vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 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: PA

Complaint narrative:
I have XXXX inquiries on my transunion XXXX and XXXX account that i dont have no products of or and services from none of the companies listed

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 2025-02-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I've had an ongoing complaint with primelending and it's servers. 
Second was XXXX  mortgage services. 
Third is Carrington mortgage services a debt collector. 
I had 60 day memorandum with Carrington and, got a letter that your in default. So I paid them XX/XX/year> And XX/XX/year> plus XX/XX/year>. 
I RECEIVED A LETTER STATING THERES AN ESCROW SHORTAGES. AGAIN EVERYTIME TIME NEW SERVERS. THESE ARE THERE TECHNIQUES TO GENERATING FEES UNTIL YOU COMPLY TO INCREASED IN ESCROW SHORTAGES. 
IVE PAID MY MORTGAGE INSURANCE PREMIUMS to the COMPANY STATE FARM. BECAUSE, the lied to me, WHEN I PAY MY XXXX INSURANCE ITS A DIFFERENT AMOUNT THEN WHAT XXXX PAYS. 
XXXX, AND XXXX HAVE A INSURANCE POLICY ROLLED INTO MY PRINCIPLES PAYMENT PLUS WITH MY MONTHLY PAYMENTS. 
I TRIED TO CONVEY MY INSURANCE TO Carrington MORTGAGE COMPANY, ONLY WAY TO CHANGE IS TO FAX YOUR REQUEST TO THE CARINGTON FAX NUMBER GIVING, I STARTED GETTING THE RUN AROUND RIGHT AWAY. FOURTH ATTEMPT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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:
I filed a complaint with CFPB already against Experian due to inaccurate information on my credit report I asked them to provide me with the purchase agreement or some form of proof that these debts belong to me I sent it certified mail and I have my receipt and copies it has been almost XXXX days and they refused to put a security freeze on any companies that they own denying me my right to privacy and did not send me proof of anything no documentation regarding my obligations or contracts I signed as it relates to my accounts my late payments were not updated to XXXX status no documentation or proof against any claim I made I still have XXXX negative accounts also that they still have on my report without giving me any proof or documentation and they still will not remove any inquiries that are not directly tied to an open account and remove all old phone numbers emails addresses and spellings of my name and update my information like they said they would do but never did

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 2025-02-16 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: NY

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/year>, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

As stated in my original letter, the address listed below is not associated with my residence history and must be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number XXXX XXXX Date of XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: SC

Complaint narrative:
Dear Experian, Equifax, and TransUnion, I am writing to you for the umpteenth time regarding the fraudulent accounts on my credit report. I have previously sent you multiple letters along with supporting documentation such as FTC reports, a police report, and an identity theft victim complaint and affidavit. Despite my repeated efforts, the inaccurate information continues to negatively impact my credit profile. 

As a consumer protected by the Fair Credit Reporting Act ( FCRA ) under XXXX XXXX XXXX XXXX XXXX XXXX I am formally requesting that you block all accounts that are a result of identity theft or fraudulent activity. It is imperative that you take immediate action to rectify this situation and prevent any further harm to my creditworthiness. 

I urge you to thoroughly investigate the information provided and take the necessary steps to ensure that my credit report is accurate and reflective of my true financial history. Failure to comply with the provisions of the FCRA could result in legal action against your organizations. 

I appreciate your prompt attention to this matter and expect a swift resolution. Please confirm in writing once the fraudulent accounts have been blocked from my credit report. 

Sincerely, XXXX XXXX XXXX. 

These are the accounts that are fraudulentXXXX 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 2025-02-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: WA

Complaint narrative:
Received a {$50.00} prepaid Visa Debit card as a gift. I have tried to use it online and in-store without luck. Constantly rejected as " potential fraud. '' I have tried contacting the company via the website and XXXX number, but there is no answer. When I use the website to check the balance, it says {$50.00} worth of value is stored on the card.

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 2025-02-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I had a savings account with 5/3 bank. On XX/XX/XXXX, I visited the bank and I was told that the interest rate on my account was 4.58232 %. Well, on XX/XX/XXXX, I had {$110000.00} in my account. On XX/XX/XXXX, I had {$110000.00}. On XX/XX/XXXX, my total balance was {$110000.00}. When I stopped by the bank on XX/XX/XXXX, I only had {$110000.00} in my account. As you can see, the interest rate from XX/XX/XXXX to XX/XX/XXXX took a major dive to around 1 % annually and the interest rate from from XX/XX/XXXX to XX/XX/XXXX was less than 1 % annually. 

Considering the above, I talked to a teller and he asked me to talk to a young officer in the corner office. This was on XX/XX/XXXX. I asked this young bank officer about the interest rate and he told me that the interest rate had dropped to 3 %. I told him that what I had received from XX/XX/XXXX to XX/XX/XXXX was around 1 %. He told me that he did not know what happened. He did not want to help and I closed my account. He gave me a check for {$110000.00} and he said " here you go buddy ''. This is to somebody who is old enough to be his father.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX XXXX XXXX XXXX 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 : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX BANK XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-16 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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting act FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unbearable accounts unresolved. The consumer financial protection bureau CFPB has recently filed a lawsuit against Experian, a legend, systematic issues, such as failing to forward consumer provided evidence to furnisher, excepting unreliable responses, and failing to adequately, notify consumers of dispute outcomes. These failures align with my experience, where experience has neither corrected nor removed, disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as experience in action, violates federal law, and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
I called USAA around XX/XX/year> to inform them I was being charged daily by XXXX for a rental car that I had less than XXXX hours. I put in a stop payment. The agent informed me that if the charge went through anyways, I could simply dispute the charge. The representative told me it would take up to 45 days for the dispute department to process the dispute. She asked me if I had documentation to add to the case. I did & informed her I would use my phone since I had the USAA app downloaded. 

I went to the app to upload all the evidence to dispute. I got a message from USAA at the end of XXXX ( around XX/XX/XXXX ). They gave me a vague answer as to why they found evidence that I was responsible for the charges. I downloaded copies with the answer that the USAA dispute department gave me on the document that was uploaded after the investigation. 

I didn't understand why they found me responsible, so I put in another request ( around XX/XX/XXXX ) The agent told me since it was a review it wouldn't be another 45 days to resolve this, it would only take 10 business. He also said to upload proof if possible, which I did. I uploaded my evidence again. I called USAA to ensure it was received. The representative took a look & stated she could see everything that I uploaded using the app. 

When I received another refusal from USAA on my dispute, it was 3 weeks later instead of 10 business as I was told earlier. The response was the same one I got almost 1 month earlier ( something along the lines " We investigated, looked at the evidence.. ) there wasn't any concrete reason given. I have both documents from the said investigations. 

On the dispute letters, USAA put the wrong date on the 1st refusal. When they informed me the 1st time, it was at the end of XXXX. I did NOT a month to put in a 2nd review

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 2025-02-16 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: MA

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 confidentially under 15 USC 1681. Account name : XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602A. 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 : 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 consumer to any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: MA

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 confidentially under 15 USC 1681. Account name : XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602A. 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 : 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 consumer to any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.

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 2025-02-16 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:
Dear Experian This letter serves as a formal dispute regarding inaccurate and unverifiable information on my credit report. Despite multiple attempts to address this matter, Experian has failed to conduct proper investigations and continues to report inaccurate information, in violation of the Fair Credit Reporting Act ( FCRA ) and as supported by the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian for sham investigations. 
The disputed accounts ) include : Account Number - XXXX Account Name - XXXX XXXX Account Number - XXXX Account Name - XXXX XXXXXXXX XXXX Account Number - XXXX Account Name - XXXX XXXX Account Number - XXXX Account Name - XXXXXXXX XXXX XXXX  Account Number - XXXX Account Name - XXXX XXXXXXXX XXXX XXXX Under FCRA XXXX [ XXXX XXXX. XXXX ], I am entitled to have fraudulent or unverifiable information blocked from my credit report upon providing proper notice. 
Additionally, the CFPB has documented Experian 's systemic failures to investigate disputes properly, including : Conducting sham investigations. 
Failing to provide consumers with accurate or consistent investigation results. 
Improperly reinserting deleted information. 
I have attached supporting documentation to substantiate my claim, including, police report, identity theft affidavit, account statements, previous dispute correspondence, Etc.

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 2025-02-16 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: CO

Complaint narrative:
XX/XX/year> there is a child support that shows I am behind XXXX that is not mine as you can tell by the state motions I amnot behind this removed

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 2025-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX of Inaccurate Information on Credit Report To Whom It May Concern : I am writing to formally dispute inaccurate information that your company, DEPT OF ED/XXXX XXXX has reported to the credit bureaus regarding my account. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which entitles me to dispute incomplete or inaccurate information in my credit file. 

While I have not specified the exact nature of the inaccuracy in this letter, I assert that there is incorrect information related to my account with your company. This inaccuracy is materially misleading and does not accurately reflect my credit history or current financial situation. 

Pursuant to the FCRA, I request that you conduct a thorough and reasonable investigation into this matter. As per section XXXX of the FCRA, you are required to review all relevant information provided by the consumer reporting agencies and by me regarding this dispute. Furthermore, in accordance with XXXX XXXX. XXXXXXXX XXXX XXXX XXXX, you must report the results of your investigation to all national consumer reporting agencies to which you provided the information if you find the disputed information to be inaccurate or incomplete. 

I kindly request that you provide me with copies of any and all documentation used to verify the accuracy of this information, as is my right under the FCRA. If you are unable to verify the accuracy of the disputed information or find it to be inaccurate, I demand that you promptly notify all credit reporting agencies to which you provided this information and instruct them to remove or correct it on my credit report, as required by section XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of the FCRA. 

Additionally, I draw your attention to the XXXX XXXX XXXX XXXX of XXXX, which may be relevant if this dispute involves a federal student loan. This Act provides specific protections and requirements for the collection of federal debts. 

Please note that, under the FCRA, you are required to respond to this dispute within 30 days of receipt. Failure to do so may constitute a violation of federal law. If you require any additional information or have any questions, please do not hesitate to contact me using the information provided below. 

I appreciate your prompt attention to this matter and look forward to a timely resolution. 

Sincerely, XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
i was in XXXX  XXXX  and they keep saying that it was no error so they making me pay by closing the account and i would like my account and sofi wont give me my XXXX some dollars and social secuity making me pay it back and they have information that they sent the check to them and sofi keep deinying it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: TX

Complaint narrative:
I am filing a complaint against Equifax & Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. despite my submissions, Equifax & Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's & Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax & Experian complies with federal law and provides consumers with the necessary proof of investigation.

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