vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-30 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: FL

Complaint narrative:
Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. 
Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. 
Failure to adhere to these requirements constitutes a violation of federal law. 

hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items : XXXX XXXX XXXX and XXXX BANK XXXX 2 . Provide me with all documentation used to verify the accuracy of the disputed information. 
3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.

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 2025-01-30 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:
While in the military I was charged multiple overdraft fees by Navy Federal Credit Union, even though my account showed that I had sufficient funds at the time of the transaction.

My available balance before the transaction indicated that I had enough funds.

A transaction was processed, but despite having sufficient funds, I was still charged an overdraft fee.

When I reviewed my account history, the numbers didnt add up, and I could not see a valid reason for the fee.

I contacted Navy Federal to dispute the charge, but their response did not resolve my concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
On XX/XX/year>, I was charged {$200.00} for an online purchase from XXXX. However, I did not receive the merchandise nor a receipt for this transaction. Subsequently, I filed a complaint with my credit card company, Capital One, due to the absence of a receipt. Shortly thereafter, I received the merchandise, very late. which was unfortunately damaged. I promptly reported this issue and submitted a formal complaint ; however, I did not receive any resolution until XXXX, at which time I was charged again for the same items. Or credits was removed. 

Upon contacting Capital One, I provided all pertinent information including details regarding the damaged items and copies of my correspondence with the company requesting a return label. Additionally, I submitted screenshots of the companys website indicating that returns are accepted. Despite my efforts, XXXX has yet to respond to my inquiries. 

Capital One informed me that they would honor the charge, citing that the items had been delivered. I clarified that I did not order delivery of broken or damaged items, as my expectation was for the items to arrive in good condition. Capital One indicated that until I could obtain a receipt from XXXX, I would be held responsible for the charges. I continued to provide additional information and evidence suggesting that XXXX operates as a fraudulent entity. However, a Senior Account Manager at Capital One advised me that there would be no changes to my situation until I could furnish the requested receipt. XXXX doesnt respond and I have only a text message with an order number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: WA

Complaint narrative:
Cash app never had anyone I can talk to about any of the disputes that I made

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: Source Receivables Management LLC
State: MA

Complaint narrative:
Source Receivables Management has reviewed the consumer inquiry. We are a third-party collections agency working on behalf of the current creditor of this account, XXXX XXXX XXXX XXXX This account ending in XXXX was placed in our office on XX/XX/XXXX to collect on the past due balance of {$2700.00} for the T-Mobile account ending in XXXX. We mailed out notice of the debt on XX/XX/XXXX. Additionally, we mailed out instructions to complete a fraud packet on XX/XX/XXXX. According to our records, this account was opened on XX/XX/XXXX and cancelled on XX/XX/XXXX. The last payment on the account was for {$170.00} on XX/XX/XXXX. 

This company is putting a debt on me that is not mine and makes no sense above is the letter they sent me in response to my dispute. Which states the account was open on XX/XX/XXXX and closed XX/XX/XXXX. Last bill on XX/XX/XXXX. Which those dates make no sense if account was opened XX/XX/XXXX. How can last payment be XX/XX/XXXX. It also says account was closed on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: MA

Complaint narrative:
XXXX XXXX XXXX has reviewed the consumer inquiry. We are a third-party collections agency working on behalf of the current creditor of this account, XXXX XXXX XXXX XXXX This account ending in XXXX was placed in our office on XX/XX/XXXX to collect on the past due balance of {$2700.00} for the XX/XX/XXXX account ending in XXXX. We mailed out notice of the debt on XX/XX/XXXX. Additionally, we mailed out instructions to complete a fraud packet on XX/XX/XXXX. According to our records, this account was opened on XX/XX/XXXX and cancelled on XX/XX/XXXX. The last payment on the account was for {$170.00} on XX/XX/XXXX. 

