke with her manager who affirmed that the new law but attempted to convince me that the rep did not actually threaten to report to credit bureaus or sue. Upon asking for a copy of the phone call, they became adamant that they dont record any of their calls and refused to provide me a contact to formally request it, only directed me to their website.

Overall I felt the original representative attempted to mislead me regarding the new law, exploit what she perceived to be my lack of age/experience/understanding, and aggressively threatened to sue me over a medical debt during their first instance of informing me it exists. 
I also feel very strongly that her and her manager, their head of collections, employed manipulative practices during our conversation to dissuade me from understanding and exercising my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
_________________________________________________________________________________ This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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. The following items do not belong to me and are a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All the accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade Commission that all the consumer credit accounts and collections s are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Experian for their failure to properly investigate disputes regarding inaccuracies in my credit report. Despite my repeated submissions, Experian has not conducted a thorough investigation and has failed to provide adequate evidence to support their conclusions. This practice is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes.

Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings against other credit reporting agencies for similar violations. I request that the CFPB take immediate action to ensure that Experian complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts that I have marked as inaccurate. 

XX/XX/XXXX - Original creditor : XXXX Account # : XXXX Amount : {$3000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX- Original creditor : XXXX XXXX Account # : XXXX Amount : {$3100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Thank you for your attention to this matter. I look forward to your prompt response and action. 

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 explanation
Consumer complaint received 2025-01-28 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:
I have contacted XXXX and Experian numerous times letting them know that almost everything on my credit is fraud and to take it off also the collection items and inquires are all wrong and they wont take them off i did get a letter saying that my information was compromised on and before these data breaches and that i am the victim of identity theft. I want all this stuff removed off my report now.

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 2025-01-28 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:
Here is the list of fraudulent inquiries : XXXX - XX/XX/year> XXXXXX/XX/XXXX XXXX XX/XX/year>2024 XXXX OF XXXX - XXXX/XXXX/2024 XXXX XX/XX/XXXX - XXXX/XXXX/2024

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 2025-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
Briefly : I wanted to re-cast my loan after lump sum payment. Mortgage servicer declined request and agreed to refund lump sum, but greatly delays refund process. 
In details : Early XXXX I contacted my mortgage loan servicer PHH Mortgage regarding the loan re-cast procedure. They explained me that I have to pay lump sum first and then apply for loan re-cast. In the case request is declined, they would return money back upon my request. 
On XX/XX/XXXX I wired {$70000.00} total as a lump sum and on XX/XX/XXXX sent a request for loan re-cast. On XX/XX/XXXX PHH Mortgage confirmed the receipt of request. 
On XX/XX/XXXX PHH Mortgage declined my request due to the active buydown period. 
Same day I sent them a request to refund my {$70000.00} payment due to inability to re-cast the loan. 
On XX/XX/XXXX they confirmed the submission of payment reversal request and asked XXXX business days to process this request. 
As of today, XX/XX/year>2025 they still didn't return my payment back, continiously asking for more time under different reasons. 
Please help me to get my payment back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I requested to have the PMI removed because I believed the value of the home carried sufficient equity to have the PMI removed. I started the process on XX/XX/year>2024. I sent the fee for the evaluation, I signed the agreement and uploaded it with the servicer. It has been 5 months and every time I reach out for a status they tell me to wait another 30 days. They said the process should take 30-60 days. it's been over 150 days. They make money by charging me PMI and I am assuming they are delaying to keep charging me and make a profit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: IL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( 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 notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's 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 explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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 proce 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 48 financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
this company is harassing and utilizing the US mail to XX/XX/XXXXschemes on consumers, I have no debt with this company or any company and never had and this frivolous debt can not and never will be evidenced and I will be suing this entity and reporting to FTC for historical, ongoing and likely to continue corruptive patterns of practice that have harmed many

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: MI

Complaint narrative:
Experian Dispute Department po box XXXX XXXX, TX XXXX Subject : Credit Report Dispute Inaccurate Information Dear Experian Dispute Department, I am writing to formally dispute inaccurate information on my credit report. I recently reviewed my report and found the following errors that must be corrected in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : 1. XXXX XXXX Invalid amount owed, account no longer owed nor company never provided proof of ownership. 

2. Incorrect Inquiry XXXX XXXX Inquired on XX/XX/XXXX : this inquiry was not authorized by me and should be removed. 

XXXX Inquired on XX/XX/XXXX XXXX this inquiry was not authorized by me and should be removed. 


3. I have no knowledge of accounts : * XX/XX/XXXX * XX/XX/XXXXXXXX XXXX * XX/XX/XXXX* XXXX XX/XX/XXXX I have attached supporting documentation ( such as payment records, settlement agreements, or correspondence ) to substantiate my dispute. The FCRA mandates that Experian conduct a reasonable reinvestigation and ensure the accuracy and completeness of consumer reports. Additionally, based on the recent CFPB complaint ( Case No. 8:25-cv-24 ), Experian has been found to have systemic issues in handling disputes.

Please correct these inaccuracies immediately and provide me with a written confirmation of your findings. If you fail to comply, I may escalate my complaint to the CFPB and seek legal recourse.

Thank you for your prompt attention to this matter. 

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 2025-01-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Client Services, Inc.
State: CA

Complaint narrative:
I recieved a rude call at my work and was accused of lieing about the debt i have no idea about then was repeatedly hung up on and verbally abused for requesting information they threatened to serve papers to my place of employment to embarrass my character constant verbally cutting me off on phone and then when id speak the would say fine you will handle this in court they state debt was a loan from 2019 of which i didnt take out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: AR

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-01-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to resolve this matter with Experian numerous times please see the attached statement

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation