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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX  brought my vehicles loan from XXXX XXXX XXXX to refinance my vehicle after doing so XXXXXXXX XXXX had started my vehicle loan from the very beginning, making me have to repay the vehicle as I had just bought it from them showing that none of my prior payments went towards anything after talking to them about this they told me this was perfectly after refusing to pay. They repossessed the vehicle and charged it off, damaging my credit report and reporting fraudulent reports

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX XXXX XXXX  as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company 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: Money was not available when promised — 
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/2025 I attempted to initiate a wire transfer online. Their site is broken and could not do so. I tried again over several days with the same result. On XX/XX/2025 I called PenFed Credit Union and initiated a wire transfer around XXXX by phone. I was told this would be resolved within hours. I called back later that day as the recipient did not receive the payment. I was told that they had failed to verify the request. I went through the verification process at XXXX. I called back at XXXX and was told it would be handled in the morning. I called at XXXX and was told that I would need to call back once the underwriting team was in office at XXXX. I called again and was told it would be submitted very shortly. I called again at XXXX and was told it is still not processed and they need to wait to have someone available to process. I have informed them multiple times that even by their own policy this should have been handled by now. I also informed them throughout this process that this will delay closing. Their answer was oh well.

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 2025-01-28 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: GA

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 lagging posting of charges and credits. This issue aligns with the recent CFPB finding against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially avaliable funds. I belive 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: 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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: TN

Complaint narrative:
I looked at my credit report and noticed you have reported ( included in the attached dispute letter ). According to 15 U.S. Code 1681 b ( 2 ) and FCRA section 605B it is illegal to report anything on my credit report without my permission. Please remove. Also keep in mind that you are required to delete this no later than 4 days after you receive this dispute from me. 
XX/XX/XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXX/XX/XXXXAccount XXXX : XXXX XX/XX/XXXX Account Number : XXXX XXXXXX/XX/XXXXAccount Number XXXX XXXX XX/XX/XXXXAccount Number : XXXXXX/XX/XXXX inquired on XXXX/XXXX/2024 XXXX OF XXXX inquired on XXXX/XXXX/2024 XX/XX/XXXX inquired on XX/XX/year>2024 and XXXX/XXXX/2024 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 2025-01-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. 
Enclosures : XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX

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: CA

Complaint narrative:
I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. 
Enclosures : XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX 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 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: TX

Complaint narrative:
I hope youre doing well. Im reaching out because I recently noticed an unfamiliar credit inquiry on my report. I want to make it clear that I never gave permission to this company to pull my credit report, and I believe this inquiry is both unauthorized and fraudulent. To be transparent, I have not had any interactions with this company, nor have I applied for any services or credit with them. Therefore, this inquiry was made without my consent, and I am requesting that it be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 3 credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX, XXXX 's on XX/XX/XXXX and XX/XX/XXXX an auto loan account opened at XXXX on XX/XX/XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at Consumer XXXXXX/XX/XXXX XXXX XX/XX/XXXX with a balance of {$2700.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company 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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: OH

Complaint narrative:
I have been struggling to navigate the XX/XX/XXXX process due to the constantly changing bureaucratic process, selling of my loans from one provider to another, and the forced forbearance through changing to the XXXX plan as directed. I applied for XXXX originally in XX/XX/XXXX and then had it recalculated in XX/XX/XXXX. This has caused my payment count to be paused at XXXX with multiple months of missed payments due to the forced forbearance. Mohela call hold times are multiple hours and for people with jobs and other responsibilities it is impossible to get ahold of anyone to understand what is happening. 

My eligible XXXX employment date begins at XX/XX/XXXX and has been certified through XX/XX/XXXX. There are 2 properly ineligible months in which I was not employed by the federal government. I have been unable to make a payment due to the forced forbearance since XX/XX/XXXX. Had I been able to make those payments as scheduled, I would be at XXXX qualifying payments and able to fulfil my XX/XX/XXXX obligation in XXXX XXXX. Instead, I am stuck trying to battle with Mohela and the federal government to get my count updated accurately and without hassle.

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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is to experian credit bureau it is unfair and predatory charging to get free credit score we are entitled too. You have to pay for a membership to get your free credit score it Ludacris and you can't talk to anyone at experian to request your credit report. Why should we write a letter requesting a credit report so you can refer people to go online and pay for a membership NO not fair under the fair credit act not only you must report accurate information but consumer is still entitled to a copy of their FREE CREDIT REPORT. I will not pay for a membership for something that is free I request a FREE copy of my credit report.

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 — Virtual currency
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
I sent {$8500.00} through Zelle to a company and they said it was never received. It was received by another person that would not return my money. I didn't owe that person {$8500.00}, I only owed {$6000.00}, however he wouldn't return the difference. XX/XX/XXXXXXXX XXXX would not help me and didn't make it clear there was no way to cancel transactions after they were sent.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- | 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a XX/XX/XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted Transunion. Please delete the following account My information was exposed during a data breach. The following accounts are fraudulent. The following inquiries are on unauthorized. XXXX {$290.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$630.00} INQUIRIES XX/XX/XXXXXXXX XXXX XXXX/XXXX/24 XX/XX/XXXX XX/XX/scrub>/24 XXXX XXXX/XXXX/24XX/XX/XXXX XXXX/XXXX/24 XX/XX/year>24 XX/XX/XXXX XX/XX/year>24 XX/XX/XXXX XXXX/XXXX/24 XX/XX/XXXX XX/XX/scrub>/24 XXXX XX/XX/XXXX XX/XX/XXXX/24 XX/XX/XXXX/24 XX/XX/XXXX/24 XX/XX/XXXX/24XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: LA

Complaint narrative:
So Ive been using Chime for years. Ive used them for my past two jobs and Ive never had to wait this long for a direct deposit to come.

At my current employer I switched to chime two weeks ago and I have yet to receive my paycheck ( I get paid weekly ). My payday is Friday and early access allows you to get your pay Wednesday. Im not complaining about not getting it early Im worried about not receiving my money at all. Ive contacted them and they keep telling me that they received the request from my employer but they cant see the amount and they dont know when the funds will come. Ive tried to talk to a supervisor and they couldnt help either. All I want is for my money to be deposited into my account. Thank you.

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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hard inquires reported on my credit report from companies I never gave my information or written signature to Coaf XX/XX/scrub>/24 & XX/XX/year>24 XXXXXX/XX/XXXX XXXX/XXXX/24 XXXX XXXX/XXXX/24

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MS

Complaint narrative:
I am the author of this complain and I have attached my forms of ID below as proof. I have checked my credit report and saw some account activity that was being reported inaccurately. I reached out to XXXX, XXXX and XXXX to dispute these items because according to my research, the CRAs are required to conduct a reasonable investigation as stated in 15 USC 1681a. The furnishers of these accounts are also required to cease reporting to the CRAs if the information is in fact, inaccurate according to 15 USC 1681s-2b. The CRAs did not conduct a reasonable investigation and this furnisher is also in violation of 15 usc 1692g.

Under 15 usc 1681s-2b I can sue for actual damages and statutory damages because I meet the elements of the claim for an FCRA lawsuit. Because of this negative report Ive I have been denied housing. I will seek legal alternatives if this account isnt removed immediately

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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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: EQUIFAX, INC.
State: TN

Complaint narrative:
I 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 24 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 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. 2025-CFPB-0002 ) 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. 

Inquiries to Be Removed 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 XXXXXX/XX/year> Accounts to Be Removed XXXX. XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ( Duplicate Accounts ) : 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