This company is putting a debt on me that is not mine and makes no sense above is the letter they sent me in response to my dispute. Which states the account was open on XX/XX/XXXX and closed XX/XX/XXXX. Last bill on XX/XX/XXXX. Which those dates make no sense if account was opened XX/XX/XXXX. How can last payment be XX/XX/XXXX. It also says account was closed on 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 2025-01-30 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: GA

Complaint narrative:
I have an issue with XXXXXX/XX/XXXXregarding a reported late payment for XX/XX/XXXX. Ive always paid my bills on time and have had autopay set up for 73 consecutive months. Two months prior to XX/XX/XXXX, I made a large payment of over {$1000.00} to reduce my balance. However, XXXXXX/XX/XXXX reported me as 30 days late in XX/XX/XXXX, even though I never received any notice saying my autopay was turned off, and I had no idea it was no longer active. They never sent me any reminders or notices, either by email or mail, despite me having autopay set up since XXXX. As a result of this late payment report, my credit score dropped by 80 points. Then, in XX/XX/XXXX, they inaccurately reported me as late again, which was not true because I was on autopay. Causing another point drop and denial of credit. After disputing both XXXX and XXXX, they fixed XXXX but refused to correct XXXX. As a result, my business credit card limits were reduced. I continued disputing the XX/XX/XXXX late payment, explaining my good payment history, but XXXXXX/XX/XXXX denied my challenge. I focused on what I could control and continued contacting them. They never sent out any information. Now, in XX/XX/XXXX, theyve reported the same XX/XX/XXXX late payment as late again, causing another 60+ point drop in my credit score. This has negatively affected my ability to apply for loans for my business and caused difficulties with possibly jeopardizing my business and how I can pay my employees all due to a {$73.00} payment in XXXX being reported several times by this company. Not one bill reminder or email sent until XX/XX/XXXX after their investigation. They have grossly mishandled my account, caused great hardship and refused to allow me to speak to any supervisor on the 6 times Ive called between XX/XX/2024. I need help and I dont know what else to do after this except file a lawsuit which causes even more money.

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 2025-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: OK

Complaint narrative:
On my credit report it shows I owe {$870.00} toXX/XX/XXXX. I paid that years ago when I disconnected my phone line and switched toXX/XX/XXXX There's no reason why I should owe {$870.00} when my phone bill was $XX/XX/XXXX monthly. That would mean I had service continuously for another 10 months after I processed my cancelation. I've reached out to no avail and they still say I owe it so I have given up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: TX

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 XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXXXX/XX/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed Inquiries In Dispute : XXXX XX/XX/XXXXDate of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XX/XX/XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XX/XX/XXXX Date of inquiry XX/XX/XXXX XXXX OF XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XX/XX/XXXXDate of inquiry XX/XX/XXXX XX/XX/XXXX Date of inquiry XX/XX/XXXX XX/XX/XXXX Date of inquiry XX/XX/XXXX XX/XX/XXXX Date of inquiry XX/XX/XXXX XX/XX/XXXXDate of inquiry XX/XX/XXXXXX/XX/XXXX Date of XXXX XX/XX/XXXX XXXX XXXX CO Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XX/XX/XXXXXXXX Date of inquiry XX/XX/XXXX XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XX/XX/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 2025-01-30 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: OH

Complaint narrative:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report. These fraudulent accounts are XXXX XXXX XXXX Inquiries XX/XX/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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally submit a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding my FCRA Section 605C consumer submission request to block adverse information from my credit report. 

On XX/XX/scrub>/25, I submitted my request and received confirmation of delivery. However, it has now been over 15 days since that confirmation, and I have not received any updates or information regarding the status of my request. Additionally, none of the adverse information has been removed from my credit report as I requested. 

This delay is concerning, as it undermines my rights under the Fair Credit Reporting Act. I believe I have provided all necessary documentation, and I have attached copies of those documents and receipts for your review. 

I kindly request your assistance in addressing this matter and ensuring that my request is processed promptly. I appreciate your attention to this issue and look forward to your timely response. 

Thank you for your assistance.

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 2025-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: VA

Complaint narrative:
In XX/XX/XXXX I finished paying off my student loans. However, my auto payment was still taken out for the month of XXXX for {$160.00}. I notified Mohela and was told that it would be auto processed within 90 business days and that if I didnt receive a refund by XXXX to call back. I did call back in XXXX and was told it was never processed, but that I would have a paper check mailed to me within two weeks. I called back in XXXX and was told that information was incorrect and that if I were to get a refund, it would come from the US treasury department. It is now almost XX/XX/XXXX and I have yet to get a refund

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: PA

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 2025-01-30 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Recently, i did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agenvy 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.

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) promptly 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 ii ) promptly notify the furnisher 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 : Accounts * XXXX XXXX XXXX XXXX date opened XX/XX/XXXX this account is being reported inaccurately, please remove this from my credit report immediately * * XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX, this account is being reported inaccurately, please remove this from my credit report immediately * 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 2025-01-30 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief