vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR 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 2025-04-23 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
ACCT : XXXX AMOUNT : {$930.00} OPEN : XX/XX/XXXX ACCT : XXXX AMOUNT : {$930.00} OPEN : XX/XX/XXXX ACCT : XXXX XXXX XXXX AMOUNT : {$160.00} OPEN : XX/XX/XXXX REACHED OUT TO BOTH COMPANIES TO HAVE THESE REMOVED AS I WAS A VICITM OF IDENTITY THEFT AND I WAS ALSO XXXX  FROM 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 2025-04-23 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Received letter in mail saying my application to Best Buy credit card was declined. To make inquiry into why it was declined to call a number XXXX. I never applied for a best buy credit card in the first place. I called the number on my phone and it asked for my social security number to verify the application. I gave it and now I think the phone number is fraudulent, the application was fake and the letter I received was fraudulent

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 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Navy Federal Credit Union due to their mishandling of a recent claim I submitted. I followed all required steps, submitted supporting documentation, and attempted resolution through their internal process, but the response I received was unsatisfactory and not reflective of a thorough or fair investigation.

This situation has caused unnecessary frustration, and I am concerned about the adequacy of their dispute resolution process. I am requesting that the Consumer Financial Protection Bureau review this matter and help ensure XXXX XXXX is held accountable for how they treat consumer claims. 

Thank you for your attention. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: GA

Complaint narrative:
RE : FORMAL DISPUTE & DEMAND FOR DELETION UNVERIFIED COLLECTION XXXX XXXX XXXX XXXX XXXX {$300.00} BALANCE To Whom It May Concern, This letter is a formal dispute of the above-referenced account as it appears on my credit report. This collection account, reported by XXXX XXXX XXXX on behalf of XXXX XXXX in the amount of {$300.00}, is being furnished in violation of the Fair Credit Reporting Act ( FCRA ), the XXXX XXXX reporting format, and your own reinvestigation obligations under the XXXX XXXX. 

I previously issued a direct dispute and formal debt validation demand to XXXX XXXX XXXX. To date, they have failed to provide validation of the alleged debt, have not produced a contract bearing my signature, and have failed to confirm permissible purpose for continued furnishing. 

Be advised of the following FCRA violations : 1. 15 U.S.C. 1681i ( a ) You failed to conduct a reasonable reinvestigation after receiving my dispute. No documentation was provided to support the continued furnishing of this derogatory data.

2. 15 U.S.C. 1681s-2 ( b ) You failed to ensure the information furnished by the debt collector was accurate or verifiable.

3. 15 U.S.C. 1681s-2 ( a ) ( 3 ) The tradeline was not marked as disputed by consumer during the pendency of this dispute, despite legal requirement to do so.

4. Metro 2 and XXXX Agreement Violation The tradeline is being reported uniformly across all three bureaus without correction or notation, indicating either no reinvestigation was conducted or the furnisher provided identical false data to all three CRAs.

Under FCRA 1681i ( a ) ( 5 ) ( A ), any account that can not be verified with actual documentation must be deleted from the file. It is not enough to rely on automated dispute systems or unverifiable data furnished by a third party.

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 2025-04-22 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: GA

Complaint narrative:
RE : FORMAL DISPUTE & DEMAND FOR DELETION UNVERIFIED COLLECTION XXXX XXXX XXXX XXXX XXXX {$300.00} BALANCE To Whom It May Concern, This letter is a formal dispute of the above-referenced account as it appears on my credit report. This collection account, reported by XXXX XXXX XXXX on behalf of XXXX XXXX in the amount of {$300.00}, is being furnished in violation of the Fair Credit Reporting Act ( FCRA ), the XXXX XXXX reporting format, and your own reinvestigation obligations under the XXXX XXXX. 

I previously issued a direct dispute and formal debt validation demand to XXXX XXXX XXXX. To date, they have failed to provide validation of the alleged debt, have not produced a contract bearing my signature, and have failed to confirm permissible purpose for continued furnishing. 

Be advised of the following FCRA violations : 1. 15 U.S.C. 1681i ( a ) You failed to conduct a reasonable reinvestigation after receiving my dispute. No documentation was provided to support the continued furnishing of this derogatory data.

2. 15 U.S.C. 1681s-2 ( b ) You failed to ensure the information furnished by the debt collector was accurate or verifiable.

3. 15 U.S.C. 1681s-2 ( a ) ( 3 ) The tradeline was not marked as disputed by consumer during the pendency of this dispute, despite legal requirement to do so.

4. Metro 2 and XXXX Agreement Violation The tradeline is being reported uniformly across all three bureaus without correction or notation, indicating either no reinvestigation was conducted or the furnisher provided identical false data to all three CRAs.

Under FCRA 1681i ( a ) ( 5 ) ( A ), any account that can not be verified with actual documentation must be deleted from the file. It is not enough to rely on automated dispute systems or unverifiable data furnished by a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. Offered false claims of providing digital websites ready for e-commerce and once I canceled after the first month of realizing it was false they continue to charge me. Fraud. Despite my efforts Bank of America did not help XXXX XXXX XXXX XXXX Originally billed me as XXXX. A popular video editing app for when I canceled and disputed the claims they changed and started billing me under XXXXXXXX XXXX. Despite my efforts Bank of America did not help XXXX XXXX XXXX XXXX  originally a background removal for images tool. Completely changed their name and even though I canceled they continue to Bill me annually under a different name which is nowhere to be found online so there's no way to cancel and Bank of America is of no assistance. Bank of America 's advice is to let the charge go through and then dispute it and then I always lose the dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX  A website I used to make AI websites I canceled proactively because it's {$390.00} and was not worth the investment they have no way to cancel on their website I've emailed them and gave Bank of America a paper trail of emails showing proactively I tried to cancel Bank of America still let them win the dispute there's nothing you can do to cancel with these merchants if you reviewed their websites they should be charged for malpractice and my bank does not protect me after 20 years of being with them I am down to my last dollar I don't have food in my refrigerator I don't have money to feed my daughter and these charges keep happening and I can not dispute them I can not fight them I can not stop them I can not cancel them I have sent certified complaint letters to XXXX to Bank of America to the attorney general to everything I can think of and nothing happens

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 monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OH

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding the continued mishandling of my federal student loan account by MOHELA, my current loan servicer.

