vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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:
Experian has failed to fulfill its illegal obligation under the Fir Credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.

The Consumer Financial Protection Bureau ( 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 nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

SEE ATTACHMENTS AND ON EXPERIAN CREDIT REPORT PAGE 17 SHOWS MY BANKRUPTCY ACCOUNT.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am unable to access my full credit report or scores, only the XXXX report is available. Despite providing accurate personal information I don't have all of the information that I should have to gain access to my report and scores. According to the Fair Credit Reporting Act ( FCRA ) is a federal law that guarantees that the consumer has the right to said access to their credit reports and scores. Furthermore the Annual Credit Report website has not provided said information, due to a payment being required whereas its advertised as being free once a year. I am requesting assistance in resolving this issue and being able to gain access to my full credit report and scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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:
For months I've been sending dispute letters to TransUnion regarding the inaccurate reporting of the account XXXX XXXX XXXX ( Account # XXXX ), also demand that they provide me physical documentation to verify the accuracy and proof that I owe {$310.00}, and they refuse to correct the inaccuracy, or delete this account oof my credit file.It 's still today reporting inaccurate on my credit file.

According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are mandated to ensure the accuracy of the data they report. They are in validation, and therefore this account needs to be deleted permanently.

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 2025-01-28 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: MD

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 tje transactions were authorized. However, due to delayed posting or charges and credits, i was unfairly charged overdraft fees. 
These issues appears consistent with recent findings by 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 2025-01-28 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: TN

Complaint narrative:
I have provided all 3 credit bureau with my discharge letter for my XXXX XXXX  that was signed by the bankruptcy Court. The bankruptcy stay on credit for 10 years only all bills included is not suppose to have a statement saying potential negative on all the bills that were signed off in the XXXX  XXXX bankruptcy wish has cause me to have lower scores and is staying that those accounts have balances and are still NEGATIVE. Each time I try to get credit for my electric company I am turned down because of what all XXXX credit bureaus all providing. Each time I try getting back in school this information is still causing me a hardship for me and my XXXX  by reporting inaccurate information on accounts that were XXXX through XXXX  XXXX that do not have a negative balance. I have no balance in my XXXX  XXXX bankruptcy. I have started all new credit the account are to follow that are XXXX Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX account XXXX were all XXXX with XXXX balances. I would like the Protential NEGATIVE to be taken off of my report. They are not supposed to be showing any type of negative activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, aresidential leases was signed. 

On XX/XX/XXXX, I provided expressed and written notice that the lease will not be renewed given the monthly rental rate increase. As a result, the lease was fulfilled and a month-to-month agreement was created. 

On XX/XX/XXXX, I moved out of the subject housing unit at the agreed upon date leaving the apartment cleaned and in normal wear and tear condition. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, notified me that there was a rental balance owed of {$2000.00}. I responded shortly after receiving this email that the alleged debt was not accurate, there would be legal action taken if this file was reported to the actual Credit Reporting Agencies ( given there are reporting agencies that handle residential leases and tenant history ) and choosing to post this account would cause financial losses. 

Between XX/XX/XXXX and when I moved out of the leased apartment, I received no correspondence, demands, court filings, service, letters, notification of any amounts owed, evidencing their claim, etc. 

Prior to and after vacating the unit, there were no notification of damages to the unit, charges that would be paid from the security deposit, monies owed, balances for rent due, opportunity to cure, etc. 

XXXX XXXX, Defendant decided to put this fraudulent and none credit account, on my credit report. 

Since XX/XX/XXXX, Plaintiff has been unable to access credit or conduct business, suffered profit losses and faced financial discrimination - due to this inaccurate consumer credit account. 

To date, no debt verification, validation or proof that a debt is owed has been received. Yet, the Account remains posted on Equifax and XXXX after I forwarded proof of payment. 

Its without question, if the Company had not acted in fraud, negligence, retaliation, and unjustly - I would have not suffered monetary damages in the form of credit denials from business lenders that use personal Credit Reporting Agencies to determine funding. Since the Company 's actions, I have been unable to refinance or purchase any properties given the drop in credit score directly affecting commercial transactions, business performance and economic opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
I am writing to notify you of my status as a victim of the recent data breach, after which I became aware of fraudulent accounts and activities appearing on my credit report. Under the Fair Credit Reporting Act, specifically 15 USC 1681c-2 ( a ), I request that you block and delete any information related to the unauthorized accounts listed below. 


Below are the details of the unauthorized accounts and inquiries I have identified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These accounts were not initiated by me, and therefore I am invoking my right to have them blocked and removed from my credit report immediately.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It was stated that the information was verified by your company by FCRA Im questioning the method of your verification process Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported.

2. What certified documents were reviewed to conclude your investigation?

3. Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4. What did it cost your company to obtain the documents needed to complete your investigation?

5. Please provide proof of your timely procurement of certified documents.

6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7. If you reply yes to the above then : Who did you speak with?

What was the date?

How long was the conversation?

What was their position?

What number did you call?

What is the name of your employee that spoke directly to the above party?

What is the position of your employee that spoke to the above party?

How long has that individual been employed by your company?

What type of training was provided to this employee in order to investigate items of this kind?

Were there any e-mails or written communications between employees of your company and the above party?

8. If so, please provide copies of all correspondence and copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account ( s ) in question.

