vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 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: FL

Complaint narrative:
I am filing a complaint regarding inaccurate late payments reported on my credit report during the national emergency period for XXXX. These late payments were recorded for the account XXXX XXXX XXXX XXXXXXXX on the dates XX/XX/year>. Under the protections provided by the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ), my account should not have been reported as delinquent.

The CARES Act was enacted to protect consumers facing financial difficulties due to the pandemic, allowing for leniency and preventing negative credit reporting during this period. Despite this, the creditor XXXX XXXX  reported my account as late, affecting my credit score unfairly and contradicting the intended protections under the CARES Act. 
I have previously contacted EQUIFAX and requested that my account status be corrected to reflect a status of " PAID/AGREED '' or " OK '' for the specified dates, as required by the CARES Act. However, I have not received a satisfactory resolution, and my report remains inaccurate. This situation is now negatively impacting my credit score and my ability to access financial services. 
I am requesting that the CFPB investigate this issue to ensure my rights are respected under the Fair Credit Reporting Act ( FCRA ) and that my credit report is updated accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: FL

Complaint narrative:
I am filing a complaint against XXXX, Equifax, and XXXX for willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681n, which holds credit bureaus civilly liable for willfully reporting inaccurate information and failing to comply with FCRA requirements.

The violations include, but are not limited to : 1. Failure to Update Sold Accounts : Multiple collection accounts on my credit report were sold to new creditors but remain inaccurately reported by the original creditors. These accounts are not marked as sold or transferred, nor do they reflect a {$0.00} balance, in violation of FCRA 623 ( a ).

2. Inconsistent Reporting : The credit bureaus are reporting inconsistent and incomplete payment histories for the same accounts across different credit reports ( e.g., payment history is reported on XXXX but missing on Equifax ), creating discrepancies that violate FCRA standards.

3. Failure to Verify Information : The credit bureaus failed to reasonably investigate disputes I submitted under FCRA 611 ( a ), continuing to report unverifiable and inaccurate information.

Additionally : Equifaxs XXXX  data breach, which exposed sensitive consumer information, demonstrates a pattern of negligence. 
XXXX has a history of failing to properly verify disputed information and has been sued for similar issues. 
According to FTC guidelines, unverifiable or inaccurate information must be promptly deleted from credit reports. 

These repeated violations have harmed my credit score and caused financial and emotional distress. 

Legal Basis for Complaint : Under 15 U.S.C. 1681n, I am entitled to statutory damages of {$1000.00} for each violation of the FCRA, in addition to any attorneys fees, court costs, and punitive damages.

Resolution Requested : I demand the following actions : 1. The immediate deletion of all inaccurate, unverifiable, and outdated information from my credit reports.

2. Written confirmation of the deletions.

3. Compensation of {$1000.00} per violation under 15 U.S.C. 1681n for willful non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: FL

Complaint narrative:
I am filing a complaint against Experian, XXXX, and XXXX for willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681n, which holds credit bureaus civilly liable for willfully reporting inaccurate information and failing to comply with FCRA requirements.

The violations include, but are not limited to : 1. Failure to Update Sold Accounts : Multiple collection accounts on my credit report were sold to new creditors but remain inaccurately reported by the original creditors. These accounts are not marked as sold or transferred, nor do they reflect a {$0.00} balance, in violation of FCRA 623 ( a ).

2. Inconsistent Reporting : The credit bureaus are reporting inconsistent and incomplete payment histories for the same accounts across different credit reports ( e.g., payment history is reported on Experian but missing on XXXX ), creating discrepancies that violate FCRA standards.

3. Failure to Verify Information : The credit bureaus failed to reasonably investigate disputes I submitted under FCRA 611 ( a ), continuing to report unverifiable and inaccurate information. 

Additionally : XXXX XXXX  data breach, which exposed sensitive consumer information, demonstrates a pattern of negligence. 
Experian has a history of failing to properly verify disputed information and has been sued for similar issues. 
According to FTC guidelines, unverifiable or inaccurate information must be promptly deleted from credit reports. 

These repeated violations have harmed my credit score and caused financial and emotional distress.

Legal Basis for Complaint : Under 15 U.S.C. 1681n, I am entitled to statutory damages of {$1000.00} for each violation of the FCRA, in addition to any attorneys fees, court costs, and punitive damages.

Resolution Requested : I demand the following actions : 1. The immediate deletion of all inaccurate, unverifiable, and outdated information from my credit reports.

2. Written confirmation of the deletions.

3. Compensation of {$1000.00} per violation under 15 U.S.C. 1681n for willful non-compliance.

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 2025-01-16 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account number : 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 2025-01-16 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account number : 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 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX have utilized XXXX on several occasions, and unfortunately, the funds were mistakenly transferred to the incorrect recipient, resulting in the inability to retrieve the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: TN

Complaint narrative:
Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FDRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experiences, where Experian has neither corrected nor removed disputed accounts, as Experians 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 2025-01-16 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:
Through its Optional Overdraft Protection Service, known as OOPS, XXXX XXXX charged consumers {$20.00} for most overdraft transactions. The XXXX XXXX collected nearly {$1.00} XXXX in overdraft fees from XXXX to XXXX. 

Members were illegally charged overdraft fees in XXXX ways

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: NY

Complaint narrative:
I am writing to formally express my 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Employers XXXX XXXX XXXX XXXX XXXX - Incorrect Address XXXX - Incorrect Address XXXX XXXX - Incorrect Name These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-01-16 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Incorrect Employers XXXX XXXX XXXX XXXX XXXX - Incorrect Address XXXX - Incorrect Address XXXX XXXX - Incorrect Name These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fee I have incurrent. Despite having insufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issued aligns with the recent CFPB findings against Navy Federal for similar practices, where transaction settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: AR

Complaint narrative:
I filed a dispute with Experian regarding inaccurate information on my credit report. However, Experian conducted an improper investigation of the dispute, which resulted in the continuation of the erroneous information. Specifically, the investigation was not thorough, as it failed to address key details and supporting documentation I provided. Despite my efforts to resolve the issue, Experian did not make the necessary corrections to my credit report within the mandated timeframe, nor did they provide adequate feedback or clear reasoning for their findings. This lack of proper investigation and failure to correct the inaccuracies has negatively impacted my credit standing and caused undue stress.

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 2025-01-16 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: IN

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: TX

Complaint narrative:
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. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic 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. 

Accounts with adverse information : I disputed the XXXX account as having inaccurate information and I instantly received an update the information was going to remain on my credit report. 
XXXX XXXX Account that has been removed from credit report but still showing tenant/rental report. I have asked to be supplied with original contract with wet signature. I have not received it, yet still shows on tenant screening report through experian rent bureau and not credit report.I do not feel that a proper investigation was done. 
- 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 2025-01-16 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:
am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my 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 inform me that recovering lost funds was impossible and that tracking these findings was infeasible. 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 accountability and transparency is unacceptable and raises serious concerns about consumer safety. 

Thank you for addressing this issue.

Company response to consumer: Closed with explanation