vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Having reviewed my most recent credit report, I noticed an error that does not match the documentation I have. This discrepancy could lead to misunderstandings or inaccuracies in assessing my creditworthiness, which I would like to avoid. Please take the time to carefully investigate this issue and correct it as needed. I value your assistance in ensuring the accuracy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: LA

Complaint narrative:
My information was exposed in a data breach and unknown inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: NY

Complaint narrative:
Every time I dispute or complain it is like they do not even look into the issue or the dispute. Nothing changes and nothing is resolved. These have been in dispute status for far too long and they need to go! These accounts are not mine! I was homeless since 2018 thanks to bad credit reporting denying me a mortgage loan literally a week before we were going to close.I am just getting my life back together but it feels like these XXXX credit bureaus want to make it impossible.

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 2025-01-22 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit R 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 fraudulent accounts despite over 6 submissions being sent in this past year all of which met the statutory requirements for blocking.

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 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has several items on my credit report that are not mine I have asked for them to be deleted and removed immediately.

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 2025-01-22 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:
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.

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 2025-01-22 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:
I am submitting a formal complaint against Experian for their failure to correct inaccuracies on my credit report, despite my efforts to resolve the matter. On XX/XX/year>2023, I disputed factual errors on my credit report through Experian 's online portal, specifically requesting supporting documentation to verify the closed account that was being reported. However, despite submitting my dispute, the inaccuracies remain on my report without any verification from me, which violates the Fair Credit Reporting Act ( FCRA ). 
The account in question is with XXXXXX/XX/XXXX and XXXX. I received the results of my dispute from Experian on XX/XX/scrub> 2023, but the information provided was inadequate. The results did not explain why the disputed account would remain on my report, and there are still multiple inaccuracies associated with this account. For example, the term length of the account is reported incorrectly. Furthermore, Experian updated my credit report without obtaining my written consent, which is a direct violation of my rights under the FCRA. This account has remained inaccurately reported for 29 months, causing ongoing harm to my creditworthiness. 
I am increasingly concerned that Experians dispute process does not have the necessary safeguards to protect consumers, as evidenced by recent legal action taken by the CFPB against Experian for " sham investigations of credit report errors. '' This further highlights Experians failure to comply with the standards required by the FCRA. 

Experians actions violate the following provisions of the FCRA : 15 U.S.C. 1681c ( a ) ( 6 ) : Prohibits the reporting of outdated or inaccurate information. Experian has failed to remove the inaccurate account from my report, causing significant damage to my credit.

15 U.S.C. 1681e ( b ) : Requires consumer reporting agencies to maintain reasonable procedures to ensure the accuracy of information. Experian failed to conduct a reasonable investigation into my dispute.

15 U.S.C. 1681i ( 5 ) : Mandates that consumer reporting agencies conduct a reasonable investigation when a consumer disputes an item on their credit report. Experian has not done so, allowing the inaccurate account to remain.

15 U.S.C. 1681c ( c ) : Requires that updates to a consumers credit report must be done with proper consent. Experian updated my report without obtaining my written consent.

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 2025-01-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
In XXXX I paid {$1500.00} for a XXXX coupon certificate of deposit at XXXX XXXX XX/XX/XXXX in XXXX. The account was in my then married name and directly underneath it said " XXXX XXXX Account. '' The term of the CD was 29 years, so it matured in XXXX and the value was {$21000.00}. In the ensuing years I XX/XX/XXXXand leftXX/XX/XXXX forXX/XX/XXXX. In XXXX I wrote an e-mail to XXXX XXXX XX/XX/XXXX ( who I learned had acquired XXXX XXXX XX/XX/XXXX ) and asked them to update my account information. They provided me with a telephone number to call because they could not update the information without talking to me apparently. I made a note on a copy of the e-mail of the fax number I was provided and the name of the individual I spoke to. To my best recollection, I have never received any mail correspondence from either XXXX or XXXX since XXXX. 

I put my receipt back in my files and did not run across it again until late last year. My research showed me that most of XXXXXX/XX/XXXX had been acquired by Bank of America, although a small portion of it had been renamed XXXX XXXX, but that had been acquired by XXXX a few years later. Several calls to Bank of America have gotten me nowhere. The account number listed on my CD receipt does not match any numbers they have ; they also searched my name and my SSN without success. 

Since then I have made many phone calls and been sent in many directions. I contactedXX/XX/XXXXBofA XXXX XXXX. XXXX. ofXX/XX/XXXX, XXXX XXXX in the XXXX ( which name had showed up on the XXXX email I sent to XXXX ), XX/XX/XXXX XXXX XXXX, XX/XX/XXXX ( because of their BofA affiliation, XXXX XXXX, the OCC, and finally the FDIC who gave me this web address. No one claims to have this 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 2025-01-22 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: TX

Complaint narrative:
I am writing to dispute the following negative items listed on my credit report : XXXX XX/XX/XXXX - XXXX - {$4300.00} These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Date Dispute was submitted : XX/XX/year>2022 Submitted online via XX/XX/XXXX The amount is {$3700.00} the credit limit is initially {$300.00}. 

There is no way an account with a {$300.00} max limit goes up that, I've disputed this time and time again, and never once have received a letter stating how to pay off the debt or who is handling the said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: GA

Complaint narrative:
I filed disputes on several creditors due to statue of limitations had expired, incorrect information was reported, and accounts were not mine. They denied to follow up with the investigation and would not allow me to re-dispute their findings. I was recently notified that CFPD has filed a lawsuit against Experian. They alleged the company of accepting unreliable information and failed to notify consumer dispute results. This aligns with my situation. Experian, XXXX and XXXX have not attempted to remove, nor correct any information. Experian, XXXX and XXXX also failed to remove improper addresses/spelling of name with the excuse " its linked to a collection account '' Im requesting the derogatory remarks be removed or corrected immediately, as it is affecting my changes to purchase a home and vehicle. Experian, XXXX and XXXX violates my rights as a consumer, as well as federal laws.

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 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Under the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666, credit card issuers are required to investigate billing disputes within two billing cycles ( but no more than 90 days ) of receiving a written notice from the cardholder.

According to the FCBA, once a dispute is filed, the creditor must : 1. Conduct a reasonable investigation of the disputed charges.

2. Resolve the dispute within the required timeframe.

3. Provide a written explanation of findings if the dispute is denied.

4. Correct any billing errors if found to be valid.

Failure to comply with these legal requirements constitutes a violation of federal law. If the credit card issuer does not properly investigate the dispute, the following remedies may apply under the FCBA : The creditor is prohibited from collecting the disputed amount or any related finance charges, penalties, or late fees.

The creditor must correct the billing error and remove any negative credit reporting related to the dispute.

The cardholder retains the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) for further action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-22 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: GA

Complaint narrative:
I filed a dispute on { Account number, Creditors name } due to { the reason you selected in your original dispute }. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }. Experian violates violates my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: AL

Complaint narrative:
I would think I have the money in my account already because it was posted and when I went to buy something it wasnt and was charged with overdraft fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-22 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: NJ

Complaint narrative:
Letter to Experian Date : XX/XX/year> To : Experian XXXX Department XXXX : Failure to Investigate & Inaccurate Reporting Formal Dispute To Whom It May Concern, This letter serves as a final demand for correction of the inaccurate information on my credit report and a direct response to your failure to investigate as confirmed in the CFPBs findings on XX/XX/year>. You are in clear violation of multiple federal statutes, including : 1. 15 U.S.C. 1681i : Failure to conduct a reasonable investigation into disputed information.

2. 15 U.S.C. 1681s-2 : Permitting the continued reporting of inaccurate information provided by furnishers.

3. 15 U.S.C. 1681a ( 2xi ) : Failure to ensure accuracy in consumer reports.

The CFPBs findings have confirmed your systemic failure to uphold the Fair Credit Reporting Acts ( FCRA ) provisions, particularly regarding your duty to investigate disputes thoroughly. In my case, you have repeatedly ignored these obligations by : Failing to provide sufficient evidence to validate the disputed accounts. 

Allowing XXXX ( Account XXXX ) and other furnishers to report inconsistent and damaging information. 

XXXX5 U.S.C. 1666b : Failure to resolve billing errors promptly and accurately.

12 CFR 1026.13 : Non-compliance with the billing error resolution process as required under the Truth in Lending Act.

15 U.S.C. 1637 ( b ) : Failure to provide accurate periodic statements reflecting the true status of the account.

Neglecting to verify the accuracy of payment history and account statuses.

This negligence has resulted in material harm, including an artificially lowered credit score and damage to my financial standing. Under 15 U.S.C. 1681i, I demand the following : XXXX. A detailed written explanation of your investigation process and findings. 


2. Immediate removal of all inaccurate, unverifiable, or incomplete information on my credit report.

3. A copy of all documentation provided by furnishers for the verification process.

Should you fail to rectify these errors within 15 calendar days, I will file formal complaints with the CFPB, FTC, and my state attorney general. Furthermore, I reserve the right to pursue all legal remedies available under federal and state laws. 

This is your final notice. You must take immediate corrective action. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have been trying to resolve this issue since last XXXX and only learned, when I involved CFPB, did Newrez finally make me aware of how they mismanaged my mortgage loan. Newrez is claiming that I made a change to my automatic withdrawal on XX/XX/year>. I never authorized any change to my automatic billing, my loan payment has come out of the same account, ending in XXXX since the inception of the mortgage approximately 15 years ago. They claim I set it up to come from an account ending in XXXX and that they sent me confirmation of this via a letter. I have never owned an account ending in XXXX, and never received any letter indicating this change, most likely because I never requested this change. They are also claiming that my XXXX time phone payment on XX/XX/XXXX from my actual account ending in XXXX was returned by my bank. This is not true. I am attaching a copy of my bank statement to this complaints. I had also previously sent Newrez copies of my bank statements both via fax and on through their website. My mortgage needs to be correctly updated with my XXXX payment applied, any fees withdrawn, and my credit restored.

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Cunsumer Finacial Protection Act. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation