vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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: DE

Complaint narrative:
XXXX XXXX XX/XX/year> XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX, XXXX and Equifax 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 auto loans, a credit cards and any other accounts from Ally Financial : with a balance of {$3300.00}, XXXX XXXX : with a balance of {$4300.00}, XXXX : with a balance of {$13000.00}, XXXX : with a balance {$1400.00}, XXXX XXXX XXXX with a balance of {$25000.00}, XXXX XXXX XXXX XXXX : with balance of {$7800.00}, XXXX XXXX XXXX XXXX : with balance of {$1000.00}. These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. 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 from FTC report 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 Fraudulent Hard Inquiries- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: DE

Complaint narrative:
XXXX XXXX XX/XX/year> XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX, Experian and 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 auto loans, a credit cards and any other accounts from Ally Financial : with a balance of {$3300.00}, XXXX XXXX : with a balance of {$4300.00}, XXXX : with a balance of {$13000.00}, XXXX : with a balance {$1400.00}, XXXX XXXX XXXX with a balance of {$25000.00}, XXXX XXXX XXXX XXXX : with balance of {$7800.00}, XXXX XXXX XXXX XXXX : with balance of {$1000.00}. These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. 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 from FTC report 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 Fraudulent Hard Inquiries- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-02 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: AZ

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 non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have called twice because of not being able to pay on accounts due to loss of employment. I also have a loan with the same bank and my payments are on time due to it comes straight from my social security check. I ask can all accounts be placed together and all payments can come from that one account was told no but its a way the accounts will get paid.

So now I am constantly being harassed about accounts even though I tried to get help from them.

I just dont know how to handle this and is definitely a burden on me and trying to pay back The name of company is Navy Federal Bank . I have other issues with them like overdraft payments being charged three and four times for one single account.

If anyone can please help or have a solution on how I can handle this situation please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: OR

Complaint narrative:
I have a joint account with XXXX XXXX by XXXX which I share with my significant other. We have had this account since at least XXXX when I opened it using my phone wallet. It is used like a prepaid card account. Later I received checks for the account to use for our rent or later our mortgage payments. We do not use this account much any more because money transfered to account is held for at least XXXX business days before it can be used in any way. We try to make cash deposits at our local XXXX XXXX or XXXX XXXX to avoid the 5 day hold. I attempted to transfer from my linked checking accou t at XXXX XXXX  XXXX {$50.00} in XX/XX/XXXX. XXXX apparently rejected or returned that deposit several days later. On XX/XX/XXXX I deposited {$300.00} cash at local XXXX XXXX and {$200.00} cash XX/XX/XXXX. This was meant to pay bills and buy online XXXX Monday sales. After all my purchases were cancelled for non payment I called the number in the app. After about XXXX attempts to call I spoke to rep that told me it was an issue with my app. We were disconnected while they went to investigate exactly how to fix the issue. XXXX more phone calls and hours on hold plus multiple attempts at chat in app the calls started hanging up on me when the agent would answer after a long hold. I spoke to XXXX more agents that had me freeze and unfreeze my card, delete my XXXXXXXX XXXX app from all our devices, losing tons of transaction data and saved cards that weren't needing to be re entered and re activated. Eventually telling me to hang up so I could restart my phone. After XXXX more days of not being able to get to a live agent I reached XXXX that referred me to XXXX customer care. Again several attempts to reach them due to long. Wait times. Finally I speak to an agent who first tells me they are investigating possible fraud or unusual activity and she will email the XXXX to fast track it to get the restriction lifted. I should expect to hear from them in email or within XXXXXXXX XXXX app. Meanwhile XXXX personal checks bounced. So the entire account is frozen. Not just a debit card restriction as I'd been told. I call sofi again and get a somewhat rude agent who tells me my account is closed due to suspicious activity that she couldn't specify and a returned deposit. I won't be able to do anything further and my money will be held up to XXXX weeks to allow any pending transactions before my money will be sent by check. However that is obviously a lie because they haven't allowed any pending transactions to clear. Nothing has changed in the app and we can't get anyone on the phone. It disconnects without a word from an agent. We haven't received any mail or paper to confirm or deny what I was told on any of these calls or any email indicating any kind of problem or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: GA

