vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, 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 Accounts : XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$5800.00}, XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$440.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 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 ) 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 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 2025-01-25 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: LA

Complaint narrative:
Consumer Name ; XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION 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 a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, A personal loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, A collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, A student loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, A collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 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 # ( private case number ) 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 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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
Misuse of personal information by the company. As well as withdrawals and transactions that were not mine. And constantly having to get new cards because of unauthorized purchases coming through my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: SC

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft feesi have incurred. Despite having sufficient funds when transactions were im authorized. I was charged fees due to lagged posting bc of charges and credits. this issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair, and request an investigation into my transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: TX

Complaint narrative:
late payment is incorrectly reported, in accordance with 15 U.S.C. 1681s2 I have found some information that is inaccurate on my credit report. I don't believe these accounts were ever paid late as it is reported. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible or be change to Paid as Agreed never late. The items in question are : 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 non-monetary relief
Consumer complaint received 2025-01-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Subject : Urgent Complaint : Unauthorized Hard Inquiries on My Credit Report To Whom It May Concern, I am alarmed by several unauthorized hard inquiries on my Experian credit report. I did not approve these inquiries, and they violate my rights under the Fair Credit Reporting Act ( FCRA ). 

These inquiries are harming my credit score and limiting my financial opportunities. Below are the inquiries in question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize any of these inquiries. They are unlawful and are negatively affecting my credit profile. 

This issue has caused me stress and financial harm. I demand immediate action to correct these errors and protect my credit. 

Sincerely, 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 2025-01-25 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: WA

Complaint narrative:
Disputed via XXXX, XXXX. TransUnion dispute center not active. 

My credit report has 18+ incorrectly reported accounts. There are paid in full closed accounts reported as delinquent. There are car loans paid off reported as closed, not indicating it was paid off. There are credit cards reported as written off when they were paid and closed. I have paid accounts being reported as closed that are affecting and lowering my score. My home loan is listed as a closed account when my loan is active it was just purchased and has a new owner. So I have 2 home loan accounts reporting. The other loan needs to be removed completely.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Disputed via XXXX, Equifax. XXXX dispute center not active. 

My credit report has 18+ incorrectly reported accounts. There are paid in full closed accounts reported as delinquent. There are car loans paid off reported as closed, not indicating it was paid off. There are credit cards reported as written off when they were paid and closed. I have paid accounts being reported as closed that are affecting and lowering my score. My home loan is listed as a closed account when my loan is active it was just purchased and has a new owner. So I have 2 home loan accounts reporting. The other loan needs to be removed completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: PA

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 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: WA

Complaint narrative:
I've been with Chime for well over six months, in there requirements to earn more spot me credit, it will go up every time you have a direct deposit of {$200.00} or more every month! I receive 2 direct deposits every month {$920.00} for SSA, and {$44.00} from SSI! They will not honor their own rules, and further more, continually hang up on our conversations, still refusing to do anything about the issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: FactorTrust, Inc.
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX, I live on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, I was born on XX/XX/year>, my social is XXXX, my phone is XXXX, my email is XXXX. Please update my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Send money to the wrong person! And cant receive it back! It need layers to make sure you didnt send the money to the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i reported them that my perosnal information with my ssn got leaked on internet, and got debet under my ssn, which i dont recognized.i told them but they still didnt got helped moreover i credit score is messed up

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 2025-01-25 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington , DC XXXX XXXX : Formal Complaint Against Equifax for FCRA Violations and Failure to Address Dispute Regarding XXXX XXXX XXXX XXXXXXXX. Account Ending in XXXX Dear Sir/Madam, I am writing to file a formal complaint against Equifax for repeated violations of the Fair Credit Reporting Act ( FCRA ) regarding inaccurate reporting of my XXXX XXXX XXXX XXXX XXXX. account ( account ending in XXXX ). This erroneous reporting has negatively affected my ability to secure a mortgage, and Equifax has failed to resolve the matter despite multiple disputes filed by me Violations of the FCRA by Equifax : Failure to Conduct a Reasonable Investigation ( 611 ) : Equifax has not conducted an adequate investigation into my disputes. 
Failure to Correct or Delete Inaccurate Information ( 611 ( a ) ( 5 ) ) : The inaccurate information on the XXXX XXXXXXXX account remains on my credit report despite evidence provided. 
Failure to Provide Dispute Results ( 611 ( a ) ( 6 ) ) : Equifax has not communicated the results of their investigation within the required 30-day timeframe. 
Unreasonable Documentation Requests ( 611 ( a ) ( 1 ) ) : Equifax has repeatedly requested identification documents unnecessarily, delaying the resolution process. 
Requested Resolution : Conduct a proper and thorough investigation into the disputed XXXX XXXX XXXX, XXXX. account ending in XXXX. 
Remove this inaccurate account frommy credit report immediately. 
Provide me with written confirmation of the resolution and an updated credit report. 
Impact on Me : Equifax 's failure to address this dispute has delayed my ability to secure a mortgage, caused financial harm, and resulted in significant emotional distress. 
I respectfully request your agencys intervention to enforce compliance with the FCRA and hold Equifax accountable for these ongoing violations. Please feel free to contact me at XXXX for any additional information or clarification. 
Thank you for your prompt attention to this matter. 
Sincerely, CFPB IVE HAD ENOUGH IM CONTACTING MY ATTORNEY, ATTONEY GENERALS OFFICE AND GON NA LITIGATION WITH THE COURTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: IL

Complaint narrative:
Misleading borrowers about income-driven repayment plans : XXXX failed to adequately notify borrowers who enrolled in income-driven repayment plans about the requirement to annually recertify their enrollment. Borrowers were not properly notified that submitting an incorrect or incomplete application to recertify their enrollment could lead to an increase in their monthly payments and delay loan cancellation. 
Botching payment processing : Many borrowers had multiple student loans with varying interest rates and monthly payments. When borrowers made payments meant to cover multiple loans, XXXX misallocated payments. XXXX also misapplied payments made to a particular loan. These errors resulted in late fees, interest accrual, and negative credit reporting. 
Harming the credit of disabled borrowers, including severely injured veterans : XXXX tarnished the credit reports of borrowers who had received a discharge on their federal student loans due to a XXXX XXXX XXXX XXXX 
Deceiving borrowers about XXXX requirements for cosigner release : XXXX made representations to private loan borrowers that if they paid down their loans in a certain way, they could apply for their cosigners to be released. But XXXX did not honor those representations for some borrowers. 
Misleading borrowers about improving credit scores and the consequences of federal student loan rehabilitation : For federal student loan borrowers whose loans went into default, XXXX debt collection arm promised credit reporting relief to borrowers if they completed a rehabilitation program. XXXX failed to deliver on all of the promised relief. 

All these things has attributed to a harmful credit score and missed opportunities.

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 2025-01-25 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: IL

Complaint narrative:
Misleading borrowers about income-driven repayment plans : XXXX failed to adequately notify borrowers who enrolled in income-driven repayment plans about the requirement to annually recertify their enrollment. Borrowers were not properly notified that submitting an incorrect or incomplete application to recertify their enrollment could lead to an increase in their monthly payments and delay loan cancellation. 
Botching payment processing : Many borrowers had multiple student loans with varying interest rates and monthly payments. When borrowers made payments meant to cover multiple loans, XXXX misallocated payments. XXXX also misapplied payments made to a particular loan. These errors resulted in late fees, interest accrual, and negative credit reporting. 
Harming the credit of disabled borrowers, including severely injured veterans : XXXX tarnished the credit reports of borrowers who had received a discharge on their federal student loans due to a XXXX XXXX XXXX XXXX 
Deceiving borrowers about XXXX requirements for cosigner release : XXXX made representations to private loan borrowers that if they paid down their loans in a certain way, they could apply for their cosigners to be released. But XXXX did not honor those representations for some borrowers. 
Misleading borrowers about improving credit scores and the consequences of federal student loan rehabilitation : For federal student loan borrowers whose loans went into default, XXXX debt collection arm promised credit reporting relief to borrowers if they completed a rehabilitation program. XXXX failed to deliver on all of the promised relief. 

All these things has attributed to a harmful credit score and missed opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: IL

Complaint narrative:
Misleading borrowers about income-driven repayment plans : XXXX failed to adequately notify borrowers who enrolled in income-driven repayment plans about the requirement to annually recertify their enrollment. Borrowers were not properly notified that submitting an incorrect or incomplete application to recertify their enrollment could lead to an increase in their monthly payments and delay loan cancellation. 
Botching payment processing : Many borrowers had multiple student loans with varying interest rates and monthly payments. When borrowers made payments meant to cover multiple loans, XXXX misallocated payments. XXXX also misapplied payments made to a particular loan. These errors resulted in late fees, interest accrual, and negative credit reporting. 
Harming the credit of disabled borrowers, including severely injured veterans : XXXX tarnished the credit reports of borrowers who had received a discharge on their federal student loans due to a XXXX XXXX XXXX XXXXXXXX. 
Deceiving borrowers about XXXX requirements for cosigner release : XXXX made representations to private loan borrowers that if they paid down their loans in a certain way, they could apply for their cosigners to be released. But XXXX did not honor those representations for some borrowers. 
Misleading borrowers about improving credit scores and the consequences of federal student loan rehabilitation : For federal student loan borrowers whose loans went into default, XXXX debt collection arm promised credit reporting relief to borrowers if they completed a rehabilitation program. XXXX failed to deliver on all of the promised relief. 

All these things has attributed to a harmful credit score and missed opportunities.

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 2025-01-25 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: NJ

Complaint narrative:
Following up for the 5th time checking my transunion credit report. Transunion had failed to provide proper proof of ownership or where there source of info pertaining to a fraudulent account that appears on my credit report XXXX XXXX account # XXXX with a balance of {$5600.00}. 
I am asking that transunion be reviewed for failing to properly investigate fraudulent accounts and disputes. I have submitted identity theft report and police reports with transunion blatant regard to investigate thoroughly

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