vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Your Name XXXX XXXX Your Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX City, XXXX, ZIP Code Phone Number XXXX Email Address XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Experian Disputes Department, Subject : Dispute of Credit Report Entry I am writing to formally dispute an item listed on my credit report. After reviewing my credit report, I noticed the following inaccurate information : Account Name : [ Midland Credit Management ] Original Creditor [ XXXX XXXX XXXX  XXXX. 
Account Number : [ XXXX ] Original Balance [ XXXX ] Date of Entry : [ XX/XX/XXXX ] The reason for my dispute is : [ " The account is not mine During year XXXX I was living in XXXX XXXX XXXX XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX This card was sent to the Address XXXX XXXX XXXX XXXX XXXX In XXXX / This Address is not mine " ] I request that you investigate this matter and correct any inaccuracies in my credit report. Please inform me of the results of your investigation and provide an updated copy of my credit report once the correction has been made. 

Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
I've received a letter from SoFI saying my insurance is not up to date and that they will pre-purchase insurance for me if I do not update my policy on their website. SoFI is in charge of my escrow which pays my insurance company and is very well aware of whether or not my insurance policy is up to date. I believe SoFI is attempting to have me miss this information and charge me for insurance I don't need so they can increase their profits. I haven't had this issue previously with SoFI, and have had this mortgage with them since 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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 just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2025-01-27 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: TX

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2025-01-28 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:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
I rented from a property ( XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX MI ) in 2023, and I moved from the residence in XXXX of 2023 with my sister after being diagnosed with XXXX XXXX. In which the state of Michigan helped me pay them rent in the amount of {$8200.00} while I went through my treatment. The property continued to bill me staying there until XXXX of 2023 saying that I allegedly owed them {$6500.00}. Since being in XXXX  I've finally decided to move out on my own just to find out that this alleged {$6500.00} was reported to the National Credit Systems credit reporting agency with a XXXX XXXX XXXX XXXX XXXX. The lady named XXXX that I spoke to emailed me the rent ledger so that I could look over it as well as a letter that I never received that was mailed to the address that I moved from, which makes no sense considering I wasn't living there and had moved out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: FL

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 available funds. I believe these practices are unfair and request an investigation into my 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 2025-01-27 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: WI

Complaint narrative:
XXXX 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 Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, 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 XXXX has neither corrected nor removed disputed items despite the evidence I I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX '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 non-monetary relief
Consumer complaint received 2025-01-27 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: WI

Complaint narrative:
XXXX 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 Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, 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 XXXX has neither corrected nor removed disputed items despite the evidence I I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: P&B Capital Group, LLC
State: OH

Complaint narrative:
I received an alert on my credit report on XX/XX/XXXX, that a new collection account was added to my credit profile. Upon further inspection, I had found that one was placed by a company noted as P & B capital Group, listed as an account # XXXX. This appears that it was originally placed on my profile on XX/XX/XXXX, though I was not notified of any changes to my credit until XXXX of XXXX. I have never received any notification from this company of any account. If I had received this information, I would have submitted the information that I will attach to this complaint. These companies are bound by the FCRA to notify any individual before anything is placed on their credit profile. This account was with a company called XXXX before it was being illegally posted to my credit profile currently. I have spent the last year cleaning up my life after being a victim of identity theft. XXXX found the information that I had provided them and closed the account, and deleted it from my credit profile. This account is not valid and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
XXXX is the CFPB complaint ID referencing my knowledge of unconscionable conduct during my vehicle purchase on XX/XX/year> from XXXX of XXXX in SC, however my complaint was forwarded to the FTC. 
My limited power of attorney was never validated via notary public. My vehicle 's title was transferred to the finance company Santander Consumer USA unlawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX ct ] XXXX XXXX XXXX XXXX ] XX/XX/XXXX Customer Service Department Toyota MTR XXXX XXXX TX XXXX Subject : Request for Removal of Charge-Off from Credit Report, I hope this letter finds you well. I am writing to respectfully request the removal of the charge-off status reported on my account with you, which is identified as Account Number : N/A I understand that the account was charged off as of XX/XX/XXXX, but I would like to bring to your attention that I have made significant efforts to address the outstanding balance. Since the charge-off was reported, I have worked diligently to improve my financial situation and ensure that any past payment issues are rectified. 
I respectfully request that, in light of my efforts to resolve this matter, you consider removing the charge-off entry from my credit report. This will allow me to continue rebuilding my credit, and I believe it would be a fair and reasonable gesture, given the circumstances. 
As you may know, a charge-off on my credit report has a severe and lasting impact on my creditworthiness. I would greatly appreciate your understanding and cooperation in this matter, as I am committed to resolving any remaining balance and maintaining a positive relationship moving forward. 
Please let me know if there are any additional steps or documentation you need from me to facilitate this request. I look forward to your favorable response. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NJ

