vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: LA

Complaint narrative:
I came across the CFPB Experian and XXXX lawsuit. I feel I was negatively impacted, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were verified. You all either come with the receipts, or delete the inaccurate items 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 2025-01-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: AVANTE
State: AR

Complaint narrative:
I received a call at XXXX XXXX XXXX on XX/XX/XXXX that says it's located in Texas ( XXXX ) XXXX very rude demanding and harassing very unclear when they tried to identify themselves when not tell me why they were trying to reach me even though I had not confirmed my identity yet they were demanding debt collection with the threat to sue and or legal action. The debt a tried to collect was not my debt and has never been my debt. I never authorized this caller to call nor did I authorize the release of any personal details to be released to the company. I just got this phone number I have and they called and asked for me by government name and even gave my birthday to me and I've never had any debt with any credit cards or loans. I have nothing from this company on my credit report I use XXXX XXXX so I know when I have anything on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: SC

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 changes and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: SC

Complaint narrative:
I have sent multiple complaints through CFPB and FTC but I don't see why these negative accounts, which I didn't authorize are still on my credit report when I have done my part. I've checked this and reached out to the creditors that I am not aware of and have no knowledge of this.

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 2025-01-22 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and realized some alarming information.I found there were fraudulent accounts that I have no knowledge of.I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made.I believe I am a victim of identity theft.

These accounts being reported in my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts.This is a clear violation of my fair credit reporting act ( FCRA ) I ask that the accounts listed below be removed because its in clear violation of the fair credit reporting act section 15 U.S code 1681i-Procedure in case of disputed accuracy.I ask that the accounts and inquiries be investigated throughly and as a result removed from my 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 non-monetary relief
Consumer complaint received 2025-01-22 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and realized some alarming information.I found there were fraudulent accounts that I have no knowledge of.I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made.I believe I am a victim of identity theft.

These accounts being reported in my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts.This is a clear violation of my fair credit reporting act ( FCRA ) I ask that the accounts listed below be removed because its in clear violation of the fair credit reporting act section 15 U.S code 1681i-Procedure in case of disputed accuracy.I ask that the accounts and inquiries be investigated throughly and as a result removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I filed two complaints back in XXXX  never heard anything back and incorrect information or information that should be removed still is on my 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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/XXXX, the Bureau filed a lawsuit against Experian Information Solutions XXXX Inc., one of the largest consumer reporting agencies in the country. Experian collects and organizes data on most adult Americans to generate consumer credit reports, which it sells to creditors and other businesses who are evaluating whether to offer consumers products, services, or opportunities such as credit lines, loans, jobs, and housing. To promote the accuracy and fairness of information in consumer credit reports, the federal Fair Credit Reporting Act ( FCRA ) gives consumers the right to dispute incomplete or inaccurate information in their credit file and requires consumer reporting agencies like Experian to forward such disputes to the company that originally provided the information ( called the furnisher ) for investigation. FCRA also requires consumer reporting agencies to reinvestigate such disputes and remove or correct any inaccurate, incomplete, or unverifiable information. The Bureau alleges that Experian violated FCRA by failing to properly conduct reinvestigations of disputed information in consumer credit files; failing to delete inaccurate, incomplete, or unverified information in consumer credit files; failing to provide adequate written notice to consumers of the results of its reinvestigations; failing to prevent the improper reinsertion of previously deleted information from consumer credit files ; and failing to follow reasonable procedures to assure maximum possible accuracy of the credit information Experian reports on consumers. In addition, the complaint alleges that Experian committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by ( 1 ) failing to convey consumers disputes to furnishers fully and accurately, and instead distorting, truncating, and mischaracterizing consumers disputes ; ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of that furnishers unreliability ; and ( XXXX ) improperly reinserting tradelines into consumer credit reports due to its practice of failing to adequately match newly reported tradelines to tradelines that were previously deleted as a result of a dispute if the subsequent furnishing was from a new furnisher. The Bureau seeks, among other things, to bring Experian into compliance with the law, consumer redress, and the imposition of civil money penalties.

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 2025-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear cfpb, I, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts owed are fruad for the following items : 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 challenges the * 30 day response time * +15 USC 1681i ( a ) 6 ( B ) 3 challenges investigation protocol * *15 USC 1681 ( a ) ( 5 ) B challenges reinsertion protocols I am a victim of fraud and this is not my account, and I want it removed immediately under 42 U.S code subsection 12203, Ucc1 308 FCRA, FCRA 15 USC 1681,1692, 18 USC 1028A, 15 usc 1605 TILA act I am disputing this claim due to : account FRAUDULENT and I Am REQUESTING it to be removed immediately This is my official request to have the aforementioned items to be deleted off my credit report.

Enclosed may be additional evidence to support my claim.

605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of 39 605B - 15 U.S.C. 1681c-2 Unauthorized Use of Personal Information : ** If someone illegally obtains your personal details ( such as through a data breach or phishing scam ), they might use it to apply for credit.

2. Creditors Reporting Accounts : ** These unauthorized accounts are reported to credit bureaus by the lender, leading to negative items ( like debt, late payments, or collections ) appearing on your credit report.

3. Aggravated Identity Theft Crime : ** Since your identity was used to commit fraud ( such as applying for credit ), this qualifies as aggravated identity theft under **18 USC 1028A**, which covers identity theft committed by other criminal acts, like fraud. 

ID FOR COMPLAINT SENT TO EXPERIANXXXX ID FOR COMPLAINT SENT TO XXXX ID FOR COMPLAINT SENT TO 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 2025-01-22 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: RI

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc.
State: MN

Complaint narrative:
In XX/XX/XXXX, I had plans to move to XXXX XXXX XXXX I found a private landlord which I later learned she was actually a XXXX. I was going to rent XXXX of her units but upon inspection I noticed a lot of things wrong broken things it was also XXXX XXXX it did not represent the pictures she posted in the ad! so I backed out at the last minute. She became very irate and stated that she was holding the unit for me and she couldve rented it out already. I advised her of all the things that were wrong. She still was very upset fast-forward a few months later in XX/XX/XXXX I received an email from a debt collection agency ( southwest recovery services ) stating that I owe over XXXX for back rent on a property that I never moved into When I asked them to provide me with paperwork. They sent me on paper with my name signed on it saying that it was the lease agreement which was forged because I never signed a lease agreement. The signature was taken off of my application when I paid the application fee. Thats how my information got leaked to begin with When I asked them. What could I do? They stated I would need to contact XXXX XXXX, to resolve it, or take legal action to have it resolved when I tried to contact her I was unable to find her or contact her. I did file with the XXXX XXXX to take her to court, but the XXXX XXXX XXXX was unable to serve her court papers because they were not able to locate her I had given them multiple addresses to where I thought she either lived or worked, and they were all dead ends. Eventually, they said that I would need to hire a private server in order to serve her because they made more than XXXX Attempts And thats all they are allowed to make to this day XX/XX/XXXX I still have not been able to server her! Ive reported this with XXXX multiple times and tried to dispute it multiple times and they always say they do an investigation and that it came back as valid, which is untrue. It is not reported on on either of the other credit bureau just XXXX! I would like this removed off of my credit report as this has been a hassle and been holding me back from future housing. I have never had an eviction or any collections for housing on my credit report and since this has been on there, I have been unable to obtain housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
I am submitting this complaint with complete certainty and growing frustration. My credit report contains numerous errors that I can no longer overlook, as they are having a profoundly negative impact on my life and credit score. These inaccuracies are obstructing my ability to achieve financial freedom and stability, which is deeply disheartening.

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 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am writing to address a serious issue regarding the reporting of fraudulent information related to my account on my credit report. This account originates from New Mexico, while I have been a resident of Texas for the past 17 years. 

I recently discovered that your company is reporting an account that was previously handled by Genesis XXXX. After resolving the matter with Genesis, I was surprised to find it now listed under your name, which appears to be just another DBA for the same company. 

This practice is concerning and, I believe, not legal. I previously requested verification for this account, but I have yet to receive any documentation to support your claims. According to your representative, Columbia Debt Recovery and Genesis XXXX are essentially the same entity, raising questions about the legitimacy of your collection efforts. 

I am now formally requesting clarification regarding the ownership of this account. It is unacceptable for a debt that has already been addressed to be pursued under a different name without proper verification. 

This situation violates the Fair Credit Reporting Act ( FCRA ), and I urge you to take immediate action to resolve this matter. I expect a prompt response regarding the verification and ownership of this account. Under the method of verification outlined in 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), you are required to send the necessary documentation within 15 days, along with a description of the procedure used for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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:
Violations of : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) 3rd Notice : Identity Theft.

Identity Theft Victim 75-60. Title. This Article shall be known and may be cited as the " Identity Theft Protection Act ''. ( XXXX, XXXX. XXXX. ) Equifax Conducted Sham Investigations on My Credit file, rather than Properly Reviewing the Alleged Frivolous Disputes, I begged them to do, as required by Federal Law. 


, I am complaining about the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report by XXXX XXXX XXXX, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have discovered that the fraudulent account had been opened in my name without my knowledge or consent. However, there is no legal admissible evidence to verify the accuracy of what XXXX XXXX XXXX. I am requesting the fraudulent items are removed immediately : XXXX XXXX XXXX : # XXXX  : Balance : {$1800.00} ; Opened Date : XX/XX/XXXX XXXX XXXX XXXX ; # XXXX : Balance : {$750.00} : Opened Date :?? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After discovering this unauthorized activity and receiving mail about these erroneous collections, I took steps to protect my credit files and identity to prevent more damages. I have communicated with furnishers via certified mail on several occasions. Despite this, I have continued to receive frivolous computerized statements without any legal proof of these derogatory marks. However, no legal proof of the marks has been provided or proven Under the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ), I am formally requesting the names and business addresses of each individual you contacted for verification purposes. The fraudulent information has impacted my credit report, causing considerable psychological stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
My Zelle account was closed and {$2500.00} was taken from my bank account unwillingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's dispute resolution process, particularly in light of the recent CFPB lawsuit, which highlights significant issues with the platform. Despite using Zelle frequently and reporting discrepancies, both my financial institution and Zelle failed to adequately investigate my claims. I was informed that recovering lost funds was impossible and that tracking these transactions was deemed unfeasible. The CFPB 's findings reveal that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the platform, leaving users vulnerable to scams. This lack of accountability and transparency is deeply troubling and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation