vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: OK

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: AR

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 uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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:
Equifax has included fraudulent accounts on my credit report, specifically : XXXX XXXX ( Account # XXXX ) XXXX ( Account # XXXX ) These accounts were opened as a result of identity theft. I filed an FTC Identity Theft Report and submitted disputes with supporting documentation, including proof of identity and address. Equifax has not removed these accounts despite its obligation under FCRA 611 and 609 to investigate and delete unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: OK

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-25 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: OK

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-25 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: DISCOVER BANK
State: IL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX  has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: MT

Complaint narrative:
I am writing to formally dispute medical debt 's listed on my credit report, which should be removed immediately based on the new rules finalized by the Consumer Financial Protection Bureau ( CFPB Regulation V ). This rule, which took effect on XX/XX/XXXX, states that MEDICAL DEBT must be excluded and blocked from consumer credit reports. 

Per Docket Number XXXX, The Consumer Financial Protection Bureau ( CFPB ) has issued a final rule amending Regulation V, which implements the Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. XXXX, concerning medical information. The FCRA prohibits creditors from considering medical information in credit eligibility determinations. The CFPB is removing a regulatory exception that had permitted creditors to obtain and use information on medical debts notwithstanding this statutory limitation. The final rule also provides that a consumer reporting agency generally may not furnish to a creditor a consumer report containing information on medical debt that the creditor is prohibited from using. 

After reviewing my credit report, I noticed that it includes medical debt that meets the criteria for removal under the law. You are in direct VIOLATION of this law per the CFPB and FCRA.I am requesting that these items be promptly REMOVED and BLOCKED from my credit report. 

Details of Medical Debt : 1. Medical Collection XXXX XXXX XXXX XXXX Account Number : XXXX The FCRA prohibits creditors and/or Collection agency 's from using and/or reporting ANY Medical Accounts, Information, on consumer reports. PLEASE REMOVE AND BLOCK THIS INFORMATION WITHIN 4 DAYS. 

2. Medical Collection XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX The FCRA prohibits creditors and/or Collection agency 's from using and/or reporting ANY Medical Accounts, Information, on consumer reports. PLEASE REMOVE AND BLOCK THIS INFORMATION WITHIN 4 DAYS. 

This debt is a medical collection, and based on the new CFPB rule, I respectfully request that the entry be removed and clocked from my credit report. I have enclosed any relevant documentation and CFPB Complaint. 

Please investigate this matter and provide me with a written confirmation once the debt has been REMOVED and BLOCKED. If further documentation or clarification is required, please let me know. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
[ Your Name ] [ Your Address LVNV Funding LLC Subject : Dispute of Account # XXXX Dear Credit Bureau, I am writing to formally dispute the accuracy of the information related to account number XXXX associated with LVNV Funding LLC. Upon reviewing my credit report, I noticed discrepancies pertaining to this account. 

I have no not at this account and I asked for a proof and no proof was sent. 

I kindly request an investigation into this matter and correction of any inaccuracies. Im asking that this will be promptly removed from my credit report. 

Thank you for your prompt attention to this issue. Please notify me of the results of your investigation at your earliest convenience. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: VA

Complaint narrative:
I have no business with XXXX XXXX never had an account with them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: VA

Complaint narrative:
I have no business with XXXX XXXX never had an account with them

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Years XXXX Most of these accounts do not belong to me if sold they violate my rights. I do not owe these companies and they have been wrote off. I will not pay XXXX to fraud XXXX has no legal contract from me somone falsely gave my name. And still added to my credit I've provided proof to each federal credit bureau and they won't update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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:
Per the documents provided. The following accounts have been deleted and blocked from my XXXX credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please follow suit and delete and block the following accounts as well. The inaccurate and erroneous reporting of these unknown, un validated accounts have caused me to be homeless and car less and has defamed my character causing me to become XXXX XXXX. I have been denied credit by the banks and several other companies. Per the FCRA I am entitled a fair and accurate report across all credit reporting agencies, therefore you have to delete the accounts as well. You have refused to properly investigate and address my previous disputes regarding this same situation with proof of deletions of accounts. According to, XXXX U.S. CXXXX XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Therefore this is an FCRA violation and the dispute has not been resolved. Furthermore, The FCRA demands that CRA use reasonable procedures to assure maximum possible accuracy of the information they report XXXX U.S.C Section 1681 e ( b ). When a consumer disputes an item of information, the agency must investigate the dispute. I have forwarded this complaint to my state attorney general, the better business bureau, and I am aware do to your improper sham investigations that I can consult with a attorney that would include monetary damages, removal of incorrect reporting, attorney fees, and statutory damages. I have provided proof of deletions and proof of identification.

