vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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:
after going over my credit report, I have discovered that I am victim of Identity theft due to fraudulent addresses, accounts, and inquiries that are reported to my Credit file. Pursuant to 15 US code 1681c-2 of the fair credit reporting act I am requesting immediate removal and for this account as well as the address to be blocked from my credit file immediately. under this law, the credit reporting agency is required to remove and block fraudulent information within four days upon receiving the proper documentation. 
Those accounts are : XXXX XXXX XXXX Account Number : XXXX Addresses : XXXX XXXX  XXXX XXXX. 
XXXX, Tx XXXX Attached are : Drivers License Identity Theft Report A Letter Requesting Blockage

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-19 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:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve this issue.

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 2025-02-19 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: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL, XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX and co : Account number XXXX Dear XXXX XXXX XXXX  : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: MS

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 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 2025-02-19 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-19 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

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 tak timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces 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 for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: TN

Complaint narrative:
* * 15 USC 1681e ( b ) : Failure to maintain the accuracy of my credit report.

* 15 USC 1681s-2 : Negligence in ensuring the furnishers of information comply with their obligations.

* 15 USC 1681i ( 5 ) : Failure to properly reinvestigate disputes and remove inaccurate information.

* 15 USC 1681c ( c ) : Inclusion of obsolete information in my credit report. 

I have sent multiple dispute letters to Experian, but they have either failed to conduct proper investigations or reinvestigations, or outright ignored the evidence I provided.

To make matters worse, I have learned abour 'e recent CFPB lawsuit against Experian ( " CFPB Sues Experian for Sham Investigations of Creait Report Errors '' ), which highlights neglected efforts in your company affairs.

have sent multiple dispute letters to Experian, but they have either failed to conduct proper investigations or reinvestigations, or outright ignored the evidence I provided. 

I want these accounts 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 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 2025-02-19 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: TN

Complaint narrative:
* * 15 USC 1681e ( b ) : Failure to maintain the accuracy of my credit report.

* 15 USC 1681s-2 : Negligence in ensuring the furnishers of information comply with their obligations.

* 15 USC 1681i ( 5 ) : Failure to properly reinvestigate disputes and remove inaccurate information.

* 15 USC 1681c ( c ) : Inclusion of obsolete information in my credit report. 

I have sent multiple dispute letters to Experian, but they have either failed to conduct proper investigations or reinvestigations, or outright ignored the evidence I provided.

To make matters worse, I have learned abour 'e recent CFPB lawsuit against Experian ( " CFPB Sues Experian for Sham Investigations of Creait Report Errors '' ), which highlights neglected efforts in your company affairs.

have sent multiple dispute letters to Experian, but they have either failed to conduct proper investigations or reinvestigations, or outright ignored the evidence I provided. 

I want these accounts 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: IL

Complaint narrative:
I request the immediate removal and blocking of unauthorized accounts from my credit report. These accounts were not initiated or approved by me, and I have no information regarding their source. As per USC 1681g, I formally ask for their removal within 15 days. Please find the enclosed documents for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Dear CFPB I am writing to formally request assistance resolving an issue with Truist Bank regarding a promotional offer that has not been honored. 

On XX/XX/year>, I opened a checking account with Truist Bank under a promotion offering a {$400.00} bonus for new customers. Upon completing my account setup, I received an email confirmation stating that my opening deposit was successful and that my promotional code ( XXXX ) had been applied. I subsequently met all the qualifying deposit requirements ; however, I have yet to receive the promised bonus despite the timeframe for disbursement having passed.

Approximately two weeks ago, I contacted Truist Bank regarding this matter. The first representative I spoke with claimed that the promotional code was not attached to my account, which is why I was not eligible for the bonus. I informed the representative that I have email confirmations from Truist Bank explicitly stating otherwise. Despite this, the representative refused to honor the promotion.

I then requested to speak with a manager and was transferred to XXXX, who identified herself as a supervisor. I explained the situation to her, and she assured me that she would investigate and follow up with me. However, I have not received any further communication from Truist Bank. 

I believe this situation constitutes a " bait and switch '' tactic, as I was enticed to open an account under the promise of a promotional offer that the bank has since failed to provide. I would greatly appreciate any assistance in resolving this issue and ensuring that Truist Bank honors its commitment. 

Thank you for your time and attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-19 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: IL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: WA

Complaint narrative:
On XX/XX/scrub>/2025 XXXX XXXX  from XXXX XXXX, Oregon ran my credit without letting me know they were running it until I received alerts on my email. We had an appointment at XXXX and thats when I thought they would run my credit after I test drive the vehicle which we werent able too, yet they already had ran my credit without my knowledge. Then later that day he called me saying my credit was frozen and I let him know no its not frozen since you already ran my credit trying to gaslight me. I talked to my XXXX XXXX XXXX XXXX on XX/XX/scrub>/2025 and was told the XXXX  was being too pushy and saying I had agreed to everything which is not true!

