vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am requesting that XXXX conduct a proper and thorough investigation of the inaccuracies I have disputed. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to perform a reasonable investigation of any disputed information. Merely responding within 24 hours without any evidence of such investigation does not satisfy this legal obligation.

Additionally, this practice appears to violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), which prohibits unfair, deceptive, or abusive practices. The CFPB has highlighted similar concerns in recent administrative proceedings.

I expect Equifax to provide evidence of a proper reinvestigation, including documentation or communications with the furnishers of the disputed information. If this matter is not resolved appropriately, I have had no choice but to escalate my complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or seek legal recourse.

I want consumer portfolio services, money lion, world acceptance, and both credit bureau systems removed from my report.

Please confirm receipt of this complaint and provide an update on the steps you are taking to resolve this matter.

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 2025-01-25 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: GA

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against Experian regarding unresolved inaccuracies on my credit report. Despite multiple disputes, the items listed below have been repeatedly verified without proper evidence, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. 
Disputed Items : XXXXXXXX XXXX XXXXXXXX ( # XXXX ) * Credit Limit Discrepancy : High credit reported inconsistently across bureaus ( {$1600.00} vs. {$1500.00} ). 
* Payment History Errors : Delinquencies reported incorrectly across periods with no corroborating evidence. 
XXXX. XXXX ( # XXXX ) * Credit Limit Discrepancy : Reported limit of {$2000.00} on XXXX vs. {$0.00} on Experian. 
* Payment Status Errors : Reporting of late payments inconsistent across bureaus. 
XXXX. XXXX ( # XXXX ) * Inconsistent Status : Marked as " Paid '' on XXXX but " Collection/Chargeoff '' on Experian. 
* Date Discrepancy : Last activity date varies significantly. 
XXXX. XXXX XXXX ( # XXXX ) * Payment Status Errors : Listed as " Paid '' but simultaneously " Collection/Chargeoff. '' XXXX. XXXX  ( # XXXX ) * Chargeoff Misreporting : Account listed as " Collection/Chargeoff '' with unresolved dispute comments. 
Violations of the FCRA : 1. 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information reported.

2. 15 U.S.C. 1681i ( a ) : Failure to conduct a proper reinvestigation upon dispute notification.

3. 15 U.S.C. 1681i ( a ) ( 5 ) : Obligation to delete or modify unverifiable information.

4. 15 U.S.C. 1681s-2 ( a ) : Prohibition against furnishers providing inaccurate information.

5. 15 U.S.C. 1681n : Willful noncompliance resulting in liability for damages, including punitive damages.

6. 15 U.S.C. 1681o : Negligent noncompliance with provisions of the FCRA.

I have requested detailed explanations and evidence of the verification process from the credit bureau, but have not received satisfactory responses. This continued verification without proper evidence is damaging my credit profile and hindering my financial well-being.

I request the CFPB 's assistance in ensuring that a thorough investigation is conducted and that the credit bureau provides the necessary documentation to verify the accuracy of the disputed items. If the information can not be verified, I request that these items be removed from my credit report according to FCRA, 15 U.S. Code 1681i.

Thank you for your assistance in resolving this matter. 
Sincerely, 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 2025-01-25 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 XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX Inquiries in Dispute : 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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I tried to send some of my digital currency on Robinhood app onto another exchange and was quickly denied by the app, resulting in them restricting my account. Restricting my account means I am not able to send my money, nor am I even allowed to sell my crypto to then withdraw my money. I dont mind if they were able to help me get my account unrestricted, but that hasnt happened. Their customer service is terrible. They keep telling me theyre going to resolve it by such and such date only to keep pushing the date back. This is ridiculous. I just want to be able to move MY MONEY FREELY. I get it they have systems in place that may flag unusual activity, but that should be a quick verification process and proceed. They are making it so difficult on me that I feel I had no choice but to come here to file my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: NC

Complaint narrative:
I have tried calling to have 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 removed. I was recently notified that CFPB has filed a lawsuit against the company XXXX. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I am requesting all of these Inquires be removed or corrected immediately as its affecting my chance of getting a house, car and more. 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 2025-01-25 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: NC

Complaint narrative:
I have tried calling to have XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX removed. I was recently notified that CFPB has filed a lawsuit against the company XXXX. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I am requesting all of these Inquires be removed or corrected immediately as its affecting my chance of getting a house, car and more. XXXX violates my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX Capital One reduced my credit limit from {$9000.00} to {$2000.00}, citing a drop in my credit score. This score decrease was caused by an erroneous XXXX delinquency reported by XXXX XXXX  XXXX to the credit bureaus.

It is critical to note that my Capital One account has always been in perfect standing. I have maintained a very low balance on this account for an extended period, and I have never missed or been late on a payment. Despite this flawless track record, I am being unfairly penalized for an issue that occurred with a different bank. 

The delinquency reported by XXXX XXXX  XXXX is inaccurate. The payment in question was made on XX/XX/XXXX, the XXXX day after the due date of XX/XX/XXXX, and should not have triggered a delinquency report. This error is currently being corrected by XXXX XXXX XXXXXXXX corporate office. 

Capital Ones decision to reduce my credit limit based on a temporary and unrelated credit score issue caused by another bank is both unfair and harmful. This reduction has increased my credit utilization ratio and put unnecessary strain on my credit score, which will only worsen the impact of XXXX XXXXXXXX XXXX mistake. Capital Ones actions have exacerbated an issue that has nothing to do with my relationship with your company, and I should not be penalized for the actions of another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed a dispute on XXXX XXXX XXXX XXXX XXXX due to an Inaccurate report based on LAW 15 US CODE 1681i ( a ) ( 6 ) ( B ) ( iii ) 15 US CODE 1681 ( 4 ) they have violated so many of my rights. XXXX denied to follow up with the investigation. I was recently notified that CFPB has filed a lawsuit against the company XXXX. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information.

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 2025-01-25 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: FL

Complaint narrative:
I filed a dispute on XXXX XXXX XXXX XXXX XXXX due to an Inaccurate report based on LAW 15 US CODE 1681i ( a ) ( 6 ) ( B ) ( iii ) 15 US CODE 1681 ( 4 ) they have violated so many of my rights. Equifax denied to follow up with the investigation. I was recently notified that CFPB has filed a lawsuit against the company XXXX. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information.

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 2025-01-25 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: CO

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 2025-01-25 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:
Dear CFPB Representative, I am writing to formally request the removal of unauthorized hard inquiries from my credit report. These inquiries appear to be the result of the XXXX data breach and a lack of proper follow-up and verification by Experian. I seek your assistance in addressing this matter and ensuring that my consumer rights are upheld. 

The specific details are as follows : Credit Reporting Agency Involved : Experian XXXX Issue : Unauthorized hard inquiries related to the XXXX XXXX breach Request : Removal of these inquiries from my credit report The XXXX XXXX breach compromised sensitive personal information, leaving many consumers vulnerable to unauthorized actions, including unapproved credit inquiries. I believe the hard inquiries on my credit report are a direct result of this breach. Despite reaching out to Experian to dispute these inquiries, I have not received adequate follow-up or resolution. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unauthorized items on my credit report and expect prompt investigation and correction. As part of this request, I am asking the CFPB to : Investigate the circumstances under which these hard inquiries were placed on my credit report. 

Require Experian and XXXX to provide evidence of my authorization for each hard inquiry. 

Remove any inquiries for which authorization can not be verified. 

Attached to this letter, I have included documentation to support my claim, including : Identity theft report and I have documentation of me reaching out to both credit bureaus. 

I respectfully request that the CFPB ensure Experian and XXXX complies with federal regulations to address this issue promptly. These hard inquiries negatively impact my credit score and financial well-being, and their removal is necessary to restore the accuracy of my credit report.

Please confirm receipt of this dispute letter and provide updates on the status of your investigation. I am available to provide additional information or documentation as needed to assist in resolving this matter. 

Thank you for your attention to this issue. I trust that the CFPB will take the necessary steps to protect consumers and ensure a fair resolution.

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 2025-01-25 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: FL

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 
XXXX - XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
There was an Equifax data breach settlement and they sent out prepaid XXXX  to the affected parties. I received a card but am unable to use it anywhere, it has been declined by every merchant who tried running the card through.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX. 
XX/XX/year> XXXXXXXX XXXX XXXX [ Address of the Creditor, if available ] Subject : Request for Account Information Dear XXXXXXXX XXXX XXXX, I am writing regarding the account listed under the following details : Account Name : XXXXXXXX XXXX Account Number : XXXX Please note that I am not disputing this account. However, I am requesting clarification and additional information about the account for my records. Specifically, I would like the following : 1. The date of the first delinquency on the account.

2. The date of the last payment made toward the account.

3. The date the account was charged off. 

Your assistance in providing this information will help me ensure that my records are accurate. I would appreciate your response at your earliest convenience. 

If you need any additional information from me to process this request, please let me know. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: TX

Complaint narrative:
I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I sent out a letter To Verify The Accuracy On Credit Report and I did not get a response. So I send out another letter just in case they didn't receive it still no respond. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. I have the list of accounts thats inaccurate and its in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. I need financing for a car and this inaccurate report is hindering me. As the 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 2025-01-25 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year> I attended a XXXX XXXX XXXX  event at a venue called XXXX XXXX XXXX in XXXX XXXX XXXXXXXX. Upon arrival I was verbally told there would be a {$900.00} minimum spend, which I agreed to, and signed a card saying I would pay this amount, although the amount was blank on the card. 
I purchased drinks at the bar, and the card was returned to me. A few days later I was charged {$2900.00} dollars at XXXX XXXX, {$270.00} at a venue called XXXX XXXX  that I did not go to, and {$160.00} for a Black Car that I was not in. The XXXX XXXX provided me with a receiped for {$2900.00} that I did not sign. It is pretty clear that the envelope trick is a scam used to swipe the card on readers and since it is XXXX XXXX XXXX this company believes it has the right to take advantage of people going out with money. The alarming fact is the XXXX XXXX is a real company and they are pulling this scam, despite standards that are supposed to be enforced by credit card companies. After reporting these three unauthorized charges to Wells Fargo and waiting several days, the claim was reversed in their favor. Wells Fargo does not protect its consumers and is falsely advertising their credit card product.

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