23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper Investigation with the following accounts : 1. Account Name : XXXX XXXX - XXXX Amount : {$2700.00} Opened : XX/XX/XXXX 2. Account Name : XXXX XXXX XXXX  XXXX : {$570.00} Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Original creditor : 11 XXXX XXXX Account type : Collection Collection Opened : XX/XX/XXXX Reason for dispute : Violation of my rights according to 15 U.S.C 1681 section 602 A, States I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

According to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this at all. 

In accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigation but how is that possible if XXXX, XXXX and Experian is all showing different account information? Also, I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. 

They also violated the law because according to : 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I DID NOT GIVE ANYBODY WRITTEN INSTRUCTIONS 15. U.S.C 1681 ( A ) PROCEDURE IN CASE OF DISPTED ACCURACY it states : before the expiration of the 5 business day period the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person, this never happened, I wasnt never informed and I can prove this in court. 

15. U.S.C 1681 section 5 A TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit card or prepaid card

Last year I had two accounts that were closed for no reason by Commenity Bank one XXXX XXXX  the second card was a XXXX  MC both cards were always paid on time and I never understood why they closed the accounts my credit report was excellent and I filed a complaint with CFPB. Now any time I apply they have chosen to decline applications by retaliation. The decline are frivolous and I think CFPB needs to come down hard on this bank abuse of power.
Product: Credit reporting or other personal consumer reports

I am following up on my most recent complaint concerning the lack of action regarding my request for the removal of inquiries from my XXXX and Equifax credit reports. Once again, I am requesting the removal of inquiries resulting from alleged identity theft. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), it is mandated that such items be removed within four business days after XXXX XXXX XXXX This matter was previously raised in my complaint and is reiterated here alongside my new FTC report # XXXX. Please remove the following inquiries resulting from alleged identity theft : -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to remove the listed inquiries will result in legal action. My attorney is fully informed of my intentions and is prepared to hold you accountable for noncompliance.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against Experian Information Solutions , Inc. for repeated and intentional violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, 15 U.S.C. 1666b, and related provisions. As highlighted in the CFPBs XX/XX/XXXX report, Experian has displayed systemic failures in handling credit reporting disputes, and my case exemplifies these issues. 
Experian has failed to properly investigate my disputes and continues to report inaccurate information on my credit file, specifically regarding accounts with XXXX XXXX XXXX and XXXX XXXX XXXX Despite submitting detailed disputes, registered correspondence, and supporting documentation, Experian has neglected its duty to ensure the accuracy of the reported information or provide verifiable proof of claim, resulting in significant harm to my creditworthiness and financial standing. 

Summary of Issues : XXXX XXXX XXXX  Account ( Originating XX/XX/XXXX ) : Experian inaccurately reported a late payment during an active billing dispute, violating 15 U.S.C. 1666b and 12 CFR 1026.13, which prohibit reporting late payments while disputes are unresolved.

Experian failed to verify the accuracy of this information under 15 U.S.C. 1681i, continuing to report an inaccurate paid charge-off status that misrepresents my financial behavior. 

XXXX XXXX Account : Experian continues to report inaccurate payment history, despite multiple disputes with supporting documentation. 
Experian has not conducted a meaningful reinvestigation or adhered to its obligations under 15 U.S.C. 1681s-2 ( b ), leaving inaccuracies unresolved and harming my credit profile.

Legal Violations : Failure to Conduct Proper Investigations : Experian failed to meet its obligations under 15 U.S.C. 1681i to reinvestigate and verify disputed information, neglecting to provide any supporting documentation for its reporting. 
Intentional Misreporting During Disputes : By reporting late payment data during active disputes and failing to correct inaccuracies, Experian violated 15 U.S.C. 1666b and 12 CFR 1026.13.

Non-Compliance with CFPB-Documented Standards : As outlined in the CFPBs XX/XX/XXXX report, Experians systemic disregard for FCRA requirements reflects broader patterns of negligence that harm consumers like me. 

Impact on Me : Experians actions have caused significant harm, including : Reputational Damage : The inaccurate information misrepresents my financial behavior, harming my credibility.

Financial Loss : Denied credit opportunities and higher interest rates due to Experians reporting failures. 
Emotional Distress : The unresolved inaccuracies have caused stress and frustration as I have sought to protect my financial reputation. 
Attached are copies of my dispute letters, Experians inadequate responses, and supporting documentation highlighting the inaccuracies. These documents further demonstrate Experians failure to investigate my claims and comply with FCRA requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need help removing this negative accounts that XXXX is reporting and hurting my credit score, they are as follows : XX/XX/XXXX XXXX XXXX XXXX  {$480.00} XX/XX/XXXX XXXX XXXX XXXX {$840.00} XX/XX/XXXX XXXX XXXX {$29000.00} XX/XX/XXXX XXXX XXXX {$17000.00} XX/XX/XXXX XXXX XXXX {$460.00} XX/XX/XXXX XXXX XXXX {$490.00} Please help me in removing and resolving this issue, thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is not reporting a closed date on my XXXX and Transunion reports. I have disputed more than 3 times to no avail. My XXXX reports the account was closed on XX/XX/XXXX. That would me I would have had access to the account and that is not the case. 

