vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: CA

Complaint narrative:
Payday loans targeted me with exorbitant interest rates of 566 %, trapping me in a cycle of debt. As a veteran, I was misled by deceptive practices and hidden fees, making it impossible to repay the loan without facing severe financial hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: OH

Complaint narrative:
Dear Equifax I am filing this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that you block fraudulent information appearing on my consumer credit report within 4 business days of receiving this letter. The inaccurate and false information on my report consists of the following fraudulent accounts and inquiries that were not opened, made, or initiated by me : Fraudulent Accounts : XXXX XXXX XXXX : An auto loan account opened in 2021 under account number ( private ). Department of EducationXXXX : A student loan account opened in 2021. Fraudulent Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a list of these fraudulent hard inquiries, as well as a copy of my consumer FICO credit report maintained by your agency, which highlights the fraudulent accounts and inquiries. These unauthorized accounts and inquiries have negatively impacted my credit and are the result of identity theft and fraud. Additionally, I have attached a copy of my FTC Identity Theft Criminal Complaint, case number ( XXXX ), as supporting documentation. Please process this request promptly and block all fraudulent accounts and inquiries listed above from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit 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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved.

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 Experian 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, as Experian 's inaction violates federal law and my rights as a 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 non-monetary relief
Consumer complaint received 2025-02-08 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: IL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved.

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 Experian 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, as Experian 's inaction violates federal law and my rights as a 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 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On Monday XX/XX/XXXX at approximately XXXX I requested a cashiers check in the amount of {$10000.00} from the Bank of America branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The check was intended to be sent another financial institution to a contact named XXXX XXXX, who is the Vice President, Branch Manager of XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX. This financial institution insisted I send a physical check to open a new checking account with them and did not allow Wire/ACH deposits to be sent to them when opening new accounts due to there own security measures recently set in place. 

This had led me to sending a standard stamped envelope addressed to XXXX XXXX in a mail collection box located at my girlfriend 's XXXX XXXX apartment building located at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The mailing was dropped in the collection box about 45 mins after I had obtained it from the branch with no issue. 

Eventually I proceeded to follow up with XXXXXXXX XXXX as I did not hear back from them confirming they received the check, in which they had confirmed it was never retrieved on there end. I then called BoFa on XX/XX/XXXX who had informed that the check was cashed by an unintended party on Tuesday, XX/XX/XXXX. 

Since this date, I've been going back and forth to have my funds refunded to no avail. They have denied my claim multple times for frivilous reasons due to not have parts of there applicaiton completed. Examples that include not having a wet signature that they could've easily called me about to correct. This has now dragged out for over 3 months and now have no choice but to send a complaint here.

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 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am a member of Navy Federal Credit Union and am experiencing an issue with excessive fees on my account. I recently submitted a request to dispute multiple fees that caused my account to go into the negative. After my request, Navy Federal announced a policy change that addresses the very issue I raised. However, they have refused to apply this new policy retroactively or provide me with any reimbursement for the fees that have already been charged. 

Despite reaching out multiple times, Navy Federal has stated that I can not be reimbursed, even though my account is directly impacted by the problem they are now acknowledging with their policy change. This has left me in a financial hardship, and the fees continue to accumulate, making it even more difficult to recover my account. 

Additionally, I have an outstanding credit card balance with Navy Federal that I am unable to pay due to these excessive fees. Every time I receive a paycheck, my funds are automatically withdrawn to cover an extremely high credit card bill, leaving me with no money for basic necessities. This has created a cycle where I can not bring my account back into good standing or catch up on my financial obligations until I receive more income. 

I am requesting that Navy Federal apply their updated policy to my situation and provide a goodwill adjustment or reimbursement of these fees. I believe this is a fair and reasonable request, given that they have recognized the issue and made a policy change because of it. 

I would appreciate the CFPBs assistance in ensuring that Navy Federal fairly resolves this issue and helps me regain control of my finances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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:
EQUIFAX has an account on my credit file that shouldn't be listed and that was previously removed. 

XXXX XXXX XXXX XXXX This account was previously removed from my credit report years ago for identity theft/not belonging to me. The original creditor originally listed was a different company. XXXX XXXX XXXX re-aged this account and relisted this on my credit report. XXXX XXXX XXXX now list themselves as the original creditor. Which is illegal and violates the FCRA. 
Also they are listing this account as a collection with no delinquent date. Another violation of the FCRA. This is a blatant and intentional act to circumvent the laws of the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FIRST NATIONAL BANK OF OMAHA
State: IN

Complaint narrative:
To Whom It May Concern at FNB Omaha, CFPB Case # XXXX Subject : Dispute Regarding Inaccurate Credit Reporting ( Account # XXXX ) I am writing to formally address the continued inaccurate reporting of the above-referenced account on my consumer report. On XX/XX/XXXX, I received feedback from your company regarding a previous dispute. At that time, we came to the agreement that FNB Omaha would cease all reporting of this account to any credit reporting agencies. subsequently, the account was removed from XXXX on XX/XX/XXXX, but was inexplicably reinserted on XX/XX/XXXX. 

As of XX/XX/XXXX, this account has been reported with a charged-off status and a balance of {$8000.00}. this reporting directly contradicts our prior agreement. I am requesting immediate removal of this account from all credit agencies who you are still reporting this debt to including XXXX. 

