vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
last XXXX I received a letter stating that they have not received proof of insurance. I contacted my insurance company and they said that they had sent it but would send it again. In XXXX I received another letter saying that they still have not received the proof of insurance, this time I sent it to the web address they provided in the letter. XXXX weeks later I received another letter stating that they still have not received proof of insurance and they charging me with a policy from there company. I called in XXXX and talked to the insurance department, she contacted my insurance company on the phone while I was on the phone and gave them the information needed to send it over. she call me back the next day saying the they have not received it yet, so this time I sent it to wed address she gave me and the next day she called back and told me that she has all the information she needed and I would not be charged and everything had be taken care of. XXXX I get another letter saying that I owe XXXX for insurance, I called again asked about this and I was told that the matter had been taken care of and it takes time to process. XXXX weeks go by and I get another Email saying I still own for the insurance. after calling a few more times, flnally talked to someone that would address the problem. In this conversation mentioned that they have received the proof of insurance 6 times, she said if I sent them the XXXX they would send me a check for XXXX this would cover the amount I sent them plus excess escrow in my account. I did receive the check and after 6 months of calls this issue was finally solved. 
now XXXX receiving letters that I am 1 month behind in payments. I searched my records and found that have not missed any payments I then searched my account on line and found that they received my XXXX but did not credit it to my account. I called about this and the person I talked to said that saw the issue with the XXXX payment and would correct it. XXXX weeks later I get a letter stating that I am 1 month behind in my payments and I was getting late charges add on. 
after what I went through to get the insurance, am not going to go another several months calls to get this straightened out. 
The negligence and apathy of this company is amazing and there customer service is a joke

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 2025-05-04 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: TX

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXXXX/XX/scrub>/2024 -- {$190.00}

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
Consumer complaint received 2025-05-04 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 recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove this account from my report and files, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
Between XX/XX/XXXX thru the XXXX, I was contacted from a XXXX party XXXX. Requesting to assist me on paying back property taxes. I explained no because I'm current. I immediately contacted the city property tax department. They explained i am XXXX yrs behind and they have no company on file for an escrow company. They explained i am XXXX ( round about ) behind. They are in the process of putting a tax deed on my home. Called my mortgage company, planet home lending escrow department. I was told they was making payment on the wrong parcel # for the past 3 years. As of today, XX/XX/XXXX XXXX XXXX had taken ownership of my home by tax deed. Mortgage company explained my situation got escalated and to wait for a follow up. I NEED HELP!!! @

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: DE

Complaint narrative:
On XX/XX/year> I sent my FTC report along with my date drivers license to Experian, Transunion  and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I applied for a Citi/AAdvantage XXXX XXXX XXXX XXXX XXXX XX/XX/year> online. I immediately received approval and the credit card in one week. I started using the credit card. Subsequently, I received a letter from Citi/AAdvantage on XX/XX/year>, that my account will be closed on XX/XX/year>, because the XXXX XXXX XXXX XXXX XXXX account is closed. I immediately called Citi and XXXX XXXX XXXX program to verify the information and update any information as I do have an active American AAdvantage membership account. I received a letter on XX/XX/year>, from Citi/AAdvantage XXXX XXXX in response to my telephone inquiry my credit card account has been updated to show my active XXXX Airlines XXXX XXXX. However, Citi/AAdvantage still closed the credit card account on XX/XX/year>. I then called to inquire about the reason for closure. I was not given any information regarding the reason for closure, at that point I requested that since there is no legitimate reason for closure either the credit card company should reopen the account, or I would request the {$590.00} annual fee to be refunded. To date I have not heard back from the credit card company. I believe the credit card company should refund me the annual fee as I did not have the account for the entire year and the account had been closed by the company and that it is fraudulent for the credit card company to charge for service not provided or they should reopen the account.

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 2025-05-04 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$21000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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 HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
I was XXXX  for one year and my ex boyfriend got my phone and hacked into it transferring and spending my money that was deposited in my account from social security XXXX. The amount of approximately XXXX dollars. The online account was chime and they refused to pay the money back. They credited {$29.00} and {$35.00}. 
I sent documents showing my XXXX dates and the police report and criminal charges have been filed, however they have denied my disputes. 
I don't understand how it was not a red flag that I was frauded.... they even allowed him to transfer my account to his phone number therefore, his phone as well. He was also using my XXXX XXXX XXXX transferring large amounts of funds to people for cash withdrawals. This should have frozen my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: VA

Complaint narrative:
Cash App closed my account unexpectedly. I disputed this and they would provide absolutely not details why it was closed nor how to access it again. As a result someone else had to manage my child 's cash app account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
CFPB Complaint Narrative Company : Navy Federal Credit Union Product : Credit card Issue : Unauthorized transactions Account/Card Ending : XXXX Date of initial dispute : XX/XX/2024 Amount disputed : {$480.00} I am filing this complaint to report and document my ongoing dispute with Navy Federal Credit Union regarding unauthorized transactions on my credit card ending in XXXX. 

I initially submitted a fraud claim to Navy Federal on XX/XX/2024, disputing charges totaling {$480.00}. These were all online transactions for items I did not authorize, including purchases from XXXX and a charge related to XXXX  medication. I did not receive any of the merchandise from these charges at my residence. My card was in my possession the entire time, and I have never shared it with anyone. 

In response, Navy Federal issued a message stating that " no error has occurred '' after a " thorough investigation. '' However, they did not provide any explanation or detail on how this determination was made. I called customer service and verbally requested the methods used in their investigation, but I believe my concern was never properly documented. 

I have since submitted a second review request, which includes a formal police report filed with the XXXX Police Department and this complaint to the Consumer Financial Protection Bureau. I am attaching the police report as supporting documentation. 

In my second review, I clarified : Why the claim should be honored : These were unauthorized, online transactions. I did not benefit from or receive the products. 
Possession of the card : The physical card was with me at all times. 
Possible compromise : I believe the card information was stolen at a diner during travel in late XX/XX/2024, possibly around XX/XX/XXXX. 
No shared use : I have never allowed anyone else to use my card. 
No merchandise received : None of the fraudulent items were delivered to me. 
This is a sincere and honest request for assistance. I respectfully ask the CFPB to investigate and ensure that Navy Federal provides transparency about how they reached their initial decision. I believe this matter was wrongly closed, and with the new documentation, it deserves to be fairly reconsidered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: IL

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

Company 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 2025-05-04 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: TX

Complaint narrative:
Please Delete these inquiries XXXX XXXX and XXXX XXXX were done fraudulently and unauthorized without consent. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate Invalidated credit information. Thank You in advance.

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 2025-05-04 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have reached out multiple times to synchrony network bank to fix my account because there are discrepancies on my credit report in which has caused my credit report to be incorrect throughout each credit bureau. They all show different dates. Also States I am in collection in which I am not because I am still getting charged from them directly. Please feel free to investigate and see picture from my bank statement being charged. This has caused a lot of damage on my credit with false information

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I disputed a collection account from XXXX XXXX XXXX ( Account # XXXX ) with Experian. 

On XX/XX/2025, I submitted a request under FCRA 15 USC 1681i ( a ) ( 7 ) for a description of Experian 's reinvestigation procedures. As of XX/XX/2025, I have received no response. 

This is a direct violation of the Fair Credit Reporting Act, which requires Experian to provide this information within 15 days.

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 2025-05-04 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-05-04 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/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