vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Reach Financial LLC
State: CA

Complaint narrative:
I was approached by my Debt Relief company, XXXX XXXX XXXX after making a year in on time payments. They told me the want to accelerate my repayment program which was XXXX years by referring me to their partners, Reach Financial for me to get a loan to increase money in my account to be in a better position to offer deals to my creditors ( credit cards ). I was told by reach financial that tgey would give the money to XXXX XXXX XXXX and my debts would be cleared in weeks, not XXXX more years and will be saving me even more money. They said my interest would be somewhere in the low teens a nd my payments monthly wouldn't change from what I was paying XXXX XXXX XXXX. The only thing that would change is that my payments would go to them for sane amount of time. I took the deal. After a few month the withdrawals started coming out of my bank account. I noticed that the payments were much higher. From around $ XXXX monthly to $ XXXX  monthly. I then took a look at look at the recurring payment schedule and amount repayment total. I was shocked to see my interest rate was 27 % and my payments went on for XXXX years instead of XXXX. What was paid to XXXX XXXX XXXX to settle my debts was around XXXX. My repayment to Reach Financial would be around XXXX. They lied and are trying to scam me and rip. Reading XXXX complaints I see they have did this to many consumers. Both these companies are predatory lenders taking advantage of consumers in desperate financial situations and need to be stopped. I have canceled with my bank all my remaining recurring payments and will no longer make payments to this company ( Reach Financial ). These XXXX companies have a scam going and I will not tolerate it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX has repeatedly requested CitiBank to Stop with these harassing phonecalls everyday of the week and at all there is no contract in place and if there is Please provide proof of a with a contract and my wet ink signature with both parties as well as a sworn affidavit of truth signed under penalty of perjury by CitiBank and associated affiliates

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 2025-02-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc.
State: WI

Complaint narrative:
Im looking to build personal credit history. I came across MoneyLion, they had nothing but false advertisements. Never stated the loan couldnt be defaulted, and, I was promise upfront cash for taking out the loan. I was approved for nothing and no option to end the loan. Customer service phone number doesnt do anything but repeat menu options. MoneyLion is a predatory company and a scam.

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 2025-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FEDChex Recovery, LLC
State: PA

Complaint narrative:
Theres a few inaccuracies on my credit report. Ive recently came across this collection thats harshly impacting my credit. I absolutely have no idea where this came from or about and I will like this erased from my credit report. This is the account I will like for you check for accuracy : Fedchex Recovery LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: RI

Complaint narrative:
On XX/XX/2025, I had received and activated an American Express gift card for {$25.00}. However, every online purchase I tried making was declined or not accepted. Any purchase I did try and make was under {$25.00}, so I am stuck with card valued at {$25.00} but I can not purchase anything with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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:
My Name is XXXX XXXX, and i am formerly disputing the inaccurate information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681C, I did not authorize the reporting or release of my personal information to companies listed below. This is a Violation of my consumer rights to privacy, as they have no legal basis to report anything under my name.

Futhermore, there are unauthorized inquiries on my credit report that i did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, i do not owe any debt to these entities, and i demand the immediate deletion of the items and inquiries in question to correct my credit report.Please address this matter promptly and confirm the removal of the disputed entries. 

I appreciate your immediate attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Over 10 years ago These two loans that i didnt not taken out nor benefit from were determined to be not mine and they have been placed on my credit report again. Every couple of years I have to go through this removal process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Over 10 years ago These two loans that i didnt not taken out nor benefit from were determined to be not mine and they have been placed on my credit report again. Every couple of years I have to go through this removal process.

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Over 10 years ago These two loans that i didnt not taken out nor benefit from were determined to be not mine and they have been placed on my credit report again. Every couple of years I have to go through this removal process.

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 2025-02-23 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: PA

Complaint narrative:
Experian inaccurate reporting information on credit report Names, Addresses, collections, hard inquiries.

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 2025-02-23 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: PA

Complaint narrative:
A XXXX XXXX  XXXX credit card was opened in my name the date of XX/XX/year>. I am a victim of Identity Theft

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 2025-02-23 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: VA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TransUnion & EQUIFAX Subject : formal dispute regarding inaccurate information on my credit report.

I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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:
TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Request for Deletion of Inaccurate Information To Whom It May Concern, I am writing to formally dispute the reporting of an account on my credit report. The following account is being inaccurately reported and must be removed under the Fair Credit Reporting Act ( FCRA ). 
Creditor Name : DEPTEDNELNET Account Number : XXXX Status : Closed ( Paid or Paying as Agreed ) Balance : {$0.00} Last Payment Date : XX/XX/XXXX Comments : Dispute resolved; customer disagrees This account contains inaccurate information and does not meet the requirements for reporting under 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy. Furthermore, under 15 U.S.C. 1681i, if an account can not be fully verified as accurate and timely, it must be removed from my report.

Additionally, the dispute comments currently associated with this account ( Dispute resolved ; customer disagrees ) indicate that this account was previously disputed. Under the CFPBs guidance on Regulation V, accounts with unresolved disputes should either be properly reinvestigated or removed if the furnisher can not verify accuracy. If this furnisher has not provided independent verification of this account, it must be deleted immediately.

I am requesting the following action : 1. Permanent deletion of this account from my credit report due to lack of proper verification and potential inaccuracies.

2. A written response confirming the results of this investigation.

Under federal law, you have 30 days to investigate and respond. Failure to comply with this request may result in legal action for willful or negligent non-compliance under 15 U.S.C. 1681n & 1681o. 

I have attached a copy of my ID and proof of address for verification purposes. Please forward all correspondence to the address listed above. 

Sincerely, [ Your Name ] [ Your Contact Information ] Next Steps : Send via certified mail to TransUnion ( or other credit bureaus if applicable ). 
Keep all records of communication. 
If they do not remove it, escalate the dispute by filing a complaint with the CFPB. 

Let me know if you need further modifications!

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 2025-02-23 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: PA

Complaint narrative:
Ive 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 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 2025-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the following inaccuracies on my credit report. These incorrect entries are severely hindering my ability to progress in life, and the stress they cause is significant. I am unable to move forward with my personal and financial goals due to these issues, and I seek immediate action to correct them. 
I assert, under penalty of perjury, that the following accounts do not belong to me and that these accounts have been opened and/or used fraudulently. As I have been unable to resolve these matters through direct contact with the involved creditors, I now request your urgent assistance. 
Disputed Addresses : The following addresses are incorrect and must be removed from my credit report immediately : XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL These addresses do not belong to me, and I have no association with any accounts or activities at these locations. These errors are affecting my credit, and I insist that they be removed to prevent further harm to my financial reputation and well-being. 
Disputed Accounts : XXXX XXXX Account Number : Amount : Date Opened : XX/XX/XXXX American First Finance Account Number : Amount : Date Opened : XX/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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX, but it is incorrectly listed as [ Incorrect Name ] on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I deposited {$4500.00} into my Navy Federal savings account to apply for a secured credit card and they gave me a credit limit of {$2500.00}. My credit limit was based on how much money I put towards the secured credit card. Navy Federal didn't put any money towards my card. After paying the full balance of {$2400.00}, they would not return my money. When I asked for my money back they said I paid my bill. Please help. I called numerous times and went inside the XXXX XXXX branch. I told them this was stealing. Refused to return my money. Again please help. I have pictures and Bank information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NATIONAL DEBT RELIEF LLC
State: NY

Complaint narrative:
XXXX  credit reporting has my credit rating at XXXX while XXXX XXXX and XXXX both have it at XXXX. XXXX has cost me being refused while looking for cheaper car insurance and in addition will effect my interest rate for years because I am looking to purchase a car. They might possibly cost me not even being considered for a loan. I have taken years to resolve my debts, yet their report shows me as a risk still with the old debts while the two agencies above mentioned that I get through XXXX XXXX keep increasing my rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: FL

Complaint narrative:
( 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 or dispute outcome.These failures align with my experience, where Experian has neither correct nor removed dispute items despite the evidence I provided causing on going harm to my credit standing I am required immediate correction action to remove or amend the disputed account as Experian inaction violates federal law and my rights as a customer this is my fifth time request regarding the fraudulent account that continues to appear on my credit report.i am deeply troubled as these accounts were previously removed,

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 2025-02-23 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: FL

Complaint narrative:
( 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 or dispute outcome.These failures align with my experience, where Experian has neither correct nor removed dispute items despite the evidence I provided causing on going harm to my credit standing I am required immediate correction action to remove or amend the disputed account as Experian inaction violates federal law and my rights as a customer this is my fifth time request regarding the fraudulent account that continues to appear on my credit report.i am deeply troubled as these accounts were previously removed,

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 2025-02-23 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: AL

Complaint narrative:
I have never signed or entered any agreement with XXXX XXXX. Please delete this inaccurate information from my Credit Report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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:
I recently received a copy of my credit report and noticed several unauthorized inquiries. As a customer I am fully aware of my rights under the Fair credit reporting act ( FCRA ) and have identified inquiries listed below. The following inquiries were conducted without my permission and do not have a permissible purpose as outlined by the FCRA : 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 2025-02-23 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: PA

Complaint narrative:
Ive 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 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