vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: VA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: CA

Complaint narrative:
Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protect Bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
On XXXX XXXX at around XXXXXXXX XXXX my husband received a call from Midland Credit Management concerning a debt I have. The caller identified himself as XXXX XXXX, and he started telling my husband all he told him my personal information, that he was trying to collect a debt, the amount owed and that he could be libel. When my husband ask him about privacy for my information, he told him he could that it was perfectly legal to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
I keep getting notifications of missed payments ; but I have not. I have called and messaged. First call ; the representative said I was 2 payments in arrears ; even though I had already scheduled. Today, XX/XX/XXXX, I went on the app and it said I missed a payment due on XX/XX/XXXX?!?!? Used messenger on app; said it was a glitch in system. I also have my loan agreement that says it is late as of the XXXX each month. It has never been scheduled or paid late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: IN

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-12 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: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
I was charged in NSF fee of {$30.00} on XX/XX/scrub>/25 due to having insufficient funds for a XXXX XXXX deduction. This fee levied on my account dropped my balance below the amount to pay the scheduled Bank Of Hawaii XXXX XXXX payment of {$65.00}. Since I did not know about the overdraft fee and thought that I had the money in the bank, I did not know that I had not enough to pay the Bank Of Hawaii loan payment. Bank Of Hawaii charged me {$30.00} for not covering the loan payment but also twice added a {$40.00} charge to the cover check loan. They are earning interest on this cover check loan as well as charging me fees. 


I have another two loans with Bank Of Hawaii. When the money is not in the account to make the scheduled transfer, they do not charge me an overdraft fee. I have called Bank Of Hawaii XX/XX/year>25 to ask why the loan charged me an nsf fee when that's not the policy for their flex line loans. They were not able to provide this information and said that a customer service person would call me back but they never have. 

Charging fees that trigger additional fees without notifying me first does not make makes sense. 

The customer service agent I spoke to said that they can charge up to five fees a day per client per account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Robinson & Hoover
State: OK

Complaint narrative:
I got car loan in XXXX balance was {$1200.00} that was owe the motor blew up. The car at garage not sure if they pick it up. Its been over XXXX that the lawyer everytime get job the garnish check. I ask to settle tge attorney said his client wanted over {$7000.00} XXXX. The lawyer has been corrupted because they go each time get employ open case up in XXXX XXXX XXXX. They said in XXXX it was {$21000.00} and now attorneys saying its {$14000.00} with all court fees and lawyer. 
I have not been working on Social Security and before filed was on XXXX XXXX XXXX. Can someone help me this been over twenty years. I tried get legal aid but they not accepting anyone. My income monthly {$900.00} Social Security and started working 40 hours monthly and thats XXXX XXXX monthly every two weeks {$500.00} and they trying get 21 % if that now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions 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 uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding an entry on my credit report that I believe is a case of mistaken identity or fraudulent activity. The debt is listed under Portfolio Recovery, with an outstanding balance of {$2000.00}, and is reported as originating in XX/XX/XXXX. However, I have not opened any credit cards, loans, or made any transactions related to this debt, and I am not aware of any reason for this debt to be attributed to me. 

I have received multiple calls from Portfolio Recovery but have not been provided with specific details about the debt, such as the original creditor or any documentation to verify its validity. Despite requesting more information and asking for validation, I have not received any substantial clarification or proof of the debt 's legitimacy. 

Timeline of Events : XX/XX/XXXX Reviewed my credit report and noticed the debt entry. I do not recognize any transactions or credit accounts tied to this debt. 
XX/XX/XXXX Received multiple calls from Portfolio Recovery regarding this debt. 
XX/XX/XXXX Spoke with a representative from Portfolio Recovery, who verified my personal information but failed to provide any details or documentation about the debt when requested. 
XX/XX/XXXX Reviewed my credit report again and found the debt listed, but I still do not recognize any transactions or credit accounts tied to it. 
I believe this debt may be a case of mistaken identity or fraudulent activity, as I have not opened any credit accounts in the period mentioned, and there is no other explanation for this debt to be reported in my name. 

