vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate information or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to provide consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX 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 XXXXXXXX XXXX inaction violates federal law and my rights as a consumer.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$210.00} UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX

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: EQUIFAX, INC.
State: IL

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 CFPBs recent administrative proceeding ( XXXX XXXX. 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 preps of investigation.

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: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Complaint Regarding Inaccurate Reporting of Child Support Payments Dear CFPB, I am writing to formally submit a complaint regarding the inaccurate reporting of my child support payments to the credit bureaus. I have recently discovered that my child support obligations, which were granted in XXXX Mayrland, have been inaccurately reported as delinquent due to nonpayment. However, I wish to clarify the circumstances surrounding this situation : 1. **Relocation** : Both my childs mother and I have relocated. I no longer reside in the state where the child support order was originally granted, and neither does she. Employment income has changed as well since 2019. 2. **Amendment Process** : We are currently in the process of amending the child support order to reflect our new circumstances in Georgia. This amendment is expected to lower the child support payment amount. 3. **Inaccurate Amounts** : The amounts reported to the credit bureaus do not reflect the current situation and are, therefore, inaccurate. Since the order is being amended, the reported payments do not account for my current financial situation and should not be considered delinquent. Given these facts, I request that the CFPB investigate this matter and assist in correcting the inaccurate reporting of my child support payments. I have also contacted the relevant child support enforcement agency to discuss the situation, but I believe it is essential to address this issue with the credit bureaus as well. Thank you for your assistance. Sincerely, Make sure to attach any relevant documentation that supports your case, such as proof of relocation, communication with the child support office, or any notices regarding the amendments. 


XXXX

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TN

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. I was charged fees due to lagged 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 request an investigation into my account transaction.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filling a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Dispute my submissions, XXXX consistently responds within 24 hours of 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 responsible 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 CFPBs recent administrative proceeding ( XXXX XXXX. XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate. 
XX/XX/XXXX {$11000.00} Account charged off. {$11.00}, XXXX written off. {$11.00}, XXXX past due as of XX/XX/XXXX. 

XXXXXX/XX/XXXX {$35000.00} showing {$25000.00} payoff but reflecting negatively on account. 

XXXX XXXXXX/XX/XXXX Account charged off. {$20.00}, XXXX written off. {$20.00}, XXXX past due as of XX/XX/XXXX. 

XXXXXX/XX/XXXX Account charged off. {$47.00}, XXXX written off. {$47.00}, XXXX past due as of XX/XX/XXXX. 

XXXX XXXX Account charged off. {$39.00}, XXXX written off. Updated 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 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filling a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Dispute my submissions, XXXX consistently responds within 24 hours of 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 responsible 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 CFPBs recent administrative proceeding ( XXXX XXXX. XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate. 
TD Bank {$11000.00} Account charged off. {$11.00}, XXXX written off. {$11.00}, XXXX past due as of XX/XX/XXXX. 

XXXXXX/XX/XXXX{$35000.00} showing {$25000.00} payoff but reflecting negatively on account. 

XXXX XXXXXX/XX/XXXX Account charged off. {$20.00}, XXXX written off. {$20.00}, XXXX past due as of XX/XX/XXXX. 

XXXXXX/XX/XXXXXX/XX/XXXX Account charged off. {$47.00}, XXXX written off. {$47.00}, XXXX past due as of XX/XX/XXXX. 

XXXX XXXX Account charged off. {$39.00}, XXXX written off. Updated XX/XX/XXXX

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I've made several attempts to address the fraudulent inquiries and accounts on my credit report, but they remain unresolved. These entries are not mine, and I am not responsible for them. They have caused significant stress and financial hardship. As a victim of identity theft, I may be forced to pursue legal action if this issue is not resolved promptly. These inaccuracies have hindered my ability to purchase a home and provide for my family, severely impacting my financial stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I opened a new saving account at the XXXX XXXX  branch with the banker XXXX XXXX who accepted a valid email code advertising {$520.00} bonus after complete qualifying activities. I attached both email code and bonus qualification criteria XXXX printed out for me. I followed the requirement but didn't receive the bonus as promised. I contacted wells fargo customer service but was told the account was opened without any bonus so I won't get the advertised bonus. XXXX never returned my call so I can't get any help from her.

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 2025-01-23 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:
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 2025-01-23 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: CA

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 explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and 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 XXXX financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I was renting at XXXX XXXX XXXX # XXXX. On XX/XX/XXXX I accidentally made 2 payments for the rent. I contacted the management. They told me for the next month, I don't have to pay for rent since I already paid twice in XXXX. The apartment is not a good cleaning environment so we decided to move out in XX/XX/XXXX. After we left, the management asking us to pay for the XXXX rent. We refused to pay and we showed them our bank statement that we paid extra. 

I have attached my bank statement for XX/XX/XXXX. You will see XXXX transaction for {$1800.00} to XXXX apartment.

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: NJ

Complaint narrative:
I am writing to formally address my concerns regarding your handling of my credit profile. Despite multiple attempts, I have been unable to file a dispute via your website or access my credit report through XXXX. This situation has caused me significant financial and mental distress. 

Your response to my previous complaint was inadequate and failed to resolve the matter. As a U.S. citizen, I have the right to access and dispute information in my credit report under the Fair Credit Reporting Act ( FCRA ). Your actions, or lack thereof, appear to infringe upon these rights and may constitute a violation of federal law. 

It has come to my attention that your organization has faced legal action from the Consumer Financial Protection Bureau ( CFPB ) in the past for similar issues. If this matter is not resolved promptly, I will have no choice but to pursue legal action to protect my rights. 

I request the following actions : Immediate resolution to my inability to file disputes on your platform. 
Access to my credit report via XXXX as mandated by federal law. 
A formal explanation of why my rights have been impeded and the steps your organization is taking to ensure compliance moving forward. 
I expect a written response within [ reasonable time frame, e.g., 10 business days ]. Failure to address this issue satisfactorily will leave me no choice but to escalate the matter legally. 

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 2025-01-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this formal complaint regarding XXXX XXXX XXXX in XXXX XXXX. I was unexpectedly charged for medical assistance despite having valid insurance coverage. To make matters worse, the hospital reported this charge to a credit bureau, negatively affecting my credit score. 

The incident occurred when I was admitted to XXXX XXXX XXXX in an unconscious state. As I was incapacitated and unable to consent, I was charged without my authorization, and no interpreter was provided during my care, which violates basic patient rights. I later discovered that these charges were inappropriately billed directly to me instead of my insurance. 

I have attempted to resolve this matter by disputing the charges with the hospital and the credit bureau. However, my dispute was denied, and the account remains on my credit report. I have made multiple attempts to contact the hospital to address this error, but they have been unresponsive and unwilling to rectify their actions. 

XXXX XXXX Hospitals actions have not only placed an unfair financial burden on me but have also caused undue stress. Their failure to handle this situation appropriately and their disregard for my insurance coverage constitutes a serious violation. 

I request your assistance in investigating this matter and holding XXXX XXXX XXXX accountable for improper billing practices. I would like this debt removed from my credit report and a review of their billing procedures.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX A XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information in Credit Report I am writing to notify you of an issue I have encountered with my credit report. Upon reviewing my credit report, I have found inaccurate or incomplete information that I believe violates the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX ( b ), which pertains to the accuracy of credit reporting. 
The disputed information is as follows : I request that you investigate this information and correct any inaccuracies as required by the FCRA. Please notify me in writing of the outcome of your investigation, as outlined under the FCRA. If you determine that the information is indeed incorrect, I kindly ask you to update my credit report accordingly and provide me with an updated copy of my report. If further information or clarification is needed, feel free to contact me at the address listed above. 
The following company has failed to validate and remove credit reporting and is in violation of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FDCPA in the amount of {$1100.00}. This company is not the original creditor and has no standing to report inaccurate information in a consumers credit report. Please remove this account immediately. 

XXXX XXXX XXXX XXXX CFPB XXXX ID 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 2025-01-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
I am disputing this automobile collection account as it does not belong to me. The account for OMNI world Financial with the last XXXX digits account number XXXX is fraudulent and not my responsibility. I have never purchased this vehicle, never applied for financing for this vehicle, and have no connection to this debt. I request a full investigation and complete removal of this account from my credit report. I am prepared to provide additional documentation to prove this account is not mine. Please investigate and remove this fraudulent account from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am writing this complaint on this collection that showed up on my credit, because I have disputed this issue with XXXX twice on XX/XX/XXXX and on XX/XX/XXXX of 2024 I believe that is was not investigated properly, because I have no knowledge of this collection. I believe that it is continuing to report on my credit unfairly according to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation