vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The address used in these reports are not mine or do they belong to me some names are not mines along with those address I'm requesting for a further look an resolving these issues

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-01-27 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:
I am filing a complaint against Equifax for failing to properly investigaie 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: MN

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disbursed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.The 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 or removed disbursed items despite the evidence I provided, causing ongoing harm to my credit standing. Im requesting immediate corrective action to remove or amend the disputed accounts, as Experians 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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-27 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: DE

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 2025-01-27 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
XX/XX/scrub>XXXX XXXX  I found a dispute on Account # XXXX XXXX XXXXXXXX XXXX XXXX denied following up with the investigation, I was recently informed that the CFPB has filed a lawsuit against XXXX. They alleged the company of accepting unreliable information, failure to notify consumer disputes results. This is my exact situation. XXXX has not attempted to remove, nor correct any information. I am requesting these derogatory marks to be removed or corrected immediately as it is affecting my chances getting a car. XXXX violated my rights as a consumer, as well as federal laws.

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 2025-01-27 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:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
I received a hard inquiry on my credit from One Main Financial. I did NOT apply for any loan or authorize them to run my credit. I called them directly and they said they dont see an application with my name. I called XXXX and XXXX who both suggested I contact You to report this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NY

Complaint narrative:
I RECENTLY REVEIW A COPY OF MY CREDIT REPORT AND NOTICE I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT

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 2025-01-27 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: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
XX/XX/year> I found a dispute on Account # XXXX XXXX XXXX XXXX XXXXXXXX denied following up with the investigation, I was recently informed that the CFPB has filed a lawsuit against XXXX. They alleged the company of accepting unreliable information, failure to notify consumer disputes results. This is my exact situation. XXXX has not attempted to remove, nor correct any information. I am requesting these derogatory marks to be removed or corrected immediately as it is affecting my chances getting a car. XXXX violated my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NV

Complaint narrative:
I purchased an XXXX XXXX from XXXX using my debit card on XX/XX/year>. It was suppose to be be 2 day shipment which I shouldve received the item by XX/XX/year> but unfortunately did not! The delivery driver marked order as delivered so I checked my surrounding areas and found nothing. The picture attached was NOT my front door where it was expected to be delivered. I reached out to XXXX and they told me I had to wait 48 hours because sometimes items are marked delivered by the carriers and still have not reached the delivery address. So I waited and contacted them I was then told I had to reach out to the third party who shipped the item and was told to contact XXXX for an A-Z investigation so pretty much got the run around from both XXXX and the third party seller. So I then went ahead and reached out to Chime whom I bank with and where the purchase was made from to open a dispute and they denied my claim even having proof and information that item had not arrived to me, the reasoning said no error occurred. Chime needs to be held accountable for consumers funds and understand that this is in fact a huge error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
ive discovered I have 3 credits cards I never applied for that's on my report. I've tried to dispute, the creditors won't remove these accounts Open dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC
State: FL

Complaint narrative:
We purchased a new home in XXXX, XXXX. Our mortgage company is ServiceMac. Our house was taxed that year as an empty lot ( {$600.00} ). Our mortgage company gave us an option for them to pull higher escrow during our first year to combat any significant mortgage increase after the first year our house got taxes as a home ( XXXX ). We said yes, please take more to have us not have a huge increase in our mortgage/escrow. The company told us that their estimating team estimated our XXXX taxes would be $ XXXX and pulled escrow accordingly. Our XXXX property taxes ended up being $ XXXX, XXXX more than their estimate. Because of this, the company is now raising our mortgage 25 % ( from {$4100.00} to {$5100.00} ) to make back their underrun ( understand that ), and to pay our XXXX bills, PLUS would be holding on to another $ XXXX $ XXXX to have a future buffer in escrow. 

Because of their mismanagement of my escrow account, I would like to close my escrow account ( after getting to neutral and paying them the amount that the account is currently overrun by, which will only be {$400.00} as of XX/XX/XXXX ) so I can manage my escrow myself. They have denied me because my loan has not been with them for 5 years and because my remaining loan balance has to be 80 % or less of my original appraisal amount. I'm not sure why those are two legal thresholds to force me into keeping an escrow account. I just want to manage my own bills and the company will not let 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 2025-01-27 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: IL

Complaint narrative:
I submitted a letter faulting XXXX Equifax and XXXX ( XXXX ) Breach of Privacy or ( 2 ) Lack of Investigation The following letter was submitted with companies ( a ) failing to remove faulty or old addresses b ) hard inquiries that the same card was applied for 2-3 days in a row ( c ) Consistently failing to address XXXX XXXX  reporting every month for 9 months when I had been receiving letters from a to the company they sold a debt to as well as them informing by letter they sold this debt. ***The following letter and proof were submitted with proof and no changes 3 months ago. that Under privacy law codes, such as the Fair Credit Reporting Act ( FCRA ) in the United States, credit bureaus are required to ensure the accuracy, transparency, and confidentiality of consumer credit information. These laws protect individuals from unauthorized sharing or misuse of their personal financial data, recognizing that inaccurate or improperly managed credit reports can have severe consequences, including denied access to housing, employment, or loans. Credit bureaus must provide clear and accurate credit reports to consumers upon request and allow disputes to correct errors. Failure to maintain clarity and adherence to privacy law codes undermines consumer trust and violates legal obligations, emphasizing the critical need for transparency and accountability in managing sensitive financial information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I submitted a letter faulting XXXX XXXX and Experian ( 1 ) Breach of Privacy or ( 2 ) Lack of Investigation The following letter was submitted with companies ( a ) failing to remove faulty or old addresses b ) hard inquiries that the same card was applied for 2-3 days in a row ( c ) Consistently failing to address XXXX XXXX reporting every month for 9 months when I had been receiving letters from a to the company they sold a debt to as well as them informing by letter they sold this debt. ***The following letter and proof were submitted with proof and no changes 3 months ago. that Under privacy law codes, such as the Fair Credit Reporting Act ( FCRA ) in the United States, credit bureaus are required to ensure the accuracy, transparency, and confidentiality of consumer credit information. These laws protect individuals from unauthorized sharing or misuse of their personal financial data, recognizing that inaccurate or improperly managed credit reports can have severe consequences, including denied access to housing, employment, or loans. Credit bureaus must provide clear and accurate credit reports to consumers upon request and allow disputes to correct errors. Failure to maintain clarity and adherence to privacy law codes undermines consumer trust and violates legal obligations, emphasizing the critical need for transparency and accountability in managing sensitive financial information.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-01-27 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: MI

Complaint narrative:
I have disputed this inaccurate information reported to my report several times and they are saying it has been verified yet it is not accurate so that is impossible. I have sent certified letters asking for verification and for them to be removed and it is still inaccurately reporting. They have not been properly conducting investigations and are reporting inaccurate information that is causing me financial harm and stress. Under 15 US code 1681 ( i ), 15 U.S. code 1681 b ( 2 ) and ( FCRA ) : Section 611 : Right to dispute inaccurate information and require correction or removal if unverifiable.

Section 623 : Responsibilities of furnishers of information to ensure accuracy when reporting to credit bureaus.

Fair Debt Collection Practices Act ( FDCPA ) : Prohibits debt collectors from using unfair or deceptive practices, including reporting unverifiable or inaccurate debts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Zelle allowed fraud to occur with no assistance to customers

Company response to consumer: Closed with explanation