vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: NC

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 explanation
Consumer complaint received 2025-03-31 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: TX

Complaint narrative:
This is a formal complaint and dispute against XXXX XXXX and its affiliated collection agency for the inaccurate, unlawful reporting of a closed and paid collection account. The account in question has been disputed repeatedly for over five ( 5 ) years without resolution or legal validation, in direct violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

The original bill was paid in full. Despite this, the account continues to be listed on my Equifax credit report with no supporting documentation, no proper validation of debt, and no legal basis for continued reporting. I have email correspondence from XXXX confirming the account was settled and holds no balance. 

Further, the collection only appears on Equifax, and is absent from XXXX and XXXX. This indicates inconsistent reporting from the data furnisher and violates : FCRA 607 ( b ) : Duty to maintain maximum possible accuracy FCRA 605 : Limits on reporting outdated negative information FCRA 611 : Failure to verify and correct inaccurate information FCRA 609 : Failure to provide documentation upon request FDCPA 809 : Failure to validate the debt within the required timeframe

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
XXXX. 
Asking for repeated information that I have send to this company numerous times and have lost out on property that I could of purcahse and stated that they close on mixuse properties, which was a lie because of the percentage of the property had to be more than residential area then commerical. And now on a basic traditional loan now I am getting a huge back and forth run around on a residential property now keep asking me to send over documents about employer and transcipts and more more more same thing over and over again ... ... Action that been taking by me has time and money I spent. on applications for loan {$220.00} worth money on appraisal fees {$650.00} as wells as money on other things like printers and fax, scan same documents, missing certain things because the loan officer contact me like its urgent and then when I get over to process paperwork and send over fax and emails. stop what i had to do inconvenienced my time and others and still no close date or no process over to underwriter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: TN

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$21000.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1100.00} EQUIFAX INQUIRIES : XXXX XXXX XXXXXXXX on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
my account on XXXX was in suspended for no reason Ive called about 30 times asking why my account was suspended and I wasnt given a direct answer, but Ive been trying to transfer my money out of the suspended XXXX  account to my bank account, but I keep being told that I have to wait 180 days which doesnt make sense to me whatsoever. I just want my money out of that account. I dont trust XXXX at all they completely suspended me and just stole my money. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: CO

Complaint narrative:
Please take immediate action to block and remove the unauthorized accounts from my credit report. I did not initiate these accounts, nor am I aware of their origins. Under USC 1681g, I formally request their removal within 15 days. Enclosed are relevant documents for your reference. Additionally, there are inconsistencies in account details being reported across different credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: PA

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 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/year> Fraudulent Wire Transfer of {$16000.00} XX/XX/year> Push notification sent advising of transfer XX/XX/year> Immediately Reported Wire Transfer Fraud to Wells Fargo XX/XX/year> New Account opened and fraudulent account closed XX/XX/year> Funds from account moved to new account XX/XX/year> Request to retract funds XX/XX/year> Funds released to receiving bank XXXX XXXX  XXXX XX/XX/year> Hold Harmless Agreement Signed to begin Investigation process XX/XX/year> Returning of funds Denied by both banks XX/XX/year> Police Report filed with XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/year> Case assigned to XXXX Detective XX/XX/year> Called Attorney for assistance XX/XX/year> Paralegal reviewing case XX/XX/year> Filed CFPB XX/XX/year> Funds still not returned

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 2025-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
I am writing to request your assistance with a payday loan debt that has been reported on my credit file by NCA in the amount of {$400.00}. I believe the information being reported may not be accurate, and I am currently seeking debt validation, along with the removal of this debt from my credit report.

To provide context, I am currently unemployed, which has significantly impacted my ability to repay this debt. As a result, I am requesting verification of the payday loan in question to ensure it is both valid and accurately reported. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I kindly request that the creditor or debt collector provide me with the following : Debt Validation : I request that the party reporting this debt provide a detailed account of the payday loan, including : The original lenders name, contact information, and any third-party debt collectors involved. 

A breakdown of the loans terms, including the principal, any interest, fees, or penalties. 

Proof that I am legally obligated to repay the debt, such as a signed agreement or contract. 

Documentation showing that this loan is associated with me and the accurate amount owed. 

Request for Deletion from Credit Report : If the payday loan can not be properly validated, or if it is found to be inaccurate or incomplete, I respectfully request that the debt be removed from my credit report immediately. As this debt may not be properly documented, I believe its continued presence on my report is unjust and harmful to my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-31 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: MI

