vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: DE

Complaint narrative:
I have recently mailed multiple dispute letters to Experian regarding inaccurate information on my credit report. Despite providing evidence, Experian has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ) specifically : 15USC1681e ( b ) : Experian has not ensured the maximum possible accuracy of the information in my credit file. 

15USC1681s-2 : Experian has continued to report inaccurate information after I provided notice of disputes. 

15USC1681i ( 5 ) : Experian has reinvestigated and reinserted disputed items without notifying me, as required by law. 

Recently, I became aware of the lawsuit filed by the CFPB against Experian on XX/XX/year> titled CFPB SUES EXPERIAN FOR SHAM INVESTIGATIONS OF CREDIT REPORT ERRORS. According to the CFPB, Experian has failed to conduct proper investigations and has even reinserted errors on credit reports, which aligns with the issues Ive been facing. 

Experians failure to comply with these laws has caused harm to my credit worthiness, limiting my access to credit, employment, and housing opportunities.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 2AI ) that you, the TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XXXX balance {$630.00} under account number starting with XXXX. XXXX this account is ending in XXXX. XXXX this account number starts with XXXX. XXXX is in violation of 15 USC 1681 2AI and 15 USC 1681b a charge-off is considered income according to the IRS. Income is forbidden to be on a consumer credit report according to congress 15 USC 1681 2AI no transaction or experiences are allowed to be on a credit consumer report I never received a 1099c form from the creditor. This account have resulted in fraudulent charge-off/write-off appearing on my consumer XXXX credit report. The accounts needs to be deleted immediately for fraud reporting to my credit report and being reported to the IRS. I have attached the needed ID, SS #, proof of address. These items are valid and you will not be allowed to deny my attached docs as proof of ID.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 2AI ) that you, the TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XXXX balance {$630.00} under account number starting with XXXX. XXXX this account is ending in XXXX. XXXX this account number starts with XXXX. XXXX is in violation of 15 USC 1681 2AI and 15 USC 1681b a charge-off is considered income according to the IRS. Income is forbidden to be on a consumer credit report according to congress 15 USC 1681 2AI no transaction or experiences are allowed to be on a credit consumer report I never received a 1099c form from the creditor. This account have resulted in fraudulent charge-off/write-off appearing on my consumer XXXX credit report. The accounts needs to be deleted immediately for fraud reporting to my credit report and being reported to the IRS. I have attached the needed ID, SS #, proof of address. These items are valid and you will not be allowed to deny my attached docs as proof of ID.

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 — Information belongs to someone else
Company: Nelnet, Inc.
State: FL

Complaint narrative:
This company just swooped in to add me in their frivolous claims that I owe them when I never had business with them. After careful investigation, I found that XXXX is a company that reports fake credit of the amount of {$2500.00} on individuals credit report for a fee. This service a scam to manipulate the real credit scores of unworthy individuals so that they can get credit extended to them by creditors. The address they have on file for me is a address that I was never associated with and the email address used was also a email address that I wasn't affiliated with. I am a victim of fraud, and my information was stolen along with my purse. The person that stole my purse has opened several accounts in my name. I've been fighting for years to fix my credit. I need this fake account removed from my credit profile immediately. Here is my police report number is XXXX the detective that handled the case is Detective XXXX of The XXXX Police Department. His direct line is ( XXXX ) XXXX. This information and a affidavit of identity was sent to XXXX support on XX/XX/year> and they been ignoring me ever since and never replied to me.

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: NV

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 2025-02-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed 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 XXXXXX/XX/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: 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:
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. 

Accounts XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5300.00} Collection Inquiries XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/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: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
On XX/XX/year> I attempted to access my account from the Ally banking app. My password had not been changed recently and was automatically entered using my mobile phone. I received the message that my password was entered too many times incorrectly and that I had been locked out. I tried to call Ally customer service to get back into my account - after being told my phone wait time would be approximately 4 minutes, I was on hold for 45 minutes. I called back and opted to leave a message to get a call back. 90 minutes passed with no call back. I called into customer service again and the line was closed. It is now Saturday and the customer service line is not reachable on the weekend. I have no explanation as to why my account was locked ( a strange penalty for a wrong password entry, I can not access my funds or online account. I have several bills due as it is the first of the month, and no way to pay them - I will be late on these bills by Monday, when customer service is supposed to reopen.

