vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
I discovered a XXXX XXXX account listed on my Experian credit report that I did not open. This account is the result of identity theft. I have never applied for or authorized any XXXX XXXX account. Upon finding this fraudulent account, I immediately filed an Identity Theft Report with the Federal Trade Commission ( FTC ) and submitted a formal dispute to Experian, requesting removal of the account. 

I provided Experian with all necessary documentation, including a copy of the FTC report, my government-issued ID, and proof of address. Despite this, the account has not yet been removed from my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), Experian is obligated to block and remove fraudulent information from my credit report when provided with an Identity Theft Report. I am requesting the CFPB 's assistance to ensure that Experian complies with this requirement and deletes the XXXX XXXX account from my file 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 2025-03-22 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: PA

Complaint narrative:
I am requesting your help to investigate accounts where companies have mistakenly reported late payments. Upon reviewing my credit report, I found errors on specific accounts showing late payments that should not be there. These accounts should not have any late remarks. Please remove these errors and update them to reflect a positive status

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 2025-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION
State: UT

Complaint narrative:
I received and deposited a check for {$2800.00} on XX/XX/year>, unknowingly accepting a fraudulent instrument. On XX/XX/XXXX, Zions Bank identified the check as fake and removed the funds from my account. Since that date, I have been unable to access my account or use my debit card, effectively freezing my financial resources for nearly a month without proper notification or resolution. 
I have made multiple good-faith attempts to resolve this matter, including : XXXX separate phone calls to customer service, each resulting in different and contradictory information XXXX in-person visits to different branch locations Following their recommendation to order a replacement card, which also did not function During my first call, a representative stated the issue was " the fault of the vendor. '' My second call resulted in being told they could not assist me by phone and I needed to visit in person. Upon my first branch visit, staff could not identify any issues with my account, though a supervisor briefly mentioned fraud and advised me to " wait for resolution '' without providing a timeline or process. 
At my second branch visit, despite staff again being unable to explain or resolve the issue, I was permitted to withdraw only {$50.00} after significant effort. The branch manager promised to call me after speaking with relevant departments, but no follow-up occurred. 
After receiving and activating a new card as suggested, I attempted transactions at multiple merchants ( both in-person and online ) and was declined each time. Only after yet another call was I finally informed that a freeze had been placed on my account, requiring an in-person visit for resolution, information that was provided on a Friday, causing additional delay. 
This situation has caused significant financial hardship and stress. I believe the bank has failed in its obligation to provide clear communication about account restrictions, a reasonable timeline for resolution, or appropriate accommodations during the investigation process.

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 2025-03-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION
State: OH

Complaint narrative:
It happened on XX/XX/year>, when I applied for a personal loan in the amount of {$3500.00}. It was not approved although my credit rating is at XXXX. I applied for the loan over the phone and was told that I will be receiving a letter explaining why it was not approved. Immediately after she made that statement she said I have to go now because I have another call. I've never been late on any of my previous loan payments and I make more than enough money to secure the loan. I feel like I am being single out due to my ethnicity. 
Thanks for your help!

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 2025-03-21 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: PA

Complaint narrative:
I am filing this complaint due to multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding the inaccurate and misleading reporting of a collection account from XXXX XXXX XXXX for an alleged debt originally from XXXX XXXX. 

Here are the specific violations that require correction or removal of this account : Impossible " Date Opened '' ( FCRA 609 Violation ) The collection account is reported with a future date ( XX/XX/XXXX ), which is impossible and a direct violation of the FCRA 's accuracy requirements. 
This false reporting is damaging my creditworthiness. 
Illegal Re-Aging of Debt ( FCRA 623 Violation ) The " Last Reported Date '' ( XX/XX/XXXX ) has been fraudulently updated to make the debt appear newer. 
Credit bureaus must not allow this illegal practice, and this account should be immediately deleted.

Charge-Off & Collection Conflict ( FDCPA 807 ( 2 ) ( A ) ) The account is both a charge-off and a collection, which is false and misleading.

A charge-off account can not be reported as a new collection, making this an illegal double-reporting violation. Misclassified Account Type ( FCRA 607 ( b ) ) The accou
nt is reported as an " Open Account '', even though it is a collection.

