vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: MI

Complaint narrative:
This company is continually furnishing my consumer report with falsified information, to which they have not verified according to federal statute. They have consistently and maliciously targeted me and are currently violating my rights to privacy, as they are slandering me in the public by use of my consumer credit report ( s ). They have not proved to have loaned me money and have not verified their claim of having done so. Yet they are slandering me publicly, causing me injury and damage, as Ive been unable to obtain use of my credit through their fraudulent business practices. They have conspired with others to violate my rights. They have violated interstate commerce and have broken federal laws to profit and gain from the illegal use of my private information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
U.S. Code 1681. I never gave anyone or business a written consent to furnish or obtain any of my information. Please remove 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 2025-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I recently discovered that two Capital One accounts, listed as being opened in XXXX and XXXX, have been added to my credit report. I didnt open or authorize these accounts, and I believe theyre the result of identity theft. Both are listed as Collection/Charge-Off, which is inaccurate and causing harm to my financial reputation.

I am requesting that these accounts be deleted from my credit report immediately. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, consumers have the right to dispute and block information that results from identity theft. Additionally, under 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation of disputes and remove unverifiable information.

I also request that you provide any documentation or evidence you used to verify these accounts, such as signed agreements or proof of ownership. If such evidence can not be provided, I respectfully demand that these accounts be removed entirely from my credit report, as outlined under the FCRA

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: EQUIFAX, INC.
State: FL

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

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX my student loans from XXXX were reported again as if they were taken out. This directly caused a significant decrease in my credit score out of the blue. I work so hard to keep a good score and play by the book but these companies make it almost impossible to. I decided to pay my graduate studies out of pocket and not go the loan route but now it is as if it was for nothing since they are reported twice on my accounts. 
- Equifax - 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Transunion, 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 a credit card opened at XXXX XXXX XXXX on XX/XX/year> under the account number ( XXXX ). I AM FILING THIS FTC IDENTITY THEFT AFFIDAVIT TO REPORT 1 FRAUDULENT ACCOUNTS APPEARING ON MY CONSUMER FICO TRANSUNION CREDIT REPORT, WHICH I DO NOT RECOGNIZE AS REPORTED AND WHICH IS THE RESULT OF IDENTITY THEFT AND FRAUD. THIS FRAUDULENT ACCOUNT CONSIST OF A COLLECTION OPENED AT XXXX XXXX XXXX  UNDER THE ACCOUNT NUMBER ( XXXX ). THIS ACCOUNT HAS RESULTED IN SEVERAL FRAUDULENT HARD INQUIRIES AND FRAUDULENT COLLECTIONS APPEARING ON MY CONSUMER FICO CREDIT REPORT. I DEMAND THAT THE AFOREMENTIONED FRAUDULENT ITEM BE REMOVED FROM EACH OF MY CONSUMER CREDIT. These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs 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. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I file several disputes to remove old addresses from my credit report. The response from the credit bureaus would be that they can not remove the address because it's tied to an account on my credit report the accounts that are tied to these addresses have been paid to close. I've also disputed those accounts from being a credit report, but they will also not remove Items that have been paid and closed as well. So now I'm stuck with negative items on my credit report that are causing my score to not increase and also I have old addresses on my credit report that are causing my credit report to reflect negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
Balance Reported : {$7900.00} Account Number : XXXX To Whom It May Concern : I am writing in reference to the collection account reported on my credit file associated with the account number mentioned above. This account is negatively impacting my credit profile, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to request validation of this debt and to demand that you cease all communication with me regarding this matter. Pursuant to XXXX XXXX. XXXX, I request that you provide the following information to validate this debt : 1. The name and address of the original creditor.

2. A copy of the signed agreement or contract that allegedly obligates me to pay this debt.

3. A complete account history, including all charges, payments, and credits applied to the alleged debt.

4. Documentation showing that you have the legal right to collect on this debt.

Until this information is provided, I demand that this collection account be removed from my credit report as reporting inaccurate or unverifiable information violates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Additionally, under XXXX XXXX XXXX XXXX XXXX XXXX  you are hereby notified to cease and desist all communication with me regarding this matter. Any further attempts to contact me will be considered a violation of federal law. 

I expect written confirmation that this collection account has been removed from my credit report and that you have ceased all collection efforts. 

Thank you for your prompt 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: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I am writing t 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 credit. 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 account transactions, thank you for your assistance

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
During the last month, I called Round Point Mortgage Company 3 times a few days apart. They refuse to tell me the payment amount ( which should be around XXXX XXXX dollars. What process do they want to use to pay it off? Every time I call them, they say they will email me the payoff with instructions, but they do not. They apply the money I send them to the escrow.

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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
filed a dispute on { XXXXXXXX XXXX XXXX  XXXX XXXX } due to { not attending the school ( XXXX XXXX XXXX XXXXXXXX }. and i also filed a dispute to have account number XXXX ( XXXX XXXX XXXX ) remove. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { XXXX XXXX XXXX  }. Experian violatesmy rights as a consumer, as well as federal laws.

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: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: TX

Complaint narrative:
I tried opening Business Checking account with US Bank on XXXX XX/XX/year>. I already have relationship with them - like XXXX credit card. Despite that they didn't opened my account and gave me a Application number : XXXX Promo code : XXXX and asked me to call Call XXXX Called on this number on XXXX XX/XX/year> at around XXXX pm XXXX. More than XXXX - on hold. tried chatting - no help. 

US Bank simply outsourced all their jobs. In XXXX also hired XXXX workers. Adversely impacting US Citizens like me.

There is no local branch where i can walk-in to get this work done.

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 belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove one account from my consumer credit reports that does not belong 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 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove one account from my consumer credit reports that does not belong 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 explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: TN

Complaint narrative:
I was at work and I noticed when I was at the store trying use my digital water for my XXXX. The card declined. 
And I checked my about an I missing like all most XXXX or more and it was from XXXX XXXX someone stolen my card and took my money and I try to dispute it and they declined me with no evidence so I sent them my documents within. I asked for I even reached XXXX to send me some email and they did and they said that nothing was coming from my XXXXXXXX XXXX this is so frustrating and then they holding my deposit money from my job I can even get my money or anything I fees on my rent and cant even pay it I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
I reported fraudulent activity on my XXXX XXXX account multiple times, which resulted in an outstanding balance of {$1600.00}. Despite my efforts, XXXX XXXX disregarded my claims and subsequently hired Scott & Associates PC to collect the debt. To avoid any derogatory remarks on my credit report for an issue that was not my fault, I agreed to pay {$900.00} as part of a settlement agreement. Under this agreement, Scott & Associates PC assured me that the accunt would be marked as settled and that no information about the account would be reported to any credit reporting agency. 

However, in breach of this agreement, the negative account was still reported to the credit reporting agencies, XXXX, XXXX, and XXXX. When I contacted Scott & Associates PC about this issue, I was referred back to XXXX XXXXXXXX. Upon contacting XXXX XXXX, they redirected me back to Scott & Associates PC. Both companies have failed to take responsibility or resolve this matter, leaving me without recourse and with unwarranted damage to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I am a victim of identity theft I notice a fraudulent account on my credit report in the amount of {$7900.00} I have reach out to this company back in year 2020 letting them know that was not my debt and how can we resolve this issue I have filed a police report with local sheriff department

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: MA

Complaint narrative:
I achieved XXXX XXXX payments during the MOHELA platform transition and pause. My XXXX payment was XX/XX/XXXX. I made a manual payment that was processed by MOHELA on XX/XX/XXXX, since my auto payment had not been pulled by my due date ( XX/XX/XXXX ) despite communication from MOHELA that autopay would not be effected during the transition. The MOHELA website lists the XXXX payment as processed. I submitted my employment certification form on XX/XX/XXXX. My payment counts on XXXX were updated = XXXX out of XXXX payments, and have been at this count for the last 7 months. The XXXX payment is listed as ineligible. I'm so close. I'm sure you hear this all the time- but one payment! That I made and MOHELA took! I have achieved XXXX payments. I'd love for my discharge processing to begin. 

I have sent repeated requests for review, reconsideration, and adjustment. They have been closed with no explanation. I have many innumerable phone calls and have been on hold for countless hours. I have filed complaints. And I recently requested to be reviewed for a different XXXX payment plan with the hope that being placed on a processing forbearance would bring me across the finish line. I have yet to be placed on a processing forbearance. Ive watched others months past my XXXX payment achieve forgiveness. 

I am stuck. Please, I beg of you. Help.

Company response to consumer: Untimely response