vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 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: FL

Complaint narrative:
I am writing to formally notify you of a serious issue involving the unauthorized and fraudulent use of my identity. An account has been opened in my name without my consent, and I have no knowledge of, nor have I authorized, any such activity. This is a clear case of identity theft, and it has compromised my personal and financial security.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: KS

Complaint narrative:
on XXXX my education records and personally identifiable information from such education records was improperly disclosed without my prior written consent. This was not an official from the DOE. It was an unauthorized non-employee that was given access to my information. I am requesting forgiveness of my loans

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX, Below is my message to Navy Federal Credit Union. I've continuously reached out but it has come to a point where my checkings is overdrawn, I have no electricity, food, and gas. 

Dear Navy Federal Team, XXXX, XX/XX/year> I'm an XXXX XXXX in Florida struggling with loan/credit card rates ( opened during service ). My power is off, fridge food melted, and I overpaid my apartment complex, amidst losses ( XXXX, breakup, XXXX move ). 
I may qualify for **Military Lending Act ( MLA ) ** relief, capping MAPR at 36 %. 
Please confirm and adjust rates if applicable ( orders attached ). 
Your XX/XX/year>, email ( XXXX XXXX, " to XXXX ' ) denied SCRA relief. Is this a denial of all relief, including MLA? I'm concerned about the personal email response. 
Unresolved requests : 1. Stop auto-payments ( **Payment Management Options** ). 
2. Rate reductions/deferrals ( **Military Assistance Programs** **Active Duty Benefits** ; I completed your **Personalapplicable ( orders attached ). 
Your XX/XX/year>, email ( XXXX XXXX, " to XXXX ) denied SCRA relief XXXX Is this a denial of all relief, including MLA? I'm concerned about the personal email response. 
Unresolved requests : 1. Stop auto-payments ( **Payment Management Options** ). 
2. Rate reductions/deferrals ( **Military Assistance Programs** **Active Duty Benefits** ; I completed your **Personal Finance Program** ). 
3. Hardship support ( **Deployment Support** ). 
Per your **Mission Statement**, please respond by XX/XX/year>, with : - MLA eligibility/rate adjustments. 
- Denial clarification. 
- Auto-payment stop. 
- Discretionary relief. 

I may escalate to the **CFPB**

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 2025-03-09 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:
I hope youre doing well. Im writing because Ive noticed an inquiry on my credit report that I absolutely did not authorize. I never gave them permission to pull my credit, and Im concerned this might be an error or even a case of fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: TX

Complaint narrative:
I take my credit seriously, and I'm really concerned about the mistakes on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. I've worked hard to build my credit, and it's frustrating to see it affected by mistakes that aren't my fault. I'm anxious to get this fixed as soon as possible because I don't want any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: NC

Complaint narrative:
I hope you're doing well. I'm writing because theres an issue on my credit report that needs to be corrected as soon as possible. Theres some information on there that isnt mine, and its affecting my credit in ways it shouldnt be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX XXXXXXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX XXXXXXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX  XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX 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 2025-03-09 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: Affirm Holdings, Inc
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Affirm and XXXX regarding an order I placed on XX/XX/year>. The handling of my order and subsequent failure to resolve my dispute have caused significant financial and XXXX XXXX 

XXXX XXXX : XXXX. I placed an order with XXXX, which was financed through Affirm. 
XXXX. The delivery company sent XXXX boxes to my doorstep while I was out of town, without prior notification. 
XXXX. When I inquired why I wasnt notified, I was told that they could not provide an exact delivery date, which is why they proceeded with the drop-off. 
XXXX. I had previously informed them that I lived in an apartment building with no attended delivery area, and they had already mishandled a previous delivery of XXXX boxes in the same manner. 
XXXX. Despite my prior concerns, they disregarded them and delivered over XXXX boxes unattended at my doorstep again. 
XXXX. As expected, the items were stolen, and I provided a police report and witness statements from neighbors confirming the theft. 
XXXX. I have been disputing this charge with Affirm and XXXX since XX/XX/year>, yet they continue to hold me responsible for the payment of items that I never received. 

Credit Report Dispute : I have also disputed this charge with the credit bureaus, as I have no delinquent or outstanding accounts on my credit report. However, Affirm continues to report this balance, despite my dispute and supporting evidence. 

Requested Resolution : Affirm must remove this charge from my account and cease any negative reporting to credit bureaus. 
XXXX should take responsibility for their failed delivery process and either issue a full refund or take corrective action. 
Both companies need to revise their delivery policies to prevent similar consumer issues in the future. 

I am seeking immediate resolution, as this situation has unfairly impacted my financial standing. If this matter is not resolved promptly, I will escalate this complaint further, including legal action if necessary. 

Thank you for your time and attention to this matter. Please provide a response at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am trying to get an apartment and most apartment complex pull a FICO score. I looked and my fico score is way below than what it is supposed to be. its showing XXXX and it should be XXXX. Please adjust asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: FL

Complaint narrative:
Upon reviewing my credit report, I discovered multiple inaccuracies in the reporting of my accounts. Some accounts are showing incorrect past-due balances, payments that were made but not reflected, and errors in account status. These inaccuracies are significantly affecting my credit score and financial opportunities. I have not received any notification or explanation for these discrepancies.

I am requesting a formal investigation under the Fair Credit Reporting Act ( FCRA ) to verify the accuracy of these reports. If the disputed accounts can not be fully verified with documented proof, they must be corrected or removed from my credit file immediately. I also request a written confirmation of the results of this investigation within the legally required timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: FL

Complaint narrative:
Upon reviewing my credit report, I discovered multiple inaccuracies in the reporting of my accounts. Some accounts are showing incorrect past-due balances, payments that were made but not reflected, and errors in account status. These inaccuracies are significantly affecting my credit score and financial opportunities. I have not received any notification or explanation for these discrepancies.

I am requesting a formal investigation under the Fair Credit Reporting Act ( FCRA ) to verify the accuracy of these reports. If the disputed accounts can not be fully verified with documented proof, they must be corrected or removed from my credit file immediately. I also request a written confirmation of the results of this investigation within the legally required timeframe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: CA

Complaint narrative:
Dear Sir or Madam I am writing to formally notify the Federal Trade Commission ( FTC ) of a significant data breach that occurred at Equifax, XXXX of the major consumer credit reporting agencies. This breach has compromised the personal information of approximately XXXX XXXX individuals, making it XXXX of the largest data breaches in history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I reviewed my current credit report and noticed that I had a XXXX late payment from Wells Fargo Auto. I contacted Wells Fargo and requested information that confirms the accuracy of this information. I did not receive any information from Wells Fargo Auto. It has been over XXXX XXXX. I have disputed this information with the credit bureaus, and they have failed to perform the proper investigations and provide me with information from the creditor that confirms the accuracy of late payment status. I believe this clearly in violation of the FCRA, 15USC 1681 ( e ) ( b ), and XXXX XXXX compliance 17A ( 1 ). This account was paid as agreed flawlessly and paid off early. The account was opened XX/XX/XXXX and closed XX/XX/XXXX. This late payment continues to inaccurately report on my consumer report as of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
DUE TO A DATA BREACH AT XXXX XXXX, MY INFORMATION WAS USED TO ATTEMPT TO OPEN A CREDIT CARD AT CAPITAL ONE IN XX/XX/year>. CAPITAL ONE SENT ME AN EMAIL STATING THEY WERE UNABLE TO OPEN THE ACCOUNT DUE TO MISSING INFORMATION. I WAS UNABLE TO REVIEW THE " WHY '' OR WHAT WAS BEHIND THE EMAIL BUT I CONFIRMED THIS WAS FRAUDULENT ACTIVITY. 

HOWEVER, I DISCOVERED THE INQUIRY WAS STILL REPORTED TO THE CREDIT BUREAUS. I SPOKE WITH CAPITAL ONE IN XX/XX/year> AND THOUGHT THEY WERE REMOVING THE INQUIRY, BUT AS IT TURNS OUT THEY DID NOT. I CALLED AGAIN AND NOW CAPITAL ONE IS REQUIRING ME TO SEND A COPY OF EVERYTHING VIA SNAIL MAIL TO DISPUTE THE INQUIRY SO THEY CAN HAVE IT REMOVED. THIS IS UNBELIEVABLE. IT IS THEIR MISTAKE ( NOT MINE ) - I DID NOT REQUEST A CREIDT CARD FROM THEM, AND IT NEVER EVEN WAS OPENED. THEY VERBALLY TOLD ME THEY WOULD FIX IT, AND NOW ARE REQUIRING EXTRA WORK FOR ME TO SEND THEM A LETTER VIA XXXX TO REQUEST THEM TO FIX IT. WHAT ERA ARE WE LIVING IN? TO TOP IT OFF, THEY STARTED ENDING MY EMAILS ON HOW TO IMPROVE MY XXXX XXXX USING THEIR PAID FOR SERVICE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: IL

Complaint narrative:
The entry in question is completely inaccurate, and I believe its been added to my report either by mistake or through fraudulent activity. This has already started to cause unnecessary damage to my credit and, frankly, is putting me in a stressful situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: PA

Complaint narrative:
I am writing to follow up on my previous request for an investigation into the inaccuracies on my credit report, which I initially submitted in XX/XX/XXXX. As of today, I have not received any response from your office, and the incorrect information remains on my report, continuing to harm my credit. This lack of action is both concerning and unacceptable. 

For your reference, the inaccuracies I outlined in my original letter are as follows : - XXXX XXXX  XXXX Balance Owed : {$5900.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX - XXXX XXXX  XXXX Balance Owed : {$990.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1400.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$1500.00} Date Opened : XX/XX/XXXX - XXXX XXXXXXXX Balance Owed : {$710.00} Date Opened : XX/XX/XXXX - XXXX XXXX  XXXX Balance Owed : {$1900.00} Date Opened : XX/XX/XXXX Please promptly eliminate the late payment and UPDATE this account immediately. 

I kindly request that this matter will be promptly solve by EQUIFAX. 

As per the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate disputes within XXXX  days of receiving a formal request. More than [ number of days since the initial request ] days have passed, and I have yet to receive any resolution, confirmation of investigation, or update on this matter. The continued presence of this inaccurate information has severely impacted my creditworthiness and has caused denial of credit, increased interest rates, or emotional distress ''. This delay undermines the confidence I should have in the integrity and efficiency of the processes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: IL

Complaint narrative:
I do not recognize these addresses. Please remove thank you! 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-09 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: MD

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate disputes regarding inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Under this law, credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes inaccurate or incomplete information. 

Despite my repeated disputes, supported by documentation, Equifax has either failed to conduct a reasonable investigation or has improperly verified incorrect information without adequately reviewing my evidence. Additionally, under 15 U.S.C. 1681s-2 ( b ), furnishers of information must investigate disputes forwarded by credit bureaus, but Equifax has failed to ensure compliance with this requirement. Their continued negligence is harming my credit standing and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
This was actually also sent to Mr Cooper with no resolution. 

Our loan was moved to Mr Cooper loans in XX/XX/XXXX from XXXX XXXX. Our payment was {$1500.00} then because property tax was just paid by XXXX XXXX the first thing Mr Cooper did was increase our monthly payment to {$1800.00} to replenish the escrow account. I do unstand that but it was a huge increase to our family budget. 

The first payment we made to you was a lump sum payment. The second month we moved to a bi-monthly and then we decided that we would split the payments into XXXX so every bi-weekly pay my husband had and every bi-weekly pay I had went directly to Mr Cooper. 

Little did we know this would cause so much confusion and frustration. Every payment was unapplied incorrectly causing collection calls and late payments. I even emailed to get a refund for XXXX and then it was reestablished and now we have another {$47.00} charge. We have called customer service more than XXXX times this last year and after every call we are assured that the resolution was made. 

Please find all monies received by Mr Cooper and explain to me how we should have to pay late fees and are short on payments. To date we have actually overpaid our loan by {$1300.00}. I would kindly like the {$47.00} that was reversed and now the additional {$47.00} taken off our account. 

XX/XX/XXXX Payment XX/XX/XXXX {$1500.00} XX/XX/XXXX Payment {$1800.00} XX/XX/XXXX {$920.00} XX/XX/XXXX {$920.00} ( additional {$2.00} ) XX/XX/XXXX Payment {$1800.00} XXXX {$460.00} XX/XX/XXXX {$460.00} XX/XX/XXXX {$460.00} XX/XX/XXXX {$460.00} XXXX Payment {$2300.00} XXXX {$460.00} XX/XX/XXXX {$460.00} XX/XX/XXXX {$460.00} XX/XX/XXXX {$460.00} XX/XX/XXXX {$460.00} ( additional {$460.00} totaling {$460.00} ) XXXX Payment {$1800.00} XXXX {$460.00} XX/XX/XXXX {$460.00} XX/XX/XXXX {$460.00} XX/XX/XXXX {$460.00} XXXX Payment {$1800.00} XXXX {$460.00} XX/XX/XXXX {$460.00} XX/XX/XXXX {$460.00} XX/XX/XXXX {$460.00} XXXX Payment {$1800.00} XXXX {$460.00} XXXX {$460.00} XX/XX/XXXX {$460.00} XX/XX/XXXX {$460.00} XXXX Payment {$2300.00} XXXX {$460.00} XXXX {$460.00} XX/XX/XXXX {$460.00} XX/XX/XXXX {$460.00} XX/XX/XXXX {$460.00} ( additional {$460.00} totaling {$920.00} ) XXXX Payment XXXX XX/XX/XXXX {$1800.00} XXXX Payment {$2300.00} XX/XX/XXXX {$460.00} XX/XX/XXXX {$1800.00} ( additional {$460.00} totaling {$1300.00} ) XXXX Payment {$1800.00} XX/XX/XXXX {$1800.00} We are already receiving collection calls from Mr Cooper stating we are in default of our loan and do not pay XXXX. Now they are reporting to the credit bureaus that we are in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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 was informed that my personal information was exposed under a security data breach and have since noticed erroneous entries on my personal credit report that were placed there without my consent. The false and erroneous entries are from the following companies : 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