vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I'm disputing of the debt collection notice I received on XX/XX/XXXX, regarding account number IC Systems Debt Collector Account # XXXX, purportedly representing a debt owed to XXXX. I dispute the validity of this debt in its entirety due to the existence of a valid and active Settlement Agreement with XXXX  concerning the underlying loan. 

On XX/XX/XXXX, I entered into a legally binding Settlement Agreement with XXXX  to resolve an outstanding balance of {$15000.00}. The terms of this agreement stipulated a reduced settlement amount of {$7500.00}, to be paid in monthly installments through XX/XX/XXXX. 

XXXX has erroneously claimed that I defaulted on the XXXX XXXX by failing to make the XX/XX/XXXX payment. This assertion is demonstrably false and without merit. 

Upon receiving the collection notice, I immediately contacted XXXX on XX/XX/XXXX, to rectify this error. A XXXX representative acknowledged the potential discrepancy and requested proof of my XX/XX/XXXX payment. I promptly provided irrefutable evidence, specifically a screenshot confirming a successful payment made on XX/XX/XXXX well in advance of the scheduled due date of XX/XX/XXXX. The reference number for this communication with XXXX is XXXX. Despite this evidence, the issue remains unresolved with XXXX XXXX. 

Furthermore, I have also documented this payment and the erroneous default claim in a response to XXXX 's feedback to the CFPB. To date, I have not received a response to this feedback, indicating a lack of due diligence on XXXXXXXX XXXX  part. 

Given the existence of the valid Settlement Agreement and the documented proof of my timely XX/XX/XXXX payment, the debt XXXX is attempting to collect is factually inaccurate and legally invalid. 

I further request a thorough investigation into this matter, including a review of XXXXXXXX XXXX records and the evidence I have provided.

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 2025-05-28 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: OK

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: NM

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX  Balance {$1300.00} Open Date XX/XX/XXXX XXXX XXXX  XXXX  Balance : {$820.00} Open Date XX/XX/XXXX XXXX Balance : {$2100.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX : {$22000.00} Open Date XX/XX/XXXX XXXX XXXX  XXXX : {$2000.00} Open Date XX/XX/XXXX XXXX XXXX  XXXX : {$1700.00} Open Date XX/XX/XXXX XXXX XXXX  XXXX : {$1100.00} Open Date XX/XX/XXXX XXXX Balance XXXX {$160.00} Open Date XX/XX/XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX Inquiries : XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX  XXXX XXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Date 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 non-monetary relief
Consumer complaint received 2025-05-28 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: IL

Complaint narrative:
I am filing this complaint because EXPERIAN is reporting fraudulent and inaccurate information on my credit report. I have identified one or more accounts that do not belong to me and are the result of identity theft or unauthorized use of my personal information. I previously notified EXPERIAN of the fraudulent accounts and submitted documentation including a police report and FTC Identity Theft Report pursuant to the Fair Credit Reporting Act ( FCRA 605B ). 

EXPERIAN has failed to comply with its obligations under FCRA by continuing to report this false information without conducting a reasonable investigation or deleting the fraudulent items. Furthermore, this reporting violates Metro 2 guidelines and furnisher compliance policies outlined by the Consumer Data Industry Association ( CDIA ).

I am requesting immediate deletion of the fraudulent accounts from my credit report and that EXPERIAN notify all parties who accessed my report within the last 6 months of the correction, as required by law.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX    - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for CFPB Investigation into Inaccurate Credit Report Information To Whom It May Concern : I am writing to formally request that the Consumer Financial Protection Bureau ( CFPB ) initiate an independent investigation into multiple inaccuracies and incomplete information on my credit reports. Despite numerous attempts on my partincluding submitting written disputes and supporting documentation to the major credit reporting agencies ( Equifax, Experian, and TransUnion ) these issues remain unresolved.

The information in question continues to negatively affect my credit profile, despite my good faith efforts to correct it. I believe the credit bureaus have failed to conduct reasonable investigations as required by the Fair Credit Reporting Act ( FCRA ). 
For your review, I have enclosed documents that include copies of the disputed credit report entries. I have highlighted and outlined all inaccurate and incomplete information within the attached documentation for clarity. Also included are copies of my previous dispute letters and any responses I have received from the credit bureaus. 
I respectfully request that the CFPB investigate this matter directly and take appropriate action to ensure that my credit reports reflect only accurate and verifiable information. It is vital that the integrity of the credit reporting system be upheld, and that consumers like myself are not left without recourse. 
Thank you for your time and attention. I appreciate your assistance and look forward to your response. 
Enclosures : Highlighted and outlined copy of inaccurate credit report items Copies of previous dispute letters Sincerely 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 2025-05-28 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: AZ

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-05-28 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: LA

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 2025-05-28 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: MA

Complaint narrative:
XXXX XXXX got a fraudulent inquiry using my Social Security number. With your help, they admitted it was their error. They said they contacted the 3 reporting agencies to tell them to take it down.

Transunion has not removed it yet. I've asked them twice. The person who answers the phone or text has no authority to do anything other than waste people 's time, so she said -- twice -- she would escalate it. 

