vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
In XX/XX/XXXX I called navy federal credit union regarding a charged off account for a credit card to set up a payment plan for {$150.00} per month until the balance was paid. However I have recieved letter from NFCU thanking me for various amounts from their collections department for XXXX, XXXX, XXXX, XXXX, XXXX etc. On XX/XX/XXXX. I checked my checking account to prepare money for rent to pay my landlord when I noticed an adjustment debit amount for {$2000.00}. I called NFCU that told me the charge was from the charge offs department. I called well in advance to them closing. After being patched through multiple departments. Around XXXX I got through to the charge off department before their closing of XXXX. The person then transfered me out of the department. They had me on hold until the department was closed. I tried for over 1.5hours to resolve the issue but to no avail. I did not authorize NFCU to take {$2000.00} from my account. The arrangement was for only $ XXXX and they refused to refund or recerthe transaction. Now my family is at the risk of being homeless as that was the only cash we had for rent. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-04 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:
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 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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account number XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U. S. C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN PERMISSION.

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 2025-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
XXXX. Called company to discuss a plan to pay off mortgage while home is being sold. Mortgage note is current, with typical payment due XX/XX/XXXX. I Requested my mortgage company contact me regarding a plan to pay off mortgage as I am unable to continue making payments. Company responded by placing me in forbearance, and refused to accept a payoff. Company insisted I make a payment on the telephone immediately for a note I am current on. 

So, in a nutshell, I have tried to pay off my mortgage company using IRA funds instead of making payments to them. I've asked for help making an arrangement to hold the funds in escrow until the property sells. They avoid a loss, and I avoid a major tax burden. 

I've never met a lender that didn't want to get paid back before. You'd think they would work with me on getting paid back. Our contract even says I have the right to pay off the note at any time without penalty. By my lender refusing these funds, they've refused repayment. 

Now what?

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 2025-01-04 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 filed a FTC report for identity theft because my personal information was exposed in a data breach of over XXXX XXXX consumers personal information. I would like and appreciate to have all accounts showing on my credit report removed immediately pursuant to 15 USC subsection 1681. Ive sent my request for immediate removal to all XXXX credit bureaus.

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 2025-01-04 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: PA

Complaint narrative:
Im at a lossI woke up this morning to find wrong accounts on my credit report, and I cant understand how this could have happened. I always check my credit report, and its usually accurate, but today there were errors that seemed to appear out of thin air. I even refreshed my browser multiple times, hoping it was just a temporary glitch, but nothing changed. I am begging you to carefully review the documents Ive sent to fix this, so I dont have to feel this constant XXXX  anymore.

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 2025-01-04 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: NM

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, NM XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX FTC Complaint Number : CFPB Complaint : XX/XX/XXXX Subject : Formal Dispute and Demand for Immediate Resolution of Fraudulent and Erroneous Credit Reporting To Whom It May Concern, I am formally disputing significant inaccuracies in my credit report and demanding immediate corrective action. My credit score has unjustly dropped nearly XXXX points due to a fraudulent XXXX XXXX account that has been reported and updated monthly. I previously submitted a notarized affidavit proving I am a victim of identity theft, yet Equifax continues to allow this fraudulent account to damage my credit profile. 

Additionally, I am disputing the balances reported for my XXXX XXXX and XXXX XXXX credit card accounts, both of which have a XXXX balance. These reporting errors are unacceptable, and I demand they be corrected immediately. 

Equifax 's continued failure to address these issues mirrors past cases where plaintiffs prevailed against the company : XXXX. XXXX v. Equifax Information Services, LLC The plaintiff won over {$180000.00} after Equifax failed to correct errors despite repeated notifications. 


XXXX. XXXX v. Equifax, LLC A {$60.00} XXXX settlement was awarded due to failure to properly handle disputed information and identity theft claims. 


XXXX. XXXX v. Equifax Information Services, LLC The plaintiff secured damages after proving Equifax negligently maintained inaccurate credit reports that led to severe financial harm. 



These cases underscore the legal consequences of failing to fulfill obligations under the Fair Credit Reporting Act ( FCRA ). Your continued negligence in resolving these inaccuracies not only harms me financially but also exposes Equifax to further liability. 

The accounts in dispute are as follows : XXXX XXXX Account : XXXX, Opened : XX/XX/XXXX, Balance : {$7800.00} XXXX XXXXXXXX XXXX XXXXXXXX, Opened : XX/XX/XXXX Balance : XXXX {$200.00} Fraudulent Inquiries : XXXX XXXX Attached, you will find : My notarized affidavit proving identity theft. 

Supporting documentation, including my FTC and CFPB complaint records, Social and ID. 


I urge Equifax to immediately : 1. Remove the fraudulent XXXX XXXX account XXXX XXXX XXXX XXXX. Correct the balances on my XXXX XXXX and XXXX XXXX credit card accounts. 


3. Update my credit report and reflect the corrected score. 


You are required to provide a written confirmation of your investigation and resolution. Failure to address this matter promptly will leave me no choice but to pursue legal remedies, including filing a complaint with relevant authorities or initiating a lawsuit for damages. 

I expect full resolution of these issues within the timeline mandated by the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
Ive filed many disputes with them telling them that the accounts are not mine but they continue to hold me accountable for them and they have derogatory remarks on my credit report my younger sister come to find out used my SS # for credit cards, rent a apartment in XXXX on XXXX XXXX XXXX XXXX and open a banking account she also lived at my parents house which was the XXXX XXXX XXXX and at 1 time lived at XXXX XXXX but was XXXX XXXXXXXX as I was XXXX XXXXXXXX before she was evicted due to drugs and non payment of rent shes used my sons, mothers and her daughters ss # as well to open fraudulent accounts also she fell sick in XXXX and passed in XXXX when I purchased my car in early in XXXX nothing was ever said to me but the finance amount was small when i went to move later that year was when everything exploded and I found out about it I dont know if she had someone else that was working with her because Im still to this day having non stop fraudulent charges constantly just recently I looked up two stores online and have fraudulent charges on my credit card for them and Ive never been there I need help they said that the cards were activated by a phone number in my name well that was easy for her she was on probation had no credit so her cell phone was under my XXXX account at the time of course she had everything that she needed to make sure that it was all accessible to her and I dont know how to fix this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I have never been late on payments much less the 60 and 90 days being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: FL

Complaint narrative:
Hi EQUIFAX, I just received a copy of my credit report today and I found those XXXX fraud inquiries that shall delete from my credit report. 

XXXX XXXXXXXX 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  XX/XX/ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Unauthorized account Wells Fargo checking account open under my name. Ive been receiving email and thought it was spam until last couple days I realized its legit email and went to brach office and talk with them and they confirmed theres account under my name even though I never open or been in Wells Fargo. Account has been open on online and theres was {$40000.00} transaction going on in my account that they try to check deposit and later on returned. The phone number is not mine and the address of my house was old adresss like 2 years ago. And these transactions happening in XXXX and I never been there in my life. Only concern is someone is using my name to do these transactions and I submit an identity report to police couple month ago where my passport was stolen. I dont know if theres any connection in between but I want these get resolved and police suggest me to report 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 non-monetary relief
Consumer complaint received 2025-01-04 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: GA

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 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 2025-01-04 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: CA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under XXXX XXXX. XXXX ( XXXX ) Method of verification- Description of reinvestigation procedure

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 2025-01-04 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: CA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-01-04 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> JPMCB CARD XXXX XXXX XXXX XXXX XXXX DE XXXX Subject : Dispute of Collection Dear JPMCB CARD I am writing to formally dispute the collection account referenced above. I recently received a notice regarding this debt, and I believe that it is either inaccurate or has been reported in error. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting verification of the debt, including the original creditors name, the amount owed, and any supporting documentation that substantiates your claim. Please provide this information within XXXX  days of receiving this letter. If a consumer notifies a debt collector that they do not wish to be contacted further, the law under 15 USC 1692 ( c ) requires that the collector must cease communication with that consumer. Heres a more detailed breakdown : Additionally, I kindly ask that you cease all collection activities until this debt has been verified. If you are unable to provide the requested documentation, please remove this collection account from my credit report. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: DC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My Chase CD was closed and the bank says they funded the Cd not me and they dont see where I transferred the money into the CD after they closed my account. Many bank associates told me they could see the money and when it was closed. They also informed me a check was mailed out only to find out later it was closed and no money was going to be sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: CT

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2025-01-04 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: AL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax, XXXX, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: CO

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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