vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: NJ

Complaint narrative:
I recently discovered an account from XXXX XXXX XXXX XXXX on my credit report that I did not open or authorize. According to the information reported, the account was opened on XX/XX/XXXX, and is listed as " Collection/Charge-Off '' with a balance of {$0.00}. The date of last activity is reported as XX/XX/XXXX, and the account was last updated on XX/XX/XXXX. 

This account is the result of identity theft. I did not initiate or manage this account, and it has been reported inaccurately on my credit profile. Its presence has significantly impacted my ability to secure financing and has created unnecessary financial stress. 

I have not taken any action with XXXX XXXX XXXX XXXX directly to open or manage this account. However, I am disputing this account with the relevant credit bureaus ( Experian, XXXX, and XXXX ) 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 2025-01-28 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: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-01-28 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: DC

Complaint narrative:
I am filing this complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
My phone was stolen and the person who stole it was able to get into my cash app account and transfer XXXX XXXX dollars multiple accounts. ASAP I called cash app to report and try to stop the scam from happening but cash app told me they could do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: PA

Complaint narrative:
I filed a dispute on Experian with accounts : Creditor Name : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Creditor Name : XXXXXXXX XXXX XXXX Account Number : XXXX Creditor Name : XXXX XXXX  Account XXXX : XXXX Creditor Name : XXXX XXXX Account Number : XXXX Due to inaccurate and unlawful, unreliable information. Experian denied following up with the investigation. I recently was notified that CFPB had filed a lawsuit against Experian. They alleged that the company accepts unreliable information and fails to notify consumers of dispute results. 
This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house. Experian has violated federal laws and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I had a three line plans with XXXX XXXX XXXX XXXX California XXXX one of them ( XXXX XXXX ) got stolen from the first month that i got it ( XX/XX/XXXX ), and then the other line ( Just The Sim Card ) I stopped using it after 2 months ( XX/XX/XXXX ) and I went to XXXX, I told them about it that im only using one line ( XXXXXXXX XXXX XXXX XXXX and and i wanted to change my plan. They said they couldnt unless i finishes paying all the phones so they didnt do anything about it and they kept charging me for the three line plans and I went to three other retail stores and they didnt do anything about it either so I stopped paying it because I was only using one line. then after that they suspended my line. I called customer service I explained to them the same story again but the kept insisting that i pay them the amount owed. I told them I couldnt pay that amount at the moment and i asked if I can pay in installments, he told me i have to pay atleast half of the amount for him to make such arrangements. Two weeks later I received a letter where they threaten me that theyre gon na damage my credit score and stuff like that. They sent my information to the Credence Resource Management , LLC. Im trying to see what can I do or what you guys can do to help me in this situation. They said i need to pay {$1500.00} by XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: MD

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
Consumer complaint received 2025-01-28 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: OH

Complaint narrative:
XXXX continues to report to all three credit companies that I have a balance of upwards of {$110000.00}. My loans were forgiven through the public service forgiveness program. I disputed with XXXX and all three credit companies and XXXX continues to report the balance. This is a problem because I am trying to buy a house and this huge debt on my report is not accurate.

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 2025-01-28 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: OH

Complaint narrative:
XXXX continues to report to all three credit companies that I have a balance of upwards of {$110000.00}. My loans were forgiven through the public service forgiveness program. I disputed with XXXX and all three credit companies and XXXX continues to report the balance. This is a problem because I am trying to buy a house and this huge debt on my report is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: OH

Complaint narrative:
XXXX continues to report to all three credit companies that I have a balance of upwards of {$110000.00}. My loans were forgiven through the public service forgiveness program. I disputed with XXXX and all three credit companies and XXXX continues to report the balance. This is a problem because I am trying to buy a house and this huge debt on my report is not accurate.

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 2025-01-28 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: NC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. subsection 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. subsection subsection 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administration proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NY

Complaint narrative:
I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that Ive marked as inaccurate : XXXX XXXX XXXX XXXX ( Account # XXXX ) Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) Opened : XX/XX/XXXX Balance : {$240.00} XXXX XXXX XXXXt # XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) Opened : XX/XX/XXXX Balance : {$560.00} XXXX XXXX # XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX ) Opened : XX/XX/XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX ) Opened : XX/XX/XXXX XXXX XXXX ( Collection Account # XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX ( Collection Account XXXX XXXX XXXX Balance : {$380.00} If any items can not be verified within the 30-day statutory time limit outlined in FCRA 611 ( a ) ( 1 ), they must be removed or corrected immediately.

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 card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
A judgement was placed against me on XX/XX/XXXX XXXX  by a law firm representing the credit card company in the amount of {$2000.00}. 

I received notice that a property XXXX was recorded against my property on XX/XX/XXXX, 6 years and 4 months after the judgment date. 

I would like to know if the law firm has the legal right to place a judgement XXXX on my property at this later date and have unlawfully filed? 

Other than my address information, no credit card number or information was given by receipt of the letter notification of the judgement 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 2025-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: IL

Complaint narrative:
My income recertification deadline is in XXXX. I submitted my recertification through FSA in XX/XX/year>2024. It has been over 90 days and I have not heard back. Now my payments have gone to {$2400.00} from {$450.00} which I can not afford. I've tried to call Mohela and waited on hold for XXXX hours about XXXX separate times and never get an agent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I'm writing to file a complaint against Navy federal credit union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transaction were authorized. I was charged fees do to lagged posting of charges and credits. This issue aligns with the recent CFPB finding against Navy federal for similar practices. Where transactions settled with insufficient balance 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
Consumer complaint received 2025-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I lost my job a couple years ago, at them same time several equity were set up but not processed by the bank. 

I was told I must now have flood insurance, I have. The tax short falls and the flood made it impossible without a second job. Which I am looking for. 

I talked to escrow yesterday plus the person a-signed to me account. They cant do anything, they offer to alternatives or options. Only keep adding to my escrow. Should get a call from them in XXXX. Previous to PNC I had to escrow short falls was never told I couldnt cover insurance or taxes. 

The first month of the flood insurance increase plus the annual short fall additions was what I missed. Again a payment they scheduled but wouldnt accept added to the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Exeter Finance, LLC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inquiry on Credit Report Dear CFPB, I am writing to dispute an inquiry that appears on my credit report. The inquiry in question is from [ Company Name ] and was made on [ Date ]. I believe this inquiry is incorrect and should be removed from my report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that this inquiry be investigated and corrected as soon as possible. I have attached a copy of my credit report with the inquiry circled and supporting documents that show why this inquiry is incorrect. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I file this complaint regarding inaccurate reporting of a charged-off credit card account ending in XXXX on my consumer report by Bank of America XXXX 

Under IRS guidelines ( IRC 6050P and IRS Manual 5.9.4.9 ), canceled or forgiven debts of {$600.00} or more are considered taxable income and must be reported on Form 1099-C. If this debt has been reported to the IRS as canceled, it is legally considered forgiven, and continued reporting as a charge-off on my credit report is both inaccurate and misleading. 

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) requires creditors to ensure accurate reporting. Reporting a charged-off account as unresolved, when the debt has been treated as income and canceled, violates my rights and creates duplicative harm. If the debt has been forgiven and reported to the IRS, I have not received the required copy of Form 1099-C as mandated by IRS regulations XXXX 

Failure to resolve this matter promptly may result in further action.

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 2025-01-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I ordered my credit report from https : XXXX  and my Equifax report didnt come up. Ive been told this might be due to an error in my personal information you have on file. In this letter Ive included all of my current and correct personal information so this can be corrected. 
I have included the following information : Copy of my photo ID Document with my social security number Proof of current address Please use these documents to verify my ID and make my credit report available. 
Also, please remove any name variations that dont match my ID. Please remove any addresses that dont match my current and valid address. 

Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
Synchrony reported a negative balance against my credit and they refuse to correct course. 

Not only this they are using bots to booste their consumer scores in house giving the appearance of a successful company.

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