vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX and XX/XX/year> I tried to unfreeze my credit with Experian. I went to their website to register and it would not let me register - the security phone number and email address have changed for me - I no longer have access to that email and phone number. I tried to speak to a person but the phone number at Experian routes you back to the same website.

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 2025-02-06 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: MA

Complaint narrative:
I am submitting this formal dispute regarding the late payment entries on my credit report : XXXX XXXX - XXXX - {$5700.00} XXXX XXXX XXXXXXXX - XXXX - {$0.00} These records do not reflect my actual payment history and should be corrected. I have made multiple attempts to get this matter resolved, providing all relevant documentation and following up persistently, yet the errors remain. This situation has not only impacted my financial health but has also caused me a great deal of frustration and stress. 

The Fair Credit Reporting Act ( FCRA ) ensures my right to an accurate credit report. Any incorrect, outdated, or misleading information should be promptly removed or updated. I urge you to take immediate action to correct these records. 

Please prioritize this matter, as these errors are negatively affecting my credit standing. I look forward to your timely response.

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 2025-02-06 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: IN

Complaint narrative:
I have reached out to the following companies Experian, Equifax and Transunion, along with XXXX XXXXXXXX, XXXX, XXXX, XXXX and XXXX XXXX. I provided them with an FTC report as well as a sworn police report Number ref here : ( XXXX ). 

XXXX XXXX XXXX$15000.00}, XXXX {$11000.00}, XXXX XXXX {$13000.00}, XXXX {$16000.00}, XXXX {$7900.00}. 

My concern is that they are erroneously processing my block request as a dispute and conducting an unlawful investigation by contacting the data furnisher rather than the law enforcement agency who actually holds the record of this crime report.

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 2025-02-06 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: NY

Complaint narrative:
I have reason to believe that Experian has violated the provisions of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws as outlined in the CFPB 's lawsuit against them. Specifically, I am concerned about the following issues : Failure to Correct Inaccurate Information : [ Describe any inaccurate or outdated information on your credit report, such as incorrect account balances, payment histories, or unauthorized inquiries. ] Failure to Investigate Disputed Information : [ Explain if you previously disputed any inaccurate information with Experian and they failed to thoroughly investigate or correct the issue within the time frame required by law. ] Failure to Provide Required Notices or Disclosures : [ If applicable, mention if you did not receive required notices or disclosures, as mandated by the FCRA, after disputing the information. ] Failure to Provide Accurate and Complete Information to Creditors : [ Explain if any of the information provided to your creditors or any third parties was inaccurate due to Experian 's actions. ] Given the CFPBs ongoing enforcement actions against Experian for violations of consumer rights under federal law, I request that this dispute be handled with the utmost urgency. I am seeking : A thorough investigation of my credit report, in line with the legal requirements established by the FCRA. 
Immediate correction or removal of any inaccurate or unverifiable information on my credit file.

A written response detailing the outcome of the investigation and the actions taken to resolve my concerns.

Please consider this letter a formal request for an expedited review of my dispute as part of the ongoing CFPB lawsuit, and I expect a response in a timely manner, consistent with the rules governing credit reporting agencies under the FCRA. 

I trust that this matter will be handled in accordance with applicable laws, and I will be expecting your prompt response. Should you require any further information to process my dispute, please do not hesitate to contact me. 

Thank you for your attention to this matter. 

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 2025-02-06 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: Experian Information Solutions Inc.
State: IL

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 explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
Subject : Formal Complaint Against Chime Denial of Valid Dispute To Whom It May Concern, I am filing a complaint against Chime Financial , Inc. regarding their improper handling of a dispute I filed on XX/XX/year> for a {$69.00} charge from XXXX. I provided clear evidence from XXXX customer service confirming that the charge was made in error and that I am entitled to a refund. However, Chime has wrongfully denied my dispute despite this evidence multiple times. 

Attempts to Resolve the Issue : On XX/XX/year>, I contacted Chimes customer support at XXXX XXXX  to follow up on my dispute being denied a second time depite providing ample evidence. A representative named XXXX informed me that the dispute department would direct me to a supervisor or XXXX for further assistance. 

However, at XXXXXXXX XXXX I was connected with XXXX, a Dispute Supervisor, who refused to transfer me to anyone else for further assistance and did not provide any resolution or meaningful help. This dismissive response further highlights Chimes failure to properly investigate my claim or follow basic consumer protection standards. 

Requested Action : I request that the CFPB investigate Chimes handling of this dispute and ensure they comply with the Electronic Fund Transfer Act ( EFTA ), which mandates a fair and thorough review of disputed transactions. I also urge a review of Chimes customer dispute resolution practices, as this experience suggests potential systemic issues. 

Please let me know the next steps in resolving this matter. I appreciate your time and attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has recently raised concerns about Equifaxs failure to properly investigate consumer disputes. In fact, a lawsuit has been filed alleging that Equifax has violated consumer protection laws by not fulfilling its obligations under the Fair Credit Reporting Act ( FCRA ). 

