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: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted disputes to XXXX and Equifax to address fraudulent information on my credit report due to identity theft. I provided all required documentation, including my drivers license, proof of address, an FTC Identity Theft Report, and my dispute letters. Despite this, XXXX sent me an email claiming they couldnt place a security freeze because I didnt provide proof of identity, which is false. Equifax also mailed me a letter claiming they are unable locate a file for me in their database. However, both companies have processed some disputes and made corrections using the same documents they now claim I didnt send. This inconsistency is unacceptable and appears to violate my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, both XXXX and Equifax are required to investigate disputes, process accurate information, and honor valid requests for security freezes. Their mishandling of my disputes is causing unnecessary stress and delaying the resolution of identity theft issues on my report. 

I am a busy mom and in the process of moving with my XXXXXX/XX/XXXX and its cold outside. I dont have time to deal with this negligence. Their actions are playing games with my livelihood, and its not fair how theyre treating people. I need them to follow the law and fix this situation..

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

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX Balance : {$110.00} & XXXX XXXX XXXXXXXX Balance : {$0.00}

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to formally file a complaint against XXXX, XXXX, and Trans Union regarding their failure to conduct a proper investigation into inaccuracies on my credit report as required under the Fair Credit Reporting Act. Despite my repeated attempts to dispute erroneous information, These Bureaus has continued to report incorrect data and has failed to comply with their obligation. As a result, I recently applied for a Credit Card thru XXXX XXXX 's once again on XX/XX/year>, and was denied as a direct result of the information being reported. Violation of Consumer Rights : FCRA Section 605B, 15 U.S. Code 1692c, 15 U.S. Code 1692g ( b ), 15 U.S. Code 1681e ( b ), 15 U.S. Code 1681i ( a ), 15 U.S. Code 6802 : It is evident that XXXX, XXXX and Trans Union has not fulfilled these obligations. The errors remain uncorrected, and I have received a response that either lacked meaningful investigation or attempts to stall the process. 
Requested Resolution - I respectfully request that the CFBB intervenes to : Ensure XXXX, Trans Union, and XXXX conducts a proper investigation of the disputed information, verify that the inaccuracies are corrected or removed from my credit report. and Provide accountability for the credit bureau 's non-compliance with FCRA regulations. So that approval of credit is guaranteed.

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: MA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
Im requesting these accounts as follows be deleted immediately : 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

Company response to consumer: Closed with non-monetary relief
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: OK

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 transaction settled with insufficient balances despite initially available funs. 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: TX

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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Since XXXX, capital has been sending wrong balance to about my credit card to the credit bureaus. Every time I call about the problem I get different kind of answers and the problem is not solved. 

Example. 

My XXXX statement balance was XXXX ( zero ) dollar. XXXX week after the statement was issued, the reported a balance of {$100.00} to the credit bureau. When I called the, a representative told me that another report was sent to the bureau, the report should be updated in XXXX or 3 days. When I called again after 10 days, because there was no update, another representative told me that they don't the statement balance but the current balance on the card, this is not how it normally works. I asked to talk to a supervisor, that guy confirm that only the statement balance should be reported. the problem was not fixed for the whole month of XXXX. 
Now my XXXX statement balance is {$31.00}. It was reported correctly on XX/XX/XXXX or XXXX. But on XX/XX/XXXX, capital one reported to the credit bureaus that i owe {$990.00}. I called again, filed dispute I am still waiting for answer. that time I credit score dropped by XXXX points. While i am waiting for this to be solved, capital reported to the bureaus on XX/XX/XXXX that I owe {$1400.00}. My score drops again by XXXX point. I call capital one and XXXX again they keep telling the same things ( that this shouldn't be like this ), but nothing has changed and I continue to be the victim of their wrongdoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ARVEST BANK GROUP, INC.
State: MO

Complaint narrative:
in referense to the case number : XXXX We got a notification and a confirmation of a recent Payment for the said amount to our account with the IRS. this means Arvest recently returned the funds to the IRS. i am requesting a transcrip for XXXX quater and XXXX quater for my XXXX. 

We will Present the currupt and fraudulent act of arvest bank for holding our funds from the date the IRS released funds to the date they returned the funds to the IRS Each day damage must be paid for. 
Arvest will have to pay for damages for holding our funds withing the period it held our funds. 

Arvest Bank must provide the date of when funds was sent back to the IRS and pay for the damages they have incured our company. 

If this date is not provided withing XXXX business days, arvest will have to come to the News station with the funds return date to the IRS and then pay us a bigger charges for damages Arvest Bank is required to reimburse me for the damages they caused to my business and to provide the date on which the funds were returned.Arvest will have to present the news station with the date of the funds ' return to the IRS and then pay us a higher amount for damages if this date is not given within XXXX business days.In order to settle this matter, Arvest needs to give the date of the funds ' return and acknowledge that they have earned interest on my money and that it is now time to reimburse me for keeping my funds without my permission. 
Arvest Bank is required to reimburse me for the damages they caused to my business and to provide the date on which the funds were returned. 

Arvest will have to present the news station with the date of the funds ' return to the IRS and then pay us a higher amount for damages if this date is not given within XXXX business days. 

In order to settle this matter, Arvest needs to give the date of the funds ' return and acknowledge that they have earned interest on my money and that it is now time to reimburse me for keeping my funds without my permission. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX USC XXXX. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$730.00} XX/XX/XXXX XXXX XXXX XXXX {$680.00} XX/XX/XXXX NAMES NOT RECOGNIZED XXXX XXXX INQUIRIES NOT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion, XXXX - XX/XX/XXXX XXXX, XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX U.S.C, XXXXsection 602 A . States I have the right to privacy. XXXX U.S.C XXXX Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX U.S.C XXXX ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. XXXX U. S. C, XXXX ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I submitted disputes onXX/XX/XXXX, and the results were returned to me about 2-3 weeks later, on or around XX/XX/XXXX, and no changes were made and the information on my report with these XX/XX/XXXXagencies remained inaccurate and impaired my ability to use my credit for personal use given the inaccuracies in their reporting, which companies rely upon for making decisions related to my name based on credit. 

Specifically, I disputed multiple errors on my credit report through XXXX credit reporting agencies : Experian, XXXX, and XXXX. When I checked the status of my dispute on the websites portal, I was advised these companies investigated and returned with the results 15-16 days after my dispute was made. I checked to see if anything was changed, but there were no changes. The disputed information remained on my credit report. The disputed information included incorrect addresses and contact information and incorrect records of payment to the account when active and payments in full that were made to the account but not correctly reported by these agencies. This has significantly adversely affected my ability to use my credit as various inaccuracies remain on my report despite my disputes, and this has continuously prevented an accurate reporting of my credit to companies for my private use. I have been denied applications for credit that are directly based upon these agencies inaccurate and defective reporting of my credit history. These accounts need to be updated accordingly and inaccuracies removed so I can proceed with my life. 

Now all of a sudden, the dispute investigation results and information are no longer visible on my Experian portal as though the company is trying to hide this information which demonstrates the continued bad faith and fraudulent conduct of these companies. Fortunately, I still have some of these emails which document my requests and communication from the reporting agency.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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 ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) - ( B ), 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. The accounts are for the Department of Education.

Company response to consumer: Closed with non-monetary relief