vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXXXXXX XXXX ] [ XXXX, GA, XXXX ] [ XX/XX/XXXX ] XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute an inaccuracy on my credit report as reported by your bureau. The account in question is XXXXXXXX XXXX XXXX which is reflected on my credit report with a reported balance of {$730.00}, marked as closed, and listed as charged-off. 
After reviewing my credit report, I have identified the following inaccuracies regarding this account : 1. Payment History : The report inaccurately reflects my payment history as being 120+ days late for several months, which I dispute. For example, XX/XX/XXXX is listed as current, yet subsequent months reflect inaccuracies in payment status without proper context. 
2. Account Closure : The account is listed as Account closed by credit grantor, but I did not receive formal notice of this closure nor the reason behind it. 
3. Balance Reporting : The reported balance of {$730.00} seems inconsistent with my records, which show a different amount. 
These discrepancies are significant and impact the accuracy of my credit report. I am requesting that you investigate these inaccuracies and provide the supporting documentation from the creditor to verify this information. If the inaccuracies can not be verified, I request that the account be corrected or removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 
Please confirm receipt of this dispute and provide the results of your investigation at your earliest convenience. You may contact me at [ Your Phone Number ] or [ Your Email Address ] if further information is needed. 
Thank you for your attention to this matter. 
Sincerely, [ XXXX XXXX ] [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXXXXXX XXXX  ] [ XXXX, GA, XXXX ] [ XX/XX/XXXX ] XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute an inaccuracy on my credit report as reported by your bureau. The account in question is XXXXXXXX XXXX XXXX which is reflected on my credit report with a reported balance of {$730.00}, marked as closed, and listed as charged-off. 
After reviewing my credit report, I have identified the following inaccuracies regarding this account : 1. Payment History : The report inaccurately reflects my payment history as being 120+ days late for several months, which I dispute. For example, XX/XX/XXXX is listed as current, yet subsequent months reflect inaccuracies in payment status without proper context. 
2. Account Closure : The account is listed as Account closed by credit grantor, but I did not receive formal notice of this closure nor the reason behind it.

3. Balance Reporting : The reported balance of {$730.00} seems inconsistent with my records, which show a different amount. 
These discrepancies are significant and impact the accuracy of my credit report. I am requesting that you investigate these inaccuracies and provide the supporting documentation from the creditor to verify this information. If the inaccuracies can not be verified, I request that the account be corrected or removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 
Please confirm receipt of this dispute and provide the results of your investigation at your earliest convenience. You may contact me at [ Your Phone Number ] or [ Your Email Address ] if further information is needed. 
Thank you for your attention to this matter. 
Sincerely, [ 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 2025-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: UT

Complaint narrative:
On XX/XX/XXXX the company Planet Home Lending sent this consumer mailed correspondence that the monthly mortgage payment would be increasing from {$2600.00} to {$5700.00}. 

On XX/XX/XXXX the consumer contacted the loan servicer to report an issue with the escrow analysis. This consumer provided the loan servicer with supporting documentation from the XXXX XXXX XXXXXXXX XXXX XXXXXXXX, including the correct parcel number. 

Over the course of XX/XX/XXXX, the consumer placed numerous calls to the loan servicer requesting updates. On XX/XX/XXXX, XXXX days before the nearly doubled mortgage amount is due, this consumer is unable to resolve the problem with the loan servicer 's escrow analysis, facing delinquency on his account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: AL

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 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 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I am filing this complaint regarding Robinhood restricting my account to closing only after I accessed it while traveling abroad. Robinhood requested proof of residence, which I promptly uploaded over two months ago. Despite this, my account remains restricted, and I have not received any meaningful updates.

I have attempted to contact Robinhood multiple times via email, as their platform provides no other means of support ( no phone or live chat options ). Each time, I received a generic response instructing me to upload documents again, even though I clearly stated that I already submitted the required proof of residence and that no option exists to re-upload anything on my account. 

Furthermore, each time I contacted support, my case was closed immediately after the automatic response without the ability to reply to them, or before the issue was resolved. 

This lack of resolution is preventing me from managing my investments, and Robinhoods unresponsiveness has left me with no way to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My wife and I was to purchase a vehicle from XXXX XXXX, we didn't like the deal they offered so we went elsewhere. We did purchase a vehicle from another dealership .after we left XXXX XXXX they continued to run our credit over and over.for two-to three days they did this, for no reason.

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 2025-01-27 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX Balance : {$1400.00}, XXXX  XXXX Bankruptcy Discharged XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/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 2025-01-27 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:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: NJ

Complaint narrative:
I am writing to formally file a complaint regarding an unresolved credit report issue that is severely impacting my credit score and jeopardizing my ability to purchase a home. Despite multiple attempts to resolve this directly with XXXX XXXX XXXX XXXX, the inaccurate reporting remains on my credit report, and the credit bureaus have failed to make the necessary corrections.

Here are the details of the situation : 1. I paid my XXXX XXXX credit card bill of {$1400.00} before the statement closed. However, XXXX XXXX reported me as late and over the limit to all three credit bureaus ( XXXX, XXXX, and Equifax ), resulting in a derogatory mark on my credit report and a nearly XXXX drop in my credit score. 
2. I provided proof of the timely payment, including XXXX XXXXXXXX XXXX confirmation that the payment was made on time and processed correctly. I submitted this proof to all three bureaus, yet the derogatory marks remain on my credit report. 
3. Despite my efforts to resolve this with XXXX XXXX, they continue to insist there was no issue with the payment, providing an explanation about delays related to weekends and holidays, which does not address the core error in the reporting to the bureaus.

4. I have already disputed this matter with the credit bureaus, but they have not corrected the error. I have sent proof of XXXX XXXX statement that the payment was made on time to all three bureaus, yet my credit report remains inaccurate.

I am currently pregnant with my second child and in the process of purchasing a home. This issue must be resolved immediately or I will be unable to close on the home, which is causing me significant stress and emotional hardship.

Given the urgency of this situation, I request your immediate assistance in ensuring the credit bureaus correct the inaccuracies in my credit report and update the information with accurate details from XXXX XXXX. This situation is time-sensitive, and I ask for your prompt intervention to ensure this matter is resolved without further delay.

Thank you for your attention to this critical issue. I look forward to your response and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NJ

Complaint narrative:
I am writing to formally file a complaint regarding an unresolved credit report issue that is severely impacting my credit score and jeopardizing my ability to purchase a home. Despite multiple attempts to resolve this directly with XXXX XXXX XXXX XXXX, the inaccurate reporting remains on my credit report, and the credit bureaus have failed to make the necessary corrections.

Here are the details of the situation : 1. I paid my XXXX XXXX credit card bill of {$1400.00} before the statement closed. However, XXXX XXXX reported me as late and over the limit to all three credit bureaus ( Experian, XXXX, and XXXX ), resulting in a derogatory mark on my credit report and a nearly 100-point drop in my credit score. 
2. I provided proof of the timely payment, including XXXX XXXXXXXX XXXX confirmation that the payment was made on time and processed correctly. I submitted this proof to all three bureaus, yet the derogatory marks remain on my credit report. 
3. Despite my efforts to resolve this with XXXX XXXX, they continue to insist there was no issue with the payment, providing an explanation about delays related to weekends and holidays, which does not address the core error in the reporting to the bureaus. 
4. I have already disputed this matter with the credit bureaus, but they have not corrected the error. I have sent proof of XXXX XXXX statement that the payment was made on time to all three bureaus, yet my credit report remains inaccurate. 

I am currently XXXX XXXX XXXX XXXX XXXX and in the process of purchasing a home. This issue must be resolved immediately or I will be unable to close on the home, which is causing me significant stress and emotional hardship.

Given the urgency of this situation, I request your immediate assistance in ensuring the credit bureaus correct the inaccuracies in my credit report and update the information with accurate details from XXXX XXXX. This situation is time-sensitive, and I ask for your prompt intervention to ensure this matter is resolved without further delay. 

Thank you for your attention to this critical issue. I look forward to your response and assistance.

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 2025-01-27 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: NJ

Complaint narrative:
I am writing to formally file a complaint regarding an unresolved credit report issue that is severely impacting my credit score and jeopardizing my ability to purchase a home. Despite multiple attempts to resolve this directly with XXXX XXXX XXXX XXXX, the inaccurate reporting remains on my credit report, and the credit bureaus have failed to make the necessary corrections.

Here are the details of the situation : 1. I paid my XXXX XXXX credit card bill of {$1400.00} before the statement closed. However, XXXX XXXX reported me as late and over the limit to all three credit bureaus ( XXXX, TransUnion, and XXXX ), resulting in a derogatory mark on my credit report and a nearly XXXX drop in my credit score.

2. I provided proof of the timely payment, including XXXX XXXXXXXX XXXX confirmation that the payment was made on time and processed correctly. I submitted this proof to all three bureaus, yet the derogatory marks remain on my credit report. 
3. Despite my efforts to resolve this with XXXX XXXX, they continue to insist there was no issue with the payment, providing an explanation about delays related to weekends and holidays, which does not address the core error in the reporting to the bureaus. 
4. I have already disputed this matter with the credit bureaus, but they have not corrected the error. I have sent proof of XXXX XXXX statement that the payment was made on time to all three bureaus, yet my credit report remains inaccurate. 

I am currently XXXX XXXX XXXX XXXX XXXX and in the process of purchasing a home. This issue must be resolved immediately or I will be unable to close on the home, which is causing me significant stress and emotional hardship. 

Given the urgency of this situation, I request your immediate assistance in ensuring the credit bureaus correct the inaccuracies in my credit report and update the information with accurate details from XXXX XXXX. This situation is time-sensitive, and I ask for your prompt intervention to ensure this matter is resolved without further delay. 

Thank you for your attention to this critical issue. I look forward to your response and assistance.

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 2025-01-27 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information.

I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: AL

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 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 2025-01-27 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: NC

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