vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
XX/XX/XXXX- I was charged a late fee without proper notice on my account and without a letter being sent to the mail. 

XXXX XXXX I was charged interest and a cash advance interest when I havent used the card since XXXX of last year. Nor did I get a cash advance. 

XXXX XXXX I was charged a late fee without proper notice on my account and without a letter being sent to the mail. 

XXXX XXXX I was charged interest and a cash advance interest when I havent used the card since XXXX of last year. Nor did I get a cash advance. 

XXXX XXXX was charged a late fee without proper notice on my account and without a letter being sent to the mail. 

XXXX XXXX I was charged interest and a cash advance interest when I havent used the card since XXXX of last year. Nor did I get a cash advance. 

XX/XX/XXXX I was charged a late fee without proper notice on my account and without a letter being sent to the mail. 

XXXX XXXX I was charged interest and a cash advance interest when I havent used the card since XXXX of last year. Nor did I get a cash advance. 

XXXX XXXX I was charged a late fee without proper notice on my account and without a letter being sent to the mail. 

XXXX XXXX I was charged interest and a cash advance interest when I havent used the card since XXXX of last year. Nor did I get a cash advance. 

Note : All unauthorized late fee and interest charges to place from the year XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
This debt is passed the statute of limitations. I would start to receive flyers from attorneys about being so I looked it up and originally saw a garnishment. After paying for legal assistance back in XXXX, it was realized I was not properly served and case was dismissed. They issued a judgment but I was never notified of that either. Legal assistance pulled up the information and the amount owed listed in documents were incorrect. Now it makes sense when I would apply for something I was being denied for an outstanding debt. This is been on-going since XXXX. I am trying to resolve this as I am in the process of getting my finances and credit on track as we have started a new year. This matter is not helping. XXXX XXXX does things in a stealth like manner and you dont find out until its too late. They definitely need to be investigated when it comes to their debt collection practices. SoFi Lending which who I took the loan out from is no longer reporting the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: OH

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX 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, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
On XX/XX/XXXX I received a delinquent tax payment notice for second half taxes. I called the Assessor who told me they received only partial payment from Freedom Mortgage instead of both payments that were due. They paid the {$140.00} but failed to pay the {$760.00} that was also due. I immediately called Freedom Mortgage the same day at XXXXXXXX XXXX and spoke with XXXX who claimed they did not receive the second notice. I asked why they did not make a tax run with the Assessor and they could not provide an adequate answer. They had over XXXX XXXX XXXX  in the escrow/impound account which enabled them to pay the taxes. I asked that they immediately pay, including the penalty, which was not of my making. XXXX stated she would put in a ticket to do the research and asked that I send the backup paperwork. I send this via overnite with the USPS, they received all the back up paperwork on Tuesday, XX/XX/XXXX. Today, I received an email from Freedom Mortgage stating they had not only NOT paid the taxes but issued a refund and sent it to an incorrect address. When I asked them why ( I had two supervisors on the phone, a woman named XXXX and another named XXXX ), my mortgage statements come to the correct address but the refund goes to a wrong address they could not give me an answer. I want them to reimburse me for the penalty in the amount of {$89.00} and to immediately close the impound account. I have overnited this request to them today, XX/XX/XXXXXXXX They lost my initial payments which caused undue stress in the beginning of this loan and took weeks to resolve. They are unwilling to correctly manage my impound/escrow account and I want it closed.

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 2025-01-24 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:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
I put in for disputes on certain accounts that show inaccurate information and I would receive a message stating dispute were verified but never knew who they verified it with. And accounts still remain on my credit report with inaccurate information.

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 2025-01-24 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: FL

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 lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe 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 2025-01-24 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: SC

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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 for these violations. 

Cash App restricted my account because they requested that I switch from a business account to a personal account. I had initially signed up as a business account and had been using it that way for five years. They held my funds, denying me access until I complied and switched to a personal account. I followed their instructions and made the change, but after about two weeks, they restricted my account again and held my money once more this time asking me to switch back to a business account. Frustrated, I decided to cancel both of my Cash App account handles : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed 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 2025-01-24 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:
Equifax has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer - provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.These failures align with the experience, where Equifax has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against, Equifax alleging systemic issues such as failing to forward consumer - provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence.I provided causing ongoing harm to my credit standing.Iam requesting immediate corrective action to remove or amend the disputed accounts as Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: FactorTrust, Inc.
State: WY

Complaint narrative:
XXXX and XXXX continue to circumvent the FCRA by continuously closing my investigation requests. They continue to deny my right for a thorough investigation and ultimately a deletion of this continued unverified information. 

I still have not received the original chain of title of for this alleged debt. 
I have not received the date of first delinquency for this alleged debt. 
I have not received the last amount paid on this alleged debt. 

How is it that the cfpb keeps allowing this negligent noncompliance. Who else can i go to? I consistently submit my verification docs and XXXX continues to close my case as potential fraud. What is potentially fraud about asking for manual investigation on my credit report? They've also erased the balance on the collection to {$0.00}. I have never paid the debt. How is the balance owed changing? I believe tXXXX just simply does not want to investigate or be bothered with my profile. 

Please CFPB, hold XXXX accountable for not complying with my right to challenge my report Right to Dispute Inaccuracies ( 1681i ( a ) ( 1 ) ( A ) ), their responsibility to correct and delete items Duty of the Credit Bureau to Reinvestigate ( 1681i ( a ) ( 1 ) ( A ) ), and multiple other violations under 1681i. 

I am requesting an immediate deletion of the aldous account so i can move on with my life. Please do what is right. XXXX has already had a class action lawsuit against them for this same exact situation!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EdFinancial Services
State: GA

Complaint narrative:
I have sent Ed Financials multiple request for removal of late payments off of my credit report for XX/XX/year> and XX/XX/year>. In communicating with this company, they have stated on multiple times that these XXXX late items should have been reported to the credit bureau and the only thing I had to do was call each of the credit bureaus, dispute and they would contact XXXX Financials and these delinquency would be immediately removed due to the Coronavirus Aid Relief and Economic Security Act ( CARES Act ) which provides relief measures through XX/XX/year> and no late payments should have been reported during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: NY

Complaint narrative:
I have a fraudulent account on my credit report, which I reported it to XXXX XXXX XXXX XXXX XXXXXXXX is not removing this fraudulent account. XXXXXXXX XXXX  has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX has refused to do this. The following is the fraudulent account : XXXXXXXX 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 2025-01-24 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: AL

Complaint narrative:
I filed a dispute with both XXXX and Equifax about an account from XXXX and I have contacted them multiple times and filed disputes about this same account to let them know that is not my account, I do not own or never owned a vehicle and I never had services with this company. The account has been removed from my XXXX but not the other two and I would like for this account to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Date of Birth is incorrect on my credit report. 
My correct date of birth is XX/XX/scrub>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 2025-01-24 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: TX

Complaint narrative:
The Date of Birth is incorrect on my credit report. 
My correct date of birth is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to propery 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 ( 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: NJ

Complaint narrative:
I tried to dispute my incorrect address and names. I sent my Id and birth certificate as proof. The address was just updated and not deleted. The names were not removed at all.

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