vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: Selene Holdings LLC
State: CA

Complaint narrative:
Over 2 years ago Selene put up our escrow account and our payment went out before we realized ( autopayment ). So we sent the difference ( about {$350.00} ish ). But they never applied it and every month would show us a month behind on our payments. We have spent hours calling, emailing and trying to resolve this issue. We even finally got a letter from Selene stating that they found the payment and would apply it but never did. About a month ago o finally got someone to say they would apply it but instead they completely messed up the entire acount and instead of saying I am XXXX month behind they say I own $ XXXX! They wont address my emails even though I can prove payment from my bank every month since the inception of the loan! When I call they say a XXXX  will get back to me but no one ever does! Its fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 non-monetary relief
Consumer complaint received 2025-01-29 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: NY

Complaint narrative:
Experian has failed to fulfill its leg obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonab reinvestigation of disputed inforn credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed hard inquiries despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed inquiries, as Experian 's inaction violates federal law and my rights as a consumer. I did not authorize and/or give permission to these companies to run inquires, nor do I have any accounts with them.

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 2025-01-29 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: NV

Complaint narrative:
Upon checking my credit report I have discovered fraudulent accounts these accounts are XXXX  XXXX opened on XX/XX/XXXX with account number XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX XXXX with account number XXXX opened on XX/XX/XXXX, these accounts are fraudulent remove them from 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 2025-01-29 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: MI

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred. Despite having sufficient when transactions were authorized. I was charged fees due to lagged postings 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 transactions 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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have reached out to this company several times about a charge card that does not belong to me. They have been reporting a negative account on my report and I need them to remove it. I have requested documents of this said agreement and never received anything. They are reporting one amount on my credit report, but they sent me a 1099-C which is them acknowledging that this said debt has been canceled and or forgiven for a lesser amount. They are reporting one thing, but are claiming another and that is not permitted. I sent notice to opt out of them sharing my personal information until this account can get addressed, and they failed to do that too. And, if the company has been paid then they should not be reporting anything 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 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute an entry on my credit report that I believe is inaccurate or incomplete. This entry appears to be a result of incorrect information and violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate and up-to-date records. The entry I am disputing is related to [ Equifax ], listed on my credit report under account number [ XXXX and XXXX ]. I have reviewed the information on my report and have determined that it is either inaccurate, incomplete, or otherwise unverifiable. Specifically. Under the FCRA, credit reporting agencies are required to investigate and resolve disputes regarding inaccurate information within 30 days of receiving a request. As such, I am formally requesting that XXXX conduct a thorough investigation into the validity of this entry and provide me with the following : XXXX. Documentation proving the accuracy of the information reported. XXXX. Evidence that the debt is valid and belongs to me, if applicable. XXXX. Any verification that the creditor has reported the debt accurately. If XXXX can not provide sufficient documentation or evidence to support the reported entry, I am requesting that the entry be immediately removed or corrected from my credit report, as required by law. Please note that under the FCRA, if this information is not verified as accurate, you are obligated to delete it from my credit file. Additionally, I expect that any future reports will reflect the corrected information once the dispute has been resolved. Kindly confirm receipt of this letter and notify me of the results of your investigation within the 30-day period prescribed by the FCRA. Should you fail to provide satisfactory evidence or fail to resolve the dispute in a timely manner, I will pursue further action to ensure compliance with consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: GA

Complaint narrative:
I looked at my report on XX/XX/XXXX and noticed some things are incomplete and not accurate. I sent a letter to Experian on XX/XX/XXXX and asked them to investigate the completeness and accuracy. I received the results and noticed they did no fix nothing. They are breaking the law. 
According to 15 USC 1681 e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

So i then asked them to provide me a description of the investigation according according to 15 USC 1681 i ( 7 ) : Description of reinvestigation procedure. 

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 explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX I initiated a transfer from XXXX  XXXX credit card to Wells Fargo, the amount that was supposed to be pulled over to Wells Fargo was {$7300.00} which was the amount on my last statement from XXXX  prior to transfer. I noticed later that afternoon Wells Fargo pulled over 2 balances of {$7600.00} and {$1400.00} which is more debt and money then what was supposed to be transferred over from XXXX. This totals to {$9100.00}. XXXX I now owe which is more than the {$7300.00} which I actually owe in debt. I have called wells Fargo multiple times since XX/XX/XXXX to fix this problem I have asked to adjust the transfer they reported the transfer as fraud when it wasnt Fraud because I did initiate a transfer but I did not initiate that amount, I did not initiate more debt then I already have. I have asked them to cancel the transfer and to reverse it back to XXXX since they could not fix the problem and they were supposed to do so and said to wait 30 days but then Wells Fargo then wiped the XXXX and XXXX from my account leaving me with nothing to owe, I called them asking where the money went on XX/XX/XXXX and they told me they didnt know and that they were confused I have broken down the situation to them multiple times I have been transferred to multiple different people still no answers I was told I was gon na receive a call from a case management and had to wait XXXX more days form XX/XX/XXXX. I logged on to my online account with Wells Fargo on XX/XX/XXXX today and noticed the XXXX and XXXX was now back in my Wells Fargo account back to the very beginning with more debt than I owe. And they adjusted the posting dates to XXXX when they were not there this past Monday. 

The XXXX balance is from my XXXX XXXX  statement from XXXX XXXX XXXX so I see where they got that number but I made payment of {$500.00} to my XXXX account prior to my transfer on XX/XX/XXXX. Then my next statement was for XX/XX/XXXX- XX/XX/XXXX of {$7300.00}. I have no idea why and where they got the {$1400.00} number

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 2025-01-29 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:
**Formal Dispute of Inaccurate Credit Reporting under the FCRA** **To Whom It May Concern, ** I am formally disputing inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. This law requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised serious concerns about XXXX failure to properly investigate consumer disputes. 

In a lawsuit filed against XXXX, the CFPB alleges that the company engaged in inadequate investigations, violating consumer protection laws and failing to meet its obligations under the FCRA. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is legally required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Additionally, per 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to comply with these provisions constitutes a violation of federal law.

I formally request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items : Such as XXXX, any other bill on my account 2. Provide all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as required by law.

Given the CFPBs recent findings, I expect XXXX to address this dispute with the highest level of diligence and in full compliance with legal requirements.

I have enclosed a copy of my identification and relevant supporting documents to assist in your investigation. Please provide a written response confirming the results of your reinvestigation.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
**Formal Dispute of Inaccurate Credit Reporting under the FCRA** **To Whom It May Concern, ** I am formally disputing inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. This law requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised serious concerns about Experians failure to properly investigate consumer disputes.

In a lawsuit filed against Experian, the CFPB alleges that the company engaged in inadequate investigations, violating consumer protection laws and failing to meet its obligations under the FCRA. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is legally required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Additionally, per 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to comply with these provisions constitutes a violation of federal law.

I formally request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items : Such as XXXX, any other bill on my account 2. Provide all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as required by law.

Given the CFPBs recent findings, I expect Experian to address this dispute with the highest level of diligence and in full compliance with legal requirements.

I have enclosed a copy of my identification and relevant supporting documents to assist in your investigation. Please provide a written response confirming the results of your reinvestigation.

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 2025-01-29 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:
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 unverifiable accounts ureseolved

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 2025-01-29 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: LA

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards XXXX, Transunion, and XXXX for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.

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 2025-01-29 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 have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards XXXX, XXXX, and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: CA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-29 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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