vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: TN

Complaint narrative:
I am formally disputing this auto loan under the provisions of 15 USC 1681, which pertains to the Fair Credit Reporting Act. I believe there has been an error or issue related to my loan that violates the terms outlined in the law, and I am requesting a thorough investigation and resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: IL

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 2025-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
On XX/XX/XXXX I sent somebody {$160.00} through Paypal to buy a XXXX. They said they never received this payment even though it processed. They then said that they needed my Bank account login, Debit card information, Paypal login, and address to start a refund. When I gave them this information they then made multiple payments on my account through Paypal and XXXX. I did not dispute them until now because he said that is what XXXX support told him to do. He used the address I gave him to mimic my IP Address with a VPN. He also used something to mimic my device and I'm not sure what it was. He did this so when he made payments he would not trigger any fraud alerts. There were multiple payments he made, but the ones that went through were {$93.00} on Paypal, {$220.00} on Paypal made on XX/XX/year>, {$270.00} on Paypal made on XX/XX/XXXX, {$90.00} on XXXX made on XX/XX/XXXX, {$110.00} on XXXX made on XX/XX/XXXX, {$70.00} on XXXX made on XX/XX/XXXX, {$30.00} on XXXX made on XX/XX/XXXX, {$5.00} on XXXX made on XX/XX/XXXX, and {$250.00} dollars on XXXX made on XX/XX/XXXX. There were 2 transactions he made where he forgot to use his VPN and they both triggered fraud alerts. The 2 transactions were the {$250.00} on XXXX, and a denied {$280.00} payment on XXXX on XX/XX/XXXX. They locked my account and had me get a new debit card. This proves that he had access to my account to make transactions without my authorization. I did not know that these classified as fraud when submitting my initial claims to XXXX so I filed some incorrectly. I have filed an IC3 complaint already. I have attached the screenshots of me giving him my Bank account login, Paypal account login, Debit Card information, Address ; The Bank account login from a different device, The failed {$280.00} XXXX payment and The IC3 Complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-28 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: FL

Complaint narrative:
My credit report shows late payments that arent accurate. Ive disputed these with the credit bureaus, but the issue still hasnt been resolved. The account in question shows late payments, even though Ive always paid on time as agreed. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

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 2025-02-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Upon review from our children, they inquired why we were paying PMI on our mortgage when there was sufficient equity in our home. Based on appraisal in XXXX, our home value was {$270000.00}. Our loan amount was {$180000.00}. During our refinance application, our loan officer never explained or discussed that we didn't need an FHA mortgage based not they equity in our home nor that we would need to pay PMI for 11 years, when we started out with ample equity in our home. When we tried to inquire about this issue with Rocket Mortgage, they couldn't offer any explanations, other than we needed to speak with someone on the phone not chat or email ( without paper trail ), but ultimately that we were locked in for 11 years or until we refinance. This is very misleading and shouldnt ' have occurred with our LTV at 67 %. We aren't seeking to go after Rocket for the exorbitant fees charged, all we are asking is that our PMI be cancelled as rates are no where near what our current rate is, so refinancing would put us in an even worse financial situation, when we're already struggling to pay our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX transaction of {$5800.00} at XXXX for a 2 month vacation rental for my XXXX son so he'd not be homeless while in another part of the state for training program. Posted to account on XX/XX/XXXX. 

Soon realized this is a FAKE and scam listing ; there is NO actual address to stay at! Also, my son and I both got harassing phone calls AND texts over and over from foreign people I think in XXXX XXXX. The number is a KNOWN SCAMMER PHONE NUMBER you see when going on the internet to look up the phone number.

They demanded we or I go to an outside portal and RE enter all my personal info including my credit card. I immediately contacted XXXX and they could not understand basic English. Did not even know the word " mom ''

when trying to say I had booked for my son as his mom. I had to wait on Citi Thankyou credit card ( long time customer ) for the charge to post to dispute it. So I did that and then put in a dispute for services not rendered and they were not beause you you can't stay at A NON EXISTENT ADDRESS! Today Citi says they have come to the conclusion I still ow this! and they read nothing I sent them! I was told by customer service today at Citi they can't even see attachements in emails but the dispute people say to email them ALL proof! It seems like they do not read and now I know they do not. Multiple people have issues with Citi finding in favor of the merchant and doin g XXXX actual investigation to help their customers.

This is not ok. I already booked a vacation rental w/ the same credit card because that first one on XXXX did not exist and he still needed a place to live for 2 months ... so I now ow for TWO 2 month rentals on my credit card because Citi left the XXXX charge on my account /card. 