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: NY

Complaint narrative:
I am writing to demand immediate resolution regarding my previous dispute letter dated XXXX XXXX, 2025 in which I requested verification of the debts below associated with Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ). Experian was given 15 days to validate this debt as per my second written request, yet you have failed to provide any response or proper validation of the disputed account. The debt accounts are as follows XXXX XXXX XXXX  Account Number XXXX Reason for Dispute : Inaccurate Information/ Account not Verifiable Instruction for Dispute : Delete this account XXXX XXXX XXXX XXXX Account Number XXXX Reason for Dispute : Inaccurate Information/ Account not Verifiable Instruction for Dispute : Delete this account XXXX XXXX  Account Number XXXX Reason for Dispute : Inaccurate Information/ Account not Verifiable Instruction for Dispute : Delete this account Under the FCRA, you are required to : 1. Conduct a reasonable investigation of disputed information under 15 U.S.C. 1681i ( a ) ( 1 ).

2. Verify the accuracy of the information or delete it if verification can not be provided. 
3. Provide me with a copy of the results of the investigation within the required timeframe. 
Your failure to validate or delete this account is a direct violation of the FCRA. Furthermore, if this account can not be verified, reporting this inaccurate or unverifiable information violates 15 U.S.C. 1681e ( b ), which requires you to maintain reasonable procedures to ensure the maximum possible accuracy of the information you report. 
I now demand the immediate deletion of this account from my credit file. If this account is not removed, I will proceed with filing complaints against Experian with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General for non-compliance with federal law. I will also seek legal counsel to explore damages for your violation of my rights under the FCRA, which can result in statutory damages of up to {$1000.00} per violation, plus punitive damages and legal fees as provided in 15 U.S.C. 1681n and 15 U.S.C. 1681o. 
I expect written confirmation of the removal of this account from my credit file no later than XX/XX/year>2025. Should you fail to comply, I am prepared to take all necessary legal and regulatory actions to protect my rights. 
Thank you for your prompt attention to this matter. I look forward to your immediate compliance.

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 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-27 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: NJ

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: CO

Complaint narrative:
My loan was transferred from XXXX XXXX in XXXX of XXXX. My escrow balance to be transferred to XXXX was {$1400.00}. XXXX shows I had a negative balance of - {$1400.00} not positive. Now XXXX wants to raise my payment {$220.00} because of the escrow shortage due to their mistake. The difference between this mistake is {$2800.00} from putting down a negative balance instead of a positive balance and I have the paperwork from XXXX XXXX showing my payment history and positive balance on escrow account. I explained but the people at XXXX on XX/XX/XXXX, and XX/XX/XXXX can not rectify the situation. When I ask for supervisor I am told one must call me back. I have never received a call back. 
My payment should not go up {$220.00} and XXXX needs to fix their mistake. I need a supervisor to call back and send proof this has been fixed and not just told someone will call me back. XXXX has stolen my escrow and trying to steal more money through my monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: TX

Complaint narrative:
Im reaching out regarding an account listed on my credit report that I believe contains incorrect information. After reviewing the details, I can confirm that I have no knowledge of this account and did not authorize it.

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 2025-01-27 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: CA

Complaint narrative:
I am deeply concerned to discover that my credit report has been accessed without my permission. There are inquiries listed that I did not authorize, and I have never applied to or interacted with the companies responsible. This is not only alarming but also a clear violation of my rights as a consumer. Its unacceptable to have my financial integrity compromised in this way.

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 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: CO

Complaint narrative:
I can not log in to pay my bill, yet they are penalizing me with creddit bureaus.

Company response to consumer: Closed with explanation