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 2025-01-25 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: TN

Complaint narrative:
Overdraft fees when I had an account with navy federal. I can no longer access the account as I do not have an account with them anymore and they wont talk to me without setting up an account, but I know for a fact that I was charge overdraft fees numerous times on both my checking account and line of credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
On XX/XX/year> I requested the original contract from Caine and Weiner and they removed it but 3-6 months later put it back on my credit report and updated it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
BESTBUY Citi Credit Card - XXXX XXXX - have overpaid {$820.00} - was able to get a refund for {$61.00} - but was not able to get refund for {$760.00} - XXXX Contacted BestBuy - received one check for {$61.00} and deposited to XXXX on XX/XX/XXXX - called and send message to BestBuy on XX/XX/XXXX, about the {$760.00} that they should refund however never received refund that they promised - Citi bank promised again to send another check on XX/XX/XXXX check would arrive in 7 business days on XX/XX/XXXX - XXXX Best Buy call - using website : Recent activity show that {$760.00} was refunded on XXXX and then paid somewhere on XXXX, but i have never received a check - on the call they have issues CREDIT BALANCE REFUND XXXX XXXX XXXX {$760.00} - called XXXX - XXXX is helped me, she have reviewed last transaction and confirmed that it was a check that was issued in my name and sent to me. then adjusted amount were put back on the card - XXXX Received check - for {$760.00} - XX/XX/XXXX XXXX XXXX {$760.00} ONLINE DEPOSIT : REF # XXXX {$760.00} Post Date : XX/XX/XXXX Type : DEPOSIT - XXXX XXXX returned money to Citi because of spot payment ( refuse to pay a check ) MISCELLANEOUS DEBIT RL-RETURNED DEPOSIT RETURNED DEPOSITED CHECK # XXXX {$760.00} - STOP PAYMENT - XXXX - contacted best buy again XXXX was helping me- I explained situation - she helped me to get another refund of {$760.00} and would send another check back to me again - expected to receive check in about 7-10 days, so sometime after XX/XX/XXXX - XXXX XX/XX/XXXX - best buy sent me physical mail with a copy of that check saying they closed this issue!!! they stopped payment an I got no refund!!! 

- XXXX XX/XX/XXXX - called XXXX ( XXXX ) and they told me to use my statement to prove that they have bounced that check

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 monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that Ive marked as inaccurate : XXXX. XXXX XXXX XXXX OPEN BALANCE {$160.00} COLLECTION ACCOUNT XXXX XXXX XXXX OPEN BALANCE {$170.00} COLLECTION ACCOUNT XXXX. XXXX XXXXXXXX XXXX  OPEN BALANCE {$340.00} COLLECTION ACCOUNT XXXXXXXX XXXX XXXX  OPEN BALANCE {$560.00} COLLECTION ACCOUNT XXXX. XXXX XXXX XXXX OPEN BALANCE {$990.00} COLLECTION ACCOUNT XXXXXXXX XXXX XXXX XXXXPEN BALANCE {$3100.00} COLLECTION ACCOUNT XXXX. XXXXXXXX XXXX CLOSED ACCOUNT {$520.00} REPORTED BALANCE XXXXXXXX XXXX LOSED ACCOUNT {$61.00} REPORTED BALANCE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have had this account for almost 40 years, they are threatening to close my account due to the fact that they continue to take money out of my account ( unauthorized ) to pay for a credit card that I have entered a settlement agreement for. 

I can not catch up because I continue to get overdraft fees, late fees, and NSF fees on my account every month. 

I have called them and told them that I can not purchase my required medications every month due to what they continue to do to me. I have had to move my social security deposit elsewhere due to these repeated offenses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have never had a contractual relationship with MIDLANDCRE company, and I believe the original creditor sold my account without proper notification. This constitutes a violation of FCRA Section 611 regarding the reporting of inaccurate information on my credit report. I request that this account be deleted immediately, as it is being reported inaccurately. Additionally, this account is not being reported by the other credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I am writing to file a complaint against Citizens Bank 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 Citizens Bank 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 response to consumer: Closed with monetary relief