Account : XXXX The account was closed in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to chase on XX/XX/XXXX, XXXX have told me that i do not have any late payments in their system but for some reason on all three consumer reporting agency it show a late payment on XX/XX/XXXX. Under FDCPA 15 U.S. Code? 1692e.False or misleading representations, you allowed the consumer reporting agency to violate my right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one showing I was late on a payment
Product: Credit reporting, credit repair services, or other personal consumer reports

It comes to my attention that there is multiple credit inquiries that I did Not recognize nor authorized consenting to. Please verify these credit inquires from XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XX/XX/XXXX as well from XXXX XXXX. These are Unauthorized inquiries, please verify and provide proof of authorization of original signature of its owner within 5 business days in compliance with FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX XX/XX/2008 XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX  XXXX Balance : {$770.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19, I settled a Discover Card account in full. I owed {$XXXX} and paid {$XXXX}. I have a letter that says this is settlement in full, however, my credit report is showing I still owe a balance. XXXX investigated but says my balance is still {$XXXX}. Even after I provided the letter as proof.
Product: Money transfer, virtual currency, or money service

I am unable to transfer money from my XXXX XXXX XXXX accounts to XXXX.
Product: Debt collection

I took out XXXX personal loans on XXXX separate occasions from XXXX XXXX XXXX : ( 1 ) {$2000.00} and ( 2 ) {$6000.00}. I have already paid over {$14000.00} for both. I stopped paying for the last loan since I was told I had paid it off, but still owed {$4600.00}. The law firm to whom my outstanding debt was sent, Cohn, Goldberg & Deutsch said they may sue me for an additional {$4600.00}. Can you help with this excessive usury? Thank you.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resoultion requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. I have been asked on several occasions to resubmit my social to get another cash app card because fraud activity was made on my account but from my end no fraud activity was made on my account. My account was closed and reopened without my permission and the answer was your account had fraudulent activity on your account. But can never prove where and why the account was closed or where the fraud came from.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I am writing to file a complaint again 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 postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account teansactions
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX/XXXX  XXXX  XXXX  # XXXX Account name : XXXX  XXXX  XXXX XXXX XXXX, has violated my rights. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Something happened to my account after they changed the website for account access. My password won't work now. I'm unable to reset it. I can't get help from anyone. They are not replying me. They called but I didn't understand what they were saying. I tried calling back but I can't get a live Agent. I need access to my account so I can make payments and check my balance.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Eauifax for failing io properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 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 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. 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. 2025-CFPB-0002 ) 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.
Product: Credit reporting or other personal consumer reports

Subject : URGENT Equifax Delaying Investigation Beyond Legal Timeframe Message : I filed a dispute with Equifax regarding inaccurate information on my personal credit report, and they responded by stating they require XXXX days to investigate. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is legally required to complete investigations within XXXX days ( or XXXX days in special cases ). Their claim of needing 60 days is a direct violation of 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), which states : The credit bureau shall complete the reinvestigation of the disputed information within XXXX days of receiving the dispute. 

I demand that Equifax : 1. Complete my dispute investigation within the legally required XXXX period. 
Provide detailed proof of their reinvestigation process. 
Remove inaccurate items if they can not verify them within the legal timeframe. 

Failure to comply will result in : A formal complaint to the Federal Trade Commission ( FTC ) and my State Attorney Generals office A lawsuit for FCRA violations if they fail to meet their legal obligations I expect immediate action on this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

While attempting to obtain a credit card and secure it with my credit, I faced rejection following a soft inquiry. In response to this setback, I decided to enroll in a credit monitoring service. Upon scrutinizing my credit report, I discovered several unauthorized items, indicating fraudulent activities. I am unaware of these creditor inquiries. I have reached out to the creditors that are reporting but have not gotten any responses back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second complaint I have filed in the last 2 weeks. They still have not solved the issue. XXXX XXXX XXXX XXXX is attempting to pull my equifax report and they kick it back and will not release the report. I have called Equifax 9 times, each time they assure me they are going to fix the issue. I have asked to speak to a supervisor many times and they simply disconnect my call. I tried again this Morning, XXXX XXXX XXXX XXXX attempted to pull credit and it returned an error saying Equifax will STILL not release my credit report. The last complaint I filed with the CFPB did NOT resolve the Issue. XXXX and XXXX release the report without Issue but Equifax Still does not Release the report. This is causing me extreme emotional stress and financial Harm.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payments on Account [ XXXX ] Dear CFPB, I am filing a formal complaint against your bureau for failing to correct inaccurate information regarding late payments reported on my credit report for account [ XXXX ]. Despite multiple requests for correction via disputes submitted on XX/XX/XXXX and XX/XX/XXXX, no action has been taken to address these inaccuracies. This lack of resolution is a clear violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The late payment reporting on this account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files. Your bureaus continued inaction contravenes this obligation. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The erroneous reporting of late payments has caused significant and undue harm to my creditworthiness. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. The failure to correct this inaccurate information reflects non-compliance with these provisions. 
Discrepancies and Account Information : Below are the discrepancies observed on my account : Account Details ( Experian ) : Account Number : XXXX High Balance : {$2400.00} Last Verified : -- Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00} Account Status : Open Payment Status : Current Two-Year Payment History : Erroneously reported XXXX late payment for XX/XX/XXXX Desired Resolution : Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit report. 
Written confirmation of the corrections. 
Supporting Evidence : Copies of my payment history showing timely payments. 
Correspondence regarding previous disputes submitted on XX/XX/XXXX and XX/XX/XXXX. 
Relevant sections of the FCRA and TILA demonstrating your obligations. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 
Thank you for your immediate attention to this matter. I look forward to your prompt response confirming the resolution of this issue. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.