vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: CA

Complaint narrative:
Chronology of Events : 1. Discovery of Inaccurate Accounts ( XX/XX/XXXX ) : Upon reviewing my Experian credit report, I identified multiple accounts that I believe are fraudulent, inaccurate, or improperly reported. These accounts include : XXXX XXXX  ( Account Numbers ending XXXX, opened XXXX & XXXX ). 
XXXX XXXX XXXX  ( Account Numbers ending XXXX, opened XXXX & XXXX ). 
XXXX XXXX XXXX Account Number ending XXXX, opened XXXX ). 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) ( Account ending XXXX, opened XXXX ). 
XXXX ( Charge Off, Account Number ending XXXX, opened XXXX ). 
Additionally, I identified hard inquiries from XXXX XXXX in XXXX that I did not authorize. 
________________________________________ 2. Initial Dispute Submission ( XX/XX/XXXX ) : I filed a dispute with Experian under FCRA 605B, citing identity theft and inaccuracies on my report. I provided : Identity Theft Affidavit.

Copies of my government-issued ID and Social Security card .

A detailed explanation of the fraudulent accounts and supporting documentation. 
________________________________________ 3. Experians Response ( XX/XX/XXXX ) : Experian responded by claiming they contacted data furnishers, who allegedly verified the accuracy of the disputed items. They closed the complaint without removing the fraudulent accounts. However : Experian failed to provide a thorough explanation of their investigative process. 
Experian did not address specific evidence I submitted. 
No detailed summary of the data furnishers responses or verification methods was provided. 
________________________________________ 4. Subsequent Dispute and Inadequate Handling ( XX/XX/XXXX ) : I filed a second complaint with Experian, including updated documentation and references to the XXXX XXXX breach, which may have contributed to the inaccuracies on my report. Despite these efforts, Experian : Continued to rely solely on furnishers responses without critically assessing their validity.

Did not take steps to block fraudulent accounts as required under FCRA 605B.

Failed to notify me of any reinsertion of disputed items.

________________________________________ 5. Current Status ( XX/XX/XXXX ) : The following fraudulent accounts remain on my Experian credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
The retention of these accounts contradicts FCRA requirements, exacerbating the financial harm I have experienced. 
________________________________________

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 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: CO

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 2025-01-29 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 formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. The issue appears consistent with recent findings by the 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 2025-01-29 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:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding an inaccurate collection account reported by XXXX XXXX ( Account # XXXX ) on my Experian credit report for the amount of XXXX dollars. I was unaware of this debt and was never notified about it in any way. Over the last XXXX years, I have been XXXX  and, during that time, did not receive any communication regarding this alleged debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ), I am requesting full validation of this debt, including : 1. Proof that I was properly notified about this account as required by law.

2. Complete verification of the debt, including a signed agreement or original contract proving my obligation to pay.

3. Proof that Collection Management has the legal authority to collect and report this debt.

As I was XXXX  during the entire period in question, I was unable to receive any notices, making this reporting both unfair and inaccurate. If the debt can not be fully validated in compliance with consumer protection laws, I request its immediate deletion from my credit report. 

I request a swift resolution to this matter. Please provide written confirmation of your findings and actions. 

Below I attached a photo of my XXXX identification card and number as I am stil XXXX  in a XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
I am filing a complaint against Zelle ( XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Zelle failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. 

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX / XXXX XX/XX/year> In accordance with 15 U.S.C. 1681c-2, I request that you immediately block this fraudulent information from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, you are not allowed to report these accounts on my credit history. 

I have contacted the credit bureau multiple times regarding these fraudulent accounts on my report, but they have failed to provide a solution. This situation is severely affecting my ability to acquire a new home for my children. These accounts were removed and not verified by other credit bureaus, so I do not understand why they still remain on my report. 

I have formally requested contracts containing the information that supposedly belongs to me, but more than 60 days have passed without receiving any response. I ask for your assistance in immediately deleting these fraudulent accounts. 

I have attached the FTC report ( REPORT NUMBER : XXXX ) in the hope that you will make a fair decision regarding my case. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: GA

Complaint narrative:
Request for Explanation Regarding Charge-Off Reporting I am writing to address a significant concern regarding the reporting of a " charge-off '' on my credit report. According to the IRS, a charge-off is treated as taxable income for the creditor, as it reflects a forgiven debt. However, credit reporting agencies have explicitly stated that income is not reported on consumer credit reports. 