My loans were approved for discharge under the Borrower Defense to Repayment program due to XXXX XXXX XXXX documented misconduct. Despite this, MOHELA has not honored this discharge by either applying it to my account in a timely manner or providing temporary forbearance while the discharge is finalized. 

I have made multiple documented attempts to resolve this issue directly with MOHELA. Each time, I have been met with delays, inconsistent responses, or vague assurances without resolution. This lack of action has caused unnecessary stress and has placed me at risk of financial hardship due to continued billing and possible credit impact. 

I am requesting the following : Immediate confirmation and application of my loan discharge due to XXXX misconduct. 
Temporary forbearance or administrative hold on my account until the discharge is fully processed. 
A formal investigation into MOHELAs failure to provide accurate information and timely support during this process. 
I respectfully request that your office look into this matter and assist in holding MOHELA accountable to federal servicing standards and borrower protections. 

Please contact me at your earliest convenience should you require additional documentation or correspondence regarding my previous communication with MOHELA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
On XX/XX/XXXX XXXX EXETER FINANCE reported I owe XXXX But back in 2024 stated I owe XXXX then I was also told I owe XXXX I really don't know how much I owe. This account has been sold so many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request immediate deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax Data breach, which has exposed my sensitive Data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: WATERSTONE MORTGAGE CORPORATION
State: NC

Complaint narrative:
I am writing to file a serious complaint against XXXX XXXX of Waterstone Mortgage due to his manipulative and dishonest actions, which have caused me significant financial harm. XXXX XXXX has repeatedly lied about the closing date of my mortgage, providing three separate confirmed dates XX/XX/XXXX, XXXX, and XXXXXXXX XXXX none of which were met. He is now unresponsive. His deceptive tactics are consistent with past issues I have encountered. Adding to this, XXXX XXXX coerced management to persuade me to withdraw a previous complaint by promising a refinance. To compensate for the delays and my resulting financial losses, he issued two fraudulent company checks for {$10000.00} from a closed account. Furthermore, XXXX XXXX owes me {$75000.00}. I intend to pursue legal action regarding the fraudulent checks and the outstanding debt. Despite my loan being fully approved, XXXX XXXX is deliberately obstructing the closing process. I urge you to take immediate action to address this egregious misconduct and ensure the recovery of the funds owed to me. Attached, please find copies of the misleading emails XXXX XXXX sent as further evidence of his deceitful behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: GA

Complaint narrative:
The following accounts are not mine and are due to identity theft ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: GA

Complaint narrative:
The following accounts are not mine and are due to identity theft ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-23 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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:
In XX/XX/year>, Experian deleted the XXXX XXXX XXXX XXXX account from my credit report and then reinserted the account on my credit report which is illegal according to Fair Credit Reporting Act.

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 2025-04-23 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: ZWICKER & ASSOCIATES
State: MD

Complaint narrative:
RE : Fraudulent Account Reporting Request for Deletion and 1099-C Confirmation Dear XXXX XXXX Disputes Department , I am writing to dispute the inaccurate and fraudulent reporting of a closed XXXX XXXX credit card account that appears on my credit report. I did not open or authorize this account, and I am formally requesting its immediate removal. 

The account is listed as closed, with remarks indicating a profit and loss write-off, account information disputed by consumer, and account closed by credit grantor. However, it also shows no payment history, which further proves that the account is not mine and that the information being reported is factually incorrect. Regardless of any alleged usage, this account does not belong to me. 

I am a documented victim of identity theft and was affected by the XXXX data breach, which has resulted in multiple fraudulent accounts appearing on my credit report. XXXX XXXX has not provided valid documentation or verification linking me to this account. Additionally, your third-party collection agency, Zwicker & Associates , has not issued or submitted a 1099-C form to confirm any cancellation of debt nor have I received one.

In accordance with the Fair Credit Reporting Act ( FCRA ), I request the
following : 1. Immediate deletion of this fraudulent and inaccurately reported account from all credit bureaus.

2. Written confirmation of whether a 1099-C was ever issued in relation to this account.

3. Cessation of all collection or reporting activity related to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: SC

Complaint narrative:
The three major credit reporting agencies are reporting unauthorized fraudulent hard inquires, collections/charge-off accounts on my credit report. Please see dispute letter below. 

Your Address City, State, Zip Code Email Address Phone Number Date To Whom It May Concern : I am writing to dispute the following information on my credit report. The item I am disputing is inaccurate and/or incomplete, and I am requesting that it be investigated and removed or corrected as soon as possible. 

Disputed Item Information : Creditor Name : [ Creditor Name ] Account Number : [ Account Number ] Reported Issue : [ Briefly explain the inaccuracy e.g., This account was paid in full, This is not my account, or The amount is incorrect. ] According to the Fair Credit Reporting Act, I have the right to dispute any information I believe is incorrect. I am requesting that this item be investigated and either verified or removed from my credit report. 

Enclosures ( if applicable ) : [ Proof of payment, statement, correspondence, or any supporting documents ] Please complete this investigation within the required XXXX period and send me written confirmation of the outcome. If you are unable to verify the accuracy of the item, please delete it from my credit report. 

Thank you for your attention to this matter. 

Sincerely, [ Your Name ]

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