vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 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: NY

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/year> I charged {$5000.00} on my Navy Federal Credit Union credit card. It was to a law firm called XXXX XXXX for legal services. After almost XXXX months without any action, I was informed that they couldn't provide me assistance to my case. I then asked for a full refund of the money I had paid. I received an email and a text stating that my refund was processed via check and that I should be receiving it shortly. Well I'm still waiting for it to arrive. I have tried to contact them but to no avail. I believe that I was scammed. I contacted NFCU and relayed this information but was told that they were not going to reverse the charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Immediate Dispute of Accounts Data Breach Impact I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 

The details of the fraudulent account are as follows : 1. Accounts details : Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX 2. Accounts details : Account Name : XXXX Account Number : XXXX 3. Accounts details : Account Name : XXXX Account Number : XXXX 4. Accounts details : Account Name : XXXX XXXX Account Number : XXXX 5. Accounts details : Account Name : XXXX Account Number : XXXX 6. Accounts details : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00} 7. Accounts details : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance Owed : {$600.00} 8. Accounts details : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2800.00} 9. Accounts details : Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance Owed : {$16000.00} XXXX. Accounts details : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3900.00} Personal Information : - Name : XXXX XXXX - Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX - Social Security Number : XXXX - Date of Birth : XX/XX/XXXX In accordance with 15 U.S.C. 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under 15 U.S.C. 1692k. This action will include claims for the following violations : : - Defamation of Character - Negligent Enhancement of Identity Fraud - Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) - Failure to comply with 15 U.S. Code 1692 ( g ) - Violation of 15 U.S.C. Code 1681i ( 7 ) ( Method of Verification ) This matter is extremely time-sensitive, and I appreciate your immediate attention to this dispute. 
Please confirm the removal of this fraudulent account promptly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: IN

Complaint narrative:
I do not recognize these inquiries on my credit report I have asked for them to be removed and the bureaus did not do as I have asked I will provide a identity theft report that will be attached to this and I am requesting them to be removed because they are inaccurate and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America is withholding money from my 401k check and my last check from my job. After a year of back and forth I finally got somewhere but now Bank of America is telling me they cant refund the checks until they are recalled or reported lost or stolen. Now the other institutions are telling me they cant recall the funds unless the checks are reissued by Bank of America. All Bank of America has to do is reject the money they took from me and they refuse to do it. They told me to try to break the law by requiring XXXX and my pay roll company to recall money that was already claimed which is ILLEGAL. So the pay roll company and XXXX cant help me because Bank of America refused to send them back my 401k and my last pay check. Why would I be told the money is at Bank of America and they cant just give it to me, that they have to have the other companies recall checks that were already claimed by Bank of America??? Im going to write a complaint every day until this is resolved. Person I talked to on here totally lied about what I could do about the money thats being withheld but I have absolutely no idea why I cant just be given my money. Thanks

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 2025-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Disputed a transaction end of XXXX and was told to not submit any proof. They closed my dispute without even asking for my side as I have proof that the order never arrived?? The proof the company sent back was just my order number and me completing the order but thats not the problem my order never arrived and i literally have a photo from the delivery with no proof is was delivered to the right location. So rude and disgraceful. I will be switching companies soon

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 2025-04-03 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: MI

Complaint narrative:
I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX Account XXXX Open date : XX/XX/XXXX, XXXX XXXX XXXX XXXX  ACCOUNT XXXX Open date : XX/XX/XXXX. XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX TX XXXX, ( XXXX ) XXXX ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX 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 explanation
Consumer complaint received 2025-04-04 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SS # : XXXX I am writing to formally dispute inaccurate information on my credit report that is seriously affecting my financial WELL-BEING ... I am aware of my rights under the Fair Credit Reporting Act and I request a thorough investigation concerning these unverified inaccuracies, this is required by FEDERAL LAW!!!! 


XXXX XXXXXXXX

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 2025-04-04 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SS # : XXXX I am writing to formally dispute inaccurate information on my credit report that is seriously affecting my financial WELL-BEING ... I am aware of my rights under the Fair Credit Reporting Act and I request a thorough investigation concerning these unverified inaccuracies, this is required by FEDERAL LAW!!!! 


XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: AZ

Complaint narrative:
Dear Sir/Madam, This letter serves as a formal complaint regarding duplicate accounts reported by TransUnion. My credit report reflects **three identical XXXX XXXX accounts**, all showing the same information, as highlighted in the attached documents. 

