vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MD

Complaint narrative:
I called Mohela Tuesday morning to get an in-school deferment for school loans as Im reentering school this summer. I had asked the representative if I could be emailed a summary of our interaction or some sort of proof that the call took place as they said that it could take 10 business days for the deferment to reflect on my account, however they stated that they wouldnt be able to provide that on their end. I said it was fine and just waited for the request form to be sent to me. They ended up emailing the form a day later, following the credit bureau reporting a XXXX point drop in my credit scores due to my past loans not being reported correctly and on time by Mohela. Now Ive been on hold for nearly an hour and a half while Mohela tries to get me in touch with a representative to fix this big mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The addresses currently listed on my credit report are inaccurate. I have provided the necessary documents to support my request, and I am requesting their immediate removal from my report. Please ensure that these outdated addresses are deleted as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XXXX XXXX I initiated to myself a XXXX payment of XXXX dollars from my navy federal acct to XXXX  XXXX to pay my over due rent. I did this because there isnt a navy federal near me. I often do this with no issues! I got a email that it would be sent XX/XX/XXXX and if I cancelled it would also be returned XX/XX/XXXX. So I cancelled it and showed my leasing office the screenshots saying It would be In my account on Monday and also was ensured this by a rep. I got a email saying XXXX business day and the navy federal reps are passing the buck on XXXX. I spoke to XXXX on the phone XXXX of the supervisors and told him to listen to the phone convos I was told this info from your reps. He had no empathy! This issue can lead to my landlord filing eviction! No one cared! One of the reps even told me to ask for a provisional credit, that wasnt even an option for him! This is my money to pay my rent and its just like a welp! Its causing me XXXX and I just need my money in my account by XX/XX/year>

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> EQUIFAX credit reporting Agency Re : Request for Removal of Closed Account from Credit Report. 
Dear Sir/Madam, I am writing to formally dispute the continued reporting of a closed account on my credit report. The accounts in question are with : XXXX XXXX XXXX XXXX and the account number is XXXX XXXX account is XXXX. 
XXXX accounts with XXXX & XXXX different amounts. 
XXXX XXXX XXXX XXXX XXXX XXXX This account is XXXX. 
XXXX XXXX XXXX XXXX XXXX account is XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX this account is XXXX. 
XXXX XXXX account ; xxxxxxxxxxxx XXXX Account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX this account is XXXX Upon reviewing my credit report, I noticed that this closed account is still being reported as active or is incorrectly impacting my credit score. I am requesting the immediate removal of this closed account from my credit report based on the following points : Account Status : The accounts have been closed and should not be impacting my credit score or reported as an active account. Under FCRA Section 605, accounts that have been closed and no longer affect a consumer 's creditworthiness should be removed or updated accurately. 
1. FCRA Requirements : Under FCRA Section 609, credit reporting agencies are required to maintain accurate and up-to-date information on consumer credit reports. If an account is closed and there are no ongoing balances or issues, it should be reported as such or removed if it no longer reflects current information about the consumers credit history.

2. Time Limits for Negative Information : If the account was closed due to a negative event ( such as default or late payments ), under FCRA Section 605, this information must be removed after seven years from the date of the last payment or default. If the accounts does not meet these criteria, it should no longer be reported 3. As such, I respectfully request that you conduct a thorough review of my credit report and remove those closed account from my file if it no longer reflects my accurate and current credit standing.

4. If you find that the information is inaccurate or unverifiable, I further request that you delete this account in accordance with the Fair Credit Reporting Act. Please send me a copy of the results of your investigation and an updated credit report once the closed account has been removed.

I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: Hatfield, Inc.
State: IN

Complaint narrative:
I emailed them to revoke ach authorization which is allowed in there terms of service they told me they did and that i wouldnt get charged until i connect my bank again but they charged me anyway

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: AZ

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Byrider Franchising, LLC
State: NC

Complaint narrative:
I am filing this complaint against XXXX  for repeated violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. Despite submitting two detailed reinvestigation requests - dated XXXX XXXX, and Account previously in dispute - investigation complete, reported by data furnisher XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX - to XXXX, the credit bureau has failed to ensure the maximum possible accuracy of my credit report as required by 15 USC, 1681e ( b ), failed to properly reinvestigate and modify disputed information under 151681i ( 5 ), and failed to enforce accurate reporting by data furnishers under 15 USC 1681s-2. These violations have resulted in persistent inaccuracies in my credit file, including incorrect account details, outdated personal information, and unauthorized inquires. I request the immediate removal of all disputed items from my credit report due to XXXX  non-compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-05-09 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: FL

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! 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-09 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: FL

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! 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 process 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 financial loss, and I seek appropriate redress

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: PNC Bank N.A.
State: KS

Complaint narrative:
Pnc is holding my check for 5 days after I went through the trouble to deposit a check. my account is now on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, I received notice from chase bank for a low available balance. I checked my balance to see two fraudulent withdrawals, one for {$500.00} and another for {$2000.00}. Upon discovery of the fraudulent transactions, I promptly called my bank to inform them that the money had been stolen. I filed a report with the bank and no provisional funds were credited to the account for more than 10 business days. Upon calling the bank they notified me of a denial and would not be returning the funds. Their reasoning was that a PIN number was used. They have yet to send a full investigation report, and we plan to request a second level review. The transactions were indeed fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
My property tax rate was reduced for a primary ownership program in XXXX. The tax amount reduced from {$6400.00} down to {$2200.00}. 

Payment was sent from my escrow in XXXX of XXXX at the higher rate. The mortgage company was sent a refund from the tax assessor 's office in XXXX. It was not credited to my account until late XXXX. 

An escrow analysis was performed on XX/XX/XXXX and did not include this refund although the statement dates reflect through XX/XX/XXXX. 

On XX/XX/XXXX, I requested an escrow analysis to refund to me the overpayment of roughly {$4000.00} and adjustment of my mortgage amount which will be about {$350.00} per month. This is a lot of money. I included a copy of the adjusted tax bill. 

The company responded and told me they would research and get back to me by XX/XX/XXXX. I have not received a response, an update nor any refunds or adjustments. I called the company on XX/XX/XXXX and was transferred 3 times before someone told me they had to request the escrow analysis and it would take 8 days. I already requested the escrow analysis on XX/XX/XXXX. There was no information as to why it was not already completed. Also, a customer service representative informed me that when a tax or insurance bill changes by more than {$500.00} that an escrow analysis should automatically trigger. 

I am concerned that Freedom Mortgage is systemically delaying these activities to allow them to keep money owed to consumers. 

How my situation was handled was outrageous. Their customer service agents are not well trained and I was on the phone for over an hour for a simple inquiry on information they have been in receipt of for 6 weeks.

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 2025-05-09 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: FL

Complaint narrative:
Im reaching out regarding a tradeline on my credit report that is not being reported with maximum possible accuracy, as required under the Fair Credit Reporting Act. This is a clear violation of federal law.

Company response to consumer: Closed with non-monetary relief