vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, IL, XXXX ] [ XXXX XXXX XXXX ] [ XXXX ] [ XXXX2025 ] TransUnion, Experian, Equifax [ XXXX XXXX XXXX, XXXX, TX XXXX ] [ XXXX XXXX XXXX, XXXX, GA XXXX ] [ XXXX XXXXXX/XX/XXXX XXXX, PA XXXX ] Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit report. Upon reviewing my recent credit report, I found the following accounts contain incorrect or outdated information : 1. XXXX XXXX XXXX ( Account # XXXX ) ** Reported as derogatory and charged off. Please verify that the balance, status, and payment history are reported correctly. 
2. XXXXXX/XX/XXXX( Account # XXXX ) ** Listed as a collection/charge-off account. Please confirm the accuracy of the reported balance and payment history. 
3. XXXX ( Account # XXXX ) ** Reported as derogatory with a charge-off status. I am listed as an authorized user. Please verify if the charge-off status should apply to an authorized user. 
4. XXXX ( XX/XX/XXXX ) Account # XXXX 5. XX/XX/XXXX Account # XXXX 6. XXXX XXXX Account # XXXX # XXXX 7. XXXX Account # XXXX 8. XXXX Account # XXXX 9. XXXX ( FRAUDULENT CREDIT INQUIRY ) I request that you investigate these accounts and provide verification of their accuracy. If any information is found to be incorrect, I ask that it be corrected or removed promptly. Please provide me with an updated credit report reflecting any changes. 

Enclosed are copies of my identification and supporting documents for verification. 

Thank you for your time and assistance. Please respond in writing within 30 days of receiving this letter. 

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 2025-02-07 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: OH

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccurate in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX U.S.C. XXXX ( 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 Experian complies with federal law and provides consumers with the necessary proof of investigation. 

The accounts are XXXX XXXX XXXX and 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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: CA

Complaint narrative:
Your company has placed inquiries on my credit report without my permission, and its causing me a lot of unnecessary financial problems.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: OH

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite have sufficient funds when transactions were authorized. I was charged fees due to lagged aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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 disputed numerous fraudulent accounts and XXXX minutes later received confirmation my dispute had been resolved unfavorably

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed numerous fraudulent accounts and XXXX minutes later received confirmation my dispute had been resolved unfavorably

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: NV

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the following entries on my credit report, which I believe to be inaccurate : XXXX XXXX XXXXXXXX - {$1800.00} I have made numerous attempts to correct these discrepancies, submitting the required documents and following up multiple times, but no action has been taken. These errors have caused unnecessary financial hardship and have put an immense strain on my personal well-being. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report free from inaccurate or unverifiable information. I expect a thorough investigation and a resolution in a timely manner. Please ensure that these concerns are properly addressed as soon as possible.

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 2025-02-07 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 process 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 financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 m account vulnerable and unprotected.

+ Furthermore, their dispute resolution process 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 financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: CA

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/year>, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes.

I kindly request the following : 1.Immediate removal of the erroneous address from my credit report. 
2.An updated credit report reflecting the corrected information.

3.Written confirmation of the actions taken to resolve this dispute. 

XXXX, CA, undefined

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: OR

Complaint narrative:
I was alerted by a friend to check my credit score, as others are reporting their forgiven loans through PSLF are now showing as " Open '' on their credit reports. I looked, and mine was showing as open. It had been forgiven in XXXX, XXXX, and I have paperwork from XXXX and StudentAid.gov to show that I had completed my PSLF. I contacted StudentAid.gov today and was told that I am not showing a balance on their end, and all my loans are showing as closed. However, XXXX has reported this loan as open, and it is now showing on my credit report. I have attempted to contact them, but it will not let me since I do not " have an active account '', since they closed it!

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 2025-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WA

Complaint narrative:
I called Mohela on XX/XX/XXXX after XXXX hours of wait time I was able to reach an agent. At that time my request to the agent for information regarding an administrative forbearance caused her to put me on hold resulting me going back to the queue with a quoted XXXX hour wait time. I did not have that time to wait. 
I called Mohela on XX/XX/XXXX at XXXX EST, I waited on hold for XXXX hours, quoted a XXXX hour wait time, tried the call back request. Input my phone number, never received a call back. Called again at noon XXXX quoted a XXXX hour wait time, was on hold for XXXX hours, spoke to an agent who said I was unable to get an admin forbearance but could not tell me why. 
Called Mohela again on XX/XX/XXXX at XXXX PST, was on hold for XXXX hours ( quoted XXXX hr XXXX min ) to speak to an agent who could not answer my forbearance question and transferred me to " advanced '' agent. Quoted XXXX hour XXXX minute wait time, waited XXXX hours on hold. Finally go an agent and mid-sentence was transferred to a survey to rate XXXX when trying to rate XXXX, it said " this is not a valid answer. '' Trying to submit a name change and upload a paper IDR request, the website does not work to do this. It either says the file is too big ( it's not too big, it's less than XXXX like they required ), the format is not an accepted format ( it is an accepted format, it's XXXX ), and then I am directed to an error page where it says " Sorry, try again later. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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:
Can you XXXX how frustrating it is to work hard and manage your finances responsibly, only to check your credit report and find errors everywhere? These inaccuracies have not only damaged my XXXX XXXX but have also had a serious impact on my life. My credit is essential, especially during emergencies, and every paycheck is already stretched thin. This situation is beyond stressful, and I need immediate action.

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 2025-02-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Immediate Removal Request for Inaccurate Accounts Impact of Equifax XXXX XXXX Dear Equifax, I am writing to dispute the inaccurate accounts listed on my credit report, which do not belong to me. These entries are a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and must be removed immediately. 

As a victim of the Equifax data breach, my personal information was exposed to potential fraud. Since then, my family and I have faced significant financial hardship, including fraudulent activity related to the breach. The inaccurate accounts on my credit report are exacerbating our situation by damaging my credit score, further preventing us from obtaining necessary financial resources. 

Despite my prior disputes, I have not received any valid documentation, verification, or proof that these accounts are mine. Under the FCRA ( Section 1681i ), you are required to conduct a thorough investigation and remove unverified information from my report. Since no verification has been provided, I demand the immediate removal of these negative entries. 

Given the financial harm caused by the breach, I request that these errors be corrected within XXXX  days from receipt of this letter. If not, I will pursue legal action for violations of the FCRA. 

Thank you for addressing this matter promptly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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:
Experian has continually failed to properly investigate and resolve my credit report disputes over the past XXXX years. Despite my repeated attempts to have inaccurate and unauthorized information corrected, Experian has ignored my requests, falsely claimed that disputes were investigated and verified, and engaged in deceptive reporting practices. 
XXXX XXXX of XXXX and XXXX XXXX For the past XXXX years, every dispute I have submitted has been met with a generic postcard response stating that the information has been " updated and verified. '' However, there has been no real investigation into my claims, and the disputed items remain unchanged. 
Experian has falsely reported that disputed items were " investigated and verified '' when in reality, no proper investigation ever took place. The continued misrepresentation of these verifications constitutes a deceptive and fraudulent practice that is both misleading and damaging to me the consumer. 
After each dispute request, Experian has updated my credit file, falsely marking disputed items as " verified and updated '' instead of properly investigating or removing inaccurate information. 
I have filed multiple complaints with the Consumer Financial Protection Bureau ( CFPB ) regarding Experians fraudulent practices. However, every complaint has been closed without any meaningful resolution. This raises serious concerns about both XXXX influence over regulatory bodies and the effectiveness of consumer protection mechanisms. In XXXX, 2024 I also submitted XXXX for the XXXX breach settlement, as my data was stolen and I incurred true damages thanks to Experian and they completely ignored my stack of documents sent and failed to respond or provide monetary remedy.

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