vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ). 

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXXXXXX # : XXXX Balance : {$640.00} XXXX XXXX XXXXXXXX XXXX XXXX  XXXX # : XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX # : XXXX Balance : {$8500.00} XXXX XXXX XXXX XXXX # : XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXXXXXX # : XXXX Balance : {$410.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 


Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
The company stated they cant find proof of allege debt, nor therefore any such debt infact exist. 
I am filing a complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I requested immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
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 resolution process was unfair and deceptive, as they did not comply with error resolution 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This is regarding Citbank We are having our taxes done and we are unable to get the interest paid, held on our accounts until the XXXX of XXXX. 
I would like to know why this is allowed? 
It keeps people from having their taxes done in a proper manner and I find this unacceptable. Citibank wouldn't even tell me why.

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 2025-01-23 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: IL

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-01-23 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 want reported accounts removed they failed to properly investigate.

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 2025-01-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want reported accounts removed they failed to properly investigate.

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 2025-01-23 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: TX

Complaint narrative:
I previously reached out to Experian, XXXX and XXXX and advised that I am a victim of identity theft. I obtained a copy of my credit report and noticed several accounts that do not belong to me. Upon discovery, I contacted the credit bureaus via phone on XX/XX/year> an d notified them of my discovery. I placed a fraud alert and contacted authorities and made a police report. I also made a report with FTC # XXXX. I also contacted the bureaus via mail with information to verify my identity in addition to a list of accounts that were fraudulently opened in my name. They responded within 30 days. However, the response did not follow my demands according to my rights per FCRA. I am demanding these accounts be removed as they have made a negative impact on my credit report and has also affected my score. I recently discovered that XXXX and Experian are being sued due to failure of reporting correct information and handling disputes properly. Please investigate and remove the following accounts immediatley. 


XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-01-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I filed an application for School Misconduct Discharge with Navient on XX/XX/year>XXXX  and received a very general response denying my application on XX/XX/year>XXXX  with no additional information. My loan has since been transferred to XXXX and I have attempted to request further explanation or reconsideration. I have recently received a letter stating my payments have restarted on XX/XX/year>. I owe {$3000.00} more than the original loan I took out although I have been paying on this loan for more than 14 years. My school, XXXX XXXX XXXX XXXXXXXX XXXX, was listed at one of the schools that committed misconduct and fraudulent behavior by the federal government, and I have a pending Borrower Defense Discharge Application but I for some reason do not qualify for loan discharge according to Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: PA

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 ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), as highlighted in the CFPB 's recent administrative proceeding. ( XXXX XXXX. 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. 

Accounts include XXXX and XXXX XXXX XXXX XXXX Inquires from XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: CA

Complaint narrative:
While reviewing my Experian credit report I noticed several hard and soft inquiries that I did not make and would like them removed from my credit report. Their instructions for having them removed involves a formal FTC fraud complaint which I can not make because no account was actually opened only the inquiries made for the attempts so I can not send them what is being requested. 

I need help getting these inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lendmark Financial Services
State: VA

Complaint narrative:
LENDMARK FINANCIAL SERVICES, LLC Account Number XXXX XXXX Reported Balance {$8100.00} Account Status CHARGE_OFF This company is violating my rights they have not provided validation information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: MD

Complaint narrative:
XXXX, XXXX, and TransUnion has the incorrect information on my accounts as far as account balances and late fees.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX, XXXX, and XXXX has the incorrect information on my accounts as far as account balances and late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: AL

Complaint narrative:
XXXX overdraft, closed, account wouldn't let me open back up

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
After graduating the XXXX XXXX XXXX XXXX and XXXX XXXX in XXXX, my federal and private loans were given to XXXX XXXX. Then, a year or two later, Navient took over my loans. I was paying back my loans with an Income Driven payment plan wonderfully and easily until a year or two ago when my payments jumped from Income Driven to not Income Driven, so the payment amounts went from {$55.00} to more than {$1000.00} / month. I attempted to re-establish Income Driven payments again, but the woman with Navient customer service stated I had no other choice but to go into forbearance. That was right around or right before Covid. Then, Biden did his thing, stating we didn't have to pay back student loans for a while... that was a reprieve until I figured out how to get back on Income Driven payments with Navient.

Then, just recently, I learned that Navient is no longer allowed to service student loans due to unfair practices, such as what I feel I experienced with them, being steered into unnecessary forbearance instead of offering doable Income Driven payment plans. Then recently, a company named XXXX started calling me incessantly. I researched them and they too have pending lawsuits due to unfair practices with servicing student loans. So today, XX/XX/XXXX, I begin my journey with trying to figure out what to do. A lovely being named XXXX, with CFPB, offered me what she could as far as what steps to take. I know I want to have this complaint against Navient on the record. Next, since I am understandably incredibly uncomfortable with handing over my student loans to yet another servicer who has pending lawsuits due to unfair practices, I have to figure out how to navigate that. And that is at this very moment of XXXX on XX/XX/XXXX, where I stand.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
My employer 's pay company received a court order to garnish my pay. I was never informed of a debt. My credit report does not show any debt. The court order case number was for XXXX  in Colorado and indicated a bank that is no longer in business. The bank that purchased the bank shown on the order does not have any record of a debt owed using my name and/or SS #. The court assistant I talked to says there was no validating debt for the court order. If the debt was real, which has not been proven, is beyond the statue of limitations for debt collection. I was never given the opportunity to dispute this debt before garnishment was started.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
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 resolution process was unfair and deceptive, as they did not comply with error resolution 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my crea standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-23 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( XXXX XXXX XXXX ( XXXX ) ). Pursuant to XXXX XXXX XXXX, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXXXXXX XXXX Account # : XXXX WEBBNK/FHUT Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. Furthermore, under XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a consumer reporting agency can not furnish an account without my written instructions. Also, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  states that no consumer reporting agency XXXX include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  no person shall 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. Additionally, according to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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 2025-01-23 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: PENNYMAC LOAN SERVICES, LLC.
State: IN

Complaint narrative:
I disputed my credit report after my bancrupcy, my home morgage was not included nor had it been in any point in time delinquent or derogatory, the reporting agency did not research public record as all of this is included, the company stated they didn't report it closed as I see on my credit report and nor have they updated payment history. Yet after providing proof that my pennymac account was not only current and open but also there was never a late payment. None of the credit companies think it nessisary to report accurate information that deals with people 's ability to have a true and correct credit report. It's honestly a joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: LA

Complaint narrative:
I have now asked for an thorough and fair investigation of these remaining errors on my report. After several attempts to have these errors correct, I am still have my rights violated according to the laws and regulations of the FCRA. These accounts are showing errors in the form of inaccurate and different late payment date post by the accused credit agencies and also payment amounts etc. 
These inaccurate accounts are fraudulent and need to be correct or remove immediately. 

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 2025-01-23 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: LA

Complaint narrative:
I have now asked for an thorough and fair investigation of these remaining errors on my report. After several attempts to have these errors correct, I am still have my rights violated according to the laws and regulations of the FCRA. These accounts are showing errors in the form of inaccurate and different late payment date post by the accused credit agencies and also payment amounts etc. 
These inaccurate accounts are fraudulent and need to be correct or remove immediately. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation