vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 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: GA

Complaint narrative:
Nave federal to put my credit back right I been paying them down on the account and they still got it wrong on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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 have already settled the debt with the auto lender and they provided sufficient documentation to have the debt deleted from my reports transunion has done so however, Equifax has not this has been an ongoing issue I received the letter is submitted the documents in XX/XX/year> and file several disputes with Equifax each time they failed to remove the account from my report in XX/XX/year> made XXXX years which legally the debt should be removed and the documents provided from XXXX XXXX it states clearly if I wanted deleted, I need to speak with the reporting companies all the others have comply however, Equifax is making it very difficult they requested the document, but did not even read them because the response I got from them clearly shows they didnt even acknowledge it. Everything they asked for is already in the document the email they sent back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/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 2025-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: MO

Complaint narrative:
I have federal student loans managed by Edfinancial Services. I have spoken with them by phone, but I still believe there are inaccuracies in my account, including the loan balance and how interest is being calculated. Despite my attempts to get clarification, my concerns have not been resolved. 
In addition, l 've been receiving repeated phone calls from Edfinancial. When I answer, there is silence no one speaks. I've even said things like " please say something this time, '' and they hang up after a few seconds. This has happened multiple times. It's unsettling and feels like harassment. 
These calls and unresolved errors have been worsening my mental health XXXX, including XXXX  XXXX  and XXXX, for which I have XXXX  documentation. I had XXXX XXXX for test XXXX  in school and XXXX  from college XXXX  due to the impact of these conditions. This loan debt and the way it's being handled have significantly contributed to my stress. 

( Additionally XXXX XXXX DOGE team accessing my student information through accessing the department of education makes me very uneasy. this violates my FERPA and HIPAA. this is just a minor detail but id like this proven or disproven ) I am asking the CFPB to help ensure : - My account is reviewed thoroughly and corrected if there are errors. 
- These silent or repeated calls stop. 
- I am treated with transparency and respect moving forward. 
- Look into every time theyve called the last couple years, and note how theyve not spoken. theyve recently reported 90 days past due without telling me i was behind and now my credit score has dropped XXXX points please remove them from my credit report and remove any negative notes on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I had received a message via XXXX stating an item I had up for sale had been purchased. In the message there was a link I was supposed to use to be paid for the purchase. Using the link it took me to an instant chat and I was asked to verify my checking account. Once I verified the account XXXX transactions were made one for {$750.00} and another for {$54.00}. As soon as I realized what happened I immediately called SoFi to block the transaction and they refused to do so until the transaction posted. If a customer tells the bank to block transaction then they should. I waited a few days for the transactions to post and once they did I submitted a claim on XX/XX/XXXX. I was told to wait XXXX business days and they would let me know the outcome. I waited until XX/XX/XXXX and had no information sent to me so I called and submitted emails. They stated I was sent the investigation results on XX/XX/XXXX but I do not see anything on that. I was told the claim had been denied and unless I could provide any new information they would not reopen the investigation. I asked what steps were taken to decide why the transaction was denied and the account manager I was speaking to hung up on me. I sent them screen shots of the message on XXXX, the link I was given, and where the link took me. I also looked into the company XXXX and found many claims of the same issues on line. Im not sure how this cant be found as fraud but they continue to deny the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: IA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-04-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am filing a formal complaint against Columbia Debt Recovery LLC for their failure to provide adequate proof of a debt they claim I owe, as well as for their unprofessional and misleading communication. 

On XX/XX/XXXX, I contacted the debt collector via email to request proper validation of the alleged debt. In response, they provided a single statement page that was incomplete and did not contain sufficient information to prove the debt was mine. The document lacked key details such as a signed agreement, account history, or any evidence linking me to the alleged obligation. 

Following this, I called the agency and spoke with an agent who informed me that she could not assist me and that I needed to contact the representative assigned to my account. I then attempted to reach this representative but was instead answered by another individual. When I explained that I needed to speak with the assigned representative and requested proper debt validation, this person dismissed my request and rudely insisted that I did not need to speak with the representative. 

Throughout the conversation, this individual contradicted himself regarding the nature of the debt and became defensive when I repeatedly asked for legitimate proof. Rather than providing the requested documentation, he accused me of being unwilling to negotiate, which was not the issueI was simply asking for verification of the debt before taking any further steps. He continuously avoided directly answering my question : " Can you please provide proof of debt? '' The conduct of this debt collection agency raises serious concerns, including their failure to provide proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ), their contradictory and evasive responses, and their unprofessional treatment of my reasonable request. I respectfully request that the Consumer Protection Bureau investigate this matter and ensure the agency complies with legal requirements regarding debt validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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 have filed and sent over numerous documents to both Experian and transunion about identity theft and the companies reporting inaccurate information on my credit profile and they continue to report these accounts. TransUnion is reporting an account with XXXX financial and I have disputed this account numerous times, the company XXXX does not have any record of account. 

