vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 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: BRite Financial Services, Inc.
State: FL

Complaint narrative:
I am filing a formal complaint against Brite Financial for inaccurate credit reporting and potential violations of the Fair Credit Reporting Act ( FCRA ). The company has reported misleading and incorrect information on my credit report, negatively affecting my credit score and financial standing.

Details of the Issue : 1. Incorrect Balance Reporting : My credit report states that I owe {$13000.00}, even though the account was charged off and closed on XX/XX/XXXX. If the account was charged off, the balance should not remain unless transferred to a collection agency, which has not been properly reported. 
XXXX. Contradictory Payment History : My credit report claims that I made 22 % of payments on time, yet almost every month since XXXX is marked as late. Additionally, my last payment is recorded as XX/XX/XXXX, even though the account was closed in XXXX, which is inconsistent. 
XXXX. Discrepancy in Loan Terms : The loan was supposed to last 48 months, but the account was closed prematurely in less than two years. If the vehicle was repossessed, the balance should have been adjusted accordingly, which has not been done. 
XXXX. Failure to Correct Disputed Information : I have disputed this information with the credit bureaus, but XXXX XXXX has failed to verify or correct these inaccuracies as required under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ). 

Desired Resolution : I request that XXXX XXXX and the credit bureaus immediately investigate and correct these errors by : Updating the account balance to reflect the correct post-charge-off amount. 
Correcting or removing the inaccurate late payment history. 
Providing documentation verifying the accuracy of the reported information. 
Removing the derogatory status if the account was improperly reported. 

If this matter is not resolved in a timely manner, I will escalate my complaint through additional legal channels. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: MD

Complaint narrative:
On XX/XX/year>2025 my checking and savings accounts were restricted and I was unable to deposit or withdraw from my accounts. I called for resolution and was " assured '' that the problem was a " routine check '' and that it would be resolved " soon '', however I have yet to see the account be unfrozen.

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

Complaint narrative:
I am a victim of a data breach and, as a result, have been affected by identity theft. Under 15 U.S.C.1681c-2 ( a ), I request that accounts : XXXX XXXX ( {$620.00} ) ; XXXX  XXXX ( {$8000.00} ) ; XXXX XXXX ( {$890.00} ) to be blocked and permanently deleted from my credit file due to fraudulent activity. 

Please find attached the necessary documentation, including a copy of my identity theft report, to support my request. I ask that you process this request promptly and provide written confirmation once the fraudulent accounts have been removed. 

If you require any further information to complete this process, please contact me at your earliest convenience. Thank you for your prompt attention to this urgent matter.

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

Complaint narrative:
I am a victim of a data breach and, as a result, have been affected by identity theft. Under 15 U.S.C.1681c-2 ( a ), I request that accounts : XXXX XXXX ( {$620.00} ) ; XXXX  XXXX ( {$8000.00} ) ; XXXX XXXX ( {$890.00} ) to be blocked and permanently deleted from my credit file due to fraudulent activity. 

Please find attached the necessary documentation, including a copy of my identity theft report, to support my request. I ask that you process this request promptly and provide written confirmation once the fraudulent accounts have been removed. 

If you require any further information to complete this process, please contact me at your earliest convenience. Thank you for your prompt attention to this urgent matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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:
I recently reviewed a copy of my credit report and ive noticed. I have some fraudulent accounts along with some inaccurate information in my report. Please removed them they are affecting my ability to obtain credit.

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

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: HW Holding, Inc
State: AR

Complaint narrative:
I filed a dispute on XXXX XXXX XXXX and hunter warfield due to the reason put on XXXX XXXX denied to follow up with the investigation I recently was notified that CFPB has found a lawsuit against the company they alleged the company of accepting unreliable information failure to notify consumers dispute results this aligns well with my situation XXXX has not removed nor correct any infirmation im requesting this derogatory mark be removed as it affecting my chances of getting a house/car XXXX violates my rights as a consumer as well as fedal laws

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) 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 2025-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
They keep sending me communications about a debt that is owed. I sent a letter for them to let me know what the debt is for. They have not responded.

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

Complaint narrative:
I am writing in regards to Zelles handling of disputes. The recent CFPB lawsuit highlights issues with the platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX credit card has not reported anything to Equifax credit bureau anything to Equifax since 2022. Equifax still claims that XXXX XXXX credit card is active and not closed when in fact the account was closed in good standings XXXX XXXX credit card has failed to provide financial reporting to Equifax on my account. When will XXXX XXXX update my financial reporting to Equifax? And all the major credit bureaus? When will XXXX XXXX notify Equifax that my XXXX XXXX credit card is closed because Equifax claims that the account is still active. XXXX XXXX credit card has not been reporting My financials to any credit bureaus especially Equifax which claims that my XXXX XXXX credit card is still active when it is not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX credit card has not reported anything to XXXX credit bureau anything to XXXX since 2022. XXXX still claims that XXXX XXXX credit card is active and not closed when in fact the account was closed in good standings XXXX XXXX credit card has failed to provide financial reporting to XXXX on my account. When will XXXX XXXX update my financial reporting to XXXX? And all the major credit bureaus? When will XXXX XXXX notify XXXX that my XXXX XXXX credit card is closed because XXXX claims that the account is still active. XXXX XXXX credit card has not been reporting My financials to any credit bureaus especially XXXX which claims that my XXXX XXXX credit card is still active when it is not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: NY

