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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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: Experian Information Solutions Inc.
State: AR

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 2025-01-27 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX Bank XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX  XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER Late. 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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's and XXXX inaction violates federal law 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 2025-01-27 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) 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 2025-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OH

Complaint narrative:
Mohela was made aware of the Adversary Hearing and a phone call confirmed. However they stated that they did not receive the discharge document that was mailed to them once the XXXX signed the order. The order was signed on XX/XX/XXXX. I emailed them on XX/XX/XXXX and included the signed order and then called to confirm they had it in their records. I was told it needed to be sent to their legal team, would then be forwarded to XXXX XXXX XXXX, and after their approval would remove the incorrect information from my account. I emailed them again on XX/XX/XXXX and again today. Hold times are over XXXX hours and I have been " disconnected '' multiple times. I have filed a complaint with the Department XXXX as well and they also were unhelpful and referred me back to Mohela. I have a complaint that is still pending.

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: 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:
I am contacting you to dispute fraudulent items on my credit report, which I believe have been added illegally. Pursuant to 15 U.S.C. 1681c-2, I am requesting that these inaccurate items be blocked promptly. Attached is a copy of my Police XXXX XXXX Theft Report Number XXXX, which provides the evidence of clearly fraudulent credit reporting. Under the provisions of 15 U.S.C. 1681c-2, once an identity theft report has been submitted, consumer reporting agencies are required to block the disputed information within four business days. The following entries on my credit report are associated with this identity theft and must be blocked. 

I am writing to certify to you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND INQUIRIES from my credit report with transunion : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2025-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am contacting you to dispute fraudulent items on my credit report, which I believe have been added illegally. Pursuant to 15 U.S.C. 1681c-2, I am requesting that these inaccurate items be blocked promptly. Attached is a copy of my Police XXXX XXXX Theft Report Number XXXX, which provides the evidence of clearly fraudulent credit reporting. Under the provisions of 15 U.S.C. 1681c-2, once an identity theft report has been submitted, consumer reporting agencies are required to block the disputed information within four business days. The following entries on my credit report are associated with this identity theft and must be blocked.

I am writing to certify to you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND INQUIRIES from my credit report with transunion : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

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

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
My home loan was transferred to a new XXXX XXXX XXXX ( Newrez ) in XX/XX/year>. My monthly automatic payment carried over to Newrez and payments have been made on time for the duration of my time with this company. 

However, I am unable to edit or change the monthly payment amount. There is an issue with my online account where any payment details are locked and have a notice on my account that reads " This loan does not accept online payments. '' I have been in contact with Newrez for over a year and am no closer in fixing the issue. I have spoken with several agents, submitted IT tickets, e-mailed web support directly, and submitted physical main-in forms- all to gain access to my own account to adjust my payment about and the date the payment is drafted.

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 — Information belongs to someone else
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
I am writing to formally dispute the debt you are attempting to collect from me, as I have reason to believe your company is not properly licensed to operate as a debt collection agency in the state of Louisiana. 

I was recently notified that your company had placed a collection account on my credit reports for an alleged debt of {$390.00}, and upon investigation, I have been unable to find any record of your company being licensed to collect debts within my state. 

Therefore, I consider this debt collection attempt to be in violation of Louisiana State Law RS 9:3534.1 ( B ), and I demand that you immediately cease all collection attempts on my XXXX, XXXX, and XXXX credit reports regarding this alleged debt. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing formally to express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and having discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasable. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. 

One such circumstance happened on XX/XX/year> for {$400.00}.

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: VA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/year> Experian XXXX XXXX XXXX  XXXX, Tx. XXXX Subject : Dispute of Unauthorized Access to My Credit Report Under 15 U.S.C. 1681b Dear Experian, I am writing to formally dispute and request an investigation into an unauthorized access or furnishing of my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, consumer reporting agencies are prohibited from furnishing a consumer report without the consumers written consent or a permissible purpose as defined by the statute.

After reviewing my credit report, I noticed an inquiry or account that appears to have been accessed or furnished without my explicit written authorization or a permissible purpose as outlined under federal law. I have no record of providing consent for such access.

Please provide the following : 1. Documentation or proof of my written authorization permitting this access to my credit information.

2. A detailed explanation of the permissible purpose under which this access or furnishing of my information was allowed.

If you can not provide evidence of my authorization or a valid permissible purpose, I respectfully request that the unauthorized inquiry or data be removed from my credit file immediately.

As mandated by the FCRA, I expect this matter to be investigated within the required 30-day timeframe. Please confirm receipt of this letter and provide updates regarding your investigation. 

If necessary, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue further legal remedies to protect my rights under the FCRA. 

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

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

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 and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation to my account transactions. Navy Federal Credit Union also allowed fraudulent activities to happen to my account.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( insert date Always add month and year ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 
XXXX 1 LATE PAYMENT Balance details 36 % paid off Balance {$210000.00} Balance updated XX/XX/year> Original balance {$330000.00} XXXX 2 LATE PAYMENTS Balance details 57 % XXXX off Balance {$65000.00} Balance updated XX/XX/year> Original balance {$150000.00}

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 card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Ciribank alerted me about some potential fraudulent activities on my account in XX/XX/year>. However, instead of going to the bottom to resolve the problem, it just kept the fraudulent activities on the account but suspended the account and then transferred them to a new account as if they were legitimate transactions. Citibank started charging Late Fee and interest on the fraudulent transactions although it knew they were transferred from the suspended account due to fraudulent activities. 
The ways Citibank handles this matter are inconceivable and absurd! 

The account Citibank suspended due to Fraud was XXXX XXXX XXXX XXXX The new account Citibank set up to take the transactions from the above account was XXXX XXXX XXXX XXXX I have requested the closings of all these accounts and have not received any formal response to date. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SECURITY FINANCE CORP
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information Under Section 16.81.o Failure to Provide 1099 Form Dear XXXX, I am writing to formally dispute the accuracy of information on my credit report, as provided by XXXX XXXX XXXX XXXXXXXX XXXX charged-off debt. This information is inaccurate and does not comply with legal requirements, as I never received the required 1099-C form for this charged-off debt. This omission renders the reporting of this account invalid and negligent. 

This inaccuracy has caused me significant harm, including : Denial of credit due to the reporting of this charged-off debt. 
A negative impact on my credit score, which has affected my financial opportunities. 
Request for Resolution I am requesting that XXXX take the following actions : Conduct an investigation into the accuracy of the reported information. 
Remove the inaccurate account from my credit report promptly, as it fails to meet legal compliance standards. 
Notice of Intent Should you fail to resolve this matter adequately, I will consider taking further action, including seeking damages for negligence and non-compliance under Section 16.81.o. 

I trust this matter will receive your immediate attention. Please confirm receipt of this letter and provide an update on the status of my dispute within 15 days. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation