vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: CA

Complaint narrative:
I am a victim of XXXX data breach and Identity Theft. Kindly block and delete the account within XXXX business days as required by FCRA 605B, 15 USC 1681c-2. Please see the attached FTC reports and other relevant documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NV

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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:
I am a victim of identity theft and as a result XXXXXXXX XXXX XXXX in the amount XXXX is reporting to credit bureaus. Ive never opened or had an account. Police report, FTC report and proof address and ID attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: CA

Complaint narrative:
I am currently in the XXXX forbearance. I applied to switch from XXXX to XXXX on XX/XX/XXXX, and the application is currently In Review per the XXXX website. I received an email from XXXX on XX/XX/XXXX clarifying that if you submit an application to enroll in an XXXX XXXX other than XXXX but your loan servicer is unable to process your application within XXXX business days of receiving the application you will be moved into a processing forbearance for up to XXXX days, and that this processing forbearance does count towards XXXX. I called Mohela on XX/XX/XXXX and was told that Mohela could not change my forbearance and that XXXX needed to. I chatted with XXXX the same day, and they confirmed that Mohela can and should change the forbearance. Below is a transcript of my chat. 

Any help in changing this forbearance type would be greatly appreciated. 

XXXX ( XX/XX/XXXX, XXXX PM ) : Hi, my name is XXXX. I am reviewing your question and will help you momentarily. 
XXXX ( XX/XX/XXXX, XXXX PM ) : Thank you. 
XXXX ( XX/XX/XXXX, XXXX PM ) : I don't see a question, how can I help? 
XXXX ( XX/XX/XXXX, XXXX PM ) : I am currently on the XXXX forbearance but have applied to switch to XXXX. I received an email from you stating that if my servicer is unable to process my application within XXXX business days, that I would be moved to a processing forbearance that does count towards XXXX. Mohela is refusing to do that, stating that you need to notify them to change the forbearance type. Is that true? 
XXXX ( XX/XX/XXXX, XXXX PM ) : We do not issue forbearances, that is the loan servicer. The time frame I have for XXXX XXXX Repayment plan ( IDR ) application is XXXX days. 
XXXX ( XX/XX/XXXX, XXXX PM ) : Are you familiar with the email I received? What should I tell Mohela? 
XXXX ( XX/XX/XXXX, XXXX PM ) : You can fill a compliant against Mohela, and yes, I have heard of that notice. 
XXXX ( XX/XX/XXXX, XXXX PM ) : So as far as you know, it's correct that Mohela is supposed to switch borrowers from the XXXX forbearance to a processing forbearance withing XXXX business days? 
XXXX ( XX/XX/XXXX, XXXX PM ) : Yes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am writing to file a compliant against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged of charges and credits. This issue aligns with the recent CFPB finding against never federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
XXXXXXXX XXXX XXXX is a debt collector in XXXX who brought suit against me in XXXX XXXX XXXX district court. i did not recognize the orginial creditor nor the amount. i have made multiple attempts to contact the attorney to discuss as i'm representing my case XXXX XXXXXXXX. the company will not allow me to speak with counsel and said i had to discuss legal matters with them. 

i contacted their phone number and attempted to pay the debt ( even though it's not mine ) due to needing to maintain clearance for my employment ( i was only given a month of notice from law suit filing to appearance ). after contacting their number, the phone operator said that i had to pay funds and that they still would proceed with enforcement action against me and mentioned they would garnish my paycheck. 

overall, i feel the company is being deceptive in order to gain a judgement against me no matter what i do. the avoidance of any discussion shows this to be true in my opinion. i'm left with no option but to continue the court case even though XXXXXXXX XXXX XXXXXXXX has accepted payment for the account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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 LOST my wallet along wsith my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with Experian COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Good morning! 

We signed up with Capital One 's XXXX High Performance Savings as they offered a promotion where if you move {$20000.00} and kept it there for XXXX  days, you would receive a {$1500.00} interest bonus. Today, we got our interest bonus and it was only {$300.00}. They stated that it was a tiered offer where if you deposited {$100000.00} then you got the {$1500.00}, but that is not what was on the page when we signed up. There was no mention of a tiered offer neither in the fine print, nor the main page. Basically, I believe they are trying to get out of paying the full bonus. What's interesting to me is that XXXX is suing Capital One right now for shady interest practices. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: VA

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year> I Zelled money ( {$180.00} ) from XXXXXXXX XXXX to Truist bank. The money was received on XXXX however the money was held by Truist and not made available until XXXX. I was going to buy the crypto and my coin skyrocketed. I then receive a fee. This has happened more than once. If XXXX knows the money if from bank to bank what is the problem and why do they keep holding moneys back? Rhetorical- collecting fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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:
On XX/XX/year>, I submitted an identity theft block request under FCRA 605B regarding XXXX XXXX XXXX XXXX 'S unauthorized credit reporting. The credit bureau violated 605B by failing to block this information within the required XXXX business days. I have filed an identity theft report with the FTC documenting this unauthorized use of my identity. 

XXXX XXXX XXXX XXXX created obligations and credit reporting without my permission or authorization. I never had any business relationship with them. Their continued reporting violates my rights under FCRA 605B. I request immediate investigation and removal of this unauthorized reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NY

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: NY

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: AL

Complaint narrative:
Not properly investigated : XXXX 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 explanation
Consumer complaint received 2025-01-23 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: MI

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: TX

Complaint narrative:
I have reported to XXXX and transunion that these are NOT my account and they were fraud and I was requesting information of proof of ownership. They kept verifying my info without providing proof XXXX later. 

Highest Balance {$8500.00} Opened XXXX XXXX, XXXX  ( XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Account information disputed by consumer Account information disputed by consumer Original Creditor Name XXXX XXXX XXXX XXXX Closed No Info Balance {$580.00} Highest Balance {$410.00} Opened XXXX XXXX, XXXX  ( XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Placed for collection Original Creditor Name AT T Closed No Info

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: CA

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that are inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MO

Complaint narrative:
I was a victim of identity theft XX/XX/XXXX. XXXX alert was placed on my credit file and collection was removed. Now the same collection has been placed back on my account XX/XX/XXXX with the same information but another company name.I will be making a police report also regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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:
On XX/XX/year>, I submitted an identity theft block request under FCRA 605B regarding XXXX XXXX XXXX XXXX 'S unauthorized credit reporting. The credit bureau violated 605B by failing to block this information within the required 4 business days. I have filed an identity theft report with the FTC documenting this unauthorized use of my identity. 

XXXX XXXX XXXX XXXX created obligations and credit reporting without my permission or authorization. I never had any business relationship with them. Their continued reporting violates my rights under FCRA 605B. I request immediate investigation and removal of this unauthorized reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Wrote numerous letters to the credit bureaus and sent a copy of my identity theft report to address the unauthorized credit inquiries on my credit report. After many attempts, credit bureaus will not delete the unauthorized injuries even though there is no proof of me making the inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: TN

Complaint narrative:
Wrote numerous letters to the credit bureaus and sent a copy of my identity theft report to address the unauthorized credit inquiries on my credit report. After many attempts, credit bureaus will not delete the unauthorized injuries even though there is no proof of me making the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regardning Zelle 's handling of disputes, particulary in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepencies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds is impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation