vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am just finding out that the XXXX I attended was part of the lawsuit with Navient and fraudulent tactics that I am sure I was part of. I attended XXXX XXXX XXXX XXXX from XXXX until graduation XXXX. I have several loans via Navient/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Love, Beal & Nixon, P.C.
State: OK

Complaint narrative:
This was not charged off in bankruptcy but that was the closest choice option. My debt was XXXX in the class action lawsuit XXXX v XXXX. Private loan companies are still trying to collect on these loans that were originally disbursed to the XXXX XXXX, which was part of the suit. They are giving me no options for this. The only option is to pay the full amount. I am being sued by XXXX XXXX XXXX for XXXX Funding but the original creditor was XXXX XXXX XXXX. I have filed a dispute with XXXX and they denied it. 
I am currently unemployed as a FT caretaker for my grandmother.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This inquiry was made without my consent ; I did not interact with the lender on that date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: MS

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 non-monetary relief
Consumer complaint received 2025-04-21 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have power of attorney for my uncle. His bank is the awful Wells Fargo. I sent the bank a newly prepared POA and asked them to close my uncle 's CD and move funds to my uncle 's checking account at the same awful bank. They denied my request saying the power of attorney language is too old. This is nonsense. It is accepted by everyone else. It was prepared by my uncle 's attorney and notarized just last week. At every turn this awful bank has denied my uncle his cd funds. Twice during prior rollovers they ignored prior written directions to not roll the CD over and move the funds to the checking account. This is XXXX XXXX XXXX veteran who needs the money to pay bills so he doesn't get thrown out on the street! 
PLEASE HELP MY UNCLE!!!

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 2025-04-21 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: EQUIFAX, INC.
State: WY

Complaint narrative:
On XX/XX/year>, I submitted a full dispute package to Equifax via First-Class Mail. It included : - A detailed dispute letter outlining errors in my credit file. 
- Proof of my identity and address ( drivers license, utility bill, etc. ). 
- A secure digital link to additional supporting documents. 
- Clear explanation of the incorrect data and how to resolve it. 
I have attached a copy of the letter that was sent out. However, I recently received a response from Equifax dated XX/XX/year>, stating they have no record of me in their files and requesting I re-send copies of my sensitive identity documents ( including Social Security card and driver 's license ) via regular mail. 
This is not only redundantsince these were already providedits highly insecure, especially considering I had already supplied a more secure, digitally accessible method for document verification. 
Equifaxs mishandling of this dispute is delaying the correction of serious errors on my credit report and is actively harming my financial well-being. I followed all legal requirements for submitting a dispute, yet they have failed to acknowledge or process it. Their claim that no record of me exists is completely false, as proven by my mailing receipt ( attached ). 
I am requesting immediate corrective action and regulatory intervention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: CA

Complaint narrative:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through XXXX. 

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency.

Let me be clear : This is your final notice. You are in violation of federal law by continuing to report and verify accounts that were opened fraudulently and which I have already disputed with appropriate documentation. 

If I do not receive confirmation within 15 calendar days that these accounts heve been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : 1.File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General.

2.Initiate legal action for your violations of FCRA Section 617 and for any damages sustained as a result of your unlawful reporting and failure to investigate.

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. 
XXXX XXXXXXXX

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 2025-04-21 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: IL

Complaint narrative:
I just noticed a credit inquiry from a company Ive never dealt withand I definitely never gave them permission to pull my credit. I didnt apply for anything with them, and I have no idea why they accessed my 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 2025-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
i paid off the credit card never received a pay off statement. I did call and they confirmed payment. they stalled me and kept stalling me about pay off statement. I filled a complaint with XXXX  of XXXX, filed a complaint with XXXX XXXX XXXX and then I filed a complaint with XXXX  Consumer Affairs. I spoke with a XXXX at usaa and he confirmed that he seen a payment and he needed to check where is my statement showing paid bill. Beginning of this year start of madness all over. XXXX  Attorney General office said that they had reached out to USAA several times and had seen no reply. I did not make those charges. I sent through XXXX  Consumer Affairs a receipt from ATM a XXXX balance and then XXXX days later a receipt with a balance over {$1200.00} XXXX asked them to show me where those purchase were made. USAA ignored me. USAA customer service is horrible. as much money as USAA makes why aren't there any satellite stores to meet with a person face to face this ID Theft and hacking is bringing havoc on consumers.

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 2025-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA
State: NC

Complaint narrative:
Someone opened a student loan in my name and use a different address for a different city and phone number for a different city

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical-Commercial Audit Inc
State: IL

Complaint narrative:
I am filing a complaint against a debt collector, XXXX XXXX XXXX, for misreporting a medical debt on my credit report. The debt in question originates from a clinical/medical visit but is being reported as a retail collection, which is inaccurate and misleading. 