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
On date XX/XX/year> I received a wire, on history payment, is saying XXXX XXXX yes there is a fee of XXXX $ that appear on history payment but still there are some money took from me without me knowing why and because of lack of transparency I am not able to know even who took that money from me.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of 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 non-monetary relief
Consumer complaint received 2025-01-02 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:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of 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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: TX

Complaint narrative:
The ongoing presence of fraudulent inquiries on my consumer report has created a devastating cascade of personal and financial consequences, despite my repeated attempts to resolve this issue. As a confirmed victim of identity theft, these unauthorized inquiries have severely impacted my ability to achieve crucial life goals, most notably preventing me from purchasing my dream home and adequately providing for my family 's needs. The emotional toll of dealing with this identity theft has been immense, particularly as I watch these fraudulent items continue to damage my financial standing despite having no connection to or responsibility for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
XX/XX/XXXX i order a cashiers check in the amount of {$730.00}. XX/XX/XXXX funds were taken from my account. I was not given tracking information at first until I requested it. The information they gave me was invalid. I was informed at first it would take 3-5 days to receive the check. After that time had passed I was told to wait another 7 to 10 days. I requested to void the check and return the funds, I was told I can not do that until I receive the check. I believe my check has been stolen, as they are giving me false information on tracking and expected delivery.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I am writing to formally address several unresolved issues with my mortgage account with Mr. Cooper, that have caused me significant stress & frustration. Despite my repeated efforts to resolve these matters, I have not received a timely or satisfactory response. 

Correction of Hazard Insurance Charges I submitted my updated homeowners insurance policy well in advance, yet my account continues to reflect charges for hazard insurance. It has been two weeks since I provided the necessary documentation, and the force-placed insurance premium remains in my monthly installment. I simply can't afford to continue to pay for two insurance premiums and the inflated charge of {$800.00} on top of my mortgage. These practices are predatory and fraudulent. Where is the protection for consumers lie myself? It's important to note that I have never been late on any of my mortgage payments despite struggling to stay afloat. Something I am incredibly proud of. 

This practice is not only incorrect but could potentially violate my rights under federal laws, including the Real Estate Settlement Procedures Act ( RESPA ). I urge them to immediately remove the inflated hazard insurance charges from my account, cancel the force-placed insurance policy, and adjust my monthly payment accordingly. I have attached all relevant documentation for your reference. 

Continuing to charge for unnecessary or redundant insurance is unacceptable, and I will not pay inflated and unjustified amounts moving forward. 

Missed Appointment for Home Appraisal- to have PMI removed from my account, as I beeve my home has over 80 % equity in it. 
I paid the {$150.00} fee on XXXX XXXX for a home appraisal to be conducted on XX/XX/XXXX by one of your representatives, yet no one showed up or contacted me to reschedule. I have not received any follow-up communication regarding this matter. 

I demand either an immediate refund of the {$150.00} fee or the prompt rescheduling of the appraisal. This delay has further prolonged the removal of PMI insurance from my account, which is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: Kriya Capital, LLC
State: OH

Complaint narrative:
To whom it may concern : I have been trying to clean up my credit and investigate and ask for the correct information and the credit agencies. Due to my information being leaked in a data breach. The correspondence I received back could not provide this.

[ Creditors Name and Full Address ] [ Name of Debtor of Record ] [ Full Account Number ] [ Amount of Debt ] [ Due Date of Debt ] [ Original Charge Off or Delinquency Date ] [ Explanation of how the Debt was calculated ] [ Evidence that the Debt is within States applicable Statute of Limitation ] [ Name of Collection Agency or Owner of Debt, if applicable ] [ Amount Paid if Debt was Purchased ] [ Completed and Executed Agreement, including Signature Pages, for the Debt ] [ Send a fully detailed list of the payment history on this account ] [ Has there been any insurance claim found on this debt ] [ Show the chain of title that you have to collect on this debt ] [ Is there proof a Dunning letter was ever sent ] Per 15 USC 6802, 15 USC 1681b, 18 USC 1028A, My credit has been effected illegally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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:
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurat

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 2025-01-02 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 Report and noticed that i had late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX  XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: VA

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.

Company response to consumer: Closed with non-monetary relief