This is going to ruin my credit and has put me in debt. It also made my XXXX  son drink heavily to the point of literally drinking himself to death soon. He feels immense guilt that he caused this by needing a place. 
Today XX/XX/XXXX Citi card re added this charge and reversed their initial temp removal to do the investigation which they never actually do for their customers.

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 2025-02-27 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:
Today, I came across inaccurate accounts on my credit report, and I have no clue why they appeared. I check my report regularly, but this time, I found discrepancies that werent there before. I even refreshed my browser to see if it was an error, but the accounts did not disappear. Because of this, Im requesting a careful review of the documents Ive provided to ensure I no longer have to worry about this.

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 2025-02-28 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.

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 non-monetary relief
Consumer complaint received 2025-02-28 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: AL

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 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 2025-02-28 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: NC

Complaint narrative:
I am writing to formally 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 reporting 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 unfeasible. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Credit Account Number : XXXX I tried to dispute a late payment reported on my credit file with all 3 credit bureaus for the account with XXXX XXXX XXXX account number XXXX. After submitting my dispute letters with proof to all 3 credit bureaus Experian and Transunion sent me a generic email response with no information as to why the late payment wasn't removed but instead they just updated the recent payment amount ( as shown in the before and after dispute picture ) despite sending valid proof. I asked why they didn't remove it and for proof of a proper investigation was done and I have yet to get a response. And Equifax has not responded to my dispute after 30 days.

This late payment is inaccurate and I request that it be removed from my credit report under the Fair Credit Reporting Act. 
The issue in question concerns a late payment for the billing cycle of XX/XX/year>. This account is set up for automatic payments, and I verified multiple times during XXXX that autopay was active. Additionally, I had sufficient funds in my bank account to cover the payment, my card has always been active, and was submitted properly. which further supports that this late payment was not an error made by me. 

In addition : Fair Credit Reporting Act violation 15 U.S. Code 1681e - Compliance procedures. There are multiple discrepancies in the report even after they all updated the report once I submitted the dispute with all 3 credit companies. There is a file I added of the credit report where I have circled each discrepancy and inaccurate reporting. 
Link : 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 




To support my claim, I have included the following documents : -A screenshot and confirmation of autopay being active and autopay working in XXXX and XXXX. 
-Bank statements of XXXX, XXXX, and XXXX showing sufficient funds during the billing period. 
-Email with XXXX XXXX confirming autopay and that the payment was made.

-My Letter to the credit bureaus proving I asked for a written response to this dispute, detailing findings and any changes made to my credit file. 
- The XXXX and XXXX payments. 


-Screenshot of the credit report where I have circled each discrepancy and inaccurate reporting.

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Credit Account Number : XXXX I tried to dispute a late payment reported on my credit file with all 3 credit bureaus for the account with XXXX XXXX XXXX account number XXXX. After submitting my dispute letters with proof to all 3 credit bureaus Experian and Transunion sent me a generic email response with no information as to why the late payment wasn't removed but instead they just updated the recent payment amount ( as shown in the before and after dispute picture ) despite sending valid proof. I asked why they didn't remove it and for proof of a proper investigation was done and I have yet to get a response. And Equifax has not responded to my dispute after 30 days.

This late payment is inaccurate and I request that it be removed from my credit report under the Fair Credit Reporting Act. 
The issue in question concerns a late payment for the billing cycle of XX/XX/year>. This account is set up for automatic payments, and I verified multiple times during XXXX that autopay was active. Additionally, I had sufficient funds in my bank account to cover the payment, my card has always been active, and was submitted properly. which further supports that this late payment was not an error made by me. 

In addition : Fair Credit Reporting Act violation 15 U.S. Code 1681e - Compliance procedures. There are multiple discrepancies in the report even after they all updated the report once I submitted the dispute with all 3 credit companies. There is a file I added of the credit report where I have circled each discrepancy and inaccurate reporting. 
Link : 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 




To support my claim, I have included the following documents : -A screenshot and confirmation of autopay being active and autopay working in XXXX and XXXX. 
-Bank statements of XXXX, XXXX, and XXXX showing sufficient funds during the billing period. 
-Email with XXXX XXXX confirming autopay and that the payment was made.

-My Letter to the credit bureaus proving I asked for a written response to this dispute, detailing findings and any changes made to my credit file. 
- The XXXX and XXXX payments. 


-Screenshot of the credit report where I have circled each discrepancy and inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: MI

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-02-28 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-02-28 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I want to make it absolutely clear that I did not authorize or open this account in any way. The activity associated with this account was fraudulent, and it is a clear case of identity theft. I have already taken steps to protect my identity, including filing a report with the Federal Trade Commission ( FTC ), and I am in the process of addressing this situation with law enforcement as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXXXXXX XXXX Account XXXX : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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