vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
These Credit card account holders have reported my account as a CHARGE OFF on my credit report with all the reporting agencies. They never provided me a 1099C for reporting purposes. If they charged this account off as listed on my report, I need to claim this as income with the IRS. This goes against compliance and although it says they charged it off, they are still saying the amounts are still owed. I have my credit reports dating back to XXXX and XXXX which shows this still currently XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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:
Re : Intent to File Suit Due to Violations of the FCRA, I have previously mailed letters to you, requesting that you delete inaccurate information from my credit file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters have stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of the accounts in question, and delete all unverified accounts, I will file a civil suit in Illinois for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX XXXX XXXX  Account No. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX XXXX  Account XXXX. XXXX Delete this unverified Account Immediately. 


Delete these unverified accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: MD

Complaint narrative:
I am writing to file a formal complaint regarding the conduct of XXXX in handling unresolved disputes over several unvalidated and inaccurate accounts on my credit report. I have received repeated stall letters in response to my disputes, and accurate resolution has not been provided despite a legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure verification and accuracy of credit reporting information. 

**Accounts in Dispute** : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX These accounts are inaccurately reporting on my credit report across all three major credit reporting agencies, damaging my credit score and misrepresenting my credit character. The lack of resolution is a violation of consumer protection rights and has resulted in significant negative impacts, including credit denial, increased stress, and reputational harm. This aggravating situation can be addressed through corrective action, with the potential for seeking punitive damages due to negligent reporting practices. 

**Impact and Damages** : - **Credit Denial** : I have faced denials and unfavorable financial terms due to these inaccuracies, harming both my financial opportunities and credibility. 
- **Emotional and Reputational Harm** : XXXX stall tactics and inability to provide timely and accurate resolutions have led to distress and a tarnished reputation. 
- **Possible Legal Action** : Due to such negligence, XXXX could face legal action under FCRA provisions seeking both actual and punitive damages.

**Requested Relief** : - Immediate deletion of the abovementioned unvalidated and inaccurate accounts from my credit report, ensuring all details reflect accurately across their reporting systems. 
- An acknowledgment explaining the actions being taken to rectify these discrepancies immediately. 
- Measures to ensure compliance with FCRA requirements in all future reportage. 

I urge the Consumer Financial Protection Bureau to intervene and ensure Experian acts to correct these inaccuracies and halt any further damage to my credit profile. 

I appreciate your attention to this urgent matter and anticipate your support in compelling XXXX toward strict compliance and consumer justice.

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 2025-01-15 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: MD

Complaint narrative:
I am writing to file a formal complaint regarding the conduct of XXXX in handling unresolved disputes over several unvalidated and inaccurate accounts on my credit report. I have received repeated stall letters in response to my disputes, and accurate resolution has not been provided despite a legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure verification and accuracy of credit reporting information. 

**Accounts in Dispute** : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX These accounts are inaccurately reporting on my credit report across all three major credit reporting agencies, damaging my credit score and misrepresenting my credit character. The lack of resolution is a violation of consumer protection rights and has resulted in significant negative impacts, including credit denial, increased stress, and reputational harm. This aggravating situation can be addressed through corrective action, with the potential for seeking punitive damages due to negligent reporting practices. 

**Impact and Damages** : - **Credit Denial** : I have faced denials and unfavorable financial terms due to these inaccuracies, harming both my financial opportunities and credibility. 
- **Emotional and Reputational Harm** : XXXX stall tactics and inability to provide timely and accurate resolutions have led to distress and a tarnished reputation. 
- **Possible Legal Action** : Due to such negligence, XXXX could face legal action under FCRA provisions seeking both actual and punitive damages. 

**Requested Relief** : - Immediate deletion of the abovementioned unvalidated and inaccurate accounts from my credit report, ensuring all details reflect accurately across their reporting systems. 
- An acknowledgment explaining the actions being taken to rectify these discrepancies immediately. 
- Measures to ensure compliance with FCRA requirements in all future reportage. 

I urge the Consumer Financial Protection Bureau to intervene and ensure Experian acts to correct these inaccuracies and halt any further damage to my credit profile. 

I appreciate your attention to this urgent matter and anticipate your support in compelling XXXX toward strict compliance and consumer justice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: OH

Complaint narrative:
I am writing to formally dispute the inaccurate information being reported on my credit report for the Account ( XXXX ) .I have verified the balance on the account ( XXXX ) with DISCOVER BANK as Paid in full. Even received a verification which proved the balance on the account is paid in full. However, DISCOVER BANK continues to report a higher balance on the account indicating I still had a balance left to be paid. The inaccuracy violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which ensures that only accurate and complete information is reported. owed on an auto loan for a repossessed vehicle that was subsequently sold. This reporting is inaccurate and violates federal laws under the Fair Credit Reporting Act ( FCRA ). 


Violations : 1. FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing inaccurate information to credit reporting agencies. Providing false and misleading information. 
2. FCRA 611 ( a ) : Failure to ensure maximum possible accuracy in credit reporting. DISCOVER BANK continued reporting of the account with a balance misrepresents my financial obligations. 
3. Unfair Practices : By not updating and reporting with complete accuracy the account balance, DISCOVER BANK shows deceptive practices that may harm my creditworthiness and financial reputation. 

Request : I demand that this account be deleted from my credit report immediately due to the false and unverifiable information being reported. I request a full investigation into this matter and expect a resolution within 30 days as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 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: LA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 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: LA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-15 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: MD

Complaint narrative:
I am filing this complaint against Experian due to its failure to conduct proper investigations into disputes regarding two accounts on my credit report. Despite my repeated attempts to resolve these inaccuracies, Experian has not fulfilled its obligations under the Fair Credit Reporting Act ( FCRA ). 

Details of the Dispute : XXXX. XXXX XXXX Account Account Name : XXXX XXXX Account Number : XXXX Issue : This account is reported as a collection with {$95.00} past due. However, no evidence has been provided to verify the debt or prove its legitimacy. 
Despite my dispute, Experian claims to have updated the account, but no changes have been reflected in my report. Furthermore, Experian has failed to provide me with any documentation or substantiation from XXXX XXXX to support this accounts inclusion in my credit report. 
2. XXXX XXXX Account Account Name : XXXX XXXX Account Number : XXXX Issue : This account contains inconsistent and incomplete information, including unexplained C ( collection ) designations, contradictory payment history, and missing balance details. 
Experian states that this account has been verified by XXXX XXXX, but I have not received a copy of the investigation or any supporting documentation. 

Experians Failures : Experian has failed to conduct a thorough and meaningful investigation into these accounts, as required by the FCRA. 
Automated systems like e-OSCAR appear to have been used instead of a manual review, leading to inadequate responses to my disputes. 
Experian has not provided proof of verification from the creditors, nor has it rectified the inaccuracies, despite my repeated requests. 

Harm Experienced : Experians actions have caused significant harm to my financial standing, including damage to my credit score, limited access to credit, and undue stress. Additionally, Experians failure to provide proper documentation or resolutions demonstrates negligence and unethical practices, as evidenced by the CFPBs recent lawsuit against Experian for FCRA violations. 

Experian received my dispute on XX/XX/year>XXXX  and updated it on XX/XX/year>XXXX  there is no way a proper investigation was conducted

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 2025-01-17 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: GA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

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 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: MN

Complaint narrative:
Ive been having zelle problems since I 1st started using it. I have a name on my account that I don't recognize and often receives money from my banks account but it's not me who sent to this person. I tried several times to call, tell that wasn't me but luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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.

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 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
Money sent unauthorized on XX/XX/year>XXXX  in the amount of XXXX. 
This transaction was reported, but resolution was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MA

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

This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: GA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when the transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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:
Subject : Dispute of Fraudulent XXXX XXXX XXXX Account Reporting To Whom It May Concern, I am writing to formally dispute the reporting of a fraudulent account under the name XXXX XXXX XXXX that is inaccurately listed on my 3 bureau, ( Experian, XXXX, and XXXX ) credit report. I want to make it unequivocally clear that this account does not belong to me, and I request its immediate and permanent deletion from my credit file. 

As required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, XXXX is obligated to investigate disputed items and ensure that all information reported is accurate, complete, and verifiable. 

Any additional documentation that substantiates my identity and confirms that this account is fraudulent. 

This account was established without my knowledge, authorization, or consent, and its presence on my credit report is both harmful and inaccurate. I demand the following actions : Immediate investigation of this dispute as required under the FCRA. 
Permanent deletion of the XXXX XXXX XXXX account from my credit report if the account can not be verified as legitimate. 

Written confirmation that this fraudulent account has been removed and that the dispute process has been resolved. 

Failure to properly investigate or remove this fraudulent account will result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory bodies for FCRA violations. 

Please address this matter promptly and respond to my dispute in writing within the legally required 30-day timeframe. I appreciate your immediate attention to this serious issue. 

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