Well, months later, it is still there. The Transuniun case file is 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 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: NC

Complaint narrative:
Notice, it is a fact, affiant XXXX XXXX is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition National Recovery Agency has committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) as seen in Exhibit Attached below and information associated with Account number XXXX must be removed. 

Notice, it is a fact, affiant XXXX XXXX is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition XXXX XXXX XXXX XXXX XXXX has committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) as seen in Exhibit Attached below and information associated with Account number - XXXX must be 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 2025-05-28 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: DISCOVER BANK
State: FL

Complaint narrative:
hard Inquiries from these companies that i don't recognize names and the dates my credit was pulled. 

DiscoverC 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 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 XXXX XXXX XXXX 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 2025-05-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and the named beneficiary of a XXXX ( XXXX XXXX XXXX XXXX XXXX  ) account with Chase Bank in the state of Florida. I reached the age of majority for this account in Florida, which is XXXX XXXX XXXX. Under Florida law, at that point, the account should be transferred fully into my name. 

When I contacted Chase to request the transfer, they informed me that I would still need either a court order or my mothers approval. However, based on my understanding of Florida XXXX law, neither of these requirements are legally necessary once the beneficiary reaches the age of majority. Chases internal policy is directly blocking access to funds that legally belong to me. 

I believe Chase is violating XXXX XXXX statute and is withholding my funds without justification. I am filing this complaint because I need this account properly transferred into my name and to hold Chase accountable for not complying with Florida law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas, XXXX XXXX XX/XX/2025 Equifax XXXX XXXX XXXXXXXX, XXXX, GA XXXX. 

Subject : Formal Dispute of Inaccurate Credit Report Information Under the Fair Credit Reporting Act ( FCRA ) Dear Equifax I am writing to dispute the following inaccurate item ( s ) in my credit report as provided by your agency. This letter serves as a formal notice under the Fair Credit Reporting Act ( FCRA ), specifically citing : 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy ; 15 U.S.C. 1681i, which mandates that consumer reporting agencies reinvestigate disputed information within 30 days.

Disputed Information : XXXX Name : XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : Inaccurate Dates The above item ( s ) are inaccurate and damaging to my credit profile. I request that you conduct a thorough reinvestigation of the disputed information. If you are unable to verify the accuracy, completeness, or ownership of this data, you are legally obligated to delete it from my credit report.

Supporting Documents Enclosed : A copy of my credit report with the disputed item ( s ) clearly highlighted Please respond in writing with the results of your investigation within 30 days, as required by FCRA guidelines. If the information is found to be inaccurate or unverifiable, it must be removed or corrected immediately.

If this matter is not resolved appropriately, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and consider legal action to protect my rights under federal law.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PNC Bank N.A.
State: PA

Complaint narrative:
In early XXXX I submitted a formal request to PNC Bank to modify my mortgage loan by removing the escrow requirement, which covers property taxes and homeowners insurance. This request was made as a reasonable accommodation under the Fair Housing Act due to a documented XXXX and financial hardship. At the time, I had been without income since XX/XX/year>, following the denial of Short-Term XXXX benefits in XX/XX/year>. 

Rather than acknowledging or processing the request under federal accommodation law, PNC treated the request as a standard escrow waiver and denied it via letter dated XX/XX/year>. This letter was not received by me until it was included in their XX/XX/year> response to my original CFPB complaint. 

My monthly mortgage payment is {$1700.00}, of which only {$520.00} is principal and interest. The remaining {$1200.00} is for escrow. Despite having the ability to pay the principal and interest, PNC returned a payment of {$1600.00} in early XX/XX/year> and has refused to accept any partial payment, leading to a delinquent balance of {$8000.00}, over 70 % of which is escrow. This decision has damaged my credit and jeopardized my housing security. 

I have submitted a formal appeal with supporting documentation, including : A hardship statement XXXX denial letter Loan modification application Proof of returned payments Prior communication logs As of XX/XX/year>, PNC has not engaged in a meaningful interactive process regarding the accommodation request. Their denial relies on internal risk metrics, despite my significant equity in the home and demonstrated willingness to maintain payments. 

I am requesting the CFPBs continued support and will submit a new formal complaint with attachments. I am also filing complaints with HUD, the PA Human Relations Commission, and other relevant regulatory agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: IN

Complaint narrative:
I am formally requesting that you block and remove the unauthorized accounts currently appearing on my credit file. I did not create or authorize these accounts and do not recognize their origin. As outlined in USC 1681g, I ask that these accounts be removed within 15 days. Enclosed are documents for your thorough review. Please also be advised that the information reported across credit bureaus is inconsistent and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: AL

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 168b permissible purposes of consumer reports. 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. 
ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER:XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER:XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX  ACCOUNT NUMBER:XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER:XXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX XXXX XXXX  NUMBER:XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME:XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER:XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER:XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Navy federal credit union is taking 3-5 days to process transactions just to purposely hit with overdraft fees. This is happening during weekdays they will refund the account all the transactions money so people believe they have funds and then will withdraw the balance that has been sitting for days that people think is rectified and then hit with NSF or overdraft fee

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation