vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On our about XX/XX/year> Experian allowed someone to open a XXXX XXXX checking account in my name. I was able to close the account but Experian did not give a satisfactory reply on how someone was able to open the account. I had previously frozen my credit at all credit agencies, including Experian, yet they still allowed a checking account to be opened without notifying me in any way. I discovered the account while investigating other Experian issues.

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: WA

Complaint narrative:
I am disputing an inaccurate 30-day late payment reported by XXXX XXXX XXXXXXXX on my credit report for XX/XX/year>. XXXX has confirmed that this was a system error and provided me with a letter stating that they corrected the error and notified the credit bureaus. However, my credit reports remain unchanged, and this inaccuracy has negatively affected my ability to secure a home loan. Please find the attached evidence : XXXX. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: ID Analytics, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I received a denial for a credit application with XXXX and various lenders, citing my XXXXXXXX XXXX XXXX Score of XXXX, which was used in their decision-making process. This score is significantly lower than my current credit scores from major credit bureaus, which are XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ). 

I previously opted out of XXXX reporting services, and I am deeply concerned that my data is still being accessed and used without my consent. Despite my opt-out, XXXX continues to provide my personal and credit information to lenders, which I believe is a violation of my rights under the FCRA. 

FCRA Violations Observed : Failure to Honor Opt-Out Request ( 15 U.S.C.1681b ( c ) ) : I formally opted out of XXXX data sharing XXXX however, my information was still accessed and reported to XXXX, contributing to the denial of my credit application. 

Reporting Inaccurate Information ( 15 U.S.C.1681e ( b ) ) : XXXX has provided outdated and inaccurate data that does not reflect my true credit standing, leading to significant financial harm. 

Failure to Provide Disclosure ( 15 U.S.C.1681g ) : When I requested my full XXXX report, I was not given a complete disclosure of the information they hold, preventing me from verifying its accuracy. 

Failure to Investigate Disputes ( 15 U.S.C.1681i ( a ) ) : I have attempted to dispute the accuracy of my reported information, but XXXX has not provided a timely response or corrected the discrepancies. 

Harm Caused due to XXXX 's inaccurate and unauthorized reporting : 1. I have been denied access to necessary credit for my personal and business needs 2. My creditworthiness has been unfairly misrepresented to lenders.

3. I have suffered financial and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: MA

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 actions may also contravene the Consumer Financial Protection Act ( CFRPA ), 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. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This debt was never confirmed or validated. If they can come up with some paperwork where I did contractually agree to pay this debt then Id be obligated to pay but I did no such thing. So please removed this from my credit report. And quit sending me pre-legal emails threatening to sue me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: TN

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, 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 federal law and provides consumers with the necessary proof of investigation. Dispute number XXXX denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing a complaint with XXXX and Transunion for failing to update my address on my accounts after I disputed and told them that I no longer live at that current address anymore. XXXX and Transunion consistently responds within 24 hours stating that the account is accurate without providing any evidence.

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 2025-01-26 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:
Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian Information Solutions , Inc., one of the largest consumer reporting agencies in the United States. The CFPB alleges that Experian violated the Fair Credit Reporting Act ( FCRA ) by failing to conduct reasonable reinvestigations of disputed information in consumer credit files. Specifically, the lawsuit claims that Experian did not properly address consumer disputes, failed to delete inaccurate or unverified information, and neglected to provide adequate notice to consumers regarding the results of their disputes. Additionally, the CFPB accuses Experian of unfair practices, such as distorting consumer disputes and excessively relying on furnishers without adequate verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: NJ

Complaint narrative:
I am filing a complaint against Equifax for inaccurate information on my credit report. Despite filing disputes, the following errors remain unresolved : Old Addresses : My report includes outdated addresses. 

Closed Accounts : Several closed accounts are still listed as open. 

Old Employers : Previous employers are still appearing on my report.

Paid in Full Accounts : Accounts that have been paid in full are incorrectly marked as outstanding. And should be removed Charge Offs and Collections : Resolved charge offs and collections are still showing as active. need to be removed Credit Score Discrepancies : There is a significant discrepancy between my Equifax credit score and scores from other credit reporting agencies, with Equifax showing a lower score by immediately updating my points. 

Accessibility Issues : I have been unable to access my Equifax credit report despite multiple attempts. I've been unable to get assistance my phone. 

I request the CFPB 's assistance in ensuring Equifax complies with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681i, which mandates credit reporting agencies to correct inaccuracies.

My Rights under the FCRA : Access to Credit Report : Obtain a free copy of my report annually.

Dispute Inaccuracies : Right to dispute incorrect information.

Notification of Adverse Actions : Right to be informed if credit is denied based on my report. I have not been notified of anything in my report nor have given any permission to such reporting Limit Access to Report : Right to control who accesses my report.

Privacy : Protection of my credit information. I opt out of all data sharing and reporting.

Correction of Inaccuracies : Right to have errors corrected. You have ( 4 ) days to correct the inaccuracies. 

Reinvestigation : Right to a reinvestigation of disputed information. Such as the hard inquiry that i have no knowledge of. 

Fraud Alert : Right to place a fraud alert on my report. I have been unable to access my report to freeze it.

Additionally, it is important to note that charge-offs are considered taxable income by the IRS. When a debt is canceled or forgiven, the forgiven amount is treated as income, and I am required to report it on my tax return. Equifax 's failure to correctly report resolved charge-offs has financial implications and causes significant distress.

Relevant FCRA Sections : 15 U.S. Code 1681a : Definitions and rules.

15 U.S. Code 1681b : Permissible purposes.

15 U.S. Code 1681c : Excluded information.

15 U.S. Code 1681d : Disclosures to consumers.

15 U.S. Code 1681e : Accurate information.

Equifax 's failure to correct these errors violates my rights under the FCRA and has caused me significant distress and financial inconvenience. Please help ensure Equifax fulfills its legal obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute on XXXX, XXXX XXXX due to inaccurate information. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a new home, and has affected my attempt at a new car previously. Experian violates my rights as a consumer, as well as federal laws as noted in my second dispute attempt with them.

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 2025-01-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I am filling a complaint against capital one regarding the deceptive practices related to their 360 " high yield interest '' savings account. Capital misrepresented the 360 saving account a having one of the nation 's highest interest rates, yet failed to notify account holders about the superior rates offered by the 360 performance savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the truth in Saving Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: MA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX 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, XXXX actions may also contravene the Consumer Financial Protection Act ( CFRPA ), 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts : 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 2025-01-26 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 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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying to get a copy of my credit report for this past month and have not been able to get it. please send me a copy of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX, I contacted Equifax regarding inaccuracies and missing information in my credit report. Specifically, my report did not reflect any of my credit accounts, including revolving, installment, and other accounts. Additionally, fields such as " Average Account Age, '' " Length of Credit History, '' " Oldest Account, '' and " Most Recent Account '' were blank or displayed invalid data. The " Report Date '' also appeared as " Invalid Date. '' Despite my inquiry, I have not received any response or resolution from Equifax, either via email or mail. I recently checked my credit report again on XX/XX/XXXX, and the issue persists. The lack of accurate reporting is concerning, as it could negatively affect my financial standing. 

I am requesting an investigation and correction of my credit report, as well as an explanation as to why my previous inquiry was not addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America closed my account. I need it for my tuition

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 monetary relief
Consumer complaint received 2025-01-26 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: CT

Complaint narrative:
Due to account being hacked at all XXXX  credit companies, I have been receiving unsolicited calls, texts and emails from vendors. 
I have frozen my profile at all companies to prevent illicit 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 explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Hello, The complaints is against an array of businesses connected to my checking account. First business is Chase Bank, they allowed a consumer to charge my account after I alerted them of not making the charge, they allowed XXXX to charge a locked card/account. This is not the first time this has happened in regards to chase I have changed bank account numbers within Chase bank because I am unable to change banks at this time. They allow people to process fraudulent charges continuously on my account while it is locked and then I am put in positions that require me to change my account number XXXX times within 2 years, and I have to get new card numbers at least 4 times in 2024 alone. Which makes accounts that I have to pay late because of my account being blocked by Chase because of the fraudulent activity they allow. Next we have XXXX, transactions take awhile to release especially when they're XXXX  to XXXX  customer transactions they will sometimes hold the money for 2-3 days. Lastly, during all this XXXX has access to charge my bank account without having the new card on file, so I am unable to access how they have access to an account without a card because I never use my checking account number as payment for checkout. Between XXXX, Chase and XXXX and XXXX something needs to be done because they are indeed stealing from customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filing a complaint against Cash App ( Block.inc ) due to inadequate customer service and unfair practices leaving my account vulnerable which violate Consumer financial protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent my address fraud on there platform leaving my account vulnerable and unprotected Furthermore, their dispute resolution process was unfair deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
This debt was never confirmed or validated. If they can come up with some paperwork where I did contractually agree to pay this debt then Id be obligated to pay but I did no such thing. So please removed this from my credit report. And quit sending me pre-legal emails threatening to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: CA

Complaint narrative:
Transunion has failed to correct incorrect information with regard to late payments and charge off accounts showing on my credit report. I have disputed these accounts with Transunion along with incorrect names addresses and phone numbers they also show on my credit report.

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 2025-01-26 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: VA

Complaint narrative:
I reviewed my credit report and noticed fraudulent accounts that do not belong to me. Please remove these accounts.

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