Furthermore, I am invoking my rights under 15 USC SUB-SECTION 1681i, which mandates a thorough REINVESTIGATION in cases of disputed accuracy. This investigation should include an examination of the agreement reached with your company to cease reporting, which I have attached to your reference. 

While I understand the balance of {$8000.00} is being pursued despite the CHARGED-OFF status, I am open to discussing and formalizing a written agreement contingent on the successful permanent removal of the account from all reporting agencies. 

For additional context, please refer to CFPB Case # XXXX, which outlines the ongoing concerns regarding this matter. 

I appreciate your prompt attention to this issue and look forward to resolving it in a fair and amicable manner. 

Sincerely, 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 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XX/XX/year> Dear MIDLAND CREDIT MANAGEMENT, This letter is in reference to XXXX XXXX account ending in XXXX I am giving the permission to offset the balance owed in the amount of {$830.00} of the debt balance from my IRS department of treasury tax refund you can offset the balance owed so that the debt will be paid in full and so that this account will be removed off of my credit report as soon as possible thank you and have a great day. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I continue to receive receipts of purchases I did not make but seem to link to my email or account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I got a XXXX XXXXXXXX XXXX credit card from JPMorganChase with only my first initial of my name. XXXX emailed me and told me I already had an account, but not with only my first initial, but with my first name. All my credit card accounts including my account with Chase are in my first name. I applied for the ChaseXXXX credit card in my first name.I called Chase to fix the problem and they said they would issue a new card with my first name on the card. All I had to do was docusign an email they would send me.I got the email, but I could not sign it. XXXX had an old address and phone number. So I called Chase and they said they would mail me the necessary documents.I filled out the documents and mailed them. I have never received the card after many weeks, I cacelled the card.. Chase has hurt my credit score by a hard inquiry, and an open and closed credit card, which hiuts the average years I have credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: GA

Complaint narrative:
I need proof that XXXX is the rightful owner to collect on this account. I've asked for XXXX, chain assignments etc that proves thier are the holder in due course

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 2025-02-08 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:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: DISCOVER BANK
State: NV

Complaint narrative:
Hello I am disputing the decision from Discover from the case XXXX Submitted XX/XX/XXXX. I am attaching all the declines made by Discover to XXXX in the day of request of XX/XX/year>. It was declined various times see attached 5 times from Discover and I even spoke to a rep on the XXXX for 18 minutes regarding this issue see attached screenshot of conversation that day XX/XX/year> at XXXX. The technician even said he did not know why Discover bank does not do Money orders with XXXX, this recording can be retrieve as part of the investigation. He said this was an issue with Discover and XXXX. I want my money back that I never got. I have attached the text on my phone from Discover declining all the time all transaction and the phone calls placed to Discover the day of incident and the remaining other month disputing. Nothing was ever approved nor given

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the following accounts reported on my credit file. Upon reviewing my credit report, I identified multiple discrepancies that raise significant concerns regarding the legitimacy of these accounts and the manner in which my personal information was used.

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 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
invalidated false information to the XXXX major crediter bureaus ..violation of the fair Debt collection practices act..I ask for the full Agreement with the creditor that authorizes you to collect on this alleged debt..The agreement bearing my signature stating that i have agreed to assume the debt..Valid copies of the agreement stating the amount of the debt and interest charges..Complete payment history all XXXX account along with an accounting of all additional charges being assessed,,, XXXX that you are licensed to collect in my state and.ypur license numbers and registered Agent..I need help dont now what to do..my score was XXXX ..until i was working with this credit clerk out of XXXX XXXX XXXX XXXX XXXX XXXX # XXXX middletown DE XXXX... XXXX wanted me to pay them XXXX $ an i told them i did not have the fund they XXXX me hundreds of time..when i did not pay took my score to XXXX ... and thay dont stop calling me... need help please ..there more to talk about ... Than you for ur time fell... feel free to call me ; ; XXXX...

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: CT

Complaint narrative:
To whom it may concern, XX/XX/year> I viewed my credit and notice that multiple accounts were fraudulently opened under my name, I wrote in to the credit agencies Experian, Equifax and transunion and explained but I don't believe performed an thorough investigation. I requested for an investigation and validation. I have yet to receive corrections and removal of the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: CT

Complaint narrative:
To whom it may concern, XX/XX/year> I viewed my credit and notice that multiple accounts were fraudulently opened under my name, I wrote in to the credit agencies Experian, Equifax and transunion and explained but I don't believe performed an thorough investigation. I requested for an investigation and validation. I have yet to receive corrections and removal of the accounts.

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 2025-02-08 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 RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNT ON MY REPORT .PLEASE REMOVE THESE ACCOUNT FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN XXXX XXXX # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: FL

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNT FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT. 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 2025-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I made the XXXX XXXX  payment on time, but due to the bank post my fund transfer later, the Mortgage company received a refuse payment. The Mortgage company XXXX Carrington Mortgage ) didn't inform me on email with this problem, late I found it by myself and called in and made the payment with XXXX. The company charged me {$30.00} for return fee and {$45.00} for late fee. I contacted the bank, they don't charge the refund fee. They also refused to refund the {$45.00} late fee. 
The mortgage didn't inform me the refused charge with email or phone call, the problem was due to the bank handled the fund transfer later. No my problem!

Company response to consumer: Closed with explanation