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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally dispute the findings of your recent investigation into XXXX bank, Account # XXXX. Your investigation, as outlined in your correspondence dated XX/XX/2024 failed to meet the standards required under Section 1681o of the Fair Credit Reporting Act ( FCRA ).

Under Section 1681o, consumers are entitled to recover damages resulting from negligent noncompliance with the FCRA. Your failure to conduct a reasonable and thorough investigation constitutes a clear violation of this statute. Specifically : 1. Failure to Investigate Submitted Evidence : I provided [ list specific documents, evidence, or supporting materials ] on [ date ]. This information appears to have been ignored or inadequately reviewed during your investigation.

2. Inaccurate or Incomplete Findings : The conclusions reached in your investigation do not align with the evidence I provided or the facts of the matter. 

3. Negligent Noncompliance : Your investigation process did not meet the standards required by the FCRA, as it failed to reasonably ensure the accuracy and integrity of the reported information. 



I request that you immediately re-open this matter and conduct a proper investigation. Additionally, please provide me with a detailed explanation of the steps taken during your initial investigation. If you fail to address this issue adequately, I reserve the right to pursue legal remedies as provided under Section 1681o, including recovering damages caused by your negligent noncompliance. 



Please confirm receipt of this letter and provide a response within [ state a reasonable timeframe, e.g., 30 days ], as required by law. Should you require additional information, feel free to contact me directly at XXXX, XXXX. 



Thank you for your attention to 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 2025-01-24 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: KY

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 outstanding fees due to delayed 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 2025-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My phone with wallet case was stolen. I keep all my cards in my wallet. I thought I had left my chase card at home. I went out of town to tend to my mother as my dad had passed away, and when I returned I realized my chase card was gone as well. I keep everything in my phone. 

I contacted chase and canceled my card. Someone had put checks through my account-the man I talked to assured me that I would get reimbursed if any of my money had been stolen and that they were doing investigation. At that time my account was {$700.00} negative. My direct deposit hit my account and they took almost my entire paycheck to cover that amount. I called the bank. After 2 days they completed the investigation and said i knew about and authorized the transactions. I am floored. They robbed me of my.money and basically said i was a criminal committing fraud. I have never had an issue with this bank. I told them to watch the video because I wasn't in town and definitely did not go to atm. That money was all I have until the XXXX. I have no food in my fridge. They robbed me, when I should feel safe and protected by my bank. Please help. Sending copy of the checks. And transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
file : XXXX Fraudulent application for XXXX XXXX XXXX account. I did not apply for such account. All data was inaccurate.

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: LA

Complaint narrative:
Consumer Name XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a student loan account opened at XXXX OF XXXX on XX/XX/XXXX under the account number XXXX,, a student loan account opened at DEPT OF XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX CONSUMER on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Fair Collections & XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Cease and Desist Reporting of Unauthorized Account Information Pursuant to 18 USC 8 , 15 USC 1681b , and 15 USC 1681 Dear Fair Collections & Outsourcing, This letter serves as formal notice regarding the account in question reported under my name : Original Creditor : XXXX XXXX XXXX Amount Owed : {$16000.00} Account Status : Unpaid Date of Assignment : XX/XX/XXXX Balance Owed : {$16000.00} XXXX hereby dispute the validity of this alleged debt and the manner in which it is being reported. Pursuant to 18 USC 8, I affirm that I owe no debt to your company, XXXX XXXX, or any affiliated entities. Additionally, your actions are in violation of my consumer rights as outlined in the following statutes : 15 USC 1681b ( 2 ) : You have no permissible purpose to use, access, or report my personal information for the purposes of credit reporting without my explicit authorization.

15 USC 1681 ( 4 ) : You are prohibited from reporting or disseminating information regarding this alleged debt without valid proof or my permission. 

As such, your continued reporting of this account constitutes a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). Furthermore, I demand : Immediate cessation of any reporting of this account to credit reporting agencies. 

Full reinvestigation of this account as indicated by your current status update dated XX/XX/XXXX ( " Consumer Disputes This Account Information Reinvestigation in Progress '' ). 

Complete documentation proving the validity of this alleged debt, including but not limited to : Original signed contract bearing my signature. 

Proof that this debt was incurred legally and is enforceable under applicable laws. 