Complaint narrative:
I am filing a formal complaint against Equifax, Experian, and TransUnion for failing to conduct reasonable investigations into the disputes I have submitted regarding inaccuracies on my credit report. Despite my repeated submissions, all three credit reporting agencies consistently respond within 24 hours, asserting that the disputed account information is accuratewithout providing any substantive evidence that a thorough investigation has been conducted.

This practice directly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires consumer reporting agencies to perform a reasonable investigation of disputed information. Additionally, their conduct may also be in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the Consumer Financial Protection Bureaus recent administrative proceeding ( File No. 2025-CFPB-0002 ) against one of these agencies for similar infractions.

I respectfully request that the CFPB take appropriate action to ensure Equifax, Experian, and TransUnion comply with federal law and provide consumers with adequate proof that legitimate investigations have been conducted in response to credit report disputes. 


These are the accounts, addresses, phone numbers, & inquiries I want to be purged and permanently deleted. 

Experian Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts XXXX  XXXX bankruptcy discharged Reference number XXXX XXXX  XXXX Account number XXXX XXXX  XXXX Account number XXXX XXXX  XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX  XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX. 
Account number XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ( XXXX XXXX XXXX Trans Union  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX BANKRUPTCY XXXX XX/XX/XXXX XXXX XXXX XXXX NEW YORK XXXX XXXX  XXXX BANKRUPTCY XXXXXXXX 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
Consumer complaint received 2025-02-02 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: NY

Complaint narrative:
I am filing a formal complaint against Equifax, Experian, and TransUnion for failing to conduct reasonable investigations into the disputes I have submitted regarding inaccuracies on my credit report. Despite my repeated submissions, all three credit reporting agencies consistently respond within 24 hours, asserting that the disputed account information is accuratewithout providing any substantive evidence that a thorough investigation has been conducted.

This practice directly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires consumer reporting agencies to perform a reasonable investigation of disputed information. Additionally, their conduct may also be in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the Consumer Financial Protection Bureaus recent administrative proceeding ( File No. 2025-CFPB-0002 ) against one of these agencies for similar infractions.

I respectfully request that the CFPB take appropriate action to ensure Equifax, Experian, and TransUnion comply with federal law and provide consumers with adequate proof that legitimate investigations have been conducted in response to credit report disputes. 


These are the accounts, addresses, phone numbers, & inquiries I want to be purged and permanently deleted. 

Experian Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts XXXX  XXXX bankruptcy discharged Reference number XXXX XXXX  XXXX Account number XXXX XXXX  XXXX Account number XXXX XXXX  XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX  XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX. 
Account number XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ( XXXX XXXX XXXX Trans Union  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX BANKRUPTCY XXXX XX/XX/XXXX XXXX XXXX XXXX NEW YORK XXXX XXXX  XXXX BANKRUPTCY XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: Kikoff Inc.
State: GA

Complaint narrative:
I did not made any inquiries at this establishment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
On XXXX XXXX, and XXXX XXXX, and XXXX XXXX, XXXX, and XXXX XXXX, XXXX, I made one transaction from my personal XXXX  account on each of these days. When I pull up a statement for the business ( non-profit ) account to submit to our finance department for review and reconciliation, it is showing debits that I made from my personal account on the business account.

I had an email exchange with customer support three times on XXXX XXXX, XXXX, once on XXXX XXXX, once on XXXX XXXX, once on XXXX XXXX, and again XXXX XXXX. They have yet to fix the issue, nor have they communicated with me that they are working on it.

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

Complaint narrative:
This is crazy I've been disputing with this data furnisher for so long an he's just been mESSING my credit up .... I don't see how someone that's a data furnisher with that mush power can ruin someone credit, Even after paying the debt an STILL PUTTing down WRITTEN OFF and making other creditor not look at me. I want this account DELETED IF THIS DATA FURNISHER WANTS TO KEEP PLAYING. ( FCRA ) MUST REPORT accurate information OR DELETE THE ACCOUNT OFF CREDIT REPORT AN IM GOING TO " '' '' '' '' PUBLISH THIS ACCOUNT '' '' '' '' '' '' XXXX XXXX i will also be attaching a Picture to should you want the Data Furnisher been Furnishing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: LEXISNEXIS
State: NY

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & XXXX XXXX  ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
Money was going missing also account was shut down for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair 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.

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