vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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:
To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report, as reported by Experian. The inaccurate item ( XXXX ) are as follows : XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, you are liable for negligent noncompliance with credit reporting requirements. The reporting of inaccurate or unverifiable information that negatively impacts my credit profile constitutes such noncompliance. 

I have attached copies of relevant documents, including my credit report and any supporting evidence, to verify the inaccuracies. I formally request that you : XXXX. Conduct a full investigation into these inaccuracies within the legally required timeframe. 
XXXX. Correct or remove the disputed information from my credit file. 
XXXX. Provide me with written confirmation of the resolution of this dispute. 

Failure to comply with the FCRA, including 1681o, may result in legal action, including claims for damages. I expect a response within XXXX  days, as required by federal law. Please send confirmation of this disputes resolution to my address listed above. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution. 

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 2025-02-11 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: TX

Complaint narrative:
Subject : Formal Dispute of Non-Compliance with 15 U.S. Code 1681o Civil Liability for Negligence I am writing to formally dispute inaccurate and/or misrepresented information on my credit report from credit bureaus Equifax , TransUnion and Experian, which I believe is a direct result of negligent non-compliance with the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1681o, Equifax may be held civilly liable for failing to comply with its legal obligations, which has caused me harm.

I previously attempted to resolve this matter. However, Equifax, TransUnion and Experian failed to properly investigate and correct the inaccuracies as required under 15 U.S. Code 1681i and other provisions of the FCRA.

Due to this negligence, I have suffered actual damages, including but not limited to [ list financial losses, credit denials, emotional distress, higher interest rates, etc. ]. The law entitles me to recover damages resulting from this failure, along with reasonable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft 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 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 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft 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 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 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 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 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 non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am writing to formally dispute and contest the unfair and deceptive practices related to my credit card account. The actions taken by your company have resulted in financial harm and violations of federal consumer protection laws, including but not limited to the Fair Credit Reporting Act ( 15 U.S.C. 1681n, 1681o ), the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), and the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act. Unjustified Interest Rate Increases : My interest rate was increased arbitrarily and without clear, refusal to lower interest rate, transparent justification, making it nearly impossible to pay off my debt in a reasonable manner. This is a predatory practice aimed at capitalizing on consumers. Your company increased my credit limit and later significantly reduced it without notice or justification, causing a severe impact on my credit utilization ratio. This action negatively affected my credit score, which constitutes an unfair and deceptive practice under the Fair Credit Reporting Act. Requested Resolution A full refund of any unjustified fees or interest rate increases applied to my account. An immediate reinstatement of my prior credit limit to rectify the adverse effects on my credit score. A written explanation and correction of any misleading contractual terms. A formal investigation into these predatory practices, with corrective actions taken to ensure compliance with federal laws. Legal violations 15 U.S.C. 1681n, 15 U.S.C. 1681o, 15 U.S.C. 1637, 15 U.S.C. 1666, 15 U.S.C. 1637.

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 2025-02-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I am formally disputing fraudulent accounts and/or transactions on my credit report due to identity theft. I have attached my FTC Identity Theft Report and police report as supporting documentation. Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I am requesting the immediate blocking of all fraudulent information associated with this identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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:
This complaint has been filed under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that you, Experian, block any information on my consumer credit report that is the result of identity theft and fraud. The fraudulent information includes two apartment leases : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). These accounts have led to several fraudulent hard inquiries and collections appearing on my FICO credit report.

I do not recognize these accounts, collections, or hard inquiries. They were not opened, made, or initiated by me. All of these accounts, collections, and hard inquiries are the result of identity theft and fraud.

Ive attached a copy of the FTC Identity Theft Criminal Complaint from the UXXXX Federal Trade Commission as proof that all of 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 2025-02-11 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: NM

Complaint narrative:
1.15 USC 1692D - Sue XXXX XXXX XXXX XXXX- A debt collector may not engage in any conduct which is to harass oppress or abuse a person in connection with collection of a debt.

Reporting an alleged debt is harassment.

2.USC 1592 cc- If a consumer notifies a debt collector in writing that a the consumer refuses to pay the alleged debt, the debt collector must cease and desist. Reporting your debt is a form of communication 3.15 USC 1681 - Right to privacy Add FTC report for leverage 4.Use these laws to remove bad accounts : Late payments : 14 USC 1666B Charge Offs : 15 USC 6802 or 15 USC 6801 Collections : 15USC 1692 G / 15 USC 1692 CC Experian Breech : 30 day response time : 15 USC 1681i ( a ) Challenge Investigation Protocol : 15 USC 1681i ( a ) 6 ( B ) 3 Challenge Reinsertion Protocols : 15 USC 1681i ( a ) ( 5 ) B 18 usc 894-con-spire make secret plan jointly to commit unlawful act - bank creditor, collection agent can be fined/ ask for contract with your wet ink signature

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
1.15 USC 1692D - Sue XXXX XXXX XXXX XXXX- A debt collector may not engage in any conduct which is to harass oppress or abuse a person in connection with collection of a debt.

Reporting an alleged debt is harassment.

2.USC 1592 cc- If a consumer notifies a debt collector in writing that a the consumer refuses to pay the alleged debt, the debt collector must cease and desist. Reporting your debt is a form of communication 3.15 USC 1681 - Right to privacy Add FTC report for leverage 4.Use these laws to remove bad accounts : Late payments : 14 USC 1666B Charge Offs : 15 USC 6802 or 15 USC 6801 Collections : 15USC 1692 G / 15 USC 1692 CC Experian Breech : 30 day response time : 15 USC 1681i ( a ) Challenge Investigation Protocol : 15 USC 1681i ( a ) 6 ( B ) 3 Challenge Reinsertion Protocols : 15 USC 1681i ( a ) ( 5 ) B 18 usc 894-con-spire make secret plan jointly to commit unlawful act - bank creditor, collection agent can be fined/ ask for contract with your wet ink signature

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: NY

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 2025-02-11 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 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 2025-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against LVNV Funding LLC for failing to investigate and remove fraudulent debt from my credit report, despite multiple disputes and the submission of supporting documentation. This inaction has resulted in financial harm, including my recent denial for a loan. I intend to seek legal action against LVNV Funding LLC and the credit bureaus for their failure to comply with the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2024, I sent a certified dispute letter to LVNV Funding LLC regarding a fraudulent collection account appearing on my credit report. Despite the legal obligation to investigate and respond, the company has failed to reply. 

Background of the Dispute : In XX/XX/2024, after discovering fraudulent accounts on my credit report, I placed a freeze on my credit and filed a police report documenting identity theft. 

I submitted formal disputes to XXXX XXXXXXXX and LVNV Funding LLC in XX/XX/2024. XXXX XXXX promptly removed the fraudulent accounts, but LVNV Funding LLC did not act. 

On XX/XX/2024, I mailed dispute letters to all three major credit bureaus ( XXXX, XXXX, and XXXX ), providing a copy of my police report, CFPB complaint, and prior correspondence with LVNV Funding LLC. 

Despite my submissions, LVNV Funding LLC failed to investigate or remove the fraudulent collection from my credit report. Additionally, the credit bureaus verified the debt as valid, further damaging my credit profile. 

Violations and Request for Resolution : LVNV Funding LLCs failure to investigate and respond violates the FCRA, which mandates that furnishers of information must investigate disputed accounts and remove unverifiable or fraudulent information. Their inaction has caused significant harm, including my inability to secure a loan. 


I have provided all necessary documentation, including my police report, CFPB complaint, and certified mail receipt to the credit bureaus and to LVNV to substantiate my claim. Please address this issue with the urgency it demands. 

I request that CFPB take immediate action to : Investigate XXXX Funding LLCs failure to respond to my dispute. 

Require LVNV Funding LLC to remove the fraudulent debt from my credit report. 

Impose penalties on LVNV Funding LLC for its failure to comply with FCRA regulation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: IL

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. 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, not later than 4 business days after the date of receipt by such 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 2025-02-11 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
TN DEPT OF HUMAN SVCS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the Fair Credit Report Act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In generalif, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that items of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-11 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: FL

Complaint narrative:
I am to formally express my concerns regarding Zelles 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: CA

Complaint narrative:
XXXX XXXX is reporting inaccurate information to the credit bureaus. They are reporting that i owe XXXX. I received a copy of them selling my vehicle and it reflects a different amount. So therefore they never updated it on the credit bureaus. This violates the FCRA and is not fair to me.

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 2025-02-11 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 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