vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 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: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX Child Supoort showing negative/ past due / delinquent balance on my credit report.

15USC 1681 I States that a consumer has the right to dispute any item on the consumer report that is innacurate or unverifiable. The same law says a consumer reporting agency has to investigate the dispute if it returns back claiming to be accurate, that would imply an investigation was done. It should have been investigated prior to appearing on my credit report. However it could not be verified because the case law says it should not be on a credit report. Therefore proving an investigation never took place prior to it being applied to my credit report. Failure to investigate is a breach and a violation of 15USC 1681 i This has caused me several declines of credit, business opportunities, embarrassment, stress, car loans, home approvals and job denials based off of a low credit score. 
GET IT OFF MY CREDIT REPORTS! Transunion, Equifax, Experian and XXXX XXXX XXXX XXXX are all XXXX parties involved. 

1581 Usc 1681N states that is Civil Liability ; causing me emotional damages of well over I would like for it to be removed immidiately from all XXXX of my credit reports. And for all agencies involved to provide me remedy in the cash amount of XXXX $ paid to me within 60 days. By check by mail to my home address.

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX Child Supoort showing negative/ past due / delinquent balance on my credit report.

15USC 1681 I States that a consumer has the right to dispute any item on the consumer report that is innacurate or unverifiable. The same law says a consumer reporting agency has to investigate the dispute if it returns back claiming to be accurate, that would imply an investigation was done. It should have been investigated prior to appearing on my credit report. However it could not be verified because the case law says it should not be on a credit report. Therefore proving an investigation never took place prior to it being applied to my credit report. Failure to investigate is a breach and a violation of 15USC 1681 i This has caused me several declines of credit, business opportunities, embarrassment, stress, car loans, home approvals and job denials based off of a low credit score. 
GET IT OFF MY CREDIT REPORTS! Transunion, Equifax, Experian and XXXX XXXX XXXX XXXX are all XXXX parties involved. 

1581 Usc 1681N states that is Civil Liability ; causing me emotional damages of well over I would like for it to be removed immidiately from all XXXX of my credit reports. And for all agencies involved to provide me remedy in the cash amount of XXXX $ paid to me within 60 days. By check by mail to my home address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: SC

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
Consumer complaint received 2025-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
XX/XX/XXXXXXXX XXXX ( Mohela )/ ( XXXX ) XXXX She said she will request a " Refund Fallout '' and gave me a queue number XXXX XX/XX/XXXXXXXX XXXX XXXX Received check in the amount of {$750.00} dated XX/XX/XXXX ( check # XXXX ) from Dept. Of Educ., FSA XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Mohela ) / ( XXXX ) XXXX She said accounting is still reviewing the overpayment and that she will call me to let me know the status within 7 days when they should have the review completed. She did call back and said that they are still reviewing it. 

XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Mohela )/ ( XXXX ) XXXX She said she will be escalating the {$4800.00} refund process and gave me a tracking number of XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX ( Mohela )/ ( XXXX ) XXXX She said the request for escalation for refund was canceled in XXXX of XXXX. She then transferred me to a different agent to assist me at XXXXXXXX XXXX 
XX/XX/XXXX XXXX XXXX XXXXXXXX ( Transferred from XXXX XXXX Said that a supervisor was reviewing my information. Then she transferred me to the Supervisor line. I was instructed to input a phone number so that a supervisor can call me back within 2-3 business days. 

XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - ( Mohela ) / ( XXXX ) XXXX She transferred me to a supervisor at XXXX am. 
XX/XX/XXXX XXXX XXXX  XXXX - Supervisor ( Transferred by XXXX ) She said that a letter was sent stating that I did not have to make a payment during Covid ( I did because I wanted to payoff the loan ) and that I could have requested a refund but didn't and now the time ran out since it expired on XXXX She searched and said that borrowers did not get a letter but that this information was and still is on Mohela 's web site. I could not find this information on their web site. Since I wasn't getting my refund back I asked for the corporate address. She gave me Mohela, XXXX XXXX XXXX, XXXX XXXX MO XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Context : I had an apple credit card and an apple saving account provided by goldman sachs bank. I set up autopay for my apple credit card using my apple saving account at the end of each month which is due date of my credit card payment. 

Timeline : XX/XX/XXXX I submitted autopay. I received it's completed and my apple wallet apple credit card shows no payment due. I paid full {$7500.00}. My apple saving account has {$80000.00} +. 
XX/XX/XXXX morning, I received notification from my apple saving account saying the {$7500.00} was declined. At the same moment, I was charged {$140.00} as interest charge of not being able to make full payment on due date. 

XX/XX/XXXX morning, I reached out to apple saving account team. They said they don't know why it got declined and not able to refund/waive my interest charge. Also, they informed me due to late payment my credit card was locked, and this also affected my saving account so that's also locked. This makes no sense to me. And they are not able to tell me why the transaction was declined at the first place since I have far more than enough fund in my saving account. 

After an hour phone call with the bank, I got no solution, no apology and no money back. 

I believe here goldman sachs bank is trying to earn interest charge from me by declining my payment and they don't wan na apologize or fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 2025-03-03 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: AZ

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-03 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: AZ

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 2025-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I went to pick up my new debit card on XX/XX/XXXX because PNC had failed to send me one in the mail despite my debit card expiring that same month. While I was at the bank, XXXX ( I do not know her last name ) asked me if I would like to apply for a credit card two separate times, I politely declined both times. Two hours after leaving the bank with my new debit card, having signed nothing or consented to anything other than receiving my new debit card ; I received a phone call saying that I was " accidentally '' signed up for a credit card. I have received no resolution to this issue and have been brushed off when I have asked for documentation regarding this card created in my name and without my consent. PNC has run my credit, thus lowering my credit score, and signed me up for a credit card without my request or consent and I demand a swift resolution to this issue, as well as accountability from the offenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: CL Holdings LLC
State: TN

Complaint narrative:
" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX XXXX XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 

Tips Remove any old or duplicate addresses from your report if they give you any issues tell them it is a non mailable address Remove any old or duplicate phone numbers Remove any variations of your name that are incorrect Place a security freeze on all your reports Remove all inquiries off my report Remove all late payments and collection off my report Opt out of the following agencies XXXX XXXXXXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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 writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. This is my second and final attempt to resolve this matter amicably. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX transunion

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 2025-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BREMER BANK, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I have filed a complaint with you people twice already, but you failed to do your job. You ask the criminals what they think and then tell me that the case is closed who does that to me is what I would like to know and who is their boss who is their supervisor? Bremmer bank took my entire income for the year from me and gave it to my ex-wife because she told them to do so this left me with no lawyer for the divorce hearing and forced me to live off of my elderly father for the entire year, this XXXX XXXX XXXX XXXX XXXX XXXX XXXX of dollars and cost me enough stress that it XXXX XXXX XXXX XXXX Bank will be held accountable by somebody. You can do your XXXX job that you get paid to do stop asking the people that did this thing to me what they think. Contact me if you have any questions what kind of an idiot contacts a thief and ask him if they stole something?? There was special rules in effect during Covid. They didnt just do this anytime they did it against company policy against our laws and our rules. They need to pay me for the loss and suffering that I have endured because of their actions. I want to know who is the person that is taking care of this that is reading this they need to be held accountable for not doing their job and helping the victim like theyre paid to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Marlette Funding, LLC
State: AR

Complaint narrative:
I am filing a formal complaint regarding identity theft and fraudulent accounts opened in my name. I am requesting immediate action to rectify the damage to my credit report and hold the responsible parties accountable. My personal information was compromised online resulting in many fraudulent accounts being opened. The following accounts are fraudulent. I did not authorize these accounts or authorize my information to be used to open these accounts : XXXX XXXX XXXXXXXX {$2400.00} Pursuant to [ FCRA 15 U.S.C . 1681c-2 ] ( Section 605B ( a ) ), I am providing the following documentation as required for the blocking of information resulting from identity theft : 1. Proof of my identity.

2. A copy of my identity theft report.

3. Identification of the fraudulent information.

4. This statement that the information is not related to any transactions I have made.

Also pursuant to [ FCRA 15 U.S.C. 1681c-2 ] ( Section 605B ( a ) ), I demand that you immediately block the reporting of all information related to these fraudulent accounts and the mortgage default, as required by law within 4 business days upon receipt of this letter.

I am prepared to pursue all available legal remedies, including those afforded by [ FCRA 15 U.S.C. 1681o ] ( Section 617 ), to recover any actual damages sustained as a result of this negligence and to seek reimbursement for legal fees incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: FL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-03 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: MI

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: IL

Complaint narrative:
I sent a complaint to the credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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