vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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:
Dispute of Civil Liability for Negligence ( Case Number : XXXX I am writing to formally dispute the claim of civil liability for negligence associated with case number XXXX. It is my position that I am not liable for the allegations presented, and I wish to outline my reasons for this dispute. 

Firstly, it is essential to clarify the details surrounding the incident in question. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I filed claims/disputes with Experian and XXXX regarding unauthorized credit inquiries on my credit file, and they failed to resolve the issue with negligence. My credit score has been affected by these unauthorized inquiries and as of today the problem has not been fixed. The actions taken on my part were reasonable and within the expected standard of care under the circumstances. 

I respectfully request that you review this information and reconsider the claim of negligence. I am open to discussing this matter further and hope to resolve this issue amicably. 

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

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 2025-01-25 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: AL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate and incorrect information listed on my credit report concerning the following accounts : XXXX. Account # XXXX with XXXX XXXX XXXX  Date Opened : XX/XX/year> Amount : {$1200.00} XXXX. Account # XXXX with XXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Amount : {$200.00} XXXX. Account # XXXX with XXXX XXXX XXXX Date Opened : XX/XX/year> Amount : {$1900.00} The information reported on all of these accounts is inaccurate and should not appear on my credit report. I initially filed a dispute with Experian, requesting a proper investigation into these accounts. However, Experian failed to follow up on my dispute and did not take any corrective action to address the inaccuracies. 



I recently learned that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian. The allegations against Experian include : Accepting unreliable and inaccurate information from data furnishers, and Failing to notify consumers of the results of their disputes in violation of federal laws. 



These allegations align directly with my situation. Experian has not made any effort to address my dispute, remove the inaccurate information, or correct the errors despite their obligations under the Fair Credit Reporting Act ( FCRA ). 



The presence of these inaccurate and derogatory accounts on my credit report is negatively affecting my financial stability and opportunities, including my ability to secure housing and a vehicle. Experians failure to address this matter is not only a violation of my rights as a consumer but also a breach of federal laws designed to protect consumers from these exact issues. 



I am requesting the immediate removal or correction of these derogatory marks from my credit report. This matter must be resolved promptly, as these inaccuracies are causing undue hardship. If this issue is not addressed, I will have no choice but to pursue additional legal remedies to protect my rights. 



Thank you for your time and attention to this urgent matter. Please feel free to contact me directly if further information or documentation is needed to assist with this investigation. 



Sincerely, 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 2025-01-25 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: NJ

Complaint narrative:
This XXXX account was deleted in XX/XX/year> due to it being a fraudulent account which was investigated by XXXX and XXXX and was deleted from my credit report. After numerous attempts of providing evidence and identity verification per request Equifax refused to remove this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: TN

Complaint narrative:
I am writing to file a formal complaint against XXXX for their failure to adequately investigate my credit disputes as required by the Fair Credit Reporting Act ( FCRA ) .Despite my follow-ups, XXXX has not adequately addressed these issues. This failure has had a significant negative impact on my credit score and financial opportunities.I appreciate the CFPB 's assistance in resolving this matter and ensuring that XXXX adheres to the legal obligations under the FCRA.

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 2025-01-25 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: TN

Complaint narrative:
I am writing to file a formal complaint against XXXX for their failure to adequately investigate my credit disputes as required by the Fair Credit Reporting Act ( FCRA ) .Despite my follow-ups, XXXX has not adequately addressed these issues. This failure has had a significant negative impact on my credit score and financial opportunities.I appreciate the CFPB 's assistance in resolving this matter and ensuring that XXXX adheres to the legal obligations under the FCRA.

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 2025-01-25 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: NY

Complaint narrative:
I am writing to file a formal complaint against Equifax for failing to properly investigate and verify the accounts I have disputed as inaccurate on my credit report. Despite providing detailed information and evidence to support my disputes, Equifax continues to report inaccurate information without demonstrating that the information has been thoroughly reviewed or verified, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Equifax 's failure to comply with the FCRA is causing me significant harm, as these inaccuracies are negatively impacting my credit profile and financial well-being. Specifically : Equifax has failed to notify me of the methods used to verify the disputed accounts. 

Equifax has not provided any proof from the furnishers of the disputed information to confirm its accuracy. 

My disputes have been dismissed without proper reinvestigation, as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: IL

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 when transactions were authorized, I was charged fees due to lagged postings of charges & 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 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 2025-01-25 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX i sent certified letters to XXXX XXXX XXXX WELLS FARGO, XXXX, XXXX XXXX XXXX requesting them to remove a LATE PAYMENT from my consumer report, there was No responds until i file a complaint with the CFPB in XX/XX/XXXX XXXX XXXX responded with the balance i owe them not the late payment Under the Law 15 USC 1666b timing of payment, I never got no notice in the mail... section 1637b or a Periodic statement or a negetive information notice!!! I ASKED FOR THE LATE PAYMENT TO BE REMOVED NOT TELL ME MY ACCOUNT BALANCE the dispute was never addressed and the CFPB closed my case on XX/XX/XXXX what is going on!!!!!

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 2025-01-25 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: NY

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

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 2025-01-25 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi will not remove their account ending XXXX from all Please reference Complaint No : XXXX Citi or Citicards CBNA will not remove their account information from my credit report with all 3 Major Credit Bureaus such as XXXX, XXXX, XXXX in which they are required by law due to this company not having any supporting documentation showing I signed or agreed to account ownership or authorized user. I spoken with the general customer service department who said they can not find an account with my name or SSN. The general customer department recommended I speak with Citi bank Credit Disputes XXXX XXXX. I was instructed to send a letter with my name, ssn, address, phone. DOB for Citi to provide supporting documentation of my ownership or authorization signed by me for this account. Citi Disputes did not send any type of supporting documentation of XXXX XXXX authorizing or signed any documents for ownership or authorized user. So I called back in XX/XX/XXXX. I spoke with XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX with the Citi Investigation Team who still could not provide any supporting documentation of me signing an application or approving authorization of ownership for this account. Next they sent me to the Security Operations Department who stated I had to speak with Probate because my Grandmother XXXX XXXX who passed away had account open in XXXX with my name involved. I spoke with XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX who would research and send documentation if existed. I still as of this day have not received anything supporting documentation of ownership from Citi or Citicards CBNA with my signature on an application or my approval to be authorized for this account ending XXXX. I've made complaints XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I've also talked with XXXX and XXXX from Citi CNBA Executive Resolution team who also could not provide ownership signature or proof of authorization by me from XX/XX/XXXX - present at XXXX. Texas State Attorney General Office filed a dispute and Citi CBNA responded with the wrong account response. Citi is negligent and committing fraud.

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 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX credit cards were opened without my consent these accounts are fraudulent I never applied for a credit card with XXXX  or XXXX  credit cards, have these accounts closed and removed from my credit file,

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 2025-01-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: TrueAccord Corp.
State: NM

Complaint narrative:
XXXX sold my debt to third party who is contacting me to pay the balance of {$440.00}

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 2025-01-25 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: VA

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 non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am a victim of identity theft, bank fraud, computer intrusion and hacking. The hackers accessed my information and changed my phone numbers to another carrier and I don't have access to verify my identity to review the fraudulent accounts that were opened,

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 2025-01-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposit a check in the amount of {$5300.00} and when I deposit the check the receipt said they will hold the check until XX/XX/year> and after a few hours I login into my bank account and the hold change from XX/XX/year> to XX/XX/year> the check is from a trust fund from the XXXX bar association which is a settlement.

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 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
XXXX credit cards were opened without my consent these accounts are fraudulent I never applied for a credit card with Indigo or milestone credit cards, have these accounts closed and removed from my credit file,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-01-25 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I been getting incorrect information 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 2025-01-25 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This Lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
I am a victim of identity theft, bank fraud, computer intrusion and hacking. The hackers accessed my information and changed my phone numbers to another carrier and I don't have access to verify my identity to review the fraudulent accounts that were opened,

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 2025-01-25 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: MO

Complaint narrative:
These are the inaccurate accounts 
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 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 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