vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: NV

Complaint narrative:
ON XX/XX/XXXXXXXX  SENT OUT DISPUTE LETTERS TO DISPUTE SEVERAL ENTRIES ON MY CREDIT REPORT UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) THEN AGAIN ON XX/XX/XXXX WITH TRACKING NUMBERS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX. 
This letter directly incorporates the issues identified in the CFPB lawsuit and references your rights under the FCRA to demand compliance and corrections. 
I am writing to formally dispute inaccurate information that remains on my credit report despite previous disputes filed with your agency. The failure to correct or remove this information after my attempts to resolve it is in violation of your obligations under the Fair Credit Reporting Act ( FCRA ), as recently highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against Equifax and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: CT

Complaint narrative:
Im making this complaint because I have tried my best to resolve my dispute with the credit reporting agencies yet this have ignored my request to investigate the errors reporting on my behave. I have gave the reporting agency ample time to investigate and provide me with the investigation results yet they have failed time after time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I have received phone calls and they are on my credit report. I haven't got into debt with those companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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 was reviewing my credit report and noticed some inquires that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-01-24 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: NC

Complaint narrative:
Kindly block and remove these unauthorized accounts from my credit report immediately. I did not authorize or initiate these accounts and have no knowledge of their source. As outlined in USC 1681g, I formally request their removal within 15 days. Enclosed are the relevant documents for your review and reference.

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 2025-01-24 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: VA

Complaint narrative:
Transition, XXXX and Experian all single investigations into the disputes made by me on my credit reports of false and inaccurate 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently I have been a victim of identity theft because someone used my identity to apply for credit card. I have already disputed the fraudulent inquiry from my credit report but upon checking my credit report thoroughly i have noticed that my last name is spelled wrong on the credit report too. My last name is XXXX but whoever stole my identity messed with my credit file and made a mistake in my credit report spelling my last name XXXX. It should be XXXX instead of I. Please dispute and change my last name to my actual last name which shows on all my government documents and social security.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently I have been a victim of identity theft because someone used my identity to apply for credit card. I have already disputed the fraudulent inquiry from my credit report but upon checking my credit report thoroughly i have noticed that my last name is spelled wrong on the credit report too. My last name is XXXX but whoever stole my identity messed with my credit file and made a mistake in my credit report spelling my last name XXXX. It should be XXXX instead of I. Please dispute and change my last name to my actual last name which shows on all my government documents and social security.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violated the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025=CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation. 
These are the accounts I've marked as inaccurate : XXXX XXXX account number XXXX XXXX  Card account number XXXX XXXX XXXX XXXX account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: TX

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I sent money to my husband and he never got it, this happen in XXXX it was XXXX. I called Bank of America and they told me that it was nothing they could do for me, because it was my responsible to make sure it was the correct account and person I was sending the money to.

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 2025-01-24 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

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 2025-01-24 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: MS

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
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 request your help in reviewing accounts from companies that have inaccurately reported late payments. Upon checking my credit report, I found some accounts with late payment remarks that should not be there. These accounts should reflect no late payments.

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 2025-01-24 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: AZ

Complaint narrative:
EQUIFAX INC., XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX were sent Notice to Cease and Desist reporting of several currently reported injurious claims ; unproven yet to be factual and physically validated as true, correct, complete, timely and certifiably Metro 2 format compliant. 

The claim by XXXX XXXX XXXX was to be checked for requisites and immediately removed from reporting of ONLY factually true, complete, timely, validated and certified allegations. This original Notice was sent XX/XX/XXXX. EQUIFAX INC., XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX failed to provide any of the requested information. 

I filed a previous CFPB complaint against XXXX XXXX XXXX XX/XX/XXXX. XXXX, again, failed to provide any of the requested and required information validating the account. CONNS response to the CFPB complaint was a declaration of XXXX  XXXX Bankruptcy and no attempt to substantiate its claim. However, neither EQUIFAX INC., XXXX XXXX, XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX have ceased reporting the unsubstantiated claim, as required by law. 

This is an account that was previously removed from reporting to my personal credit profile. Public records demonstrate that the opening of this account occurred during a timeframe the account information could not possibly be accurate. ( SEE ATTACHMENT 1 ) Per my States reporting regulations and the applicable federal guidelines for lawful and compliant reporting of consumer credit, it is unlawful to assume report-ability of any claim without physically verified proof of fullness of truth, completeness of accuracy, timeliness of validity and/or certifiable compliant reporting elsewise to include but not limited to the standards and mandates described or hinted at via the applicable FCRA AND FDCPA laws , much less the standard of compliant reporting of the documented perfect and complete Metro 2 Format compliance of reporting. EQUIFAX INC., XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 's current reporting practices are significantly deficient and unproven to be factually true, correct, complete, timely, validated, and/or elsewise certified compliant as related to the mandates and standards of lawful reporting, per the applicable aspects of FCRA and FDCPA to include but not limited to the mandatorily perfect and complete certified Metro XXXX XXXX reporting. 

EQUIFAX INC., XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are reporting inaccurate and incomplete information, in regards to the below noted allegedly derogatory account. 

A complete dissection of EQUIFAX INC., XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 's unlawful reporting is attached to this complaint. The attachment details nearly four years of unsubstantiated reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: DC

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 change and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with in balance despite initially available funds. I believe these practices are unfair and request investigation into my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted countless letters to Experian on numerous occasions and the response i received on all occasions is the following : From Experian We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, '' ifthe completeness or accuracy of any item of information contained in a consumer file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge ' '' Therefore, you can dispute any inaccurate information directly with Experian for free If you belleve that information in your personal credit report is inaccurate or incomplete, please cll us at the phone number XXXX XXXX, or visit our secure web, site to upload your documents at www.experian.com/dispute.

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 2025-01-24 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: LA

Complaint narrative:
I am filing a complaint against equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs action may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
CFPB XXXX XXXX Portfolio Recovery Associates , LLC Subject : Formal Complaint for Violations of FDCPA, FCRA, and State Collection Licensing Laws Consumer Details : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Respondent Details : Portfolio Recovery Associates , LLC Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Overview : This complaint addresses Portfolio Recovery Associates XXXX XXXX ( XXXX ) numerous violations of federal and state laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as well as Illinois collection licensing laws. XXXX has engaged in the following harmful practices : 1. Failure to Validate Debt Before Reporting : XXXX reported an alleged debt to credit bureaus without properly validating the debt upon initial communication or after multiple consumer requests, as required under 15 U.S.C. 1692g ( b ). 
The response letter dated XX/XX/year> was only received after filing CFPB complaints and was grossly delayed, showing disregard for legal obligations. 

2. Inaccurate and Harmful Credit Reporting : XXXX continued to report the disputed debt inaccurately to XXXX, which constitutes a violation of 15 U.S.C. 1681s-2 ( b ) under the FCRA. 
Even during dispute investigations, XXXX failed to ensure accuracy and did not correct erroneous reporting, causing consumer harm. 

3. Unlicensed Collection Activity : XXXX engaged in collection activity in Illinois without demonstrating valid licensing during the disputed period. Licensing lookup shows their renewal was initiated only after multiple complaints. 
Past disciplinary actions by the IDFPR ( Case # XXXX ) show a pattern of misconduct, including lawsuits on time-barred debts. 

4. Failure to Provide Full Validation Documentation : XXXX failed to provide essential documents, including forward flow agreements, proof of assignment, and itemized debt breakdown, in response to validation requests. 
This raises concerns about whether XXXX lawfully owns or has the right to collect on the alleged debt. 

5. Double-Dipping Concerns : An IRS Form XXXX has been filed, alleging XXXX may be unlawfully double-dipping by reporting charge-offs while also seeking collection. XXXX has not provided clear information to dispel these concerns.

Company response to consumer: Closed with explanation