According to CFPB and industry guidance : Medical debts under {$500.00} should not be reported. 
Paid medical debts should be removed from credit reports. 
Furnishers must report medical debts as medical, not retail or other categories. 

This misclassification is harming my credit profile and may violate the Fair Credit Reporting Act. I am requesting an investigation and that this item be removed or corrected immediately.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I was in a no fault accident in my leased 2024 Hyundai Tucson in XXXX. I was told that XXXX paid off my vehicle and that nothing else was owed. This was confirmed by a recorded message from XXXX saying that my balance was {$0.00}. Since then, I have been getting harassed by XXXX XXXX trying to collect over {$700.00} in payments, but I have not received any bills in writing. I have been asking for an itemized paper bill, with no success, and just asked for an itemized email that was also not sent. I'm now being told that I'm going to be sent into a penalty phase.

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 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I deposited a check, after this I haven't been able to access to my account.

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 2025-04-21 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: MA

Complaint narrative:
In XXXX of XXXX I purchased a car and learned from the finance director that my mortgage was listed as being delinquent. My FICO scores between Experian and Transunion were off by over XXXX points. 
I then discovered that my mortgage from XXXX XXXX XXXX had not reported to the credit bureaus for 42 months. 
The last late mortgage payment was on XXXX of XXXX. YET, Experian has continued to report my mortgage as delinquent. 
In XXXX of XXXX, I proceeded to file a dispute with my mortgage holder with all 3 major credit bureaus. Over the course of 45 days, all 3 bureaus were updated reflecting that my mortgage was paid on-time since XXXX of XXXX. 
Experian continues to report to any credit granting companies that my loan is delinquent. 
This has caused me great financial harm in the form of denied credit and higher interest rates. 
I called Experian and spoke with a representative in XX/XX/XXXX, and was told that the DELIQUENT status will stay on my credit report until XXXX. 
This is from the credit reporting agency NOT from the mortgage holder.

This is a systematic and deliberate INTERNAL attempt by Experian to artificially keep my credit FICO score depressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: MA

Complaint narrative:
In XXXX of XXXX I purchased a car and learned from the finance director that my mortgage was listed as being delinquent. My FICO scores between Experian and Transunion were off by over XXXX points. 
I then discovered that my mortgage from XXXX XXXX XXXX had not reported to the credit bureaus for 42 months. 
The last late mortgage payment was on XXXX of XXXX. YET, Experian has continued to report my mortgage as delinquent. 
In XXXX of XXXX, I proceeded to file a dispute with my mortgage holder with all 3 major credit bureaus. Over the course of 45 days, all 3 bureaus were updated reflecting that my mortgage was paid on-time since XXXX of XXXX. 
Experian continues to report to any credit granting companies that my loan is delinquent. 
This has caused me great financial harm in the form of denied credit and higher interest rates. 
I called Experian and spoke with a representative in XX/XX/XXXX, and was told that the DELIQUENT status will stay on my credit report until XXXX. 
This is from the credit reporting agency NOT from the mortgage holder.

This is a systematic and deliberate INTERNAL attempt by Experian to artificially keep my credit FICO score depressed.

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 2025-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
I have disputed four charges ( XXXX, XX/XX/XXXX, and XXXX, XX/XX/XXXX ) from * XXXX  XXXX to my Apple Card -- each was {$270.00} totaling {$1100.00}. * XXXX XXXX could not substantiate the basis of the charges when I spoke with them in XXXX when I disputed the charges with Apple Card ( Goldman Sachs ). Yet XXXX has not resolved the issue, and I'm having to fight it. I was not physically present when the charge was made. I didn't notice the fraudulent charges until XX/XX/XXXX. I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: FL

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-04-21 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Late payment from XX/XX/year> This payment was reported late and was only XXXX days late. Ive wrote a letter to navy to get this corrected. No response and Ive wrote them twice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Citi bank de-activated my saving account without notice. I did not receive any notifications such as letters/emails/phone messages, even though I have those in place in my on-line account. 
Please note in my on-line account I also have a couple of credit-card accts, which are all up-to-date and 0-blanced, I don't know how they made a judgement that only my Savings account should be deactivated!?

Now they require me to send back ( paper documents related to ) my personal ID proofs with notarized signature letter which would cause me time and money. 
I asked to resolve it over the phone ( since it is existing account ), but they refused. 
I checked and asked that they don't have any bank branches that I can go to in person, within XXXX miles!!! 

I called them 4 times in total of XXXX hours, no help!!! Only ( the representative ) threatening to send MY MONEY to government!!! This is illegal and rip off! They can get sued by that!

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