This inflates my credit utilization and misrepresents my debt obligations.

Failure to Validate Debt ( FDCPA 809 Violation ) The collection agency has failed to provide legal validation of this debt, including : A signed original contract An itemized breakdown of how the debt was calculated Proof that XXXX XXXX XXXX has the legal right to collect this debt If this can not be provided, this account must be deleted immediately under federal law.

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 2025-03-22 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: GA

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 explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
Hello! My father in law died with a mortgage left on his home. We took over the mortgage waiting to be appointed to his estate. We are now appointed on the estate and the probate court system is lengthy in his former city. Our real estate agent suggested we call the mortgage company, Rushmore Servicing, and explain that we were the administrators of the estate, we have been paying the mortgage in good faith, and if there were programs while probate is approving the agreed upon sale amount to stop the mortgage, late fees, etc. A simple XXXX search also showed that mortgage companies do this when the estate is going through probate. When we called we were verbally assaulted for having the audacity to ask for the mortgage to be held or late fees to be waived. We were scolded and lectured, one statement was, no real estate agent or lawyer would suggest that any mortgage company is going to hold off late fees or collecting the mortgage. We were even told, you signed the mortgage contract. No we did not. If there is a contract it has not been provided to us as executor of the estate. My father in law was XXXX XXXX XXXX, we had nothing to do with his finances. In addition we have been doing the right thing and paying the monthly mortgage, we have spent thousands of dollars that should be growing interest in our account and incurring thousands of dollars in credit card debt because our home budget does not allow for an additional {$1000.00} plus for a mortgage. 
Rushmore Mortgage Servicing is an awful company. I feel my father in law was taken advantage of and now they are doing the same to our family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent account on my report. Please remove this account from my report, they are hurting my ability to obtain credit. I do not have a contract with this creditor, I do not recognize or authorize this account. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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 notice I had fraudulent account on my report. Please remove this account from my report, they are hurting my ability to obtain credit. I do not have a contract with this creditor, I do not recognize or authorize this account. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA 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 2025-03-21 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: National Credit Adjusters, LLC
State: VA

Complaint narrative:
I am writing to file a formal complaint against National Credit Adjusters ( NCA ) for reporting inaccurate and unverifiable information as a collection account on my credit report and for failing to provide required verification of the debt. 

In XX/XX/year>, I made a formal request to NCA for verification of the alleged debt, including detailed documentation and mailing information, as required under the Fair Debt Collection Practices Act ( FDCPA ). Despite my request, NCA has failed to send any documentation to verify the debt, in violation of 15 U.S.C. 1692g, which mandates that debt collectors provide verification upon request.

Furthermore, NCA has reported the debt on my credit report, which I assert is inaccurate and unverifiable. This violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ), which requires that furnishers of in
formation to credit reporting agencies must investigate disputes and correct any inaccurate information. As a result, the inaccurate and unverifiable reporting has caused significant harm to my credit score and financial standing.

In light of the above violations, I am requesting the CFPB to take the following actions : The immediate removal of the unverifiable collection account from my credit report, in accordance with 15 U.S.C. 1681s-2 ( b ).

A full investigation into NCAs practices regarding the alleged debt and their compliance with the FDCPA and FCRA. 
That NCA provide the assignment contract between the original creditor, NCA, and XXXX XXXX, as I am entitled to this documentation in order to verify the legitimacy of the debt under 15 U.S.C. 1692g.

That NCA cease and desist all future communications with me regarding this matter, in accordance with 15 U.S.C. 1692c ( c ), which allows consumers to request that debt collectors stop contacting them.

Additionally, I would like to inform NCA that their failure to remove the inaccurate and unverifiable collection account will result in my pursuit of legal action for statutory damages under 15 U.S.C. 1692k ( FDCPA ) and 15 U.S.C. 1681n ( FCRA ) for willful noncompliance. I will also consider pursuing claims for damages resulting from their noncompliance with the Consumer Credit Protection Act ( CCPA ) and any other applicable laws. 

