vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I am submitting this complaint regarding inaccurate and inconsistent credit reporting practices by XXXX ( credit card issued by XXXX XXXX XXXX XXXX to the three major credit bureaus XXXX XXXX XXXX XXXX 

Over the past few years, Nordstrom has inaccurately reported late payments on my account, which do not accurately reflect my payment history. According to the credit card agreements issued to consumers, Nordstrom states that it reports to credit bureaus every 30 days. However, upon reviewing my credit reports and payment cycles, Ive noticed that Nordstrom often reports to the credit bureaus in less than XXXX intervals particularly in months with fewer days or when the billing cycle is shorter. This deviation from the stated reporting timeframe has resulted in my account being marked delinquent, even when payments have been made within a reasonable period based on the XXXX reporting expectation. 

Additionally, Nordstrom has not provided a fair opportunity to avoid delinquency. There are times when my payment due date is scheduled just one day before the cycle end date. This setup leaves no effective grace period and causes a payment to be marked late if paid shortly after the due date, even though a grace period is generally understood to be provided. The resulting late fees and derogatory reporting are unfair and do not align with standard credit reporting practices or the terms outlined in the consumer agreement. 

I have addressed this issue on numerous occasions with Nordstrom customer service representatives, but the concerns have not been resolved. Despite bringing attention to the inconsistency and negative impacts on my credit report, I continue to see inaccurate and premature reporting on my credit file. 

This pattern of inconsistent and premature reporting has negatively impacted my credit score and does not reflect my true payment behavior. I believe this constitutes unfair and potentially deceptive credit reporting under the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB investigate these practices and require XXXXXXXX XXXX  XXXX to correct the inaccurate information on my credit reports, revise their credit reporting methods to ensure consistent XXXX intervals, and cease penalizing consumers due to unclear and unfair billing cycle structures.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint because the credit reporting agencies TransUnion are reporting multiple unauthorized hard inquiries on my consumer credit reports. These inquiries were not initiated, authorized, or consented to by meneither verbally nor in writing. The listed inquirers, including XXXX, XXXX XXXXXXXX, and XXXX, have confirmed that no signed application or documented consent exists to justify pulling my credit report. 

Despite sending each credit bureau a formal legal demand citing the Fair Credit Reporting Act ( FCRA ) and requesting deletion of these inquiries, they continue to appear in my reports. The credit bureaus have failed to provide proper verification or evidence and have not conducted a legally sufficient investigation as required. 

This constitutes a direct violation of the following federal statutes : XXXX XXXX XXXXXXXX No permissible purpose exists for these inquiries. 

XXXX XXXX. XXXX ( a ) ( XXXX ) Information that can not be verified must be deleted. 

XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) I was not provided with signed authorization or application. 

XXXX XXXX. XXXX Furnishers must ensure the accuracy and legitimacy of reported information. 

XXXX XXXX. XXXX Consumers are entitled to protection against unauthorized access. 

XXXX XXXX. XXXX ( UDAAP ) Continued reporting of unverifiable inquiries constitutes a deceptive and abusive practice. 

Supporting Case Law and Enforcement Actions : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB XXXX XXXXXXXX XXXX  XXXX XX/XX/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 2025-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: FL

Complaint narrative:
I applied for a forbearance, but they still reported a late payment. I spoke to a representative that said it was taken care of. Then I received a notice, and when I looked at my account, the forbearance had not been applied and my credit was impacted. Then I applied for the forbearance online. Several days after I received the attached notice that it would take 90 days to process!. I don't know anyone who has had to wait 90 days for a forbearance! This will make it impossible for me to secure employment as in my field your credit rating is considered.

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 — Account status incorrect
Company: Kriya Capital, LLC
State: MN

Complaint narrative:
I have sent letters asking for removal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This account was opened under my name and information without my given consent. I tried to speak with XXXX and they told me to file a police report ( which I did ). They also told me they arent allowed to close the account because there were already several payments that were done. So they gave me an extension as the loan is affecting my credit score. 

They claimed to have sent emails to my email address about all these payments, but I never received any of them. 

This loan to pay off a car that I do not own. I know the person who opened the account, but we are estranged.

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: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chase offered a settlement, pay for a XXXX balance. I paid the requested amount. My account balance should say XXXX now. Proof of settlement offer and cashed check attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: LA

Complaint narrative:
National Recovery Agency is attempting to collect a debt that is not owed also did they violated hippa

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
Ive had a restricted account since XX/XX/year>, first the problem was me buying bitcoin which seems to be redundant as Robinhood has always been used as a crypto or stock account for me! At a point of time Ive had over XXXX $ in this account. As of XX/XX/year> Ive requested to close my account and send me my remaining funds. Ive sent over XXXX emails and phone contacted XXXX agents associated with Robinhood. Every email I send is responded too with the same generic message I wanted to let you know that we will be transferring this matter to the appropriate team for review. A member of our Robinhood Support team will follow up with you in case number XXXX. 

There has been no progress in my case since the first email Ive received stating this. Ive missed payments due to my personal spending account being restricted and Ive received no help at all! 

I was first instructed to fill out these forms and wait for a response before filing a civil suit.

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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Ohio XXXX XX/XX/year> Experian XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam, I am writing to formally report that I am a victim of identity theft. Several items on my credit report, as detailed below, are not associated with any transactions I have made and are the result of fraudulent activity. 
Under Section 605B of the Fair Credit Reporting Act, I am requesting that you immediately block the fraudulent information from my credit report and notify all furnishers of this information, as required by law. These items are adversely affecting my credit profile and are the direct result of identity theft. 
The fraudulent accounts in question are : Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), Amount : {$320.00} Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX , Amount : {$120.00} To assist in your investigation and verify my claim, I have enclosed the following documents : 1. A copy of my credit report from Experian, with the fraudulent accounts clearly circled.

2. A copy of my Identity Theft Report.

3. A copy of my proof of identity ( e.g., drivers license, government-issued ID ).

4. A copy of Section 605B of the Fair Credit Reporting Act, which outlines your obligations to block fraudulent information within four business days and to promptly notify the furnishers.

I trust you will prioritize this matter and address it promptly, as required by the FCRA. I expect to receive confirmation that the fraudulent information has been blocked and that the furnishers have been notified within the legal time frame. 
Thank you for your attention to this matter. Please provide written confirmation that these fraudulent items have been removed from my credit report at your earliest convenience. 
Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Proof of Identity ( Drivers License/Other Government-Issued ID ) Copy of Credit Report ( Fraudulent Items Circled ) Copy of Fair Credit Reporting Act Section 605B PDF Link

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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Ohio XXXX XX/XX/year> Experian XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam, I am writing to formally report that I am a victim of identity theft. Several items on my credit report, as detailed below, are not associated with any transactions I have made and are the result of fraudulent activity. 
Under Section 605B of the Fair Credit Reporting Act, I am requesting that you immediately block the fraudulent information from my credit report and notify all furnishers of this information, as required by law. These items are adversely affecting my credit profile and are the direct result of identity theft. 
The fraudulent accounts in question are : Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), Amount : {$320.00} Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX , Amount : {$120.00} To assist in your investigation and verify my claim, I have enclosed the following documents : 1. A copy of my credit report from Experian, with the fraudulent accounts clearly circled.

2. A copy of my Identity Theft Report.

3. A copy of my proof of identity ( e.g., drivers license, government-issued ID ).

4. A copy of Section 605B of the Fair Credit Reporting Act, which outlines your obligations to block fraudulent information within four business days and to promptly notify the furnishers.

I trust you will prioritize this matter and address it promptly, as required by the FCRA. I expect to receive confirmation that the fraudulent information has been blocked and that the furnishers have been notified within the legal time frame. 
Thank you for your attention to this matter. Please provide written confirmation that these fraudulent items have been removed from my credit report at your earliest convenience. 
Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Proof of Identity ( Drivers License/Other Government-Issued ID ) Copy of Credit Report ( Fraudulent Items Circled ) Copy of Fair Credit Reporting Act Section 605B PDF Link

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 2025-04-19 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: PA

Complaint narrative:
Unauthorized Access to XXXX  XXXX  Loan Information To the Consumer Financial Protection Bureau, I am writing to report unauthorized access to my federal student loan information by a third party. I believe this constitutes a privacy breach and potential violation of the Privacy Act of 1974 and other applicable regulations. 

Account Details- Loan Servicer : XXXX XXXX - Account/Loan Number : XXXX Description of Incident On XX/XX/XXXX, I discovered that my XXXX  XXXX  loan information was accessed by a third party other than my designated loan servicer, XXXX XXXX XXXX This unauthorized access occurred without my knowledge or consent. 

Impact and Concerns This unauthorized access raises significant concerns about : - The security of my personal and financial information - Potential identity theft or fraud - Violation of my privacy rights under federal law - Inadequate security protocols at my loan servicer

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: NJ

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Bankruptcy- XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX Bankruptcy-

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: Alorica Inc.
State: MN

Complaint narrative:
I am a victim of identity theft. I was involved in the XXXX XXXX XXXX breach and was alerted late 2019. I was also apart of the equifax data breach. I made the companies listed in my FTC report aware of this and ask the collection agencies to provide the orginal loan documents and the information on how these accounts were obtained. They were unable to provide this info. Also some of the addresses they had listed for where these cards were open were not mine. When I sent a request via writing I received no repsonse.

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 caused by your funds being low — Late or other fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Ive had a checking account with Citibank since XXXX over a decade. On XX/XX/XXXX, I logged into my account and noticed XXXX {$15.00} charges totaling {$90.00} taken from my account between XX/XX/XXXX and XX/XX/XXXX. These charges were never communicated to me clearly. 
I immediately contacted Citibank and was refunded only {$30.00}, but I had no knowledge these fees were occurring. The account had always been fee-free, and Ive maintained it carefully to avoid any penalties. 
I recently realized my mailing address hadnt been updated in their system. While that was my oversight, I was no longer living at the address they had on file when the fees began. I never received any mailed notice, and I also didnt receive any emails or other notifications alerting me to this change which I would have acted on right away. 
I believe this was an unfair and poorly communicated change to my long-standing account. I would never have knowingly kept using a fee-based account without taking action. Im respectfully requesting a full refund of the remaining {$60.00}, as I was charged without my awareness or proper notice.

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 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: Experian Information Solutions Inc.
State: FL

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. 

XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX -- {$10000.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$11000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$7500.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$13000.00} 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: 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: FL

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. 

XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX -- {$10000.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$11000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$7500.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$13000.00} 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 non-monetary relief