vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: CA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: IN

Complaint narrative:
I was affected by the equifax data breach and would like this false information on my credit report removed em media telly under the fair credit reporting act code 15 U.S.C. 1681

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 2025-02-11 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: FL

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX Balance {$9500.00} XXXX XXXXXXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX Balance {$880.00} XXXXXXXX XXXX  XXXX XXXX {$18000.00}

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 non-monetary relief
Consumer complaint received 2025-02-11 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: AL

Complaint narrative:
I have identified information on my consumer reports that are a result of identity theft. These items are not related to any transactions completed by me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Danco Financial Services, LLC
State: LA

Complaint narrative:
I am not liable for this debt with Danco Financial, danco financial is reporting on my credit but no longer has access to this account. I would like for an investigation to be conducted to ensure that everything is accurate. This account is not showing maximum possible accuracy according to 15 USC 1681E ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: NY

Complaint narrative:
This morning, I checked my credit report as usual, only to find an unauthorized inquiry that shouldnt be there. I have no idea why these inaccuracies appeared, as they were never an issue before. I tried refreshing my browser, hoping it was just a glitch, but the unauthorized inquiries did not disappear. Given this problem, I ask that my submitted documents be reviewed carefully so I can have peace of mind moving forward.

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 2025-02-11 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: AL

Complaint narrative:
I recently reviewed my credit report and noticed I had fraudulent accounts on my report. Please remove accounts from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: FL

Complaint narrative:
Ensure these accounts are updated so that no late payment records appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> I provided dividend finance with proof of the primary owner XXXX XXXX death certificate and the grant title deed showing XXXX XXXX joint tenant.. dividend finance has refused to share any information including contract signed by XXXX XXXX and letter showing the debt owed by XXXX XXXX has been discharged.. I sent email requesting for this information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: AR

Complaint narrative:
I am filing a complaint against Equifax/XXXX  XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. I disputed the XXXX XXXX account for XXXX violations on XX/XX/year>. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. 

I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: HI

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion regarding several unauthorized inquiries on my credit report. My name is XXXX XXXX ( Social Security Number : XXXX ) File # XXXX, and I have experienced significant issues related to my personal information being involved in three separate data breaches. These breaches have resulted in multiple fraudulent activities, including unauthorized credit inquiries, which are damaging to my credit history. 
Specifically, I have noticed XXXX inquiries on my credit report that do not belong to me. XXXX of these inquiries originated from my bank, which, after I was notified that my information had been compromised in a breach, allowed fraudulent transactions to occur in my bank account. The fraudster transferred money to XXXX using my information and attempted to apply for credit in my name. While my bank has rectified the situation by reversing the unauthorized transactions, the inquiries associated with these fraudulent applications are still present on my TransUnion credit report. 
These unauthorized inquiries, which have resulted from identity theft, are negatively impacting my credit and violating my consumer rights. I have reached out to TransUnion to dispute these inquiries and inform them of the breach, but no resolution has been reached. I am requesting immediate removal of these unauthorized inquiries from my credit report, as well as an investigation into how these fraudulent activities were allowed to occur without my consent. 
As a consumer, I have the right to a fair and accurate credit report, and XXXX failure to address this issue promptly is causing significant harm to my creditworthiness. I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that my rights are upheld. 

Thank you for your attention to this serious matter. 

Unauthorized Inquires : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX via 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 non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc.
State: TX

Complaint narrative:
Credit Bureau XXXX XXXX XXXX XXXX Dear Sir or Madam : I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your company. I request that you investigate the following items and respond to me within 30 days of your receipt of this letter, in accordance with the Fair Credit Reporting Act, 15 USC section 1681i. For your reference, I am enclosing a copy of my recently obtained report and other documentation that supports. 

The following inquiry does not belong on my credit report : ( older than 2 years, unauthorized, other it had belonged to XXXX who added my name without my knowledge ) My personal data is inaccurate : ( Stating that l stayed in this apartment which l never and can be backed to no utility or anything attached to me name ) The following account is described erroneously and needs to When your company has corrected the inaccurate information described above, please send a corrected report to me and to anyone else who has requested a copy of my credit file within the last six months. In the event that your company does not respond to my request within 30 days, I will assume that you are unable to verify the information, which means you must immediately remove or correct the items in question. 

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 2025-02-11 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: NJ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following account : XXXX XXXX XXXX XXXX : {$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
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: NV

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. 

XXXX XXXXXXXX BALANCED {$18000.00}

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 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I opened a citi checking account in XXXX. I received XXXX deposits : {$700.00}, {$800.00}, {$2000.00}, {$300.00}. Suddenly, Citi locked my account then closed my account. Citi only sent me a check of {$1500.00} in XX/XX/year>. Citibank still keeps my money which is {$2300.00}. On the statement, it only says Other debit. I demand Citi to refund my money immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-11 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: CA

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 2025-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, I attempted to complete a purchase at a local retail store using my physical credit/debit card. Despite having sufficient funds in my account and confirming all card details beforehand, my transaction was immediately declined with the generic error message 05 Do Not Honor. No pre-authorization hold was placed on my account, and no funds were deducted, leaving me confused about the cause of the issue. 

After this incident, I contacted my banks customer service seeking an explanation. Unfortunately, the responses I received were equally vague and did not clarify whether the error was due to technical issues, security flags, or other account-related restrictions. This lack of transparency not only disrupted my transaction but also highlighted a broader issue : the use of generic error codes that provide little to no actionable information for consumers. 

I believe that such practices harm consumers by : Causing confusion and unnecessary delays in resolving issues. 
Preventing consumers from understanding whether the problem lies with their account, the transaction process, or external security measures. 
Eroding trust in financial institutions due to a lack of clear communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: CA

Complaint narrative:
This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I routinely check my credit report, but this time, I noticed unexpected discrepancies. I even refreshed my browser, hoping it was just a glitch, but the errors remained. Due to this issue, I am requesting a thorough review of the documents Ive submitted so I wont have to deal with this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: Nelnet, Inc.
State: MO

Complaint narrative:
I am writing to formally submit a consumer claim regarding the unauthorized access and misuse of my student loan debt information by XXXX, its XXXX XXXX XXXX, and his affiliated entities. According to multiple online sources, including news articles and blogs, XXXX and its representatives have illegally obtained sensitive financial and personal information belonging to millions of individuals, including myself. This breach constitutes a violation of federal privacy laws, including 18 U.S.C. 1028, which explicitly prohibits the unauthorized use or transfer of another person 's identification. 

Details of the Breach & Violation of Privacy Rights Reports indicate that XXXX XXXX 's cloud data center, along with his network of companies, unlawfully accessed Treasury Department payment systems that store highly sensitive consumer data. These systems contain personal identifiers such as : Bank account numbers Social Security numbers Credit card details Date and location of birth Physical and electronic mailing addresses Personal cell phone numbers Bank routing numbers Household income, assets, and liabilities Employer contact information Drivers license numbers Usernames and passwords The Attorney Generals Office recently announced that the Treasury Department has temporarily blocked additional members of XXXX from accessing its payment systems in response to a lawsuit filed by union groups. This lawsuit alleges that millions of Americans ' financial and personal data have been compromised and misused, further confirming my concerns about the security and legality of this breach. 

My Status as a Victim As a result of this unlawful access, I am now a victim of identity theft, with my financial privacy compromised without my consent. The exposure of my personal data not only violates my rights but also increases my risk of financial fraud, unauthorized transactions, and further misuse of my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AMERISAVE MORTGAGE CORPORATION
State: NC

Complaint narrative:
Amerisave Mortgage has made several errors while disbursing insurance payments from my escrow account causing a substantial increase in my mortgage payment amount. I contacted Amerisave on XX/XX/XXXX, asked them to delay my escrow analysis until XX/XX/year>. The request was made but not honored. My escrow analysis was performed on XX/XX/year> in lieu of my request to have the analysis completed the first week of XX/XX/year>. 

I have spent hours on the phone trying to have the escrow errors corrected. Moving forward I will only communicate with Amerisave Mortgage and XXXX XXXX in writing.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation