vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: MRS BPO, LLC
State: ME

Complaint narrative:
I had my identity stolen in TX and made a number of complaints to get it resolved. It was though XXXX  I submitted a complaint about it last XXXX though XXXX and never received anything from the collection company and XXXX  would not provide the information because the SS # matched but the DOB they had on file did not. It was within the past week added to my credit report as a collection when I though it was resolved I informed both the company ( XXXX  ) and the collection agency it was fraud. I thought it was resolved until it showed up on my credit report as they refused to send me the information I requested and I informed them it was fraud.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: TX

Complaint narrative:
I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I referred a member to navy federal credit union during a promotion when referring members would get you a {$100.00} bonus. My referral joined, however my bonus was never paid out. I'm now being told the offer ( expired XX/XX/XXXX ) can only be honored 30 days after. My referral joined in XX/XX/XXXX which is within the 30 day period. 

This bonus was never paid out and customer service is telling me I'm too late even though i completed all necessary actions within the prescribed time limit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
Select portfolio servicing my mortgage servicing company shared my private personal mortgage information, amount owed, last time I made a payment, amount behind, who is on my loan to '' XXXX '', as admitted by their customer service rep They did this on XX/XX/2025. I called once I was informed that my account information was provided and also was told they disclosed who was on my mortgage that I was not calling them back. Which both is false. They had no written or verbal concent to do this. They admitted they discussed my account on XX/XX/2025 with a " XXXX '' and then the customer service rep realized my privacy rights were violated transfer me to XXXX who was very un ethical and un professional in the conversation with me about this stating he sees the call and needs to listen to it and it needs to be investigated, and implied that " maybe it was you '' how do " we know it was not you calling " implying I was XXXX that called, and also said " maybe your just upset because your behind on your payments. I could not believe the way he spoke to me or tried to manipulate the matter in fact of my private information being given out. I told him regardless if my mortgage is late, that Select portfolio servicing has no right to share my personal private account information with someone that calls in, with out my written or verbal concent. He continued to turn it around saying could it be I'm just upset i am behind on my payments. After long back and forth he said he would have to investigate it and listen to the call. I have heard nothing from them, almost 2 months? I called yesterday they said a letter was sent out last Friday and stated that it said they needed another 30 days to investigate this. Upon googling this mortgage servicing company i found numerous lawsuits and complaints from consumers against this un ethical business for their numerous violations. Please help. The call with the manager and other calls as to their practices were all recorded.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: NY

Complaint narrative:
Hello my name is XXXX XXXX XXXX who resides at XXXX XXXX XXXX XXXX XXXX Ny XXXX and i am writing this complaint because there are SEVERAL unauthorized accounts reporting to my credit report. This is hindering my credit image and keeping my score down. I have tried to resolve this with all 3 credit bureaus TRANSUNION, EXPERIAN, EQUIFAX and they refuse to help. I am a hardworking mom that is looking to improve my life and these accounts are negatively impacting my score and general life. I need help with these accounts as i tried to do all i can do at this point. As i know i am protected under law 15usc1692 section 807.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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:
Hello my name is XXXX XXXX XXXX who resides at XXXX XXXX XXXX XXXX XXXX Ny XXXX and i am writing this complaint because there are SEVERAL unauthorized accounts reporting to my credit report. This is hindering my credit image and keeping my score down. I have tried to resolve this with all 3 credit bureaus TRANSUNION, EXPERIAN, EQUIFAX and they refuse to help. I am a hardworking mom that is looking to improve my life and these accounts are negatively impacting my score and general life. I need help with these accounts as i tried to do all i can do at this point. As i know i am protected under law 15usc1692 section 807.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
4 I have submitted a formal report via email to clarify the misinformation provided by the credit bureau. This dispute concerns an error on my credit card statement. Although I have requested an investigation, the issue has been overlooked by the company. I request your prompt review of this matter and ask that you provide a confirmation receipt as proof of acknowledgment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a complaint with the CFPB against XXXX, Transunion and XXXX because I have sent letters to them on several occasions asking them to valid bankruptcies that are on my credit profile and they do not respond. So on XX/XX/year> I filed a complaint with the CFPB and alone with the complaint I send a letter and passport, current utility bill as well as my social security card signed and I just got a letter from Transunion and XXXX stating that my proof of residence was unacceptable and my social security card was invalid. Which is untrue. 
Transunion 's file # XXXX and XXXX didn't have a case # or a file 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 non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
I disputed the debt and they decided to not respond to my dispute and call anyways

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
I received correspondence through XXXX mail from an imposter claiming to be from XXXX. 
XXXX is a federal student aid for department of education and the imposter used print that appears to be exactly like XXXX, but it is fake. 