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 2025-02-19 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: EQUIFAX, INC.
State: WA

Complaint narrative:
On XX/XX/scrub>/2025 XXXX XXXX  from XXXX XXXX, Oregon ran my credit without letting me know they were running it until I received alerts on my email. We had an appointment at XXXX and thats when I thought they would run my credit after I test drive the vehicle which we werent able too, yet they already had ran my credit without my knowledge. Then later that day he called me saying my credit was frozen and I let him know no its not frozen since you already ran my credit trying to gaslight me. I talked to my XXXX XXXX XXXX XXXX on XX/XX/scrub>/2025 and was told the XXXX  was being too pushy and saying I had agreed to everything which is not true!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: SC

Complaint narrative:
I just recently received and reviewed my credit report and I found several inaccuracies. This is my statement that the listed accounts, inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not related to any transactions made by me the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: 21ST MORTGAGE CORP.
State: MT

Complaint narrative:
In the beginning of XX/XX/year>, I applied for a mortgage with 21st Mortgage Corporation. Unfortunately I was denied, and tried again but to no avail. I tried yet again and was told for {$90000.00} I would need {$6000.00} down. XXXX XXXX is the one that told me this as well as left a voicemail. I told her that I had {$5000.00} available and if possible could she send the approval for the {$82000.00}, which she did. Once the email was received to not only to myself but my real-estate agent, we proceeded with the buying process and now are under contract. The email was received on XX/XX/year> at XXXX. With the approval email received and being under contract, we were lead to believe that everything was falling in place. However, on XX/XX/year> at XXXX, an email was received stating that the loan was denied. 21st Mortgage is yarding us around and it is not fair to us nor the sellers. They ( 21st Mortgage ) is saying that I am seasonal employee for my main job and I am not listed as such, I even went and spoke to the lady at the office that handles paperwork and was told that 21st Mortgage hadnt even reached out to them. With the main job being a XXXX XXXX, during the XXXX  season we have XXXX  XXXX. This year is not like it has been in the past and the owner let us file for unemployment. Being the one I am, I went and found a 2nd job to accommodate so I wouldn't be on unemployment for very long. The 2nd job pays substantially more and I told XXXX XXXX that while talking to her on the phone. We are getting the run around from 21st Mortgage and unfortunately, I am almost out of time as I am part of a mass eviction because the property owner is going a different route with the property I am residing on. I have til the end of XXXX of XXXX  to be out. With this flip flopping like it has, I'm faced with being homeless if this isn't resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Aqua Finance, Inc.
State: NH

Complaint narrative:
I make biweekly payments on my recreational vehicle loan to Aqua Finance. The monthly loan payment is {$250.00} and I make bi weekly payments of {$140.00} and already paid ahead through XX/XX/year>. I haven't really understood the statements they've sent regarding the payments until the last couple where the overpayments are being applied as INTEREST and not being applied to the PRINCIPAL. This does not seem to be a good business practice and seems to be a little unethical. I noticed on my most recent statement that I am paid in advance and paid {$280.00} in the latest cycle and by balance was only reduced by {$41.00} and if I'm paying in advance then I should be paying less interested biweekly and reducing the principal quickly as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: NC

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: NC

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, i was unfairly charged overdraft fees. This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settle with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to address a serious issue with my credit report. It has come to my attention that an account listed on my file was opened using unauthorized and fraudulent use of my identity. I want to make it very clear that I did not authorize this account, nor do I have any association with it in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc.
State: NV

Complaint narrative:
On Monday XX/XX/XXXX, I was out shopping for homes to support my family. We came across a home we all loved. We had XXXX, a mortgage company run my credit and come to find out my credit had dropped over XXXX points. Which was mind blowing at first and unfortunately made us not qualify for a lower rate on the home. And the reason for the sudden drop in credit came from unexpected student loans. Come to find out my student loans have gone 90 days past due and I never knew I had to pay them. Not a single phone call, email or mail to my home. I called nelnet student loans the next day and talked to 2 people and both people said I do not qualify for grant you a courtesy one-time late payment removal for my most recent lates. Even though I was never notified. I then proceeded to pay off the XXXX XXXX they said I had owed. In additionally, my father and I already pay for my student loans each month so that's the only loan I thought we had to pay for not knowing there was more loans under my name. I just find is very frustrating that they can't give me a first time waiver for missing a payment I was never told about.

Company response to consumer: Closed with explanation