vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have disputed my credit report with them serval times. I have XXXX credit cards for over 4 years never been late never missed a payment an auto loan for over XXXX years never been late never missed a payment and they show I have a XXXX credit score I also have a {$1500.00} line of credit with XXXX XXXX that has been used and paid off XXXX different time. This is the XXXX time in 10 years they have done this to me. It's not right or fair it's stopping me from so much I want to buy a home but experian not reporting my actual credit is making it XXXX. I am tired of going threw this with them and I am ready to sue this is not right

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 2025-02-04 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: TX

Complaint narrative:
Having unauthorized accounts on my credit report is a nightmare. These errors have been dragging my score down for so long, and the toll its taken on my opportunities is hard to measure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I have try contacting the companies and do a payment plan no answer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> EQUIFAX XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Equifax, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the inaccurate information being reported : 1. Under the FCRA, you are required to : Conduct a proper investigation into my dispute. 
Inform me of the results of your investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 
If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Dates between XX/XX/XXXX and as of today XX/XX/year> my card has suddenly been declined by bank. 
On the XXXX of XX/XX/year> I called and talked to XXXX support one final time to try to get my situation cleared but turns out I got held on hold for 20 mins then when the person unmuted himself he was Eating while talking to his friends. 
I didnt get my issue solved that day I need the prepaid card XXXX or XXXX card to get to work or pay for food at work or for my son needs. Recently I havent been able to do any of that. 
Ive talked to XXXX support multiple times Ive talked with XXXX at XXXX AND in person yet not a single person can help with my issue. 

Ive tried through the app ( XXXX ) but for my account under my alias name ( XXXX work account ) apparently doesnt have my phone number on file to verify my identity. 
Nor any other details about me But for some reason I had to create a different that doesnt associate with my XXXX account so I got sent a prepaid card to add money on like a Gift card its funny that they have all my information like my social security number and my Drivers License but cant verify my identity because I dont have my phone number on file. 

Im just tired of having issues and just want to use the card again for XXXX and XXXX for my needs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/year>, I received a hardship loan from XXXX in the amount of {$5000.00}, which was deposited into my XXXX banking account. This loan was crucial, as I was facing homelessness and had been a victim of XXXX  XXXX for a 2nd time within the last year. After paying some necessary bills, I attempted to transfer {$3700.00} into my XXXX account for moving expenses. Unfortunately, in my haste, I mistakenly transferred the funds to an external Navy Federal Credit Union savings account instead. 

Realizing my mistake a few hours later, I immediately contacted XXXX and Navy Federal Credit Union. During a conference call with representatives from both institutions, a Navy Federal representative confirmed that savings account was closed and had no balance owed. I was assured that if the transfer was not automatically rejected by the Federal Reserve, Navy Federal would return the funds to my account. 

However, on XX/XX/year>, upon following up with Navy Federal, I was informed that my funds had been dispersed among three different accounts instead of being returned. I visited a branch that same day and spoke with the assistant branch manager, who contacted internal departments. I explained that I was unaware of the outstanding credit card balance being that high, and that I had reported fraud and identity theft to the credit bureau, and that the funds were essential for securing housing. She managed to arrange for an adjustment of {$930.00}, which was far less than what was wrongfully taken. 

On XX/XX/year>, I returned to the branch and spoke with the branch manager, who escalated the issue to a collections department manager. I was then informed that Navy Federal was only willing to return {$2000.00}, with no guarantee of even that amount being provided as it was at the discretion of the collections Manager. 

Through further investigation, I discovered that, although the funds were originally sent to a savings account, since that account was closed, the funds were rerouted into an active Navy Federal checking account, that I was not even aware was still opened. Despite presenting this information to the branch manager, he insisted the funds did not go into the closed account but did acknowledge the funds were sent into a checking account for Navy Federal to distribute towards a credit card, and two other accounts they claimed had balances although no proof was provided. 

I believe that Navy Federal Credit Union acted irresponsibly and unethically by : 1. Failing to return my funds despite knowing the receiving account was closed. 
2. Dispersing my money into multiple accounts instead of refunding it. 
3. Providing inconsistent responses and withholding full transparency regarding the status of my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: MI

Complaint narrative:
Transunion is violating my consumer rights. They are fraudulently letting XXXX, management number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my Secretary of State website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on Transunion for failure to investigate as I'm a federally protected consumer. I will also be reporting both Transunion and XXXX to the IRS filling out form XXXX A information referral for unreported income since Transunion gets paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS. I will also be reporting both companies to the Attorney General and XXXX XXXX XXXX. I attached proof that XXXX isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me XXXX  because I haven't been able to sleep at night due to the financial and emotional harm these two companies have caused. I know that XXXX pays Transunion to report inaccurate information and Transunion refused XXXX give me a fair investigation for their financial gain.

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 2025-02-04 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
From XXXX, I was in contact with Nissan Motor Acceptance attempting to understand why there was a difference in what I saw on my credit report and what I though the amount should be. At that time, I was sent a letter referring me to the contract I signed with Nissan Motor Acceptance. I did make a call and spoke with a representative named XXXX. I was told late fees apply on the XXXX of each month, contract interest of XXXX % and per diem interest of {$3.00} accruing daily. In XXXX, I began receiving robocalls from Nissan Motor Acceptance threatening to pick up my car if I don't make payment. It was horrible the amount of calls I was getting every day. I had an attorney send Nissan Motor Acceptance a letter which they did not respond to and kept calling. In XX/XX/XXXX, I faxed Nissan Motor Acceptance a fax indicating Nissan was in violation of the CFPB 's Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act. I was distraught. Nissan picked up the car. I was given the amount to pay so I could recover my car. They gave me an amount {$170.00} short of what they needed. This was reported to the credit bureaus as a charge off. My credit plummeted by XXXX points when Nissan did this. They also did not release the title until I paid the {$170.00} in XXXX of XXXX. I received my title, but my credit did not increase by the amount it had plummeted. I wrote dozens of letters to Nissan and disputed my credit report with the credit reporting bureaus with no help at all. I was always referred back to Nissan Motor Acceptance. I was treated like a criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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.

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MRS BPO, LLC
State: FL

Complaint narrative:
CFPB ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX XXXX, XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX I have no signed payment agreement with this company, MRS BPO. Please stop collection efforts and remove from my credit report immediately. Show me a contract or remove report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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 2025-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
We purchased our home in XX/XX/XXXX. I received my escrow analysis for the new year and received a surplus of {$2100.00} but the payment is going up starting in XX/XX/XXXX, from {$3500.00} to now {$3800.00}. For some reason Freedom Mortgage paid {$320.00} to the county on XX/XX/XXXX. I spoke with the county and they have no record of this and in XXXX had no tax bill on the property because it was newly built, there was nothing owed. The mortgage company is projecting I will owe {$6400.00} in XXXX which is not correct from my discussion with the county. I spoke with the county and based off my assessed value of {$83000.00}. I will only owe {$83000.00} / XXXX * XXXX = {$2200.00} in county taxes. How can this be rectified? Are they allowed to pull and hold this much in escrow?

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 2025-02-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

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 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 furnished, 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 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 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 2025-02-05 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: OK

Complaint narrative:
Experian To Whom It May Concern : This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not.

I also respectfully request to be provided specific proof that these alleged late payments were in fact late.

It is my understanding that you must validate these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws.

I also request that you send the description of the specific procedure you use to determine the accuracy and completeness of the information. I know this must be provided within 15 days of the completion of your reinvestigation. 
Thank you for your time and help in this matter. 
Sincerely,

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 2025-02-05 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: OK

Complaint narrative:
Experian To Whom It May Concern : This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not.

I also respectfully request to be provided specific proof that these alleged late payments were in fact late.

It is my understanding that you must validate these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws.

I also request that you send the description of the specific procedure you use to determine the accuracy and completeness of the information. I know this must be provided within 15 days of the completion of your reinvestigation. 
Thank you for your time and help in this matter. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
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

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