The imposter also directs me to go to their website to make payments which also resembles XXXX page that is also fake because it does not have the words federal student aid on it. 

They are using aggressive tactics by sending me a past due bill almost twice per week with late fees.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-27 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: VA

Complaint narrative:
I originally disputed with the bureaus and notified them of the errors on my report and they refuse to remove the items. I spoke with XXXX and they do not have a bankruptcy on my report. The bankruptcy is 7yrs old and I want it REMOVED. Also collections that are not moine and I have asked they provide me with a Debt Validation proving that I signed an agreement with them and I have not received it. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX Dismissed XX/XX/XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Also these inquiries are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-26 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: FL

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: CA

Complaint narrative:
Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability credit it is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate. 
XXXX XXXX ( Account XXXX XXXX as shown on your report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XXXXXX/XX/XXXX, I signed up for a promotion offer with Capital one credit card where balance transfers and purchases accrue no interest for 14 months. Based on my understanding of the Federal Reserve rules and experience with previous credit cards, I expected my statement to disclose when the interest rate would change prior to being charged interest. As I was unsure which billing cycle would end the promotion period, I have been reviewing my statements since XXXX. When I went to check the XXXX statement, I noticed I was already charged even though that was the only statement indicating the change in interest rate. 

I called customer service twice and explained the above. I even mentioned that they would be able to see I had transferred the amount of payoff into my CapitalOne bank account in anticipation of paying in full. I was told both times, that they would waive the fee but unfortunately, their system did not allow ( can't remember the exact term, but I was told the supervisor tried but it did not go through, in so many words ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App XXXX Block , Inc ) due to inadequate customer service and unfair practices, witch 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 Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appreciate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: NJ

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: MA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a {$1000.00} deposit toward balance on my citicards credit card via Citibank ATM at the Citibank branch located in XXXX XXXX in XXXX XXXX XX/XX/year>. The ATM took the cash in and displayed a message of some error, and did not provide a deposit slip/confirmation. 
I immediately reported the problem to the branch manager who rejected to deal with it. I then proceeded by contacting the citicards customer service representatives and reported the problem. I keep contacting the citicards customer service every few days till today, XX/XX/year> only to learn that Citicards has refused to confirm the fact that I made the subject payment via their ATM. The citi 's customer service personnel was not capable to explain the reason for that decision. That's where I reliazed that I need some higher authorities for helping me with resolving the subject matter. 
XXXX 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 2025-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: PNC Bank N.A.
State: NV

Complaint narrative:
I called XXXX number to report that I did not open the card online and also I did not change my four digit password because I didnt open the card. They did send me a regular card in the regular mail and I happened to tear it up because I thought it was a bunch of bull a few days later after I tore it up they sent a email and also a paperwork in the mail in which I have uploaded to you, one document is actually a photocopy of the first attempt to send this information to you all in which the time had ran out, and I luckily took a picture of it. 
After I called XXXX number they needed my Social Security number to look up any information. Which is strange because both documents be at the email and the mail they sent me had no account number on it like a regular credit card to me. Also, they can not look up anything by my address or my regular name. If theres no numbers on the information they sent in the mail and email. Why do they need it? Its not on there so how can I get it? I told the lady all the information I had in the situation. She said she can not look it up without a Social Security number then. 
All of this is some kind of tricky and Im concerned that theyre going to get a person that is not quite completely understanding the situation and get their Social Security number And then apply for other cards or something like it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: IL

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

Company response to consumer: Closed with non-monetary relief