vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 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:
They sent a letter advising Section 611 ( a ) ( 3 ) ( A ) after I sent a letter that will be attached in documents. I was advised that it was based on limited amount of information regarding my dispute. I made sure my letter had the account name and number also advised Experian of what was inaccurate and incomplete on the account. Next I sent 3 forms of identification rot prove it was me including Government Drivers License, S.S. card and a bill with my name and address. they are in violation FCRA 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) - Procedure in case of disputed accuracy. ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Experian also violated FCRA 15 U.S. Code 1681i ( 3 ) ( B ) ( C ) ( 3 ) Determination that dispute is frivolous or irrelevant ( B ) Notice of determination Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such 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 2025-02-07 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLORIDA XXXX XX/XX/XXXX/XX/XX/XXXX Subject : Dispute of Unauthorized Collection Account on My Credit Report Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Collection Agency :XX/XX/XXXX Account Number : XX/XX/XXXX Amount : XX/XX/XXXX Date of Account : XX/XX/XXXX I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible.

In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me.

I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA. 

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 non-monetary relief
Consumer complaint received 2025-02-07 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLORIDA XXXX XX/XX/XXXX/XX/XX/XXXX Subject : Dispute of Unauthorized Collection Account on My Credit Report Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Collection Agency :XX/XX/XXXX Account Number : XX/XX/XXXX Amount : XX/XX/XXXX Date of Account : XX/XX/XXXX I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible.

In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me.

I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: CT

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Following my request sent to CFPB, Complain # XXXX against the Discover Bank XXXX and your intervention to Discover Bank XXXX Case # XXXX XXXX to Discover Bank, I received, the attached letter, dated XX/XX/XXXX. Their answer to me, that the fraud was perfect is not satisfactory to me. I was deceived by crooks pretending that they are from XXXX XXXX XXXX fraud Department and working with Federal Reserve, and I lost with this transfer XXXX XXXX I want to mention, that I called the Bank to the tel. number I have on the back of my XXXX XXXX card. 
The problem is, that the Discover Bank do not complied with Federal Regulations regarding Money laundering, Drugs trafficking and Terrorism financing! 
How some one can open an account and transfer a large amount of money, XXXX XXXXXXXX XXXX and after XXXX days to transfer to XXXX XXXX a sum of XXXX XXXX with no information asked about client, questions about money provenience, purpose of money transfer, etc.? It was strange also to me, but the crooks told me that nobody will ask me anything! How they new that? Someone from the Bank is hand in hand with crooks? FBI can not do anything because there are XXXX and XXXX cases, and closed the case. In these conditions why the Banks do not take preventive measure to avoid the criminality, especially for vulnerable clients? I am XXXX XXXX XXXX, what business I have to do with XXXX? All my life I have my money in XXXX with XXXX Bank, for XXXX  years. How this Bank do business in XXXX XXXX with Banks with false or fake accounts, and people which can not be identified? Is it not strange? Haw the business can be conducted in this way today in these conditions? Year ago to transfer money to other country you need to call many times, questions were asked, and take a long time!!!!! Why the licensing of these Bank are permitted if they do not comply with Federal Regulations and work with fake accounts? 
I ask CFPB to take measures to reimburse me for losses because my money were FDIC insured. FDIC insured the clients money not the Banks, for their negligence. 
Thank you for understanding XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: TX

Complaint narrative:
There are multiple inquiries tied to your company on my credit report that I did not approve.

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 2025-02-07 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX 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 2025-02-07 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX 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 2025-02-07 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX 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 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 2025-02-07 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX 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 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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-07 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 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 2025-02-07 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 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 2025-02-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: American Credit Acceptance, LLC
State: MD

Complaint narrative:
In XXXX I was Car jacked out of my XXXX XXXX XXXX that I had that car XXXX  years XXXX payments left but because I had Gap insurance a bad situation wasn't made worse. Im a single mom business owner and not a fool. And I have to admit I wasn't in a hurry to get behind a wheel of another car because I had been shaken by the ordeal of almost being ran over by my own car, and id been getting nudges by XXXX of my dearest clients XXXX XXXX a new retiree a librarian who was with me when I was looking got approved and requested to have gap insurance and when told the price was an extra XXXX XXXX my exact response was will be worth it should anything happen out of my control. I'm it for my family here so I need safe guards. So we continued and then I was transferred to a tablet because something happened a glitch or something took place and I started where id left off had to get XXXX on the line to secure insurance for the car and continued on. and on XXXX of XX/XX/XXXX XXXX I was t-boned and injured in that accident where I am still recovering from a concussion and bruising on the brain from impact ( see XXXX in attachment ) but XXXX kept calling and so I started looking for paperwork and reached out to XXXX and was XXXX that I in fact did not have gap insurance. that I bought XXXX XXXX. I would never by an extended warranty Gap insurance is the way I insure my property as well as keeping the car maintenance. yes it had been a year but I would have never taken Possesion of the car without gap insurance so the fact that XXXX is saying that I waved XXXX is insidious after looking at the paperwork and seeing that the gap waiver clause is void of my signature, It says NA and should have my signature if I in fact waived gap insurance. This is causing me my credit rating and hardship because I will eventually will have to move and obtain housing my daughter graduate this year we are looking for schools, I am trying to maneuver through this tumultuous terrain and I am so tired of big businesses like XXXX  XXXX finding ways to defraud honest hard working people like myself a pillar in my community. I am sending supporting documentation and I look forward from hearing from you. Your assistance in this means everything to me and my family!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
State: DE

Complaint narrative:
Credit Bureau did not protect my information from illegal use XXXX Credit.improper use of my name and wrongful information from companies

Company response to consumer: Untimely response
Consumer complaint received 2025-02-07 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: AR

Complaint narrative:
I looked at my account on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting 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. 

I Sent a letter asking them to reinvestigate these accounts listed below because XXXX date last active not reporting correctly shows date of XX/XX/XXXX With XXXX Experian shows a date of XX/XX/XXXX XXXX shows a date of XX/XX/XXXX last date of payment is incorrect as well XXXX XX/XX/XXXX Experian shows date of XX/XX/XXXX XXXX shows a date of XX/XX/XXXX date opened is incorrect as well XXXX shows a date of XXXX Experian shows XX/XX/XXXX high credit usage is incorrect as well XXXX XXXX XXXX and XXXX XXXX XXXX last reporting date for XXXX XXXX XX/XX/XXXX Experian shows XX/XX/XXXX I Sent a letter on XX/XX/XXXX asking for the, to reinvestigate this account XXXX I have gotten the investigation back but nothing was modified or updated on the account So i requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681I7 They also violated 15 USC 1681I ( 5 ) Can you please look into 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 2025-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC
State: CA

Complaint narrative:
I was pre-approved for a car, but they took my down payment before the loan was finalized. After submitting everything they asked for including the down payment, I was denied and now am being told it can take up to 15 days to return my {$5000.00} which I find unacceptable and probably illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: FL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I am filing a complaint against Wells Fargo regarding a disputed charge. I disputed a charge of {$850.00} and XXXX charges of {$200.00} from XXXX, believing they were fraudulent since my ads are paused and my threshold limit is {$200.00}. The Wells Fargo representative disputed the charge fraud rather than unauthorized. Wells Fargo then denied my dispute, stating that it was not classified as fraud and that I could only dispute the charge once, despite having supporting documentation that indicates the dispute was filed incorrectly. I believe this policy is unfair and would like further assistance in resolving this matter. I did not authorize this charge and I am being held responsible for unauthorized transactions.

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 2025-02-07 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 2025-02-07 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: GA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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