vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OR

Complaint narrative:
I made a payment on XX/XX/XXXX that applied towards both of my two loans serviced by MOHELA. After clicking submit I got several error messages. Now my online account transaction history shows a total of XXXX transactions on XX/XX/XXXX when there should be only XXXX. These transactions are for seemingly random amounts, some zero, some positive, some negative. The total unpaid principal is actually higher now than it was on XX/XX/XXXX before I made payments. 

I've been on the phone with cust service for over XXXX hours and the agent agrees those are errors but there's nothing she can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
I am writing to EQUIFAX to formally dispute the accuracy of certain information in my credit report, which I obtained. Pursuant to 15 USC 1681i ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I demand an immediate, thorough, and good-faith investigation. I know that EQUIFAX being sued for engaging in " sham investigations '' by failing to properly verify and correct erroneous credit report entries, misleading consumers in the process. Given these serious violations, I expect my dispute to be handled in full compliance with the FCRA, including : 1.A complete and reasonable investigation within the 30-day period, as mandated by law. 2.A detailed explanation of your findings and the actions taken to correct any errors.

3.The provision of a free updated credit report reflecting the corrections made. I have enclosed supporting documentation to substantiate my claim, which should assist in your investigation. Failure to properly investigate and correct these errors will leave me no choice but to escalate my complaint to regulatory authorities, and my state attorney generals office, and to seek legal remedies for damages caused by your agencys failure to comply with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I ask Experian, XXXX and XXXX to remove these fraudulent accounts off my credit! I provided information that proved these accounts were opened during my incarceration and gave my incarceration papers and they still left it and said the debt is mine. I would like this removed 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 explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
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 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Money was taken out of my checking {$10000.00} at XXXX banks in XXXX ( total of {$20000.00} ) Then money was taken out of my savings at XXXX different banks in NY and someone tried to charge a XXXX on another account. 
Bank says I have to wait XXXX XXXX days for my {$20000.00}. They rejected my claim to give me money until they investigate. all the have to do is look at the video from the banks. 

They also have not responded to the police detective. I have been with this bank fo 44 years and I can't get past the main fraud to get 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 monetary relief
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PR

Complaint narrative:
En el 2020 me llamaron de USA STUDENT DEBT RELIEF indicando que ya Mohela no iba a tener mi cuenta porque supuestamente estaban cometiendo fraude. Resulta que el USA STUDENT DEBT fueron los que me timaron. Les comenc a pagar supuestamente el prstamo y resulta que me estafaron . Hago la reclamacin para que puedan ayudarme para los pasos a seguir.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
On XX/XX/XXXX XXXX  XXXX XXXX sold my parents mortgage to Shellpoint. XXXX  XXXX XXXX assured me that all of the documentation would be transferred to them in reference to me being the executor of the estate. Upon contacting Shellpoint they claimed that it was not and they could not speak to me regarding the mortgage. I have faxed their requested XX/XX/XXXX. I emailed them on XX/XX/XXXX, and was told by several that they were not received however I do have a read receipt for every XXXX mail I have sent. Then I emailed them again and was told they were received but still needed a copy of my identification which XXXX XXXX mailed that day ( XX/XX/XXXX ). I waited the requested wait time and called back and again was told they were not received. Every time I speak with someone from Shellpoint I ask their name and operator number, XXXX representatives were very kind and also gave me their identification information. They other representatives have been flat out rude saying things like " This is a recorded line, you do not need my information. '' " I can not speak to you, you can not pay off this account with out being on the account. '' When I asked about getting the information to pay off the note on line I was told " You can not pay off this loan on line, we will not issue a loan release to someone not on the account. I will not give you pay off wire transfer information. '' I have spoke with representatives that said they saw the information in the file but it was not uploaded and they " filed a complaint '' gave me a complaint number # XXXX. I waited and called back a couple days later and got the same story except I will send an XXXX mail to XXXX XXXX who is XXXX XXXX of contact for this account. The representative gave me the extension to contact XXXX XXXX but she is either constantly on the phone XXXX away from her desk. I am beginning to feel as if since they are a " XXXX Collector '' they are wanting only to either prolong making payments OR foreclose on the property. I asked to speak with a supervisor today who had me XXXX mail the documents to her directly, I did as she asked. She said she received them and would get back to me in XXXX to XXXX business days. Meanwhile the mortgage continues to earn interest and I continue to get letters in the mail from them wanting payment. Every time I have spoke with them I have told them that I am trying to pay off the mortgage but this makes no difference.

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 2025-01-24 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: VA

Complaint narrative:
I am filing this complaint because Experian has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) regarding my credit report dispute. Specifically : XXXX. They did not conduct a reasonable reinvestigation of the disputed information XXXX. This has resulted in inaccurate and unverifiable accounts remaining unresolved XXXX. Their handling of my case aligns with the systemic issues identified in the CFPB 's recent lawsuit against Experian, including : - Failure to properly forward consumer-provided evidence - Acceptance of unreliable responses - Inadequate notification to consumers about dispute outcomes Despite multiple attempts to resolve this issue via phone, Experian has neither corrected nor removed the disputed information from my report. This continues to impact my credit standing negatively. 
Disputed Apple Card has outdated and incorrect information and should be positive standing XXXX  XXXX Accounts should not be showing negative Fair Collections and Outsourcing were not properly investigated XXXX Account is reported negative and should be updated

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 2025-01-24 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: MO

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 2025-01-24 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: NC

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Date XXXX XXXX XX/XX/XXXX Balance Owed : {$7500.00} Collection XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$100.00} Collection XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$22000.00} Charged off XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Owed : {$26000.00} Late/Open XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$180000.00} Late/Open Inquiries in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-01-24 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: CBC Companies, Inc.
State: CT

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & # XXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Jennifer McCoy, PC
State: TN

Complaint narrative:
Creditor : the XXXX XXXX XXXX type : collection agency/attorney balance : {$5000.00} opened : XX/XX/year> Reached out to the company to verify the collection that I was never told about - completely unknown to me. No answer. No response. Was not aware of owing any debt to anyone let alone a collection until I checked my free " XXXX XXXX XXXX '' online. I was not advised of disputing the claim and was unaware of the claim altogether. Never agreed to pay any amount to any collection company. Please remove this claim that was never disclosed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: DISCOVER BANK
State: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions XXXX, XXXX, and XXXX consistently responds within XXXX hours starting the account is accurate without providing any evidence of a thorough investigation. This practice violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

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 2025-01-24 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: WI

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 CPB 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 2025-01-24 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: MS

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracy in my credit report. Despite my submissions that consistently responds within 24 hrs stating the account is accurate without providing any evidence of a throughly investigation, This practice violates The Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection ( CFPA ), 12 U.S.C. 536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the ( CFPB ) recent administrative proceedings File No. ( XXXX ) against them for similar violations. I request that the CFPB take action that Equifax complies with federal law and provides consumer with the necessary proof of investigation.

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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
XXXX XXXX inaccurate XX/XX/XXXXinaccurate XXXXXX/XX/XXXX IS APART of Bankruptcy should be removed XXXX XXXX inquires are reporting incorrectly not accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: SC

Complaint narrative:
To validate this debt and to prove this is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
2017 til present. I have used the money transfer site known as Zelle to send/receive various amounts of money. I believe that there is a very strong chance that there was fraud committed on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
They refuse to open a dispute. They changed their site and now can't make a payment on it.

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