vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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: PA

Complaint narrative:
Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable account unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic 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
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I received a hard inquiry notification on my XXXX XXXX account ( Transunion? ). I additionally received an email from XXXX thanking me for applying for a XXXX credit card. I did not apply for a XXXX credit card. My name was spelled incorrectly in the email as well ( XXXX ). I believe someone is trying to commit identity fraud. When I attempted to call XXXX, I was unable to speak to anyone because it kept asking me to input my account or card number. I do not have either because I am not affiliated with 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 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I just got paid from my job after getting laid offf and capital one is still holding my deposit!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: WA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Demand and Request to Correct Inaccurate Reporting To Whom It May Concern : I am writing to formally demand that you immediately cease and desist from reporting inaccurate information on my credit report. Specifically, the information in question includes a derogatory mark of XXXX XXXX, as this account has been closed, yet it still keeps recurring on my credit report. XXXX XXXX acct # XXXX, Account type Credit Card, has been charged off, yet you still are reporting this account as OPEN. These inaccuracies have cause significant harm to my creditworthiness and financial stability.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681 et seq., I have the right to dispute any information that is incorrect, or unverifiable, and I expect a timely and thorough investigation. Despite previous attempt to resolve these inaccuracies, they remain unaddressed, which constitutes a violation of my rights under the FCRA. 

Furthermore I am aware that Experian an XXXX is currently being sued by the Consumer Financial Protection Bureau ( CFPB ) for noncompliance with the FCRA and other consumer protection laws, including mishandling consumer disputes and providing misleading information. This lawsuit highlights Experian 's ongoing failure to comply with legal obligations to correct and report accurate information. 

As part of this demand, I request the following ; I'd like a Forward Flow Agreement. I'd also like a Chain of Assignment.

1. Immediate correction from all bureas or removal of the inaccurate information from my credit report as required by 15 U.S.C 1681i ( Investigation of Disputed Information ) 2. Cease and desist from any further communication with me, except as required by law or to confirm the resolution of this matter.

Failure to address this matter within thirty days of receipt of this letter will leave me no choice but to escalate my complaint to the CFPB and pursue any additional legal remedies available to me under the FCRA. 

Please provide written confirmation of your compliance with this demand with the stated timeline. 

Sincerely, 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 2025-01-21 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:
all major credit bureaus are reporting inaccurate information on my credit report, coming from my XXXX XXXX XXXX XXXX, account number XXXX original creditor, XXXX XXXX XXXX balance of XXXX the second account number is XXXX original creditor, XXXX XXXX XXXX balance of 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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have consistently made my payments to XXXX XXXX on time and take my financial obligations seriously. However, TransUnion has reported an inaccurate late payment for XX/XX/year> on my account, which is both unjust and harmful. This false reporting violates 15 USC 1666b ( a ), which states payments can not be treated as late if received within the agreed timeframe. Furthermore, TransUnion 's failure to verify and accurately report this information constitutes a direct violation of 15 USC 1681e ( b ), which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy, and 15 USC 1681s-2 ( b ), which mandates furnishers to investigate and correct inaccurate information.TransUnions negligence also violates 15 USC 1681a ( 2 ), as it is obligated to ensure that only accurate and permissible information is reflected on my credit report. By failing to address this error, TransUnion is in willful noncompliance with 15 USC 1681n, exposing it to liability of {$1000.00} per violation, in addition to punitive damages for knowingly reporting false information. This negligence further breaches 15 USC 1681o, causing me undue stress, financial harm, and damage to my creditworthiness. This false late payment has significantly impacted my ability to secure loans critical for my personal and professional needs, including maintaining financial stability for myself and my family. Despite my flawless payment history, XXXX inaccurate reporting is undermining my financial integrity and limiting opportunities. I demand that TransUnion immediately correct this inaccurate late payment to reflect PAID AS AGREED. If this is not resolved promptly, I will be left with no choice but to pursue legal action under federal law to protect my rights and seek compensation for the harm caused.