This contradiction raises the following critical questions : Why are charge-offs being reported on my credit report when they represent taxable income that, by your policy, should not be included in credit reporting? 
How can a charge-off, which implies income for tax purposes, be simultaneously treated as a negative item on my credit report? 

I am requesting a formal explanation regarding the legal and procedural basis for reporting charge-offs in this manner, as it appears inconsistent with the guidelines set forth by the IRS and your stated practices. 

If this reporting is deemed incorrect, I would like to immediately remove the charge-off from my credit report to make sure it's in compliance with the Fair Credit Reporting Act ( FCRA ) and other relevant laws. 

Please respond to this inquiry within 30 days, as required by federal law. I expect a detailed explanation, along with any supporting documentation or legal justification for reporting this charge-off.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
XXXX XXXX issuing XXXX XXXX Reported as delinquent payments when I have made many payments all minimum payments have been met on time XXXX XXXX are 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 2025-01-29 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: OH

Complaint narrative:
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 I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved, I request immediate investigation and removal of this item, as it is incorrect and does reflect my true credit history

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 2025-01-29 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: OH

Complaint narrative:
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 I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved, I request immediate investigation and removal of this item, as it is incorrect and does reflect my true credit history

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: PA

Complaint narrative:
For atleast one year XXXX dollar a week was taken from my account. I didn't. Paying no mind at first then I said to my self months later while doing a financial check on all my accounts i notice I couldn't trace who the {$7.00} dollars was going to I rea he'd out to them se eral times no response. Two weeks after that a {$300.00} dollar with draw happened once again nothing so I went to my other bank at the ti.e to see weather they could trace it because they was connected for when I want to put extra money on my cashapp card. They explained to me they have nothing to do with 3rd party XXXX XXXX or apps. So. No support at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
After I was denied I called to see why since my social security number is an auto debit card? I was told because I didn't have a history of having a credit cards. I explained by law they can't deny me credit since I was extending credit to them and they was denying me access to my own credit. Because my ssn # is the ONLY REAL credit card 15 USC 1602 ( I ). and Anytime my ssn # is used they MUST abide by TILA and they must give full disclosure. Which they didn't. They just have a negative reflection on my credit report. That I want removed and it stated it was approved because it was and if I request a TRUE BULL which I did on a recorded line.

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 2025-01-29 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: CL Holdings LLC
State: TX

Complaint narrative:
In accordance with the fair credit reporting act ( Jefferson Capital ) has violated my rights 15 U.S.C 1681 section 602 A state that i have a right to privacy. U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-01-29 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: GA

Complaint narrative:
PERSONAL INFORMATION UPDATE LETTER XX/XX/2025 To Whom It May Concern : This is my second time writing to you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: IN

Complaint narrative:
I am writing to dispute a reporting error related to my credit file formally. Specifically, I believe your company has failed to comply with the Fair Credit Reporting Act ( FCRA ), resulting in a violation under 15 USC 1681 ( o ), which provides for civil liability for negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: AL

Complaint narrative:
They need to correct my address and remove the other addresses they overlap I'm not a XXXX I haven't work for that company since the XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have reached out to this company several times about a charge card that does not belong to me. They have been reporting a negative account on my report and I need them to remove it. I have requested documents of this said agreement and never received anything. They are reporting one amount on my credit report, but they sent me a 1099-C which is them acknowledging that this said debt has been canceled and or forgiven for a lesser amount. They are reporting one thing, but are claiming another and that is not permitted. I sent notice to opt out of them sharing my personal information until this account can get addressed, and they failed to do that too. And, if the company has been paid then they should not be reporting anything on 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 explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have reached out to this company several times about a charge card that does not belong to me. They have been reporting a negative account on my report and I need them to remove it. I have requested documents of this said agreement and never received anything. They are reporting one amount on my credit report, but they sent me a 1099-C which is them acknowledging that this said debt has been canceled and or forgiven for a lesser amount. They are reporting one thing, but are claiming another and that is not permitted. I sent notice to opt out of them sharing my personal information until this account can get addressed, and they failed to do that too. And, if the company has been paid then they should not be reporting anything on my credit report.

Company response to consumer: Closed with explanation