vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by the consumer, this must be provided with in15 days in order to comply with FCRA guidelines. Attached you will find the first request for debt validation. Due to the data breeches that have been running around I and the information that I do not know about please validate the following alleged debtsXXXX 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

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting the immediate unfreezing of my credit file and removing of fraud alerts. See attached document.

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 2025-03-12 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:
Dear Consumer Financial Protection Bureau ( CFPB ), I am filing this complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding inaccurate and unverified information on my credit report. Despite my formal dispute, Experian has not conducted a proper reinvestigation nor provided adequate verification of the disputed information, in violation of federal law. 

Details of the Complaint : 1. Failure to Conduct a Reasonable Reinvestigation Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed items within 30 days. I submitted a dispute regarding inaccurate and unverified information on my credit report, yet Experian failed to provide proper verification or remove the disputed items.

2. Retention of Unverifiable and Inaccurate Information According to 15 U.S.C. 1681i ( a ) ( 5 ), any information that is inaccurate, incomplete, or can not be verified must be promptly deleted or corrected. Experian continues to report unverifiable and incorrect information on my credit report, despite my request for validation.

3. Failure to Provide Documentation Supporting the Accuracy of Disputed Items Per the FCRA, Experian is obligated to provide supporting documentation verifying the accuracy of disputed accounts. However, I have not received any legitimate proof that the negative accounts in question have been properly verified with the original creditors.

Requested Resolution : I am requesting that the CFPB take action to ensure that Experian : Conducts a thorough and reasonable reinvestigation of the disputed items in compliance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Removes all inaccurate, incomplete, and unverifiable information in accordance with 15 U.S.C. 1681i ( a ) ( 5 ).

Provides me with clear documentation verifying the accuracy of the disputed accounts, as required under the FCRA.

Faces appropriate regulatory action for its failure to adhere to consumer protection laws.

Experians failure to comply with these federal requirements not only damages my creditworthiness but also violates my rights as a consumer. I urge the CFPB to investigate this matter and ensure that Experian upholds its legal obligations under the FCRA. 

Thank you for your time and attention to this matter. Please let me know if any additional information is required. 

Thank You

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 2025-03-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: MA

Complaint narrative:
I have a XXXX giftcard given to me with {$500.00} original sum. The card is active until XX/XX/year> and I believe I still have {$500.00} remaining but I have been unable to verify the balance using prepaidgiftbalance.com and the phone number on the back of the card XXXX. I have tried entering the card details multiple times on the website and through phone number with help of a live representative. A customer service representative suggested I provide a copy of the giftcard front and back as well as my government issued ID and mail or fax this information to them then call back XXXX weeks later. I dont feel comforable sending this information in this manner and have very little confidence in this resolution. 
The barcode suggests it may be a XXXX XXXX  gift card but when I called XXXX customer service, they also did not recognize the gift card number nor the barcode number on the back of the card.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Fraudulent activities on my credit report, these items are unauthorized please have them removed immediately. 

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 explanation
Consumer complaint received 2025-03-12 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) 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 2025-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union ( NFCU ) for wrongfully denying multiple chargeback disputes for fraudulent or unauthorized transactions totaling over {$1500.00}. These chargebacks were denied solely due to the passage of the 60-day dispute window, despite my repeated attempts to dispute these charges within the proper timeframe, both online and over the phone. 

NFCUs system had errors and outages when I initially attempted to dispute the charges, preventing me from filing timely disputes. Additionally, I provided clear proof that I did not receive the services I paid for, yet NFCU has refused to credit my account or investigate the matter properly. 

Violations and Concerns : 1. Failure to Investigate Fraudulent Transactions : NFCU failed to conduct a good faith investigation as required under Regulation E ( for debit card transactions ) and Regulation Z ( for credit card transactions ).

2. System Errors Preventing Timely Disputes : NFCUs dispute system was unavailable or malfunctioning when I attempted to dispute these charges, preventing me from timely filing.

3. Unfair Banking Practices : The denial of my disputes appears to be a deliberate attempt to avoid honoring consumer protection laws.

4. Failure to Provide Services Paid For : I have submitted proof that the services tied to these transactions were never rendered, yet NFCU refuses to reverse the charges.

Requested Resolution : I demand that NFCU fully reimburse all disputed charges, totaling over {$1500.00}, due to their failure to properly investigate. 
I request the CFPB review NFCUs dispute resolution process to determine if they are systematically denying legitimate chargebacks based on arbitrary time limits rather than proper fraud investigations. 

Legal Notice : If this issue is not fully resolved within 90 days, I will pursue legal action against NFCU for breach of contract, negligence, and violations of federal consumer protection laws. I will also be filing complaints with the NCUA, FTC, and my state Attorney Generals office to further investigate these unlawful practices. 

I expect immediate action from NFCU to correct this and prevent further harm to consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) 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 2025-03-12 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: CA

Complaint narrative:
XXXX {$310.00} i have been asking this company to validate this debt and send me a copy of the contract and not once did i receive this nor did i hear back from this company XXXX- {$580.00} is on my credit that has been closed and is still reporting as if it is still open when in fact on my credit it states that this account was charged off and is closed. 

XXXX XXXX XXXX XXXX i contacted this company stating this was a fraud account and my Social was compromised and the company did not in fact have any identity of me as a copy of my D.L or anything and when i asked them for validation they would not worl with me and said it was mine when i had told them it was a fraud account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: CA

Complaint narrative:
XXXX {$310.00} i have been asking this company to validate this debt and send me a copy of the contract and not once did i receive this nor did i hear back from this company XXXX- {$580.00} is on my credit that has been closed and is still reporting as if it is still open when in fact on my credit it states that this account was charged off and is closed. 

XXXX XXXX XXXX XXXX i contacted this company stating this was a fraud account and my Social was compromised and the company did not in fact have any identity of me as a copy of my D.L or anything and when i asked them for validation they would not worl with me and said it was mine when i had told them it was a fraud account

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 2025-03-12 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX has failed to fulfill its legal obligations under the fair credit reporting act ( FCFA ) to conduct a reasonable reinvestgation of disputed information on my credit, leaving inaccurate or unverifable accounts unresolved. The consumer Financial protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer provided- evidence to furnishers, accepting unreliable response, and failing to adequately notify consumers of dispute outcome. These failures align with my experience, where XXXX has either corrected nor removed dispute items despite the evidence i provided, causes ongoing harm to my credit standing .I 'm requesting immediate corrective action to remove or amend the disputed accounts, Aa XXXX  inaction violates federal law in my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: CL Holdings LLC
State: FL

Complaint narrative:
XXXX has failed to fulfill its legal obligations under the fair credit reporting act ( FCFA ) to conduct a reasonable reinvestgation of disputed information on my credit, leaving inaccurate or unverifable accounts unresolved. The consumer Financial protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer provided- evidence to furnishers, accepting unreliable response, and failing to adequately notify consumers of dispute outcome. These failures align with my experience, where XXXX has either corrected nor removed dispute items despite the evidence i provided, causes ongoing harm to my credit standing .I 'm requesting immediate corrective action to remove or amend the disputed accounts, Aa experian inaction violates federal law in my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
Freedom mortgage will not cancel my impound account. They state the LTV of my loan is above 80 %. With my previous servicer PMI was dropped after an appraisal justified the LTV was below 80 %.

Freedom mortgage is non responsive to emails and requests in their portal. I can not speak with any decision makers on the phone nor will they respond via email. 

I wish to cancel my impound account which is within my rights as my LTV is well below the federal required LTV.

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 2025-03-12 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNT that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNT from my credit report. 
ACCOUNT : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Subject : Immediate Dispute and Demand for Investigation of Multiple Fraudulent Accounts To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of multiple fraudulent accounts that have been opened in my name without my consent. Upon reviewing my credit report, I discovered that several accounts have been fraudulently opened under my name, and I am appalled by the lack of action in resolving this matter.

These fraudulent accounts are not mine and have been opened by individuals who have stolen my personal information. I demand the immediate removal of the following accounts from my credit file : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX  Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX  Date Opened : XX/XX/XXXXXXXX  This situation is intolerable, and I expect immediate and thorough action on your part. These accounts are fraudulent, and I am holding your institution responsible for allowing such accounts to be opened in my name. I demand an investigation into this matter, a prompt resolution, and the deletion of all fraudulent accounts from my credit file within the legally required timeframe. 

Additionally, I request that you provide me with the following information regarding these fraudulent accounts : Documentation showing the application process for each account, including proof of identity. 
Copies of any contracts or agreements signed in relation to the accounts. 
Any records related to the investigation of these accounts ( if applicable ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
The bank could not provide any proof of mailing nor proof of delivery for my XXXX IRA distribution check, which has gone missing. A second issue pertains to undelivered mail. According to the bank, they have alleged that 16 pieces of USPS mail sent to me was returned to the bank since XX/XX/XXXX. I discussed this with my USPS Postmaster, who found this to be questionable. He requested a letter from the bank stating this mail had been returned since the Bank has my correct mailing address. I made this request to the Bank over one month ago. The Bank promised a letter would be sent to me for the Postmasters review. When the letter was not received after one month, I contacted the Bank to notify that I had not received the letter as promised. During that telephone conversation, I was told that the letter had not been sent out, and that the Bank was refusing to put the information regarding the returned mail in writing. This leaves me in a predicament, as the USPS is unable to ascertain whether mail is actually being returned to the Bank or if this was merely a fabrication on the part of the Banking representative Id spoken with. In addition, I am still awaiting my XXXX check which was allegedly mailed to me on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: SC

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 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 2025-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: TX

Complaint narrative:
I was notified that a student loan account was opened with my identity on my credit in XX/XX/year>! Ive since contacted the loan servicer, the college and Ive also filed police reports, and identity theft reports. Im now facing homelessness, and financial hardships do to this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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 ( MO ) XXXX 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