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 2025-01-21 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: FL

Complaint narrative:
Collection account with XXXX is showing on my consumer credit report. The balances are incorrect and with new law REGULATION V medical debt should not be on my credit report. XXXX and equifax have yet to remove these accounts. Please remove these accounts as they are an inaccurate and a violation to my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
I had many contacts about the following problem. I am reporting the communication that took place today. 
My mortgage company, Lakeview / Mr. Cooper sent me a letter with the incorrect and alarming statement that " [ their ] records indicate a lapse in insurance coverage between XX/XX/XXXX and XX/XX/XXXX '' and that a " premium will be paid from [ my ] escrow account for this time period. '' ( This is not just incorrect, but ludicrous, since in the same letter they notify me that the insurance policy for that period was cancelled effective XX/XX/XXXX. They are notifying me that I never had an insurance policy while at the same time notifying me that this insurance policy has been canceled from this day forward ). 

When speaking to an agent, XXXX on XX/XX/XXXX, she denied that the information was false- including the alarming notice they would be deducting an insurance premium from my escrow, unless I did something to prove their records were wrong. Instead she explained that this letter was merely something that is autopopulated and sent out as a customary practice ( whether correct or not ). She was adamant that this wasn't a case of incorrect or false information, and she was dismissive of my concerns or the inconvenience it caused. 

It is this fact that I want you to be aware of. The mortgage company is sending notices to many customers/ mortgagees who change insurance policies, like myself, and the companies make false declarations of a complete lapse in coverage for the entire period of the previous insurance policy. They then threaten that, unless the customer takes action, they will charge them an insurance premium. This is despite the fact that their own records show the insurance premium being paid out of the escrow account that they manage. This is despite the fact that, rather than owing a premium, the customer / mortgagee is in fact entitled to a REFUND of the premium for the period that will not be used. 

Bottom line- the mortgage company is notifying customers that they owe money to their mortgage account and threatening collection, instead of truthfully reporting that they are entitled to a refund of money they paid in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: DC

Complaint narrative:
My identity was stolen in 2016 and a report was made on XX/XX/year>. I checked my credit scores on XXXX, XXXX and XXXX and found multiple accounts and debts that I know nothing of including collections and credit pulls. Now I am faced with collection letters and I dont know anything about the debs mentioned in the communications. 
I have never lived nor applied for anything in California or Texas and I have no addresses there. The person who stole my identity lived in Texas and California. There are also discrepancies with my name and the multiple accounts on the XXXX credit bureaus previously mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be in accurate or incomplete or can not be verified the reporting agency shall -- promptly delete the items of information from the file of the consumer, or modify those item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information will be deleted from the file of the consumer. Please remove the following items from credit report, immediately : 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 2025-01-21 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: CA

Complaint narrative:
I was checking my credit report and noticed that XXXX was listed on my report as a closed account. This account has been closed since XXXX  and I did not authorize this publication to my credit report. I was unaware that my credit was reported negatively. This is harmful to my living statndards.

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) 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. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2025-01-21 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: CA

Complaint narrative:
I was checking my credit report and noticed that XXXX was listed on my report as a closed account. This account has been closed since XXXX and I did not authorize this publication to my credit report. I was unaware that my credit was reported negatively. This is harmful to my living statndards. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 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. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: CA

Complaint narrative:
I was checking my credit report and noticed that XXXX was listed on my report as a closed account. This account has been closed since XXXX  and I did not authorize this publication to my credit report. I was unaware that my credit was reported negatively. This is harmful to my living statndards.

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 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. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2025-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: NPG Associates, Inc.
State: CA

Complaint narrative:
NPG Associates started calling me in XXXX of 2024 every time from different numbers stating to have ownership and collect a debt from XXXX XXXX XXXX  XXXX is what they are trying to collect sue me and take me to court for i was in a really abusive relationship and had to flee i don't have none of the items. they were given XXXX tvs back but the couch and love seat and XXXX was not i don't know what happened to it but i would just like this settled please this man tried to XXXX  XXXX XXXX XXXX XXXX and he took everything from me. ive had to start over. I've also asked XXXX XXXX XXXX to give me information on all accounts the have not provided me with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: MI

Complaint narrative:
i am writing to file a complaint against navy federal credit union regarding multiple overdraft fees that have been incurred on my account. 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 intially 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 2025-01-21 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: TN

Complaint narrative:
I am writing to formally express concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of responsibility and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation