vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
These hard inquiries are showing on my credit report. I have included the date of the inquiry, as well as the company name listed. I have never signed up for any of these credit cards, or even considered doing so. This is clearly fraud. 

XX/XX/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 I have attempted to contact Citibank, and it's nearly impossible to get a hold of anyone that will help, even through their Fraud XXXX 's honestly crazy. They'll either reconnect me to another department that can't help, or connect me to a number that has an automated system which will only ask me for my card details, which I do not have. It's very frustrating, and I worry that someone is going to end up receiving a card in my name and start racking up credit.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am applying for a mortgage and need to unfreeze all of my credit scores ASAP. Equifax is the only one that I have not been able to. Every time I log onto my Equifax it says they temporarily can not complete my request so I am not able to get into my account to unfreeze the credit. I tried multiple times for the past 24 hours with no luck. I also called them multiple times and they were unable to provide any help or ability to unfreeze my score.

I ended up making a new account with them as I saw online that worked. with the new account I am able to log in but it says " Freeze We are temporarily unable to retrieve the status of your security freeze. Please try again later. '' Once again when I call they are no help with fixing this. I need to get this frozen immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft feed I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. 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 transactions for my account or any account I was adjoined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: AL

Complaint narrative:
this complaint is about a dispute with Experian Credit Bureau failing to properly and thoroughly investigate a dispute made against XXXX XXXX XXXX account # XXXX we disputed this account due to inaccuracies of amounts and fraudulant activities. But all they did was go through their automated system and did not investigate properly by not requesting full disclosure of all financial documents to verify if account is accurate. Experian only took what XXXX XXXX service said. 

In accordance with Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy & consideration under 15 U.S.C. 1681 XXXX XXXX XXXX account # XXXX has violated my rights along with Experian. 
15 U.S.C. 1681 section 602A states i have right to privacy. 
15 U.S.C. 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) section states no consumer reporting 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 7 years.

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

Fair resolution is to delete this account immediately.

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 2025-01-28 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: SC

Complaint narrative:
This account was unable to be validated and the debt collector told CFPB on another complaint that this account was not validated with the previous proof provided and said they deleted the accounts from reporting on the credit bureau reports. The information is still showing to this date on my equifax credit report that it is in collections. It has not been deleted as they previously told CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
under 15 U.S. Code 1681i ( a ), I have the right to request an investigation of disputed information. I am demanding proof of the investigation that took place, including documentation of the permissible purpose for these inquiries and the name of the person or entity who authorized them. If this evidence can not be provided, the inquiries must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2025-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-28 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:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
1. Called Fay Servicing XX/XX/XXXX to ask " Why I was being assessed late charges? In XXXX Filed XXXX  and re-affirmed. Clerk could not answer why? transferred me to another XXXXept.

2. I requested a copy of their Accounting/Ledger records. This was on XX/XX/XXXX. Immediate response answer consisted in my email is being directed to appropriate department. Case will be reviewed and processed accordingly within 5 Business days. 

3. Paid XX/XX/XXXX Mortgage of {$620.00} which according to my XX/XX/XXXX Mortgage Statement, this payment has been put into a Suspense ( Unapplied Funds ). 

4. Paid XX/XX/XXXX which has not been posted yet. 

5. XX/XX/XXXX, received a notice that I am behind on my mortgage payment. 

6. To date, no accounting ledger has been received from Fay Servicing. Today is XX/XX/XXXX. 

7. In XXXX, I had began receiving SS/Disability and in receipt to me the XXXX of each month. In essence, I have paid each month around the XXXX of the month, which seem to not be an issue when I called Fay Servicing in XXXX. 

8. Currently this procedure implemented by Fay Servicing is not clear to me, and as to why my request has not been granted for a simple accounting. 

9. I am completely confused and not understanding why my requested is followed up with a delinquent letter, and funds now in a Suspense Fund? when I simply asked why I am being charged fees? and requested an accounting ledger? 


XXXX XXXX XXXX, and Mortgage Holder

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: WI

Complaint narrative:
Consumer name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA 605B ( 15 U.S.C section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft & fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of loans. XXXX with a balance of {$900.00}, XXXX  with a balance of {$5500.00}, & XXXX  with a balance of {$550.00}. The hard inquiries consist of 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 XXXXXXXX XXXX XXXX, XXXX XXXX XXXX. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Consumer name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA 605B ( 15 U.S.C section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft & fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of loans. XXXX  with a balance of {$900.00}, XXXX  with a balance of {$5500.00}, & XXXX with a balance of {$550.00}. The hard inquiries consist of 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 Via Dealer, XXXX XXXX XXXX, XXXX XXXX XXXX. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX XXXX : XXXX XXXX : XXXX This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency, block information on my consumer credit report that is the result of identity theft and fraud. These fraudulent activities have resulted in unauthorized collections accounts that I do not recognize and were not initiated by me. I have attached a list of these fraudulent collections accounts, along with a copy of my consumer credit report that highlights the disputed items. I have also included the FTC Identity Theft Criminal Complaint Number as proof that these items are the result of identity theft. XXXX bal XXXX {$590.00} acct. XXXX, XXXX Acct. XXXX {$65.00}. 
I have never given permission to anyone to report the above information to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 

The issue appears consistent with the recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions were settled with insufficient balances despite initially having adequate funds. I believe these practices were deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
This is a care credit card through synchrony bank. Most purchases, as they are over a certain amount of money are a deferred interest promotional balance. Occasionally, there will be a standard purchase, which does not have deferred interest. Every time I make a payment, they refuse to apply it to the standard purchase first despite calling in an speaking with representatives, managers, supervisors or messaging through the chat with a live agent option. I ask for the payment to be allocated to the standard balance first and they will do it. Then two weeks later, without my knowledge, they re allocate it again leaving a balance on my standard purchase. This time, they left XXXX XXXX remaining as the balance so they can charge the minimum interest charge. Last month I made payments almost double the amount of the standard balance and they still will not allocated it properly.

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 2025-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-01-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute the results of an investigation conducted by Equifax regarding errors on my credit report. Despite my request for a fair and thorough review, Equifax failed to properly investigate and correct the inaccuracies, which are negatively impacting my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I have for the last few months been dealing with a XXXX illness of XXXX XXXX  who just XXXX XXXX which was the reason for the first two complains are now since she has XXXX XXXX i planned to pay off the loan in the next 15 to twenty days waiting on now insurance compaby payout but when i tried to speak to someone they said i had to make a payment of some sort prior to exit payday while waiting on payout but iam unable to do so especially after paying all other out of pocket payment that was required until my lost i reallu need to speak with soneone this it my third complant

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
I am writing to 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 credits. 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.

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