vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: OK

Complaint narrative:
So I was on XXXX chatting with XXXX XXXX XXXX XXXX  and they asked me what platform I wanted to use and I told them XXXX. So they made me a profile and then kept sending me these cash tags to send my deposit amount to and after about XXXX failed attempts at sending my {$10.00} XXXX went through and then I quit hearing from them they said oh the boss wants to talk to you the company boss wants to talk to you on XXXX same message me on XXXX and we're trying to convince me to pay another {$50.00} because I had won the cash up jackpot of XXXX dollars and I kept telling my broke take the money out of the the fees out of the winnings if that's really what happened and that should take care of that no they want me to send this other {$50.00} they were trying everything in their best Beyond whatever they could do to get me to send another {$50.00} and I wouldn't do it I just want my {$10.00} refunded to my cash app card that they stole from me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: TX

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-02-01 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: MS

Complaint narrative:
Company has agreed to the removal of the information due to settlement. The credit bureau has not complied with the request in the last 8 months. I moving forward with suing if the inaccurate information is not removed in the next 14 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: MD

Complaint narrative:
Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if further information is required. 
Sincerely, XXXX XXXX Subject : Dispute of Inaccurate Credit Report Information Dear Experian, I am writing to formally dispute inaccurate information on my credit report regarding my XXXX XXXX account ( Account Number : Upon review, I have identified an error in the reporting of this account.

Specifically, the balance update date is listed as XX/XX/XXXX, even though the account was charged off in XX/XX/XXXX. If the account was already charged off, the balance should not be updated as recently as XXXX, as this misrepresents the true status of the account. 

Additionally, the credit usage is reported at 16 %, which is inconsistent with the balance and credit limit details provided. If my credit limit was {$2600.00} and the balance at charge-off was {$440.00}, this percentage does not seem to be accurately calculated.

I request that Experian conduct a formal investigation into these inaccuracies and either correct or remove the incorrect information from my credit file. Please provide written confirmation of your findings and any corrections made.

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if further information is required. 
Sincerely, XXXX XXXX Subject : Dispute of Inaccurate Credit Report Information Dear Experian, I am writing to formally dispute inaccurate information on my credit report regarding my XXXX XXXX account ( Account Number : Upon review, I have identified an error in the reporting of this account.

Specifically, the balance update date is listed as XX/XX/XXXX, even though the account was charged off in XX/XX/XXXX. If the account was already charged off, the balance should not be updated as recently as XXXX, as this misrepresents the true status of the account. 

Additionally, the credit usage is reported at 16 %, which is inconsistent with the balance and credit limit details provided. If my credit limit was {$2600.00} and the balance at charge-off was {$440.00}, this percentage does not seem to be accurately calculated.

I request that Experian conduct a formal investigation into these inaccuracies and either correct or remove the incorrect information from my credit file. Please provide written confirmation of your findings and any corrections made.

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 2025-02-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
Onemain offer a title loan and payments were made when payments stop the vehicle was sold and the account was closed. The dates were from XXXX XXXX XXXX and still reported until XX/XX/XXXX but the account was closed in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: AZ

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues. As stated in the CFPB lawsuit, Experian does not take sufficient steps to intake, process and investigate disputes. Experian routinely and uncritically accepts the original furnishers response to the disputed information. 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. These failures directly align with my personal experience. Experian only says that the disputed accounts are " verified and updated '' or " we will not reinvestigate the same dispute again at this time ''. However, Experian has never provided me with ANY PROOF of how the account was allegedly verified or proof that the company trying to collect even has the LEGAL RIGHT to collect on the disputed account. Experian is wrongfully causing ongoing harm to my credit standing as well as violating federal law and my rights as a consumer. I therefore request that immediate corrective action is taken and for Experian to permanently delete all previously disputed accounts.

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 2025-02-01 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: VA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX RE : XXXX : XXXX Dear Experian, I am writing to formally address a critical issue regarding the accuracy of my credit report and your handling of disputes related to identity theft claims. Despite my repeated attempts to resolve these issues, I am deeply concerned about the ongoing inaccuracies that persist in my credit profile. 
As you are aware, my personal information was compromised in significant data breaches, including the Equifax breach and all three XXXX XXXX XXXX These breaches have resulted in fraudulent accounts and incorrect information being reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically governed by United States Code 15 USC 1681, credit reporting agencies such as Experian have a legal obligation to ensure the accuracy, fairness, and privacy of consumer credit report records. 
I have diligently submitted disputes to Experian regarding these fraudulent accounts and invalid information that has been reinserted into my credit report after previously being removed. Despite providing ample documentation and evidence supporting my claims of identity theft, Experian has failed to conduct a reasonable investigation into these disputes. This failure not only violates your duty under the FCRA but also perpetuates financial harm and insecurity for me. 
Therefore, I formally request that Experian take immediate action to : 1. Conduct a thorough and unbiased investigation into the disputed accounts and information on my credit report.

2. Remove all inaccurate and fraudulent accounts that have been identified as a result of identity theft.

3. Cease reinserting invalid information into my credit report without proper verification and validation. 
Failure to promptly rectify these issues and comply with federal guidelines may result in legal action, including pursuing statutory damages for the harm caused by Experian 's inaccurate reporting. This situation has caused significant stress and uncertainty regarding my financial standing.

I expect Experian to uphold its obligations under the FCRA and ensure that my credit report accurately reflects my true financial history and status. Please provide me with a written response outlining the steps Experian will take to address these concerns and the timeline for resolution. 
Thank you for your immediate attention to this matter. I look forward to your prompt response and a swift resolution. 
Sincerely,

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 2025-02-01 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: VA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX RE : XXXX : XXXX Dear Experian, I am writing to formally address a critical issue regarding the accuracy of my credit report and your handling of disputes related to identity theft claims. Despite my repeated attempts to resolve these issues, I am deeply concerned about the ongoing inaccuracies that persist in my credit profile. 
As you are aware, my personal information was compromised in significant data breaches, including the Equifax breach and all three XXXX XXXX XXXX These breaches have resulted in fraudulent accounts and incorrect information being reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically governed by United States Code 15 USC 1681, credit reporting agencies such as Experian have a legal obligation to ensure the accuracy, fairness, and privacy of consumer credit report records. 
I have diligently submitted disputes to Experian regarding these fraudulent accounts and invalid information that has been reinserted into my credit report after previously being removed. Despite providing ample documentation and evidence supporting my claims of identity theft, Experian has failed to conduct a reasonable investigation into these disputes. This failure not only violates your duty under the FCRA but also perpetuates financial harm and insecurity for me. 
Therefore, I formally request that Experian take immediate action to : 1. Conduct a thorough and unbiased investigation into the disputed accounts and information on my credit report.

2. Remove all inaccurate and fraudulent accounts that have been identified as a result of identity theft.

3. Cease reinserting invalid information into my credit report without proper verification and validation. 
Failure to promptly rectify these issues and comply with federal guidelines may result in legal action, including pursuing statutory damages for the harm caused by Experian 's inaccurate reporting. This situation has caused significant stress and uncertainty regarding my financial standing.

I expect Experian to uphold its obligations under the FCRA and ensure that my credit report accurately reflects my true financial history and status. Please provide me with a written response outlining the steps Experian will take to address these concerns and the timeline for resolution. 
Thank you for your immediate attention to this matter. I look forward to your prompt response and a swift resolution. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: NV

Complaint narrative:
Recenty, I did an investigation on my credt 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 follow 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 ) n 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 inaccurate or incomplete or can not be verified, the consumer reporting agency shallpromptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the franchise of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report immediately : 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 explanation
Consumer complaint received 2025-02-01 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: NV

Complaint narrative:
Recenty, I did an investigation on my credt 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 follow 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 ) n 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 inaccurate or incomplete or can not be verified, the consumer reporting agency shallpromptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the franchise of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report immediately : 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 explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. Ive file a previous police report and a current FTC report in which I was trying to upload by was blocked from doing so. Please verify 100 % that these accounts are mines if not I need them taking off my credit report. As a verified victim of identity theft and fraud I need the following accounts attached with this reported Be investigated.

Also According to the FCRA 605B ( 15 U.S.C. 1681c-2 ) it is illegal to report anything in my credit report without my permission, Please remove all negative items listed in the attachment below

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 2025-02-01 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: Kikoff Inc.
State: TX

Complaint narrative:
XXXX refused to allow disputes in removing negative and inaccurate information on my accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I inadvertently scheduled a wire transfer of {$5000.00} to an incorrect PNC account. I immediately requested a recall of the transaction from my bank on the same day. However, it has now been over two weeks, and we have yet to receive a response from PNC regarding the matter.

Could you please provide an update or assist in expediting the resolution of this issue? T
he Investigation ID for your reference is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: GA

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.

This 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 2025-02-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian did not properly investigate my request to remove XXXX XXXX XXXX XXXX of my report. XXXX XXXX XXXX have received multiple debt validation requests over the last year certified mail ( sent last request XX/XX/year> ). Neither XXXX XXXX XXXX or Experian is willing to cooperate with debt validation or removal requests.

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