vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am unable to access my full credit report or scores, only the Experian report is available. Despite providing accurate personal information I don't have all the information that I should to have full access to my credit report and scores. According to the Fair Credit Reporting Act ( FCRA ) is a federal law that guarantees that the consumer has the right to said access to their credit reports and scores. Furthermore the Annual Credit Report website has not provided said information, due to a payment being required whereas its advertised as being free once a year. I am requesting assistance in resolving this issue and being able to access to my full credit report and scores.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing the inaccurate information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or releas of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name Furthermore, there are unauthonzed inquines on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report.

please address this matter prompty and confirm the removal of the disputed entries

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 2025-01-28 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:
My name is XXXX XXXX, and I am formally disputing the inaccurate information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or releas of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name Furthermore, there are unauthonzed inquines on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report.

please address this matter prompty and confirm the removal of the disputed entries

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 2025-01-28 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: GA

Complaint narrative:
I am filing a formal complaint against TransUnion for failing to properly investigate my disputes regarding inaccurate, incomplete, and unverifiable information reported on my credit report. This failure has caused severe financial hardship and has resulted in denial of housing opportunities. 

XX/XX/XXXX, I sent a dispute letter to TransUnion via certified mail with tracking number XXXX, which was delivered on XX/XX/XXXX. This letter requested an investigation into several items on my credit report that I believe are inaccurate, incomplete, and unverifiable. On XX/XX/XXXX, I had to send a second dispute letter via USPS Priority Mail with tracking number XXXX. This letter reiterated my request for an investigation into the same disputed items. 

TransUnions failure to properly investigate the disputed items has caused me significant financial hardship, including the denial of housing applications due to the inaccurate and incomplete information on my credit report. Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure that the information they report is accurate and complete. By failing to investigate disputed items and continue reporting unverifiable information, TransUnion is in violation of this legal requirement. 

I am requesting that TransUnion fulfill its legal obligations under the FCRA and take corrective action promptly. This issue has already caused severe disruption in my financial stability and personal life, and I am seeking your assistance in ensuring that TransUnion complies with the law and resolves 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 2025-01-28 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:
( NAME ), ( SSN ), ( DOB ), 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. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Incorrect Name - XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, CA, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, CA, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX CO - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CO

Complaint narrative:
I had a direct deposit of my boyfriends check from XXXX  going into my chime account and on the XXXX XX/XX/year> they received the deposite it cleared the bank on XX/XX/year> and yet they they don't have it they have given me nothing but a run around this last who is a customer service representative for chime has and me on hold for XXXX min and XXXX sec and still going nope now she hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
XX/XX/XXXX, XXXX I requested a state to state transfer of the title of my XXXX XXXX be sent from XXXX  XXXX where I was XXXX XXXX military, to my new state XXXX  XXXX I could register my vehicle. Kia finance told me this was approved and the title was sent. I was never notified it wasn't, contray I was told it was approved and in XXXX. I registered my car. Fast forward, XX/XX/XXXX, XXXX I go to XXXX to do a third party buyout. I'm told I can't do the buyout because my title is in XXXX but my vehicle is registered in XXXX I call Kia to inquire why my title was never sent and why I was not notified. I paid a titling fee to XXXX to have this done. Kia could not explain. I then asked for them to release the title from XXXX XXXX XXXX again, now I'm being told it will be denied because my lease is expired. I paid for services not rendered and Kia lied when they told me my request was approved and fulfilled. Now I can not do my lease buyout, because my documents do not match.

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 2025-01-28 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: SC

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX 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, XXXX '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 XXXX complies with federal law and provides consumers with the necessary proof of 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 2025-01-28 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: SC

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX 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, XXXX '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 XXXX complies with federal law and provides consumers with the necessary proof of 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 2025-01-28 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: TN

Complaint narrative:
Ive noticed that my credit report contains incorrect personal information, which has led to the appearance of unknown and inaccurate accounts on my file. These accounts are not mine, and their presence is both misleading and unfairly damaging to my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded 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 2025-01-28 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:
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 credit 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 2025-01-28 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:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having significant funds when 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 2025-01-28 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: PREFERRED CREDIT INC
State: FL

Complaint narrative:
Unfortunately, is not my loan. Please removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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:
XXXX, has written off a {$64.00} debt. FCRA SECTION 623 ( 15 U.S.C 1681-2 ) Responsibilities of Furnishers of Information states that a company that has charged off a debt or written it off as a profit loss must furnish the consumer with a XXXX. This company has not. Everything on a credit report should be reporting accurately and this account is inaccurate and should be removed from my credit report. The way this company is reporting this account in their books should be the same way it should be reporting on my credit report and it is not. This is tax fraud. XXXX has failed to properly investigate my dispute and should remove this from my credit report. As well as XXXX and Transunion.

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 2025-01-28 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:
XXXX, has written off a {$64.00} debt. FCRA SECTION 623 ( 15 U.S.C 1681-2 ) Responsibilities of Furnishers of Information states that a company that has charged off a debt or written it off as a profit loss must furnish the consumer with a XXXX. This company has not. Everything on a credit report should be reporting accurately and this account is inaccurate and should be removed from my credit report. The way this company is reporting this account in their books should be the same way it should be reporting on my credit report and it is not. This is tax fraud. Experian has failed to properly investigate my dispute and should remove this from my credit report. As well as XXXX and 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 2025-01-28 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:
As a victim of Experian XXXX Breach my engagement number is XXXX to 15 USC code 6801 Protection of Non public personal information ( A ) it is policy of Congress that each financial institution has affirmative and continuing obligation to respect the privacy of its consumers and to protect the customers non public personal information which was leaked per Experian. Im demanding immediate removal of accounts & inquires.

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 2025-01-28 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: TN

Complaint narrative:
I have provided all XXXX credit bureau with my discharge letter for my XXXX XXXX that was signed by the XXXX XXXX The XXXX stay on credit for XXXX years only all bills included is not suppose to have a statement saying potential negative on all the bills that were signed off in the XXXX XXXX XXXX wish has cause me to have lower scores and is staying that those accounts have balances and are still NEGATIVE. Each time I try to get credit for my XXXX XXXX I am turned down because of what all XXXX credit bureaus all providing. Each time I try getting back in school this information is still causing me a hardship for me and my wife by reporting inaccurate information on accounts that were XXXX through XXXX  XXXX that do not have a negative balance. I have no balance in my XXXX XXXX XXXX. I have started all new credit the account are to follow that are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX were all XXXX with XXXX balances. I would like the XXXX XXXX to be taken off of my report. They are not supposed to be showing any type of negative activities.

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 2025-01-28 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: TN

Complaint narrative:
I have provided all XXXX credit bureau with my discharge letter for my XXXX XXXX that was signed by the XXXX XXXX. The XXXX stay on credit for XXXX  years only all bills included is not suppose to have a statement saying potential negative on all the bills that were signed off in the XXXX XXXX XXXX wish has cause me to have lower scores and is staying that those accounts have balances and are still NEGATIVE. Each time I try to get credit for my XXXX XXXX I am turned down because of what all XXXX credit bureaus all providing. Each time I try getting back in school this information is still causing me a hardship for me and my wife by reporting inaccurate information on accounts that were XXXX through XXXX XXXX that do not have a negative balance. I have no balance in my XXXX XXXX XXXX. I have started all new credit the account are to follow that are 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  account they were all XXXX with XXXX balances. I would like the XXXX XXXX to be taken off of my report. They are not supposed to be showing any type of negative activities.

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