vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Since XX/XX/year> my underaged nephew and son jumped on my XXXX and placed a lot of bets from my navy federal account. Navy federal denied my claim because they said I used my account to bet before which I did but that amount was for XXXX bucks .. the kids was betting XXXX at a time! Racking up XXXX in loses. The account wasnt evenn being used for anything else but XXXX XXXX And food here and there so all the money went to XXXX 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 2025-05-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
I paid a second mortgage payment in the month of XXXX of XX/XX/XXXX {$580.00} because the XXXX payment I sent by mail XXXX XXXX of {$580.00}. was held up in the mail. Freedom Mortgage received and cashed both checks. After reaching out to them from mid XXXX through mid XXXX, talking with literally ( XXXX ) different people, half of those people assured me that the extra payment would be applied to my XXXX mortgage. It wasn't, XXXX of the last representatives I talked to over the phone demanded that I pay again for the month of XXXX, in which I did paid {$620.00} on XX/XX/XXXX. I pay my mortgage each and every month consistently with no late payments. I have the documentation from their records verifying my claim. I'm a senior citizen on a fixed income and this injustice forced me to apply for a hardship consideration. Thankfully I was able to maintain my payments without fail. Obviously they made a mistake on their end and expect me to pay a double payment in which I did. XX/XX/XXXX and XX/XX/XXXX both of {$580.00}. I have copies of my payment history dating back to XXXX confirming all that I'm stating.

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 2025-05-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NC

Complaint narrative:
I received my quarterly statement, on XX/XX/XXXX, and it reflected a total balance due ( for XXXX student loans ) of {$7300.00}. Between XX/XX/XXXX and XX/XX/XXXX, I used the website to designate payments to each respective loan, totaling {$9900.00}, that were sufficient to pay off the remaining XXXX loans. 

The payments did not post, as I indicated they should, and now Mohela shows I owe a balance of {$840.00}. 

I sent a message on the Mohela website to find out why I owe a balance, and they said that because the payments were made within XXXX  days of the last disbursement, it can take up to XXXX business days for the payment to post. 

This reason provided conflicts with the information shown on their website, because it shows the last XXXX loans that I owed were disbursed on XX/XX/XXXX and XX/XX/XXXX respectively. All payments should have been immediately credited to my account, as indicated when I used the " Custom Pay - Specify for Each Loan '' option, on the Mohela website. 

MOHELA has failed to apply these payments correctly and continues to report a balance on my account. As a result, my credit report reflects an inaccurate debt obligation, which is both false and harmful to my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: RI

Complaint narrative:
On XX/XX/XXXX, at around XXXXXXXX XXXX, an American Express Serve Representative ( Female ) neglected her due diligence to communicate to me, the customer, that my American Express Serve card would be canceled. Since my expiration date on the card is XX/XX/XXXX I called American Express Serve to go ahead and order the new card. After all, XX/XX/XXXX is only about XXXX months away. 
After I ordered the new card I went back to work. Later in the day, I went to use the same card at the vending machine at work. That is when I learned the card was declined. Immediately, I called American Express Serve and told the American Express Serve Representative ( Male ) to turn my current card back on so I can pay my bills and handle my financial business. The card has {$300.00} on it. The American Express Serve Male denigrated me as he continued to say, " We can not turn your card back on, your card is declined and you will have to wait to get the new card in the mail in XXXX - XXXX business days. '' He repeated himself. I asked for a manager. At first, the American Express Serve Representative ( Male ) continued to be repetitive.

Finally he transferred me. The American Express Serve Manager ( Male ) followed the statement of the previous representative and told me, " We can not turn our card back on.... '' I am devastated!! This means I will have to go XXXX weeks without access to my funds. My direct deposit is set up through that same card. My car is in need of being towed to a repair shop... There are a lot of things I planned to take care of with the card. 
Additionally, for months I have conveyed to the American Express Serve employees that I have been unable to access my account online.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
So firstly I want to say that I have numerous things I am writing about. Firstly I was XXXX  from the dates of XX/XX/XXXX - XX/XX/XXXX. During this time somebody committed identity theft on me, took my money, opened numerous credit cards & tanked my credit score from XXXX down to the 500s. This bank I have does NOT want to be held responsible even after I have contacted them numerous times about the tragedies that happened to me. I submitted XXXX  dates, police reports on the person that did this ID theft to me, companies like XXXX XXXX XXXX and XXXX  that have refunded my money & helped me with other issues during these dates of ID theft & have deemed it was infact ID theft, but Navy Federal does not want to help me & claims it was me and it is not ok. I am disputing XXXX entire credit cards that were used, both of which were OPENED and USED during my XXXX  dates so it couldn't have been me. I am writing about the entirety of both credit cards, all payments going to those cards from my money still, and all the money that was stolen from my checking account aswell.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: MS

Complaint narrative:
XXXX XXXX had access to my file without my consent and thats against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: AL

Complaint narrative:
Subject : Request for Removal of Adverse Information Under FCRA 605C ( XXXX XXXX ) To Whom It May Concern, I am writing to formally request the removal of adverse information on my credit report that resulted from my experience as a victim of XXXX XXXX, in accordance with Section 605C of the Fair Credit Reporting Act ( FCRA ). 

This section, established under the Debt XXXX  Repair Act, requires consumer reporting agencies to block and remove any information furnished by a XXXX  or that resulted from XXXX  activity once a valid request has been submitted. 

I am requesting the deletion of the following item ( s ) from my credit report : Attached you will find my disputed accounts. 