I kindly request that the CFPB investigate this debt and verify its legitimacy. If the debt can not be properly verified, I request that it be removed from my credit report. 

Thank you for your assistance in addressing this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX 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 2025-03-12 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX 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 explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protect Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I contacted SoFi banking about my interest rate payment being too low for the mont of XXXX. I am owed about {$20.00} in APY interest and only received {$5.00}. The APY is 3.80 % and I had about {$6700.00} in my savings. 

I contacted the company on XXXX separate occasions and even got a breakdown of the APY owed on my account for the month which shows that I was underpaid. 

Each agent kept putting me off to the next and my issues has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On approximately XX/XX/XXXX, I requested to close one of my checking accounts with Chase Bank, and transfer the funds to another checking account that I hold with Chase Bank. This communication was done via the bank 's online messaging system. Instead of transferring the funds to another checking account, Chase mailed a check to me, and the check was never received. I told the bank that the check was never received, but the only thing customer service reps could do over the phone was to escalate the matter internally to mail a new check. I went to a local branch, and the local branch put a stop payment on the check previously mailed. However, they could not transfer the funds into an existing checking account. I was informed by the local branch that someone from the " back office '' would call me to figure out what to do next. My consistent request has been to transfer the funds into the account that I continue to maintain with the bank. It has been two days, and I have received no phone call from Chase. In addition, no one at the local branch can do anything to help me, and there does not appear to be any incentive on Chase 's part to resolve this issue. At this point, the funds from my closed account are not reflected anywhere on my online accounts, and I have no idea how the bank is accounting for them or ensuring that they will eventually make their way into my account. It has been approximately one month since I have had access to these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed that your company is reporting an account associated with XXXX XXXX XXXX ( Account # XXXX ) with a balance of {$1900.00}. I am disputing the validity of this balance, as any outstanding amount I had with XXXX XXXX XXXX was settled directly with them and did not reflect this amount. Under 15 U.S.C. 1692e ( 2 ) ( A ) of the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to misrepresent the amount, character, or legal status of a debt. Your company has reported inaccurate and unverifiable information to the credit bureaus, and your failure to provide proper validation confirms that this debt is not legally enforceable. 

Since you did not provide : Historical billing records or payment history for this account. 
A copy of the original contract or promissory note outlining fees, interest rates, and penalties. 
Proof of assignment from XXXX XXXX XXXX authorizing your company to collect on this debt. 
Documentation showing the amount for which this debt was purchased. 
I am now demanding the immediate removal of this account from all consumer reporting agencies. Your continued reporting of an unverified and inaccurate debt is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the FDCPA, and failure to remove this account will result in further action, including formal complaints to the FTC, and my state Attorney Generals office. 

This letter serves as my final notice before pursuing legal remedies. I expect written confirmation of the deletion of this account within 14 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
NOTABLE INFORMATION : VA 30 YEAR FIXED LOAN. XXXX PROPERTY TAXES ( I AM EXEMPT ). XXXX XXXX PAID VIA ESCROW. 

IN XXXX OF XXXX I SUBMITTED VIA MY ONLINE PORTLE MY TAX EXEMPTION PAPERWORK FROM XXXX XXXX OF XXXX. 

IN XXXX OF XXXX FREEDOM MORTGAGE PAID OVER {$5700.00} IN " TAXES OWED '' TO THE CITY OF XXXX. 

AFTER HOURS ON THE PHONE WITH BOTH THE CITY OF XXXX AND FREEDOM MORTGAGE IT WAS FOUND THAT THE CITY TREASURY SHOULD NOT HAVE REQUESTED PAYMENT. 

FREEDOM MORTGAGE WAS MADE AWARE OF THIS. 

FREEDOM MORTGAGE THEN PAID A HOMEOWNERS INSURANCE PRICE RATE INCREASE WITHOUT MY KNOWLEDGE ( XX/XX/XXXX ). I WAS ACTIVELY IN CONTACT WITH XXXX XXXX INSURANCE ATTEMPTING TO RESOLVE THIS ISSUE MYSELF AS FREEDOM MORTGAGE SENT THEM FUNDS. 

