vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: DC

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

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 2025-03-13 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: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX  Subject : Dispute of Account Civil Liability for Negligence Under 15 U.S. Code 1681o To Whom It May Concern, I am writing to formally dispute the validity of the account. It is inaccurate and in violation of my rights under the Fair Credit Reporting Act ( FCRA ) due to negligence and non-compliance with federal regulations.

Under 15 U.S. Code 1681o, you may be held civilly liable for negligent non-compliance if : 1. The reported information is inaccurate, outdated, or unverifiable. 
2. You have failed to properly investigate the dispute and provide sufficient validation of the debt.

3. You have continued to report the account without proper verification, harming my financial standing.

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 2025-03-13 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: American First Finance, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX XXXX XXXX XX/XX/year> Subject : Dispute of Account Civil Liability for Negligence Under 15 U.S. Code 1681o To Whom It May Concern, I am writing to formally dispute the validity of the account. It is inaccurate and in violation of my rights under the Fair Credit Reporting Act ( FCRA ) due to negligence and non-compliance with federal regulations.

Under 15 U.S. Code 1681o, you may be held civilly liable for negligent non-compliance if : 1. The reported information is inaccurate, outdated, or unverifiable. 
2. You have failed to properly investigate the dispute and provide sufficient validation of the debt.

3. You have continued to report the account without proper verification, harming my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I recently purchased a product at Best Buy store.

The cashier asked if I wanted to apply for a Best Buy Card at which time I told him No.

Somehow he submitted the form.

To my surprise I received a letter from Best Buy stating that I was denied based on incomplete information on application. 
I DID NOT APPLY FOR A STORE CREDIT CARD.. THEY DID THIS WITHOUT MY CONSENT. 
THIS NEEDS TO BE REMOVED FROM MY CREDIT REPORT THANK YOU

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 2025-03-13 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/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 2025-03-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TN

Complaint narrative:
XXXX. XXXX, XXXX # XXXX amount XXXX dollars, this started in XXXX and was resolved around XXXX. Now is back on XXXX credit report with a new open date of XX/XX/XXXX, I was not in the states at this time, they either have the wrong person or changed the date

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 2025-03-13 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: MO

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: NY

Complaint narrative:
Today I contacted navy federal and was transferred to a special department to handle this matter. The supervisor I spoke with could not give me any valid reasoning or information to why only 1 fee was deemed eligible for return to my account and the previous 7 were not deemed eligible in Navy federal eyes. navy federal has taken it upon themselves and issued one fee on XX/XX/XXXX, XXXX this is the only fee the supervisor from navy federal said was eligible i asked what make this eligible and not the other 7 that happened repeatedly this she could not answer. back in XX/XX/XXXX navy federal decided to charge my account with XXXX fee XXXX and a fee of XXXX i called navy federal on the day of XX/XX/XXXX to try and under why was i charged when funds were in my account at the moment, and they delayed the transaction until funds were then lower at times navy federal took 3-5 business days for one transaction to be posted. the representative i spoke with earlier today on XX/XX/XXXX could not give me any reasoning to understand why these fees were not eligible in navy federal eyes sated that the review timing for any fees were 60 days, and we had crossed that threshold for these to be reviewed i brought to her attention that they should have on file that when these fees accrued i did in fact call and spoke with a supervisor back in XXXX and they told me at that moment there is nothing they can do about these fees since then i stop using navy federal due to these unfair reasoning few months later they admitted to the public they indeed have be charging there customers with unethical fees and acts but today on our call they gave me the same excuse they did back in XX/XX/XXXX that there is nothing that they can do about this in total navy federal charged me XXXX in fees in a short 3 month period. the supervisor i spoke with today tried to justify generally that the only fee navy federal deemed returnable was a fee back in XX/XX/XXXX but had no exact reasoning why this fee was returnable, and the priors were not. it seems they tried to settle only one fee sat minimum and give a excuse on the rest to save themselves money on what they took from me as i stated before this is unfair practice for a bank and the supervisors and call reps just gives automated answers on behalf of navy f federal no exact reasoning for their decisions and actions and i as the customer can do nothing about it and just lost XXXX of dollars

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 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
My daughter had her XXXX account hacked and she called a customer service number that was accessed by the hackers who then accessed multiple financial apps on her phone. They accessed her Venmo account which they then made fraudulent charges between her account and ours. The charges were made between XX/XX/XXXX thru XX/XX/XXXX. The charges were {$1300.00}, {$92.00}, and {$490.00}. She disputed them with Venmo and her bank and now Venmo is trying to get me to pay them. I have filed a dispute with them, frozen my account and will be contacting my bank today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: MD

Complaint narrative:
Security breech. XXXX XXXX accessed my private information without consent. FERPA violation.

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: OneMain Finance Corporation
State: CO

Complaint narrative:
Foursight Capital began reporting an 8 year old auto debt to my credit report on XX/XX/XXXX when DOGE started messing around with the CFPB. The date of last payment on this loan is XX/XX/XXXX, so it is well past the statute of limitations and has never previously appeared on my credit report. They are also incorrectly reporting the date of last payment as XX/XX/XXXX. It made my XXXXredit score drop significantly. I want it removed immediately for past statute reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-03-13 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: FL

Complaint narrative:
According to 15 U.S.C.1681, I have a legal right to privacy and accuracy regarding my financial data. Specifically:15 U.S.C.1681 Section 602 ( a ) affirms my right to financial privacy. 15 U.S.C.1681 Section 604 ( a ) ( 2 ) states that accounts can not be reported without explicit written authorization. 15 U.S.C.1681c ( a ) ( 5 ) prohibits reporting adverse information older than seven years ( except criminal convictions ). 15 U.S.C.1681s-2 ( a ) ( 1 ) requires furnishers to ensure all reported information is accurate. Given these legal protections, I request a thorough review of the disputed items. If they can not be substantiated with proper documentation, they should be removed immediately. Please provide written confirmation of your investigation and any corrective actions taken

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 2025-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
On XX/XX/XXXX my mortgage was transferred from XXXXXXXX XXXX company to Shellpoint mortgage servicing. When I refinanced my loan from XXXX to Shell point through my lender, I was obligated to pay all taxes, interest, principle and insurance upfront for the year of XXXX. My first payment to Shell point mortgage servicing was on XX/XX/XXXX. I called to inquire on XX/XX/XXXX about the escrow being removed, as it has already been paid upfront at closing. I didnt receive a straight answer so I then called again on XX/XX/XXXX. The woman that I spoke with told me they withhold the escrow from the consumer for up to XXXX years, and my only option was a handwritten letter with all the information regarding the loan and the escrow being removed with my signature, and that I would have to take a picture of the letter and send it to XXXX. I did as instructed and tried multiple times and got an automated email back saying the delivery was incomplete. She told me this was the only way I would be able to have a chance but she doubted it at getting this escrow removal resolved. Ive gotten nowhere with this issue and I would like it resolved. I feel as though they are are pushing me off and disregarding my requests and giving me incorrect information and incorrect email accounts on their end. Ive never heard or had this problem with any other mortgage company and I work with many, as I have multiple properties with residential and commercial loans.

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 2025-03-13 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: MS

Complaint narrative:
I have entered multiple disputes with Experian for incorrect reporting that they state they found to be valid yet they refuse to show me or tell me the method they used to validate the inaccuracies on my credit report which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: MS

Complaint narrative:
I have entered multiple disputes with Experian for incorrect reporting that they state they found to be valid yet they refuse to show me or tell me the method they used to validate the inaccuracies on my credit report which is illegal.

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 2025-03-13 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-03-13 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: Experian Information Solutions Inc.
State: FL

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