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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX 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 XXXX, 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 XXXX 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 XXXX 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: 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: GA

Complaint narrative:
XXXX 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 XXXX, 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 XXXX 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 XXXX 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2025-01-23 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: NC

Complaint narrative:
The account is inaccurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions XXXX also contravene the consumer financial protection act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFBPs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the XXXX take action to ensure Equifax applies with federal law and provides consumers with the necessary proof of investigation.

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: CL Holdings LLC
State: FL

Complaint narrative:
I had two accounts that were sold off to a collection agency without my consent on XX/XX/2023. One for {$20000.00}, and the other was {$10000.00}. The agency is Jeffersons Capital Systems LLC, which is listed as the Original creditor. They are not the original creditor.

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: FL

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 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 2025-01-23 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: SC

Complaint narrative:
This is to formally file a complaint regarding unauthorized inquiries appearing on my credit report obtained from Experian. 

I reviewed my credit report and discovered the following unauthorized inquiries : XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX Inquiry date : XX/XX/year> I did not authorize these companies to access my credit report. These inquiries are impacting my credit score and may have been used for fraudulent purposes. 


I have already contacted Experian to dispute the inquiries, However, the issue has not been resolved. I have attached copies of correspondence with Experian. 

Thank you for your time and attention to 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 explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: IN

Complaint narrative:
The company made a brand new app and reset everyones passwords. When I signed up I contacted them multiple times letting them know it will not allow me to sign up. The guy reset my account and I tried again and it still didnt work. He said he would put a ticket in and it would be resolved in XXXX hours. It was never resolved so now I have a late fee. They dont want to wave it and want me to pay it and its not my fault Ive called multiple times about this problem. They want to charge me because they took the app away and they have hung up on me multiple times Im compeletely stressed out after dealing with them and still have got access to my online account to pay my bill. Hopefully you can help

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 is missing that should be on the report
Company: Data Mortgage Inc.
State: MD

Complaint narrative:
On XX/XX/year> I had filed a 3rd complaint with the company about this ongoing issue. I filed a complaint with XXXX as well since my paid off mortgage was removed from my credit report. I will be attaching the response to this for supporting evidence. XXXX indicated that your company XXXX Mortgage told them to suppress my paid off mortgage from my credit report which is inaccurate. There was an error in the system that marked that my mortgage was 30 days past due and you all have indicated that was invalid and provided me with documentation supporting that it should be removed, however XXXX will not add it back stating your company must reinsert to my credit report. I would like it reinserted on to my report ( taken from suppression ) correctly and to show that I WAS NOT LATE!!!!!!!!!!!

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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by XXXX XXXX. XXXX ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :

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: NY

Complaint narrative:
Inaccuracies in disputes requested. Allowing information to be added to my report by debt collectors that are repeatedly selling my credit information to different collection agencies that try to collect debt I do not owe them. Also allowing them to add new information to further damage credit directly after initial disputes filed against them. 

I have attached a letter in regards to requesting a formal dispute of inaccurate reporting below as well.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Inaccurate inquiries on my report and improper scoring.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was to formally express my concern regarding XXXX handling disputes. Particularly in light of recent CFPB lawsuits highlighting significant issues with the platform dispute using XXXX numerous times n reporting discrepancies my financial institution n XXXX failed to investigate my claim

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: IN

Complaint narrative:
XX/XX/XXXX Per : XXXX ( XXXX  # XXXX ) This company is not licensed or registered with the XXXX to do loans in Indiana now or when this loan was made ( Acct # XXXX ... XX/XX/XXXX open date ). This company is now attempting to collect with the legal processes and has put negative information on my credit report damaging my credit standing with potential lenders. 

I have disputed this transaction recently and since then I have gotten a report of XXXX late payments on this account even though it remains in a charge-off status ; thus damaging my credit rating even further. 

Please investigate and let me know your results. 

Thank you.

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: GA

Complaint narrative:
After researching they didn't correct the issue nor did they properly do the investigation as promised.

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 — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc.
State: GA

Complaint narrative:
Southern MGMT Systems : XXXX ( Account XXXX ) This is not my debt

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: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to propery 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 ( XXXX XXXX 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) 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.

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: GA

Complaint narrative:
I am filing a compiaint against equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. 
Despite my submissions, Equifax consistently failed to notify me of dispute outcomes leaving inaccurate or unverifiable accounts unresolved without 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 {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding ( File No. 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. Listed is all accounts included in disputes sent to Equifax on XX/XX/year> XXXX. XXXX. XXXX XXXX {$1500.00} XXXX XXXXXXXX XXXX XXXX XXXX  {$690.00} Balance XXXX. XXXX {$330.00} XXXX XXXX. XXXX XXXX XXXX {$460.00} XXXXXXXX XXXX  XXXX. XXXX XXXX XXXX {$660.00} XXXXXXXX XXXX  XXXX XXXX. XXXX XXXX XXXX {$410.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXK XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
Zelle continuously left out important information to prevent fraud and scams and did not help or attempt to retrieve funds or look into scams

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I believe the following company Midland Credit Management Inc. has violated my consumer rights by not informing me of any debt owed by debt Validation or any contractual agreement between me and all parties. The company was allowed to place negative items on my credit report to the following agencies XXXX, and XXXX without the consumers ' acknowledgement. Neither agency and company produced an investigation to validate any and all accuracy. 
This isn't my debt nor any association of person or past and present accounts validates this company to place someone else 's collection on my credit report. 
I asked CFPB to please investigate and have Midland Credit Management Inc remove all negative items off my credit report. I also request for all Debt Validation, Contractual Agreement between me and this company, Phone Records between Parties, Receipt of Purchase of Debt that associates my personal information, and any verbal or written consent that I acknowledge the debt as mines. 

Balance {$3500.00} XX/XX/year> Balance {$660.00} XX/XX/year> Balance {$330.00} XX/XX/year> I haven't open any accounts associated, nor is there any inquiries or request that associates with these accounts

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: GA

Complaint narrative:
Equifax 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 Equifax, 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 Equifax 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 Equifax 's inaction violates federal law and my rights as a consumer.

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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am filing a complaint against Experian for failing t properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian 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 ( XXXX XXXX XXXX XXXX XXXX, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), as highlighted in the CFPB 's recent administration proceeding XXXX XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the disputed accounts ... XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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