I trust that the CFPB will investigate this matter thoroughly and ensure that NCA is held accountable for their violations. Please contact me should any additional information be required to assist with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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:
acct # XXXX This account is unknown and unverifiable please remove there is no contract with my signature

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 2025-03-22 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: CA

Complaint narrative:
acct # XXXX This account is unknown and unverifiable please remove there is no contract with my signature

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 2025-03-22 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: FL

Complaint narrative:
I am submitting this complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and my consumer rights. The following issues have occurred : Failure to Conduct Proper Investigation by TransUnion - 15 U.S.C. 1681i I disputed multiple inaccurate accounts on my credit report with TransUnion. Despite my dispute, these accounts were verified without proper documentation.

Resolution Requested : I request all documents used in the verification process or the immediate removal of these accounts.

Inaccurate Delinquency Reporting - 15 U.S.C. 1681e ( b ) The report incorrectly shows late payments in XX/XX/2023 and XX/XX/2023 for a closed and fully paid account. A paid account can not have further delinquencies.

Resolution Requested : I demand the removal of the incorrect late payments.

Duplicate Collection Accounts - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) My credit report contains multiple collection accounts ( # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX ) with the same original creditor and similar balances, suggesting duplication and improper reporting.

Resolution Requested : Delete any duplicate accounts.

Illegal Re-Aging of Debt - 15 U.S.C. 1681c ( a ) Certain collection accounts appear to have updated delinquency dates, possibly restarting the seven-year reporting period, which is illegal under the FCRA.

Resolution Requested : Correct the Date of First Delinquency ( DOFD ) or remove these accounts.

Failure to Mark Disputed Accounts - 15 U.S.C. 1681s-2 ( a ) ( 3 ) TransUnion failed to mark disputed accounts as " disputed by consumer, '' violating the FCRA.

Resolution Requested : Update the accounts to reflect the dispute or remove them.

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 2025-03-21 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: CA

Complaint narrative:
Experian has not attempted to remove nor correct any inaccurate information on my credit report. I am requesting that these derogatory remarks be removed or corrected immediately, as they are affecting my ability to purchase a home and a car. Experian is violating my rights as a consumer, as well as federal laws. 

I filed a dispute with Experian regarding inaccurate and unverifiable information on my account XXXX credit report, specifically the following accounts : XXXX  XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX ( Duplicate Entry ) Account Number : XXXX Despite my formal dispute, Experian failed to conduct a proper investigation or provide a resolution, violating the Fair Credit Reporting Act ( FCRA ). I have recently been informed that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian for similar issues, including accepting unreliable information and failing to properly handle consumer disputes. 

These inaccuracies on my credit report are preventing me from securing a home loan and purchasing a vehicle, significantly affecting my financial stability. Experian has failed to remove or correct these errors, despite multiple attempts on my part to resolve the issue. 

Desired Resolution : I want Experian to immediately conduct a thorough and fair investigation, remove the inaccurate accounts, and provide written confirmation of the resolution.

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 2025-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App XXXX Block XXXX Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX  ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: MI

Complaint narrative:
I do my banking with chime. I got a text message on XX/XX/year> for an approval of money taken from my account at a XXXX in Georgia for {$310.00}. I live in Michigan. The text message asked me if I approve the transaction I said no another text came through stating a representative will be contacting me shortly to dismiss this matter. I answered the phone the gentleman stated he was a representative for chime banking. He said we can resolve this really quick XXXX XXXX all they needed me to do was to transfer {$5000.00} into another account and they would send me a new card with a new account and routing number. I was on the phone with XXXX who took out XXXX {$1000.00} payments out of my checking account thinking it was going into a new account. I was on the phone nearly 2 hours the gentleman finally said that it's getting late and will process your transaction in the morning he would call at XXXX. I never got a call I started getting worried, I called my chime account and they told me I got scammed so I made a dispute XX/XX/XXXX Sunday it took him a couple days and they denied it I also made another dispute on XX/XX/XXXX and they also denied that stating it was not a company or a franchise and they can't do anything about it. I'm a XXXX XXXX XXXX XXXX XXXX in a house and I work my XXXX off to make my own money I have bills I have house payments. It's not a little bit it's a lot a bit of money. Also when I made the first dispute on Sunday the real chime representative did say that they will never contact you only through text I wish I would have known that or I wouldn't be out {$5000.00}. Also this fake representative from chime knew all my information how much money I had in my account how much money I had in my savings he knew everything and how?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 5BD

Company response to consumer: Closed with explanation