vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: MS

Complaint narrative:
I HAVE SEVERAL ACCOUNTS ON MY CONSUMER REPORT THAT ARE INACCURATE, UNVERIVIED AND ARE A VIOLATION OF THE FCRA. THESE ACCOUNTS HAVE DIFFERENT DATES OF LAST ACTIVITY BETWEEN EXPERIAN, XXXX, AND TRANSUNUION. THESE ACCOUNTS MUST BE DELETED FROM MY CREDIT REPORT IMMEDIATELY. ( CREDIT ACCEPTANCE ) ( WORLD FINANCE ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- THESE ACCOUNTS ARE REPORTING INACCURATE PAYMENT HISTORY AND DIFFERENT DATES OF LAST ACTIVITY/STATUS DATE BETWEEN XXXX, XXXX, AND EXPERIAN. ( CREDIT ACCEPTANCE ) ( SELF ) ( SEL LENDER ) ( SELF LENDER LEAD BANK )

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 2025-01-24 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: IL

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

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 2025-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Im filing a complaint against Capital One regarding the deceptive practices related to their 360 High Yield interest savings account.

Capital One misrepresented the 360 savings account as having one of the nations highest interest rates, yet fail to notify account holders about the superior rate offered by 360 Performance Savings Accounts. This deliberate obscurity and lack of transparency violates consumer trust and resulted in significant financial losses for many breaching the Consumer Financial Protection Act and the Truth in Savings Act. I see redress for the misleading practices and failure to fulfill their advertised promises

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: CT

Complaint narrative:
I am filing a formal complaint against the credit beauraus for failing to comply with the FCRA, specifically concerning the accuracy of credit reporting and the handling of identity theft disputes. Despite my repeated efforts to resolve inaccuracies resulting from identity theft, Equifax has not fulfilled its legal obligations under the FCRA. 

The following are the key issues I have encountered : Failure to Investigate Disputed Information ( XXXX XXXX. XXXX ) : I disputed inaccurate information related to identity theft on my credit report. However, they failed to conduct a reasonable investigation within the required XXXX period. 

Non-Compliance with Identity Theft Provisions ( XXXX XXXX. XXXX ) : After providing Equifax with XXXX valid identity theft report, they failed to block the fraudulent information from my credit file as required under the FCRA. 

Failure to Ensure Maximum Possible Accuracy ( XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX : There has not taken sufficient steps to ensure the accuracy of my credit report, despite being made aware of inaccuracies resulting from identity theft. 

Failure to Provide Required Notifications : Equifax did not provide timely and adequate notifications about the results of their investigation or clearly outline steps I could take to address the issue further. 

These failures have caused significant harm, including damage to my credit score, emotional distress, and financial difficulties. 

Thank you for your attention to this matter. I have attached supporting documentation, including copies of my identity theft report, dispute letters, and correspondence with Equifax, for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: CO

Complaint narrative:
I am filing a complaint against EXPERIAN for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, EXPERIAN consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, EXPERIAN actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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.

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 2025-01-24 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: MD

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX XXXX XXXX under FCRA On XXXX XXXX, I disputed an inaccurate debt on my credit report with Experian. The account is listed as belonging to XXXX XXXX XXXX, with the account number beginning # XXXX, for the amount of {$4300.00}. I formally requested verification of this account and proof of its accuracy as required by the Fair Credit Reporting Act ( FCRA ). 

Experian responded with a letter stating that the information reported by XXXX XXXX XXXX was accurate. However, they failed to provide adequate proof or documentation verifying the debt, such as : 1. How much XXXX XXXX XXXX paid to acquire the account. 
XXXX. Any specific evidence showing the validity of the debt or my obligation to pay it. 

Without such verification, Experian has not met its legal obligation to reasonably investigate and verify disputed information, as required under the FCRA ( XXXX XXXX. XXXX ). 


XXXX. I submitted a formal dispute to Experian on XXXX XXXX, providing identification and requesting documentation verifying the debt. 
XXXX. I asked Experian to delete or correct the account if it could not be verified. 
XXXX. Experian replied with a letter stating the account was accurate but did not provide the required evidence or verification to support their determination. 


Despite their response, Experian has not provided sufficient evidence to verify the accuracy of this account, which is a clear violation of the FCRA. 


I request that the CFPB investigate Experian 's failure to conduct a reasonable reinvestigation and enforce compliance with federal law. Additionally, I request that Experian be required to provide : XXXX. Documentation showing how XXXX XXXX XXXX verified the account. 
XXXX. Evidence supporting the amount and validity of the debt. 
XXXX. Information about how much XXXX XXXX XXXX purchased the account for. 

If this information can not be provided, I request that the CFPB take action to have the account removed from my credit report. 

Thank you for your attention to this matter. 

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 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Accounts were opened without authorization- accumulated a host of fees. Navy Federal then closed all existing accounts out and placed on credit as negative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX has reported numerous unverifiable items on my consumer file, including addresses, phone numbers, email addresses, hard inquiries, bank information, and direct deposit details. These inaccuracies are deeply concerning, especially as I have been affected by national data breaches. The presence of this erroneous and unverifiable information is causing significant harm to my personal and financial well-being. I am requesting the immediate removal of these items from my file, as they violate my rights under the Fair Credit Reporting Act ( FCRA ) and pose a threat to my privacy and security.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: IN

Complaint narrative:
I am writing to express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numbers of times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: TX

Complaint narrative:
I honestly dont know how else to express my frustration with the errors on my report. These mistakes are causing real, tangible harm to my score and my future. Every time I think Ive addressed the issue, it comes back to haunt me. Its draining to constantly have to fight for something as basic as an accurate report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: MN

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I feel as my credit information has been in linked out without my authorization.

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 2025-01-24 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: GA

Complaint narrative:
I am filing this complaint against Navy Federal Credit Union ( NFCU ) due to improper overdraft practices that resulted in unnecessary and excessive fees on my checking account. As a Navy Federal account holder, I believe these practices align with the allegations outlined in the CFPBs claim against NFCU regarding their overdraft fee policies. 
Specifically : 1. Unfair Overdraft Charges : NFCU allowed transactions to overdraft my account even when I did not opt in for overdraft coverage. This resulted in repeated overdraft fees, which could have been avoided if the transactions had been declined.

2. Front-End Posting vs. Back-End Processing : I used payment platforms such as XXXX and XXXX XXXX XXXX and NFCU posted these transactions to the front end of my account but delayed clearing them on the back end. This delay artificially created scenarios where my account appeared overdrawn, leading to additional fees. 
XXXX. Financial Harm : These practices caused unnecessary financial strain, as I incurred multiple overdraft fees due to the delayed processing and mismanagement of transaction posting. I believe NFCUs actions were deceptive and contrary to consumer protection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: 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 XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX States : no consumer reporting agency XXXX 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. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) 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 non-monetary relief
Consumer complaint received 2025-01-24 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: NV

Complaint narrative:
ON XX/XX/XXXX SENT OUT DISPUTE LETTERS TO DISPUTE SEVERAL ENTRIES ON MY CREDIT REPORT UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) THEN AGAIN ON XX/XX/XXXX WITH TRACKING NUMBERS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX. 
This letter directly incorporates the issues identified in the CFPB lawsuit and references your rights under the FCRA to demand compliance and corrections. 
I am writing to formally dispute inaccurate information that remains on my credit report despite previous disputes filed with your agency. The failure to correct or remove this information after my attempts to resolve it is in violation of your obligations under the Fair Credit Reporting Act ( FCRA ), as recently highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against XXXX and Experian.

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 2025-01-24 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:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/year> - At first, I received a call from XXXX, telling me that a purchase was made on my account for over {$1500.00}, using my credit card. 
The phone number used was ( XXXX ) XXXX. I was transferred to another number and told to use code : XXXX XXXX The man I spoke with named himself as XXXX XXXX XXXX and used code XXXX. 
He also had a foreign accent, possibly XXXX. 
I was asked to disconnect and immediately call back phone number ( XXXX ) XXXX. 
He spoke professional, but what he was saying did not make sense. He claimed that my account had been hacked and someone was using my credit number to make several large purchases in a total of approximately {$16000.00}. Which is more than I have in my account. After speaking for roughly an hour, he gave details of how my account was hacked and what it was for. Claiming there was a good chance that the hacker was someone working at the bank, who already had my social security number, and told me not to call the bank because I did not know who I could trust. 
Also claiming that it was most likely someone I knew from one of a few states, and named several. Someone who would know my Social Security Number. 
He then told me to go to the bank and await further instructions. I did not go, but I did call him back and asked what he expected of me once I was there. 
He responded that I was to withdraw {$9000.00} and take to XXXX XXXX, so the serial numbers on each bill could be confirmed as my own. 
After checking my accounts online, both XXXX and XXXX, I found nothing wrong and what he was saying did not make sense. 
I then insisted that he put his claim on paper, along with his signature, and mail it to me. 
He said that would take a long time, but I told him I was willing to wait. 
At which point, he hung up on me. 
Clearly, another new scam...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I do not owe this company any money they sent in a lease and a list of things that are owed that they made up but bylaw they need to send a validation of debt. I have no wet signatures and they claimed taxes and filed. They also claim I owe them water but on my lease it states I pay my own water bill with XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I did not approve this inquiry, nor did I have any conversation with this lender on the given date.

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