Evidence of any payments allegedly made or owed. 

If you fail to provide the requested validation, you must immediately cease all collection activities and remove any associated information from my credit report. Be advised that non-compliance may result in legal action against your company for willful violations of federal statutes.

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: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This complaint is on behalf of XXXX against JPMorgan Chase, who has repeatedly refused to detect, prevent and recover fraud. My letter to them is below ( XXXX, XXXX is XXXX of several entities which held accounts at Chase, has filed fraud claims and Chase blatantly lies to regulatory agencies ( and to me ) about having such claims, despite the fact that CHASE ASSIGNED THE CASE NUMBERS and I have countless emails to prove this. This is one of many blatantly false and deceptive actions Chase has taken to abuse its customers and should not be tolerated. Please find the letter attached ( I am also providing an additional attachment, showing the claim number in a Chase email to me, as well as a letter where they falsely ( lied ) claim to have no cases for this entity. * Please note that Chase 's letter indicates cooperation with my other banks- yet XXXX such banks have contacted Chase regarding fraudulent wires received by them ( which they harbored for months in money laundering accounts of a convicted criminal ) and yet, Chase never had the decency to even reply to these institutions. They are corrupt and must be handled as such. 

As you can easily see from the XXXX attachments, the basis of their latest excuse is easily proven false. Not only have I informed them of this after their first lie, they once again cc XXXX CFPB by lying yet again. 

They have no credibility and need to be held accountable, in the same way Bank XXXX XXXX was held accountable by the XXXX 's XXXX and XXXX of XX/XX/year>. These banks must not continue to abuse customers, causing tenfold damages beyond what customers lost in the first place. 

They are grossly negligent, abusive and wholly amoral.

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: MA

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 2025-01-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This complaint is referencing Experian Credit Reporting Agency. 

The first issue is that I can not get anyone on the phone. I have tried every number on the Internet, as well as the chat feature and NONE of the options get me to a live person. 

The second issue is that I mailed sensitive documents to them over month ago to update my name and it has not been changed. My major concern is the confidentiality of the data I submitted to the address provided by the chat bot. I assume that if it was received, it would have been changed by now, so where are my documents?

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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: 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'm filing a complaint with Equifax for disputes I filed through their website. They were not handle in proper manner after 40 days. The account still remains on my credit report it's been over 7 years.

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: GA

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 2025-01-24 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 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 XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
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: TX

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 XXXX 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, 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. XXXX ) 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. 
These are the account numbers needed to be removed XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: DISCOVER BANK
State: CA

Complaint narrative:
I was approved for a home loan with discover home loans. XXXX XXXX XXXX. Verified income. Listed debts to be paid off. Only to get to underwriting to find out there is a lein on my home From the garbage Company. An I needed to pay this first before they would finish my refinancing. I asked if it could be added to the debt. I was told know. It had to be seasoned funds, that have been in my account for the last 30 days. That I couldn't take the cash I had at home to pay for this debt, nor a credit card. It has to come from My bank account an been there for the last 30 days. I decided to cash a cahiers check that I had for me. Proof of the check. Nor statements from bank are good enough. Even showing I pulled out a large sum of cash a month or two prior to this. I keep money at home. Don't trust banking institutions, I'm being penalized for not having this money left in my account for 30 days. Even tho the cashiers check I cashed I have had over a year. I can't pay it with cash an they accept it. I can't pay with credit cards. I can't even cash the cashiers check I had for security purposes. Nor will they allow me to borrow the money from somewhere, even tho I have the cash. And proof of money coming into My bank and me withdrawing it as well as the cahises checks. I meet all there guidelines and regulations. And this issue with the lien payment and where the money is coming from is the only issue. I can't sell my stocks and it work. I can't even sell the gold or XXXX dollars for this and it will work for them. They are going to deny my loan. Not because I Dont have the money to pay the liens against my home. Because they wont except anything or way I can pay this, if it was not in my account for 30 days prior. I'm being penalized for not keeping my money in a bank. Not allowed to use tangible Assests to pay the XXXX dollar XXXX against my home. I'm a 100 % XXXX XXXX. An I'm not even allowed to Use my Va certificate. Something is not right

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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX BIRCHWOOD XX/XX/XXXX XXXX XXXX SERV XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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