Experian keeps reporting multiple fraudulent accounts and has since reported an account that they will not allow me to dispute because they are saying they cant verify my information, how can they report and account and not verify my information. The account is XXXX XXXX & XXXX Potentially negative Date opened XX/XX/year> Balance {$1600.00} Status Collection account. {$1600.00} past due as of XXXX 2025.

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 2025-04-19 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: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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 2025-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
A Chase credit card was opened without my consent - no charges were made on card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXXXXXX XXXX ) : ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Please Investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against XXXX  XXXX and the major credit bureaus for their ongoing participation in what I believe to be a pattern of illegal, deceptive, and fraudulent credit reporting practices. 

XXXX XXXX has been intentionally and exclusively reporting negative information about my account to the credit bureaus, while withholding all positive data, including on-time payments and responsible account management. This selective and biased reporting is clearly intended to harm my credit score and does not reflect a fair or accurate credit history. 

Even more troubling, long before I received a secured credit card from XXXX XXXX, someone affiliated with the company had been accessing my credit reports for years without my consent. Additionally, a fraudulent savings account was opened in my name through XXXX XXXX, without my knowledge or authorization. 

The credit bureaus have also failed in their responsibility to ensure accurate and fair reporting. Their continued acceptance of XXXX XXXX  incomplete and biased reportingdespite evidence and complaintsmakes them complicit in this ongoing credit fraud. 

The last XXXX  XXXX representative I spoke with was XXXX from the Customer Service Escalations Department. Despite this escalation, no resolution has been provided, and the improper reporting continues. 

Individuals I suspect may be directly or indirectly involved in the misuse of my personal and financial information include XXXX XXXX, XXXX XXXX, and XXXX XXXX, based on their past behavior and access to similar fraudulent activity. 

If the Consumer Financial Protection Bureau does not take swift and thorough action to investigate this matter and hold XXXX  XXXX and the credit bureaus accountable, I will move forward with filing a federal lawsuit. I am also prepared to take all legal steps necessary to identify and prosecute those responsible for this fraudulent activity and the repeated violations of my consumer rights. 

This is not a misunderstandingthis is a coordinated and deliberate abuse of the credit reporting system, and I will not rest until justice is served.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
DEPT OF ED/AIDVANTAGE has an account opened in a XXXX  's name. Never been to XXXX, so there should not be any accounts open under that name and social. This is clearly either a mistake, or identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: MO

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XX/XX/year> Experian

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 2025-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I was terminated from my XXXX job on XX/XX/year> which caused the temporary hardship. However, I have increased income on my main job which will well cover my mortgage payments. 

Shellpoint Service Mortgage is denying the following : 1. Payment Deferment 2. Repayment Schedule 3. Refinancing 4. Forbearance My income is approximately {$120000.00} a year which will way more than cover the requested mortgage payments. In addition, I am ready to make a two-monthly payment right the way. 

I believe Shellpoint Mortgage Servicing has set sights on my property and is forcing the foreclosure.

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 2025-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
On XX/XX/year>, I reported a total of {$2900.00} in unauthorized charges from XXXX to my bank. I do not have a XXXX account, never authorized these transactions, and received no goods or services from them. 

My bank issued a provisional credit, then later reversed it, stating the dispute was denied. I submitted a formal dispute response through their portal and requested : A copy of the investigation, Any merchant documentation or communication, And a clear explanation of how the decision was made. 

I have spoken to SEVERAL people and no resolution. The actual Navy Federal Account Portal that they claim to have sent responses to, DOES NOT WORK. I have requested information provided VIA EMAIL. Which they will not comply with. 

On XX/XX/XXXX, I spoke to another representative who told me my case was still under investigation. However, on XX/XX/XXXX, {$2900.00} was suddenly removed from my account without any new notice or documentation. I escalated to a manager ( named XXXX ), who confirmed the denial and refused to provide any documentation from the merchant or the investigation findings.

This is a clear violation of Regulation E ( 12 CFR 1005.11 ). The bank failed to provide : A written explanation of the results of the investigation, Copies of documents used in their decision, Adequate notice before reversing the credit.

I am requesting a full return of the funds and a copy of all documentation used in the investigation, as required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/1998 This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX 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 2025-04-19 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: PA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX # B XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXXXXXX * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - late/Closed- XXXX XXXX  XXXX * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$3700.00} - Late/Open XXXX XXXX XXXX * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - late/Closed- XXXX XXXX  XXXX * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$2900.00} - Charge off- XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief