vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-13 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my consent. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX  - Opened XX/XX/XXXX With a balance of {$2600.00} Account number XXXXXXXX XXXX XXXX XXXX Opened XX/XX/XXXX With a balance of {$460.00} Account number XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$15000.00} Account number XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
On XX/XX/XXXX I closed and moved into the XXXX with plan to renovate and quickly sell XXXX home. This new XXXX  home was financed with a VA mortgage loan from Navy Federal Credit Union ( NFCU ). 

In XX/XX/XXXX I lost employment from a XXXX XXXX XXXX XXXX contract which caused financial problems having ownership of two homes, one in XXXX  and one in XXXX Since XX/XX/XXXX I have been working to make payments for my VA mortgage loan with Navy Federal Credit Union. After many attempts to complete needed renovation, I was unsuccessful in selling older XXXX home, then decided instead to sell the new construction home in XXXX. 

My first assistance from NFCU was for a special payment plan to catch up with three consolidated payments. NFCU made this payment plan extremely difficult by not making it available online, repeated request for legal paperwork, sending of incorrect paperwork. While this special payment plan was active NFCU continued to report late payment to credit bureaus even after I completed all payments. 

After the negative experience with NFCU special payment plan, in XX/XX/XXXX I decided the best course of action was to sell the new construction home in XXXX. I moved back to XXXX home which was still under renovation for future sale. I contracted with a Realtor for MLS listing and notified NFCU with repeated applications for mortgage assistance. After 30 days of listing it became clear that the VA mortgage loan was overpriced to depressed real estate market. In XX/XX/XXXX I repeated another mortgage assistance application for approval to Short Sale or Deed-in-Lieu the home. 

Since then NFCU has stalled and delayed its response : 1 ) sent information packets to wrong address, 2 ) sending repeated information packets, 3 ) no emails for processing, 4 ) no letters or phone calls for processing, 5 ) no actual attempts to resolve the sale of my home, 6 ) continued negative reporting of loan. Despite my many attempts for three months NFCU has sent the same letters over and over " asking for mortgage alternatives '' knowing I have applied for Short Sale or Deed-in-Lieu.

1. NFCU continues to DELAY AND STALL to resolve my VA home.

2. NFCU has NOT done the market value appraisal for Short Sale.

3. NFCU has NOT contacted Me or Realtor with short sale prices.

4. NFCU has NOT provided me transfer paperwork for Deed-in-Lieu.

5. NFCU has NOT provided me contract paperwork for Short Sale.

6. NFCU has NOT processed any assistance forms for loan resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed that I have a fraudulent account on my report. Please remove this account from my credit report, as it is hindering my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: WI

Complaint narrative:
At the beginning of last year, Fortiva sent me a credit card that I never requested. I didn't activate it since I didn't ask for it, so I just let it expire and thought that was it. Out of nowhere, last month I got an email that I'm getting charged {$27.00} despite me never activating or using the card. I sent an email to the company telling them to close my account but they didn't do it. Now I'm getting charged the same amount this month. 

I don't even know what I'm getting charged for. If this is some annual fee or if I'm getting fraudulently charged. They don't allow you to cancel the credit card or your account from their website. I ended up erasing my bank information from my Fortiva account so they can no longer take money from me. I don't even care about the money they already stole from me, I just want to get rid of them. 

Thank you and I hope you can assist 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 2025-04-13 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: GA

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were made without my consent. The following accounts are fraudulent and need to be removed from my credit report. XXXX XXXX - Opened XX/XX/XXXX With a balance of {$460.00} Account number : XXXX XXXX XXXX  XXXX - Opened XX/XX/XXXX With a balance of {$2600.00} Account number : XXXX XXXX - Opened XX/XX/XXXX With a balance of {$15000.00} Account number : XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and 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 2025-04-13 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: FL

Complaint narrative:
I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I want my credit report to only reflect accurate information, which is why its important all data is verified. These inaccurate items are in pending litigation due to reporting errors on my report. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ).

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 2025-04-13 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: PA

Complaint narrative:
I am writing to formally dispute inaccurate information currently listed on my credit report maintained by TRANSUNION. These entries have not been validated, certified for accuracy, or physically verified. 

Upon reviewing my credit file, I identified potentially incorrect and questionable remarks that appear to lack proper verification. As a consumer, I am exercising my rights to request the immediate removal of these items in compliance with both federal and state consumer protection laws. This letter also serves to confirm whether your reporting practices align with the Fair and Accurate Credit Transactions Act ( FACTA ), Title 1, Section 151, which sets clear guidelines for proper verification procedures. 

This is the account in question : XXXX XXXX XXXX Balance : {$14000.00} Date Opened : XX/XX/year>

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 2025-04-13 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: PA

Complaint narrative:
I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I want my credit report to only reflect accurate information, which is why its important all data is verified. These inaccurate items are in pending litigation due to reporting errors on my report. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ).

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 2025-04-13 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: MS

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
Please forward me an updated credit report after you have completed your Investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. 
XXXX  XXXX Account number : 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 2025-04-13 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: PA

Complaint narrative:
I am writing to formally dispute inaccurate information currently listed on my credit report maintained by EXPERIAN. These entries have not been validated, certified for accuracy, or physically verified. 

Upon reviewing my credit file, I identified potentially incorrect and questionable remarks that appear to lack proper verification. As a consumer, I am exercising my rights to request the immediate removal of these items in compliance with both federal and state consumer protection laws. This letter also serves to confirm whether your reporting practices align with the Fair and Accurate Credit Transactions Act ( FACTA ), Title 1, Section 151, which sets clear guidelines for proper verification procedures. 

This is the account in question : XXXX XXXX XXXX Balance : {$14000.00} Date Opened : XX/XX/year>

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 2025-04-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: NY

Complaint narrative:
Hi I dont get why this company wont allow me to have a account when I never had it never did Serivce with them before

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: GA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

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 non-monetary relief
Consumer complaint received 2025-04-13 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: FL

Complaint narrative:
I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I want my credit report to only reflect accurate information, which is why its important all data is verified. These inaccurate items are in pending litigation due to reporting errors on my report. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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:
I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I want my credit report to only reflect accurate information, which is why its important all data is verified. These inaccurate items are in pending litigation due to reporting errors on my report. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ).

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 2025-04-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally dispute inaccurate information currently listed on my credit report maintained by EQUIFAX. These entries have not been validated, certified for accuracy, or physically verified. 

Upon reviewing my credit file, I identified potentially incorrect and questionable remarks that appear to lack proper verification. As a consumer, I am exercising my rights to request the immediate removal of these items in compliance with both federal and state consumer protection laws. This letter also serves to confirm whether your reporting practices align with the Fair and Accurate Credit Transactions Act ( FACTA ), Title 1, Section 151, which sets clear guidelines for proper verification procedures. 

This is the account in question : XXXX XXXX XXXX Balance : {$14000.00} Date Opened : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SOFI TECHNOLOGIES, INC.
State: LA

Complaint narrative:
Someone stole my purse from my vehicle and it had my phone, wallet and cards inside. Someone also accessed my phone when it was stolen becausXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to my phone so I dont have a password and it was unlocked. Also my card pin was stored inside my phone. Someone accessed my banking account and card information and made a lot of unauthorized transactions on it. I tried disputing with my bank and gathering supporting documentation to help with my dispute but my bank denied me. So I appealed the decision and they denied my appeal as well. {$660.00}. XXXX was stolen that day and Im at risk of being homeless because that money was for my rent. I reported all of this information to my bank which is SOFI and they still denied everything. Also I previously filed a dispute with SOFI before for another reason because my card was stolen when I was hospitalized one time due to a car accident and they resolved that dispute and credited my funds back but now they are saying that no error occurred with that dispute either and they said the credits that they applied were gon na be reversed back and my bank account will go into a negative balance and I dont understand that because I was in the hospital the entire time recovering and had no idea that money was being stolen from me. I will upload screenshots of the email they sent me saying that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: MS

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. 
XXXX XXXX XXXX XXXX : acct # : 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 2025-04-13 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: MS

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. 
XXXX XXXX XXXX XXXX : acct # : 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 2025-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
Mohela student loans changed website and my autopay did not go through ruining my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: TX

Complaint narrative:
I previously send a complaint through the CFPB portal regarding bankruptcies on my credit profile and instead of Equifax sending me that information or verifying that information from the original source ( Bankruptcy court ) they on XX/XX/year> sent me a letter stating they needed my social security card and the current utility bill. 

They are stalling because on the last complaint through the CFPB I send that information alone with the complaint and letter.

Company response to consumer: Closed with explanation