Complaint narrative:
Please see the attached letters. I have reached out to all three credit bureaus in regard to validation of debts and the removal of said unknown debts. I have also requested old inquiries to be removed and also looked into as I am not familiar with the inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX has failed to properly investigate my disputes regarding inaccuracies in my credit report. XXXX consistently responds within stating the account is accurate, without providing any evidence of the investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Futhermore, XXXX may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBsrecent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure that XXXX complies with federal law and provides consumers with the necessary proof of investigation into said accounts I previously disputed the following accounts and somehow, they were verified and by doing so harmed me and this now needs to be deleted. 
Accounts : XXXX  XXXX Dates : XX/XX/XXXX, XXXX, XXXX and XXXX of XXXX Accounts : XXXX XXXXXXXX Dates : XXXX and XXXX of XXXX ( this account has been paid off in full ) Account : XXXX XXXX XXXX Dates : XX/XX/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 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I sent a dispute letter to XXXX regarding the fraudulent credit cards on my account. I sent my FTC identity theft report to XXXX highlighting each fraudulent inquiry as well as each fraudulent address. There is a fraudulent hard inquiry and closed account for a capital one credit card that isn't mine and that is attached to an address that isn't mine. The amount contains {$400.00} and the account was opened XX/XX/XXXX. There are also other fraudulent inquiries on my report including Fraudulent Hard Inquiries, Charge-Offs, Late Payments & Collections that are not mine which includes Fraudulent Hard Inquiries, Charge-Offs, Late Payments & Collections that are fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I sent the below information to PayPal support advising that I did not know this person and had no agreement with this person authorizing the XXXX transactions where she somehow pulled money from my account a {$630.00}. 

The response from PayPal is that these appear to be authorized but provided no evidence to support that and they closed the investigation. 

I repeat I do not know this person and I did not authorized these transactions. Below is my initial complaint raised with PayPal : XXXX - {$11.00} on XX/XX/XXXX XXXX - {$280.00} on XX/XX/XXXX XXXX - {$11.00} on XX/XX/XXXX XXXX - {$280.00} on XX/XX/XXXX XXXX - {$50.00} on XXXX XXXX XXXX. I do not know this person I did not share she contact information with this person. I have blocked this person and I have changed my password on my XXXX XXXXXXXX XXXX which is the only device I use and I have set up a passkey with XXXX factor authentication. I am filing a complaint with the FTC against this person regarding these funds that were fraudulently pulled from my account. 

I ask that you investigate this person and return these funds to my account immediately. Upon receipt of your response I will determine if I need to include PayPal in my complaint to the FTC. 

Your prompt attention would be appreciated, Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
Refuse to remove the requested information although affected by both Equifax data breach and Experian and provided the required documents for removal.

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 2025-03-31 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: NC

Complaint narrative:
Refuse to remove the requested information although affected by both Equifax data breach and Experian and provided the required documents for removal.

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 2025-03-31 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: NC

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have been contacting Experian, at least 10 x. I am unable to log in because they are sending authentication texts to an old land line and not my mobile phone that can receive texts. I need to change my phone number on my Experian profile, but I can not log in to do that. No one picks up there general phone line, it hangs up on me. No one returns emails.

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 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
On or around XX/XX/year>, I was approached by an individual named XXXX on XXXX when I expressed an interest in XXXX XXXX XXXX. Having previous experience in XXXX XXXX XXXX, I knew the market was fast and volatile. The group put out buy or sell alerts in a group chat on XXXX. If you followed the " alert '', the trade was quick. You were in and out in less than XXXX minutes most times. Prior to this It was suggested to open a trading account on their recommendation. Eventually, I discovered it was a false " mirror '' site that they controlled. I also, with " XXXX '' help, wired funds : XX/XX/XXXX, XXXX {$3000.00} XXXX XXXX XX/XX/XXXX, XXXX {$5000.00} XXXX, XX/XX/XXXX, XXXX {$10000.00} to CoinBase.com and XXXX. These funds were converted and ended up in my XXXX Account. Subsequently, I profited quite a bit from their trade recommendations. Eventually, I believe sometime in XXXX ( I have detailed files with dates, etc. ) I attempted to withdraw funds from my " fake '' trading account and based on what occurred, I knew it was a scam. The excuses were ridiculous, and I knew that I was a victim of fraud. 
XXXX to late XXXX, I hired a firm in the XXXX, which assists with these types of scams. They have been very instrumental in providing an extremely in-depth Tracing Report to show where my money went in the XXXX XXXX, preparing documents sent to the XXXXXXXX XXXX identifying the fraud and something about " Know Your Client Rules '', filing a Police Report, and addressing my bank that sent the wire transfers. I have files that show all the steps and documentation that has been developed and sent out to the XXXX XXXX involved, where my money passed through into accounts controlled by them, and other docs such as my Bank response, Police report, etc. I don't know what I need to send but will rely on your advice for what ever else you need. 
As an added note : on the XXXX occasions I wired funds to XXXX  once and CoinBase twice the XXXX Dollars were converted to XXXX currencies for further transfer to the Fake Trading Platform. You will see this in the attached Tracing Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 2025-03-31 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: MS

Complaint narrative:
I don't recognize these accounts and hard inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I contacted SoFi to file a dispute for fraudulent transactions that were made on my account, ALMOST immediately they denied the disputes! I then asked them to reinvestigate my dispute they said they did however I find it difficult to believe that they truly ever did so! After they denied my dispute for a second time I filed a complaint shortly after which they closed my account and chose not to offer me any kind of notice that they had done, so which led to my Social Security check being rejected which in turn has made all of bills late because I scheduled their due date around the time my check should have been deposited!!

Company response to consumer: Closed with explanation