As per federal regulations ( 15 U.S.C. 1681i ), Equifax is required to conduct a full reinvestigation of disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Failing to do so is a direct violation of federal law. 

I am disputing the following negative entries on my credit report : Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX, MA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX, MA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX XX/XX/XXXX Even after multiple disputes and my submission of all required documentation, these items remain unverified. This inaction has caused me financial harm and unnecessary stress. 

I have a right under the FCRA to an accurate credit report. Please take the necessary steps to resolve this matter immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: NY

Complaint narrative:
This letter is a formal demand to dispute and remove the following inaccurate and unverifiable accounts from my credit report. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I am holding you accountable for your failure to meet the required standards for accuracy and proper investigation.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I looked at my account on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I Sent a letter asking them to reinvestigate these accounts listed below because XXXX XXXX XXXX date last active not reporting correctly shows date of XX/XX/XXXX on Transunion also shows as and open account no active status. XXXX shows last active date on the account as XX/XX/XXXX XXXX shows account type as collection I Sent a letter on XX/XX/XXXX asking for the, to reinvestigate this account XXXX XXXX XXXX I have gotten the investigation back but nothing was modified or updated on the account So i requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681I7 They also violated 15 USC 168I ( 5 ) Can you look into 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 2025-02-06 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
Got an offer from Barclays bluegreen credit card that if I paid my dues and fees with this card that Id get a {$50.00} credit statement in 6-8 after completing requirements I completed these requirements on XX/XX/year> XXXX weeks was XX/XX/XXXX and still no statement credit. 
I called 5-6 times in XXXX about this and they said you have to wait 6-8 more weeks? 
Why the terms say XXXX not XXXX weeks and still no credit on my account This is taking way to long and it violates the agreement

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2025-02-06 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: GA

Complaint narrative:
I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence.

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

EQUIFAX Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$46000.00} These items are either inaccurately reported or have already been resolved, and I kindly request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am writing to express a complaint against Navy Federal Credit Union regarding several overdraft fees I have incurred. Even though I had sufficient funds when the transactions were authorized, I was still charged fees due to delayed posting of charges and credits. This issue is consistent with 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 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Made a payment online but different account was charged which I didnt approve so my car had a late fee. I paid my balance in full then my card was Close by Capital one Without warning Capital one is practicing in Legal credit practices. I over paid and never received the balance that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
I dispute the Bankruptcy record XXXX with Experian on my consumer credit report around XX/XX/XXXX. Experian responded in there verification stating its accurate. I then asked for a reinvestigation and per rule of the FCRA 611 ( XXXX U.S.C. XXXX ) I asked for the documentation used. I also filed a complaint with the CFPB on XX/XX/XXXX and Experian stated information was accurate again but, DID not give the documents I then disputed the information again on XX/XX/XXXX. This is once again came back with it stating verified. This time the last dispute would be the fourth one. This one I attached a certified letter from the clerk of the court. Stating that the court does not verify with any credit reporting agencies or third parties including pacer and XXXX XXXX. If this is true how can one tell without verification with the clerk of the court if this public record is 100 % accurate or up to date. This record could either be removed or sealed in court. One would only know that by verifying with the clerk. Which was not done. 

As you can see I have sent multiple dispute letters and even phone conversations with agents from Experian. I called on XX/XX/XXXX and talked to customer service agent XXXX. XXXX added the statement on the bankruptcy informing them that they have the documentation of evidence from the clerk I supported and it should be removed in 48hrs. Here is the copy of the transcript from the conversation And could still there and then you may contact us for today, but you can check for that for today. You surely removed like faster than a day. Oh okay. And you said it should be removed? Yes, to be off from your credit. Okay, the bankruptcy won right? The public record. Okay, awesome. The public And what's your name again? My name is I setting up a statement stating that you entered a court letter just so let you know. Okay, thank you. 

As you can see the Bankruptcy was never removed the statement was just added. Without removing the public record as promised and agreed on by the XXXX the agent. 

This just prove more of the reasoning behind Experian lawsuit with the CFPB on XX/XX/XXXX. For Shame investigations and not properly reinvestigating. I feel like I fell victim to this cause as you can see from the evidence my consumer rights is being violated Re : Violation of XXXX U.S.C. XXXX ( b ) ; XXXX XXXX XXXX XXXX XXXXXXXX ; FCRA Sections 609 ( a ) ( 2 ) and 611 ( b ) ( 6 ) ( B ) ( iii ) ** among with XXXX USC XXXX ( k ) ( 2 ). This is seriously harming me not only my reputation but also my ability of an accurate and complete report. Its harming me from seeking a Mortgage or Apartment which will result in me being homeless soon. Please remove this public record from my consumer report.

Company response to consumer: Closed with explanation