vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
XXXX -The debt was for an unpaid balance for a credit card. The original creditor charged off the debt, closed the account and reported to the credit bureaus, which has affected my credit scores. Portfolio Recovery is a XXXX party vendor who is trying to collect the debt from me. I filed a complaint through XXXX XXXX to dispute the debt and Portfolio is still trying to collect the debt per my credit report. I have not received a bill or communication to pay this third party vendor. Portfolio Recovery is a XXXX party vendor who bought my debt and says I owe {$4700.00} according to XXXX XXXX. I want to see the application that I signed, that I owe this money to Portfolio. I do not have and never signed a application with Portfolio Recovery. The original debtor charged off this debt and I had to claim it as income on my taxes in XXXX. This debt does not exist any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/year> Subject : Demand for Immediate Correction of Disputed Accounts Dear Experian, Experian has failed its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. As a result, inaccurate and unverifiable accounts remain unresolved. 

Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian, alleging systemic issues such as : Failing to forward consumer-provided evidence to furnishers. 

Inadequately notifying consumers of dispute outcomes. 

These failures align with my experience, where Experian has neither corrected nor removed the disputed items despite the evidence I provided. This inaction has caused ongoing harm to my credit standing. 

I am requesting immediate corrective action to remove or amend the disputed accounts. XXXX inaction violates federal law and my rights as a consumer. Please confirm in writing when the corrections have been made and provide an updated copy of my credit report. 

Failure to resolve this matter promptly will result in a formal complaint with the CFPB and consideration of legal remedies under the FCRA. 

Sincerely, XXXX XXXX Addresses XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account nameXXXX XXXX XXXX  Account XXXX Account nameXXXX Account XXXX Account nameBANK OF XXXX Account number Account nameXXXX  XXXX Account XXXX Account nameXXXX  XXXX Account XXXX Account nameXXXX  XXXX Account XXXX Account nameXXXX XXXX XXXX XXXX Account XXXX BANK Account XXXX count XXXX Account nameXXXX Account XXXX Account nameXXXX XXXX XXXX Account XXXX Account nameXXXX Account XXXX Account XXXX & XXXX Account XXXX Account XXXX XXXX XXXX Account XXXX Account XXXX XXXX XXXX Account XXXX Account nameXXXX XXXX XXXX Account XXXX Account nameXXXX XXXX XXXX Account XXXX Account XXXX & XXXX XXXX Account 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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I was laid off from work and I asked them naturally to have these late payments be forgiven and they have said yes but they are still reporting these late. I have contacted them and have not given any updates at all this is my last resort.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I was laid off from work and I asked them naturally to have these late payments be forgiven and they have said yes but they are still reporting these late. I have contacted them and have not given any updates at all this is my last resort.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I have a repossession erroneously listed on my credit report, which has significantly hindered my financial endeavors. I voluntarily returned the vehicle, and throughout the loan, I maintained a flawless payment history, never missing a single installment. At the time, I was assured the vehicle would be sold at auction and that I would have no further obligations. However, to my dismay, the full manufacturers suggested retail price ( MSRP ) was applied to my credit report merely a month later. This unjust entry has created substantial barriers in various financial circumstances, and I am seeking a resolution to rectify this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items. 
2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXXXXXX

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 2025-01-23 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 non-monetary relief
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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute the continued presence of the account listed below, which remains on my credit report despite your previous investigation. I believe the information is inaccurate and detrimental to my credit score. As such, I respectfully request that the account be immediately re-investigated. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX. In accordance with the Fair Credit Reporting Act ( FCRA ), Public Law 91-508, Title VI, Section 611, I am requesting that you provide the names and business addresses of each individual or entity with whom you have verified this account. This is to allow me to follow up as necessary. Furthermore, please provide me with an updated copy of my credit report reflecting the results of your reinvestigation, as required under the FCRA. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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 's failure to remove a closed account upon your request constitutes a violation of the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that consumer reporting agencies, such as Experian, must : Conduct reasonable reinvestigations when a consumer disputes the accuracy of information in their credit report. 

Delete or correct any information found to be inaccurate, incomplete, or unverifiable. 

Provide consumers with the results of their reinvestigations. 

Prevent the reappearance of previously deleted inaccurate information. 


By not removing the closed account as requested, Experian has failed to adhere to these FCRA requirements. 

Notably, on XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian, alleging that the company conducted " sham investigations '' into consumer disputes and reinserted inaccurate information into credit reports. The CFPB 's complaint highlights systemic issues within Experian 's dispute resolution processes, which may be pertinent to your situation. 

Given these developments, it is advisable to document all communications with Experian and consider consulting with a consumer rights attorney to explore further actions to ensure your credit report accurately reflects your financial history.

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 2025-01-23 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 's failure to remove a closed account upon your request constitutes a violation of the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that consumer reporting agencies, such as Experian, must : Conduct reasonable reinvestigations when a consumer disputes the accuracy of information in their credit report. 

Delete or correct any information found to be inaccurate, incomplete, or unverifiable. 

Provide consumers with the results of their reinvestigations. 

Prevent the reappearance of previously deleted inaccurate information. 


By not removing the closed account as requested, Experian has failed to adhere to these FCRA requirements. 

Notably, on XXXX XXXX XXXX, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian, alleging that the company conducted " sham investigations '' into consumer disputes and reinserted inaccurate information into credit reports. The CFPB 's complaint highlights systemic issues within Experian 's dispute resolution processes, which may be pertinent to your situation. 

Given these developments, it is advisable to document all communications with Experian and consider consulting with a consumer rights attorney to explore further actions to ensure your credit report accurately reflects your financial history.

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 2025-01-23 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 am filing a complaint against XXXX for failing to investigate my disputes regarding inaccuracies in my credit report properly. Despite my submissions, XXXX consistently responds within 24 hours, stating that the account is accurate without providing 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, XXXX '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 XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-23 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 am filing a complaint against XXXX for failing to investigate my disputes regarding inaccuracies in my credit report properly. Despite my submissions, XXXX consistently responds within 24 hours, stating that the account is accurate without providing 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, XXXX '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 XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Reported many disputes of accounts that did not belong to m failed to properly investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: WA

Complaint narrative:
Zelle transaction was a scam and fraudulent. 
Posing as a friend of mine on XXXX and she was helping out sell he dads things and need a deposit to hold the item. Sent but it was a scam on her page.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: TX

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 the delayed posting of charges and credits, I was unfairly charged overdraft fees. 

To make matters worse, my account was subsequently closed following these overdraft charges, which has caused significant inconvenience and financial stress. This issue appears consistent with recent findings by the Consumer Financial Protection Bureau ( CFPB ), which identified similar practices by Navy Federal Credit Union. Specifically, transactions settled with insufficient balances despite initially having adequate funds available at the time of authorization. 

I believe these practices are both deceptive and unfair, and I request an immediate review of my account and a refund of the overdraft fees applied. Additionally, I would appreciate clarification on the process and reasoning that led to the closure of my account under these circumstances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NC

Complaint narrative:
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 Dear Sir/Madam, I am writing to formally dispute an item on my credit report, as I believe that it has been reported negligently in violation of Section 1681o of the Fair Credit Reporting Act ( FCRA ). I respectfully request that you investigate this matter in accordance with the FCRA and correct or remove the disputed information if it is found to be inaccurate, incomplete, or misleading. 

The item in question is as follows : Account Name/Number : XXXX XXXX XXXX Nature of Dispute : Despite my efforts to resolve this directly with reporting agency, it remains unresolved, improper investigation, incorrect balance, incorrect account balance. 

As stipulated in FCRA Section 1681o, credit reporting agencies have a legal obligation to maintain accurate and up-to-date information in consumer credit reports. In this instance, I believe the information reported is inaccurate due to [ briefly explain why the information is incorrect, such as an error made by the lender or creditor, failure to update payment history, or reporting information that is outdated ]. 

In accordance with my rights under the FCRA, I request that you take the following actions : 1.Investigate the disputed information and ensure its accuracy.

2.Correct or remove the inaccurate or outdated data as required by law.

3.Provide a written response within the statutory 30-day period confirming the results of your investigation.

Please note that failure to comply with the FCRAs requirements, including neglecting to maintain accurate information on my credit report, could result in legal action. I expect that the necessary corrections be made promptly to reflect accurate data. 

I have attached any relevant documentation supporting my claim, including [ insert any supporting documents, such as statements, account records, or communication with the creditor ]. 

Please acknowledge receipt of this dispute and keep me informed of the progress. 

Thank you for your attention to this matter. I look forward to your timely response. 

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX  IS REPORTING AN ACCOUNT AND BALANCE THAT DO NOT BELONG TO ME SENT REMOVAL LETTER AND MORE MULTIPEL TIMES

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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXXXXXX XXXX IS REPORTING AN ACCOUNT AND BALANCE THAT DO NOT BELONG TO ME SENT REMOVAL LETTER AND MORE MULTIPEL TIMES

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