Details of the accounts : - **Payment Status : ** Paid or paying as agreed - **Worst Delinquency : ** None reported - **Balance : ** {$0.00} - **Last Updated : ** XX/XX/year> 2023

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
Tried to contact Midland Credit Management and they were not helpful at all, asked for debt validation letter and did not get one and they said they sold the debt to someone else. They are the ones reporting on my credit report all the inaccurate information. They would not help telling me to call someone else. Their name is on my credit report not the other collection agency. So, they are the ones reporting the incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: WI

Complaint narrative:
THESE COMPANYS IS REPORTING FRAUDULENT INACCURATE INFORMATION ON MY CREDIT REPORT I HAVE REQUESTED THAT THEY PROVIDE THE PURCHASE AGREEMENT TO SHOW FULL OWNERSHIP OF SUCH ACCOUNT AND ALSO OTHER DOCUMENTS SO I MAY REVIEW TO SEE IF THIS ACUALLY A ACCOUNT THAT BELONGS TO ME XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX bankruptcy discharged 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 non-monetary relief
Consumer complaint received 2025-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These accounts are not mine. I need them removed from my credit report immediately. I know my rights under the fees act and metro two, and they are being violated. I am a victim of identity fraud. You can contact me if need be. Thank you for your time and have a blessed day.

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 2025-04-03 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:
These accounts are not mine. I need them removed from my credit report immediately. I know my rights under the fees act and metro two, and they are being violated. I am a victim of identity fraud. You can contact me if need be. Thank you for your time and have a blessed day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: FL

Complaint narrative:
These accounts are not mine. I need them removed from my credit report immediately. I know my rights under the fees act and metro two, and they are being violated. I am a victim of identity fraud. You can contact me if need be. Thank you for your time and have a blessed day.

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 2025-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I disputed a claim in XXXX and provided necessary documents through the link that was sent and they never informed me they didnt recieve it. They simply closed the dispute and charged me again without emailing me anything so when I called they opened it up as I informed them that I did in fact upload the evidence that the company was supposed to refund me and they sent the link again just to waste my time saying that my timeframe has expired and closed it again. I will not pay for something that was supposed to be refunded by the company that the seller agreed on refunding me for. Theyve been so unprofessional and rude!!

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

Complaint narrative:
While reviewing my credit report, I came across several accounts that I have no knowledge of. I never opened these accounts, and yet they are showing up under my name. This is not only confusing but also incredibly frustrating, as it reflects a financial history that isnt mine.

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 2025-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
My mother died in XXXX. I immediately contacted the mortgage company. I submitted the death certificate, will and my birth certificate, but they said I had no interest in the property and wouldn't speak to me. A woman from a title company reached out to Mr. Cooper on my behalf. She worked out a deal and asked me to choose an option : pay the interest and the pay off amount stays frozen for 6, 9 or 12 months or pay nothing and the interest is added to the pay off amount for 6, 9, or 12 months. I chose to pay nothing and add the interest for 9 months. This was late XXXX, early XX/XX/XXXX. I had managed to pay my mom 's mortgage in XXXX and XXXX. 

I texted the title company on XX/XX/XXXX. The response was that she believed they had all needed documentation and we would get final approval soon. When I spoke to the title company on XX/XX/XXXX, they stated that approval was coming and that the Mr. Cooper agent had said to tell me not to pay the XXXX mortgage since approval was imminent. I touched base with the title company again on XX/XX/XXXX and was told that they believed the hardship had been approved and she would confirm. 

I then received a letter on XX/XX/XXXX threatening foreclosure. I called Mr. Cooper. The agent I spoke to claimed that there was no record of an agreement and no record of any calls with the title company. After I agued with them for a while, the agent finally said that she did see a call from the title company but still claimed that there was no agreement. She told me that I should do nothing because it would be at least 6 months before they would ever start the foreclosure process. I called the title company the next day, XX/XX/XXXX, and she told me that she was told by Mr. Cooper that is was approved and the mortgage was on hold. On XX/XX/XXXX, she said she was working to resolve the issue. 

On XX/XX/XXXX, I received a letter stating that the home was in foreclosure and had been sent to foreclosure on XX/XX/XXXX. We had only missed 4 payments at that point. I was told that we could come up with a payment plan, but it would be reported on my credit as the executor. I demanded to speak to a supervisor. The supervisor told me that it would not go on my credit. She then said she could work up a hardship waiver. We went through the entire application process and then said she couldn't complete it because I didn't leave in the house. Mr. Cooper has lied and rushed this to foreclosure. How can anyone do this when it is an estate? 

I was only able to upload my text exchange with the title company. Mr. Cooper refused to put anything in writing to me. The title company may have something. When I called today, they refused to put anything in writing. No company should be allowed to operate this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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