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: IL

Complaint narrative:
My chase banking account is attached to my cash app account and I transfer money back and forth all the time. One time I lost my cash app card and was told I would receive a new card in the mail but in the mean time I would not be able to use a physical card since I dont have one. Thats understandable, until 364 days later I still have not received my card Ive lived in this house for almost 10 years and actually have had a previous cash app card sent to me in the past so cash app DOES have my address on file. I have not received my card and its a huge inconvenience but the main reason why Im here is because there has been a few times where I need to transfer money to my XXXX  XXXX account because clearly I need cash money. But cash app and XXXX are holding my money and not allowing my funds to be present, hence causing over draft fees in my chase account since money was held. This is a huge inconvenience and lack of effort on both parties as one of their consumers. And this also takes a toll on my income this makes me want to reconsider even using these banks and apps in the future.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent inquiries accounts on my transunion, experian, and equifax credit report.1XXXX XXXX, Inquiry date:XXXX,2.XXXX, Inquiry date:XXXX,3.XXXX, Inquiry date : XXXXXXXX,4.XXXX XXXX, Inquiry date:XXXX XXXX Inquiry date:XXXX,6.XXXX Inquiry date:XXXX,7.XXXX XXXXXXXX Inquiry dateXXXXXXXX,8.XXXX XXXX, Inquiry XXXXXXXX XXXX,9.XXXX XXXXXXXX, Inquiry XXXX. 10.XXXX XXXX, Inquiry date:XXXX. 11. XXXX XXXX, Inquiry date:XXXX. 12. XXXX, Inquiry date:XXXX. 
13. XXXX, Inquiry date:XXXX. 14 XXXX XXXX, Inquiry date:XXXX. 15. XXXX XXXX, Inquiry date : XXXX. 16.XXXX XXXX XXXX Inquiry dateXXXX XXXX. 17. XXXX XXXXXXXX, Inquiry dateXXXX, 18. XXXX XXXX, Inquiry date:XXXX. 19. XXXX, Inquiry date : XXXX. 20XXXX, Inquiry date : XXXX. 21.XXXX XXXXXXXX XXXX Inquiry date : XXXX. 22.XXXX  XXXX Inquiry : 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent inquiries accounts on my transunion, experian, and equifax credit report.1XXXX XXXX, Inquiry date:XXXX,2.XXXX, Inquiry date:XXXX,3.XXXX, Inquiry date : XXXXXXXX,4.XXXX XXXX, Inquiry date:XXXX XXXX Inquiry date:XXXX,6.XXXX Inquiry date:XXXX,7.XXXX XXXXXXXX Inquiry dateXXXXXXXX,8.XXXX XXXX, Inquiry XXXXXXXX XXXX,9.XXXX XXXXXXXX, Inquiry XXXX. 10.XXXX XXXX, Inquiry date:XXXX. 11. XXXX XXXX, Inquiry date:XXXX. 12. XXXX, Inquiry date:XXXX. 
13. XXXX, Inquiry date:XXXX. 14 XXXX XXXX, Inquiry date:XXXX. 15. XXXX XXXX, Inquiry date : XXXX. 16.XXXX XXXX XXXX Inquiry dateXXXX XXXX. 17. XXXX XXXXXXXX, Inquiry dateXXXX, 18. XXXX XXXX, Inquiry date:XXXX. 19. XXXX, Inquiry date : XXXX. 20XXXX, Inquiry date : XXXX. 21.XXXX XXXXXXXX XXXX Inquiry date : XXXX. 22.XXXX  XXXX Inquiry : 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: PA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have occurred. 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 Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair & 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 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I was over-charged for a purchase from XXXX Flowers. The retail company declined to explain the overcharge, so I disputed it through Citi. Citi responded by saying the retail company had provided a satisfactory written explanation. However, the link provided by Citi did NOT lead to any letter or any explanation at all for the overcharge. I still believe the charge was erroneous, and I want an explanation. Following is the only information provided to me by Citi. 

XXXX, XXXX. XXXXXXXX XXXX  {$370.00} on XX/XX/XXXX Investigation complete Resolved - Customer Responsible XX/XX/XXXX XX/XX/XXXX {$55.00} expansion arrow Dispute Details Case ID XXXX Reason for Dispute Incorrect amount Card details Card ending in - XXXX Credit Status Conditional Credit Reversed Dispute Received XX/XX/XXXX expand more button Action Required XX/XX/XXXX expand more button Resolved - Customer Responsible XX/XX/XXXX We've Completed Our Investigation A letter detailing your dispute resolution is available in your Notices & Letters. 
The conditional credit we previously issued will be reversed.

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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Re : Request for Damages Pursuant of Fair Credit Reporting Act ( FCRA ) due to willful negligence According to my records of previously submitted disputes/documents via USPS, CFPB, and/or your online portal, you were in receipt of my prior communications and were obligated by law to investigate my claim for action within 30 days of receiving notice of dispute. Knowing that this is a lawful obligation of yours, you both knowingly and willfully failed to delete the disputed information. Additionally, you have not communicated any probable error that would prevent you from completing this as everything that is NEEDED to fulfill my request was included in my initial dispute. There was no cause for you to stall or reason for you to stall, procrastinate, or refuse your duties. Therefore, I am now demanding the immediate removal of the disputed information. Under the provisions of the FCRA, you are also liable for damages, as outlined in 15 U.S.C. 1681n-1681o. In addition to removing the disputed information, you are required to issue a payment of {$1000.00}, made payable to my name as indicated in the letterhead above. For your convenience, I have included a completed IRS W-9 form to assist with your accounting or legal tax obligations.I want to be explicitly clear that this is not a notice or attempt to start a new dispute. I've already attempted to rectify this affair with you. By law, you are only allowed 30 days from day of receipt to dispute, and that time has since elapsed.I expect you to remove the disputed information immediately, provide proof of its deletion, and send the {$1000.00} payment to my mailing address listed above. This must be completed no later than fourteen ( 14 ) days from the date of this letter. Failure to comply within this timeframe will result in my referral of this matter to a consumer attorney to evaluate potential legal action in federal court. Receipt of the deletion confirmation and payment will constitute a full settlement and release of my claims.

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