9. Please provide the date of the commencement of delinquency.

10. Please provide the SPECIFIC date reporting of this item will cease.

Enclosed with your response to the above questions, I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.

My initial dispute was detailed and directly related to the accounts ) in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report.

This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX I received a call which appeared as JP Morgan Chase XXXX # XXXX and the lady that contacted me told me I was a victim of a fraud. She indicated my account showed a transaction for {$400.00} and another for {$700.00} from a XXXX in Texas. She advised that I needed to send her XXXX separate XXXX transactions in order to protect my account and the immediately I would get my funds back. She requested one charge for {$700.00} and another for {$1300.00}. After speaking with them I realized there was an issue. I went to the bank the next morning and they advised to contact the Fraud Department however, after 10 days of waiting for a response from Chase they advised they couldnot help me and didnt return my funds because I was not a victim of Fraud but a victim of a scam. I have submitted a request via XXXX for assistance and I am still pending a response. I need help in getting my funds back and any help would be appreciated. AT this time I am not sure where to turn. I am an elderly person and a victim. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I was on the platform XXXX  ( XXXX ). Someone introduces themself as XXXX XXXX  ( private ). Thanking me for being a part of his XXXX  family. Days later someone XXXX XXXX XXXX. Said they were part of the management dept and wanted to offer me a proposition to make {$2000.00} in 7 days guaranteed. I believed them, because of my prior encounter. They I should open the XXXX XXXX and he taught me how to buy a bitcoin. But the fee lowered the presumed amount of {$200.00}, so they asked for another deposit and it kept escalating. I reached out to XXXX ( private ), I explained what happened, He/She explained to block, report and delete EMM account. At this point Im {$4900.00} out. I kept getting emails. About a week later I got messaged by XXXX XXXX XXXX apologizing for what has happed. That this should not be happening on his platform. They stated to open a XXXX account so I can get a refund. I opened it and he ask how much did they take? He automatically added it in dollars. They stated it would be only {$85.00} for the processing fee. I paid be the fees took out from the amount and once again I was caught sending more money. Another $ XXXX down the drain. I finally woke up and closed my XXXX XXXX XXXXXXXX ) account. Since then I have filed a police report and FBI report and looking into filing a lawsuit. I have lots photos. 

Impersonators and scammers posing as XXXX XXXX, XXXX XXXX and President XXXX XXXX. They contacted me via XXXX  platform, telegram and email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NC XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: AZ

Complaint narrative:
I had a cash app card that suddenly had a XXXX balance and i don't know how. When I contacted customer support to inquire about these charges, they closed my account without a response or reason. This transaction is still in my name and on my credit and preventing me from furthering my education and buying home and has caused me considerable suffering. 

I tried to become a member of the class action law suit against cash app, submitted the claim form but never heard anything back. I contacted the attorney listed in the class action notice I originally received regarding this lawsuit and they said XXXX past the submital deadline to be included and referred me to your office. 

Please let me know what O should do or who to contact. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On Saturday XX/XX/year> I received a check from my credit card company for my rewards I have accumulated in the amount of {$310.00}. I took the check to the ATM after work to deposit it. Upon inserting the check into the ATM I was informed that my check was not deposited and could not be returned and that I should go into the office in the morning. On Monday I went into the bank and told the teller what had happened and she gave me a number to call. On my lunch break I attempted to call the number but all it said was 'Congratulations you earned a {$100.00} rebate just for calling. You can hang up now '. I called the bank and was told I was given the wrong number and given another number to call. I called the new number and was told they don't know why the ATM took my check and I'd have to file a dispute for it to be investigated. I filed the dispute. The next day I checked my account and {$11.00} was deposited into my account from the check. The check was for {$310.00}. I waited a week and then called back to find out what the problem is but was told nothing. They did issue a 'provisional credit ' that I can not use since they said if they find against me in the dispute they will take the money back. So I am forced to leave the money in my account in case they decide to take it back so my account doesn't get overdrawn and reported to the credit bureau as the one representative threatened to do. It has now been three weeks and I can not get any answers from the bank. They can't tell me why the ATM took my check and my account has been in limbo waiting for a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NC

Complaint narrative:
My name is XXXX XXXX please take note that I am personally writing this complaint. Again, no third party involved. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I am not aware of all of this stuff ; I will have the FTC investigate on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
In XX/XX/year> I received a text message with photos of my passport and social security card from someone who stole my identity. I filed a police report and went through my accounts and discovered from XX/XX/year> onward that there were many fraudulent cash app transactions taking from my XXXX account. I contacted cash app and they locked me out of my account. I've contacted XXXX numerous times and was first asked to provide a police report, which I did. They denied the claim because cash app was able to verify my information ( it was fraud not a disputed error transaction!?! ). I was asked to provide proof I put a fraud alert on my credit reports, which I had done in XXXX The dispute was filed incorrectly, including items not disputed and now tell me that there are inconsistenties between the info provided and my account statement ( only because they created said inconsistenties ). Each time they put up a hoop I provided the information and then it's denied. 

I am attaching the information provided to XXXX and the amounts in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am writing to file a complaint regarding the denial of my credit card application submitted to Navy Federal Credit Union ( NFCU ) on XX/XX/year>. I was informed of the denial on XX/XX/year>, and I know this denial may have violated my rights under the Equal Credit Opportunity Act ( ECOA ). I extended my credit to them and recived nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation