vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 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: MO

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> TRANSUNION XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear TransUnion, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results effectively.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the inaccurate information being reported : 1. Under the FCRA, you are required to : Conduct a proper investigation into my dispute. 
Inform me of the results of your investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 
If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 

Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 
Thank you for addressing this matter promptly. I look forward to your response within the legally mandated 30-day timeframe. 

Sincerely, 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 2025-03-15 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: PA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX TX XXXX I am writing to formally follow up on my previous dispute regarding inaccurate information on my credit report. As per the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to complete your investigation within 30 days of receiving my dispute. However, as of today, this timeframe has expired, and I have not received a resolution. 

Due to this violation of federal law, you are now required to delete the disputed accounts from my credit file immediately. I demand that you take action without further delay. 

Disputed Accounts : ( XXXX ) ** This account is not showing maximum possible accuracy according to 15 U.S.C . 1681e ( b ). The open date and last active date are incorrect. Delete immediately for violations of 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681i ( 5 ), 15 U.S.C. 1681s-2, and 15 U.S.C. 1681n.

XXXX XXXX XXXX XXXX This account has inaccurate reporting of the open date and last active date. Delete immediately for violations of 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681i ( 5 ), 15 U.S.C. 1681s-2, and 15 U.S.C. 1681n. 
( XXXX ) / ( XXXX ) ** Both accounts contain inaccurate open dates and last active dates. Delete immediately for violations of 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681i ( 5 ), 15 U.S.C. 1681s-2, and 15 U.S.C. 1681n. 
( XXXX ) ** This account is not showing maximum accuracy. Delete immediately for violations of 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681i ( 5 ), 15 U.S.C. 1681s-2, and 15 U.S.C. 1681n. 
( XXXX ) ** The open date and last active date are incorrect. Delete immediately for violations of 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681i ( 5 ), 15 U.S.C. 1681s-2, and 15 U.S.C. 1681n. 
Since the 30-day period has expired, I am requesting the immediate removal of all disputed accounts from my credit report. Failure to comply will leave me no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially take legal action for damages as permitted under 15 U.S.C. 1681n.

Please provide me with written confirmation that the disputed accounts have been deleted from my credit report. I expect a response at the address listed above.

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 2025-03-15 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: FL

Complaint narrative:
Multiple Inquiries were found on my credit report. i tried gettimg in comtact with credit bureaus to dispute but they have refused. THEY ALL WERE FRAUD. IT WASNT ME. MULTIPLE INQUIRES SUCH AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Self Financial Inc.
State: IL

Complaint narrative:
On XX/XX/2025 I received an email from Self stating that a payment had to be made or the account would be sent to collections or charged off. This couldn't be right because I've been making payments on this account in an attempt to get caught up. I then looked at my payment history and saw that instead of my balance owed going down, it was increasing. I had been charged a late fee for the last couple of payments and possible a number of times in the past. I reached out to customer service via chat where I was connected with XXXX XXXX I asked her if a late charge could be waived and late payment status could be udated on my credit report as I had been making payments on the account by my due date which is the XXXX of each month. I had just made a {$54.00} dollar payment on XX/XX/XXXX. She then proceeded to tell me that the late status would remain unchanged and that the late charges could not be waived on an account after it is closed. I didn't even know that my account was closed because I never received any correspondence informing me of the closure. I requested to have an itemized statement of the payments made on this account eamiled and mailed to me. She disregarded my requested and stated that she could send statements instead.Just off of this conversation I've identified several violations of consumer law the greater being 15 USC 1666B, 1026.10 is part of 12 CFR Part 1026 ( Regulation Z ) and 15 USC 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
At approximately XXXX XXXX on XX/XX/XXXX my accounts personal and joint, disappeared from the online banking webpage and app. 
No messages on the messaging portal indicated what happened. 
I searched my emails multiple times for any sort of notice. Shortly I saw a notice from that evening that the account ( each of them ) were closed, After the fact. Of course I called and spend over an hour attempting to find out where my money was and why this happened. 
I was told someone they couldnt disclose signed off and that Id eventually get a check. No further details available. 

I frequently check my emails- no warning of this and now no details or explanation.

The operator frequently checks with supervisors and came back with nothing each time. I was only told I must have violated the depot agreement but no information on HOW OR WHEN.

Since we were after hours I asked for who I could reach the next day who could help me such as a bank manager. He refused that and gave me the general number. 

XX/XX/XXXX I called early to ask for a supervisor who was named XXXX. 
I was given no notice, see screenshots attached. They gave no indication of what happened. They just closed it and removed all access to my records and my Funds. Approximately {$4800.00}. I was told that a letter dated XX/XX/XXXX was sent. I searched again and now it showed up in my email on XX/XX/XXXX but not before. 
I had to ask them what my balances were. 
I have my and my wifes social security benefits which we live on, coming to an account there, I had retirement funds being deposited that day that WERE NOT reflecting in the balances I was told. I have no way of investigating this or tracking it at Ally. I had just completed setting up multiple auto payments with that bank, all of which will be returned. 
There will be financial hardships. 
I need that money now, I have to buy expensive medication and pay other bills.

I was told the check would come in 7-10 days AFTER it was sent and it had not been sent. I asked for a call from whoever could explain and they said it was under review and they would request a call to me in 1-3 business days. 
Because they have cut me off from my funds without reason or recourse, it seems illegal to me.there are three other accounts not included in documents that are under wifes sign on. We will try to upload separately.

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 2025-03-15 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TransUnion Credit Bureau has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: NJ

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 - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/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 2025-03-15 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: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it.

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 2025-03-15 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: I.C. System, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXXXXXX Hard Inquiry XXXX XXXX XXXXXXXX Hard Inquiry XXXX XXXX XXXXXXXX Hard Inquiry XXXX XXXX XXXX Hard Inquiry XXXX XXXX Hard Inquiry XXXX XXXX XXXX Hard Inquiry XXXX XXXX XXXX Hard Inquiry I submitted a request to have them removed but they werent

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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute your companys failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, which holds entities civilly liable for negligent non-compliance. After reviewing my consumer report and related correspondences, I have identified violations that have caused financial and reputational harm.

The violations this company has set upon me are failure to follow reasonable procedures. This company has failed to maintain accurate and fair consumer reporting, such as incorrect information on my credit report. This company has failed to verify data before reporting. This company has failed to conduct a reasonable investigation. This company has failed to correct and delete my inaccurate information. As a direct result of these violations, I have suffered damages, including but not limited to : Denial of credit, loans, or employment opportunities Emotional distress and reputational harm Financial losses due to increased interest rates or other consequences Under 15 U.S.C. 1681o, negligent non-compliance with the FCRA entitles an affected consumer to recover actual damages, court costs, and attorneys fees. I request that your company take the following corrective actions immediately : 1. Correct or Delete the Inaccurate Information from my consumer report ( s ).

2. Provide Written Confirmation that the necessary corrections have been made.

3. Compensate Me for Damages suffered as a result of your non-compliance, in accordance with the FCRA.

Please consider this my final attempt to resolve this matter amicably. I expect a response in writing detailing your corrective actions. You may send your response to the address listed above.

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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute your companys failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, which holds entities civilly liable for negligent non-compliance. After reviewing my consumer report and related correspondences, I have identified violations that have caused financial and reputational harm.

The violations this company has set upon me are failure to follow reasonable procedures. This company has failed to maintain accurate and fair consumer reporting, such as incorrect information on my credit report. This company has failed to verify data before reporting. This company has failed to conduct a reasonable investigation. This company has failed to correct and delete my inaccurate information. As a direct result of these violations, I have suffered damages, including but not limited to : Denial of credit, loans, or employment opportunities Emotional distress and reputational harm Financial losses due to increased interest rates or other consequences Under 15 U.S.C. 1681o, negligent non-compliance with the FCRA entitles an affected consumer to recover actual damages, court costs, and attorneys fees. I request that your company take the following corrective actions immediately : 1. Correct or Delete the Inaccurate Information from my consumer report ( s ).

2. Provide Written Confirmation that the necessary corrections have been made.

3. Compensate Me for Damages suffered as a result of your non-compliance, in accordance with the FCRA.

Please consider this my final attempt to resolve this matter amicably. I expect a response in writing detailing your corrective actions. You may send your response to the address listed above.

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 2025-03-15 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:
Im 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 the lagged posting of charges and credits. This issues 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 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I applied for a card with a balance transfer offer. After the balance transfer I was charged interest. Company has been back and forth for a month trying to resolve the issue I have not received a response. I am still being charged interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Did not investigate inaccurate information on credit on experian credit report.

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 2025-03-15 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: FL

Complaint narrative:
Multiple Inquiries were found on my credit report. i tried gettimg in comtact with credit bureaus to dispute but they have refused. THEY ALL WERE FRAUD. IT WASNT ME. MULTIPLE INQUIRES SUCH AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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