XXXX  Documentation A determination from a federal, state, or tribal governmental entity or court indicating that I am a victim of XXXX. 
Documentation from a non-governmental organization or XXXX  XXXX  XXXX XXXX authorized to make such a determination. 
A Statement of the Specific Adverse Information Attached is my signed statement identifying the specific accounts and tradelines that resulted from XXXX-related activity and should be removed. 
Please treat this request with the urgency and confidentiality it demands. Under federal law, you are obligated to block and delete the identified items and provide confirmation of this action. 

I request a written response within 4 days confirming the deletion of the information in question. Should you need any additional information to complete this process, please notify me promptly in writing. 

Thank you for your attention to this urgent matter. 

Sincerely,

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 2025-05-23 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: CA

Complaint narrative:
My credit reports from TransUnion, XXXX, and XXXX  all show late payments reported on my XXXX XXXX auto loan account ending in XXXX. I dispute the accuracy of these late payment entries, as they do not reflect my actual payment history with this account. The reported late payments appear to be either erroneous or incorrectly attributed, causing significant damage to my credit score and financial reputation. These inaccuracies are troubling as I have always made payments on time or within any allowed grace periods. The presence of such misleading information is unjust and negatively impacts my ability to obtain fair credit offers, resulting in financial and emotional distress. 

Furthermore, I am concerned that these late payment inaccuracies may stem from a potential data breach or errors in the reporting process, which calls for an immediate and thorough investigation by each credit bureau. Under 15 U.S.C. 1681i, each bureau is legally obligated to conduct a complete and reasonable reinvestigation of disputed information within 30 days. Failure to do so not only violates the Fair Credit Reporting Act ( FCRA ) but also inflicts ongoing harm to my creditworthiness, which is both unfair and unlawful.

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 2025-05-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Freedom Mortgage Company
State: HI

Complaint narrative:
The Buyer 's of my home have been trying to submit an application to assume my VA loan since prior to XX/XX/XXXX. I initially called Freedom Mortgage to request an assumption on my loan on XX/XX/XXXX. They ignored my original request completely, requiring my husband to call the following day to request again and them send the required documents. The documents were sent immediately on the XXXX and the company did not respond that they needed futher authorization paperwork until XX/XX/XXXX, which should have been sent with the original request. The paperwork was returned the same day on the XXXX and the buyers were not contacted until the XXXX, saying that they will have an appt on XX/XX/XXXX to go over their application to assume and that it would be up to 90 days from that date. The company has been trying to drag this process out for as long as possible and I believe they are trying to sabotage the assumption by drawing out the process.

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 2025-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: MD

Complaint narrative:
I am submitting this complaint against XXXX due to unethical changes in my repayment schedule ( without my consent ) that resulted in a falsely labeled late payment. 

On XX/XX/year>, I made a purchase using XXXX. According to their typical biweekly payment model, my next installment should have been due on XX/XX/year>. Instead, it was moved up to XX/XX/XXXX due to an automatically enabled Preferred Payment Day feature, which I never turned on. 

Despite my communication and attempts to resolve the issue, XXXX has refused to amend the due date, acknowledge their error, or restore my spending limit. They have admitted in writing that this feature is automatically enabled on new orders, this is a deceptive and unfair practice that punishes responsible customers without adequate consent. 

I request the CFPB review this practice for compliance with fair lending and billing standards and assist in compelling XXXX to restore my correct billing schedule and account standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-23 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
The companies charged off the debt but still saying I owe for the dept. According to FCRA section 605B it is illegal to report anything on my credit report without my permission.Please remove all negative report to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On my Experian credit report, my name is reported as XXXX XXXX XXXX, which is partially correct but lacks other legitimate name variations associated with my identity. The failure to include all valid name formats or to properly standardize my name can cause inaccuracies and issues with matching my credit history properly across various financial institutions. 

Maintaining accurate personal identifiers is essential for the integrity of my credit file and to prevent mix-ups with other consumers. Experian has an obligation under the FCRA ( 15 U.S.C. 1681e ( b ) ) to ensure accurate and complete consumer information. The inaccuracies or omissions regarding my name on my Experian report suggest insufficient data verification processes, which may be related to recent concerns about data breaches affecting credit reporting accuracy.

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 2025-05-23 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:
Im writing again because a fraudulent account continues to show up on my credit report, despite my previous efforts to resolve this. This has gone on far too long and is extremely frustrating. My personal information is still incorrect, and its allowing this false accountone Ive never had any connection toto appear on my file. Ive been a victim of identity theft. I followed protocol, filed an FTC Identity Theft Report and police report as instructed by TransUnion, and submitted the necessary documentation. Yet the account remains.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: TX

Complaint narrative:
Kick off reporting inaccurate information on my credit report multiple times I closed this account they are reporting late and closed and last day of payment is duplicate to close date they have been reporting late on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am disputing the accuracy of an account reported by Navy Federal Credit Union on my credit report. The account in question is marked as closed, yet it is still reporting late payments, a charge-off status, and a balance. This is inaccurate and misleading. 

Under the Fair Credit Reporting Act ( FCRA ), data furnishers are required to ensure that information reported to credit bureaus is accurate and up to date. A closed account should not continue to report new delinquencies or balances if the account was settled, discharged, or otherwise resolved. I have contacted the creditor and the credit bureau ( s ) to correct this inaccuracy but have not received an appropriate resolution. 

I am requesting the CFPBs assistance to investigate and have this account either corrected or removed from my credit report, in accordance with the FCRA.

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