MOVING FORWARD, IN XXXX OF XXXX I RECEIVED A NOTICE THAT MY MONTHLY MORTGAGE WOULD INCREASE BY {$750.00} PER MONTH. ONCE I SAW THE NOTICE ( XXXX ) I CALLED AND ASKED WHY. IT TOOK OVER XXXX HOURS OF GETTING TRANSFERRED AROUND BEFORE SOMEONE COULD EXPLAIN WHAT HAPPENED. 

IN AN EFFORT TO NEVER HAVE THIS ISSUE AGAIN, I REQUESTED TO HAVE MY ESCROW ACCOUNT CLOSED ( XXXX ). THIS REQUEST WAS DENIED WITHOUT ANYONE EVER INFORMING ME. 

ON XXXX XXXX FREEDOM MORTGAGE SENT ANOTHER {$2400.00} TO THE CITY OF XXXX FOR TAXES OWED. 

XXXX XX/XX/XXXX I RECEIVED A NOTICE OF THIS ADDITIONAL TAX PAYMENT OF {$2400.00} ( IN WHICH I AM EXEMPT AND FREEDOM MORTGAGE HAS BEEN MADE AWARE OF MULTIPLE TIMES ). I WAS ON THE PHONE FOR OVER XXXX HOURS AND NEVER ABLE TO TALK WITH SOMEONE ABOUT CANCELING THE CHECK THAT WAS SENT ON THE XXXX OF XXXX AND CLOSING MY ESCROW ACCOUNT. 

FREEDOM MORTGAGE HAS MISMANAGED MY ESCROW ACCOUNT IN THE AMOUNT OF APPROXIMATELY {$10000.00} IN 90 DAYS!!!!!! THEY HAVE INCREASED MY MORTGAGE APPROXIMATELY {$750.00} A MONTH!!!! 

WHEN I ASK TO SPEAK WITH A SUPERVISOR I AM TOLD THAT I WILL HAVE TO GET A CALL BACK. I HAVE ASKED FOR CONTACT NAMES, ID # S, EMAIL ADDRESSES AND PHONE NUMBERS AND I WAS DENIED MULTIPLE TIME. THEY WOULD ONLY PROVIDE ME THE STANDARD 1855 NUMBER AND THE FIRST NAME OF SUPERVISORS. WHEN I REQUESTED FULL NAMES AND ID # S THEY WERE EVENTUALLY PROVIDED HOWEVER EMAIL ADDRESSES AND DIRECT CONTACT PHONE NUMBERS WERE DENIED ON MULTIPLE OCCASIONS. 

THIS IS COMPLETELY UNACCEPTABLE. THIS IS MY ACCOUNT THAT THIS COMPANY IS USING TO EXTORT ME TO THE TUNE OF {$10000.00} AS THEY SEE FIT. I HAVE NO CONTROL OVER MY OWN ACCOUNT WHICH IS COMPLETELY UNACCEPTABLE. I WOULD LIKE THIS RESOLVED, TO BE REIMBURSED, AND FOR MY ESCROW ACCOUNT TO BE CLOSED SO FREEDOM MORTGAGE CAN NEVER DO THIS TO ME AGAIN. 

IF THE INTEREST RATES WERE LOWER I WOULD BE REFINANCING IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: NJ

Complaint narrative:
I am writing to formally report that I have fallen victim to identity theft as a result of the Equifax data breach. Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate blocking and removal of all fraudulent items that have appeared on my credit report due to this breach. 

Pursuant to my rights under this statute, I have included all necessary supporting documentation, including a copy of my FTC Identity Theft Report and any relevant police report. Please take prompt action to ensure these unauthorized accounts or transactions are removed from my credit file immediately. 

I expect confirmation of these corrections in writing as soon as possible.

Company response to consumer: Closed with explanation