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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing a complaint against XXXX because has failed its legal obligation under the the Fair Credit Reporting Act ( FCRA ). XXXX failed to properly investigate my disputes regarding inaccuracies in my credit report. XXXX failed to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing evidence of a thorough investigation. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failure 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 requiring immediate corrective action, as Experians in action violates federal law and my Consumer rights. XXXX practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore Equifaxs 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 against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal Law. 
The Accounts to be Removed below Disputed Accounts/Account inaccuracies : XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Account # 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
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: CA

Complaint narrative:
I am filing a complaint against XXXX because has failed its legal obligation under the the Fair Credit Reporting Act ( FCRA ). XXXX failed to properly investigate my disputes regarding inaccuracies in my credit report. XXXX failed to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing evidence of a thorough investigation. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failure 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 requiring immediate corrective action, as Experians in action violates federal law and my Consumer rights. XXXX practice violates the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore Equifaxs 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 against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal Law. 
The Accounts to be Removed below Disputed Accounts/Account inaccuracies : XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This complaint is on behalf of XXXX XXXX XXXX against JPMorgan Chase, who has repeatedly refused to detect, prevent and recover fraud. My letter to them is below includes XXXX XXXX XXXX, which is one of several entities which held accounts at Chase, and has filed fraud claims whereas Chase blatantly lies to regulatory agencies ( and to me ) about having such claims, despite the fact that CHASE ASSIGNED THE CASE NUMBERS and I have countless emails to prove this. This is one of many blatantly false and deceptive actions Chase has taken to abuse its customers and should not be tolerated. Please find the letter attached ( I am also providing an additional attachment, showing the claim number in a Chase email to me, as well as a letter where they falsely ( lied ) claim to have no cases for this entity. * Please note that Chase 's letter indicates cooperation with my other banks- yet XXXX such banks have contacted Chase regarding fraudulent wires received by them ( which they harbored for months in money laundering accounts of a convicted criminal ) and yet, Chase never had the decency to even reply to these institutions. They are corrupt and must be handled as such. As you can easily see from the XXXX attachments, the basis of their latest excuse is easily proven false. Not only have I informed them of this after their first lie, they once again cc 'd CFPB by lying yet again. They have no credibility and need to be held accountable, in the same way XXXX  XXXX XXXX was held accountable by the OCC 's Cease and Desist of XX/XX/year>. These banks must not continue to abuse customers, causing tenfold damages beyond what customers lost in the first place. They are grossly negligent, abusive and wholly amoral. 

The CFPB must take action against Chase 's corruption, as did the OCC against XXXX  XXXX 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 — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to dispute inaccurate information on my credit report formally. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires less I am writing to dispute inaccurate information on my credit report formally. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to reinvestigate disputed items reasonably. 



Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 

Specifically, in a lawsuit against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 



As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 



I hereby request that XXXX : Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ]. 
Provide me with all documentation used to verify the accuracy of the disputed information. 
Correct or delete any information that can not be verified or is inaccurate, as law mandates. 


Given the recent CFPB findings, l expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. 


Suppose XXXX fails to comply with its obligations under the FCRA. In that case, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.

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 — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to dispute inaccurate information on my credit report formally. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires less I am writing to dispute inaccurate information on my credit report formally. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to reinvestigate disputed items reasonably.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 

Specifically, in a lawsuit against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 



As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 



I hereby request that XXXX : Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ]. 
Provide me with all documentation used to verify the accuracy of the disputed information. 
Correct or delete any information that can not be verified or is inaccurate, as law mandates. 


Given the recent CFPB findings, l expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. 


Suppose XXXX fails to comply with its obligations under the FCRA. In that case, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.

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 status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP
State: TX

Complaint narrative:
My credit card account with XXXX Bank XXXX XXXX 60 days late in XX/XX/2020 after I had made arrangements to set up an auto payment from my account that they never initiated. I've attempted to dispute since the error happened. I was never late prior to the missed payment due to their error and have not been late since, however they refuse to remove XXXX late payment from my XXXX, XXXX, and XXXX 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 non-monetary relief
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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My personal information was breached in the Equifax data breach. Adverse information was furnished to my consumer FICO report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in XXXX business days according to the FCRA

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: NY

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial 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 — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Im 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 posting of charge and credits. This issue align with the CFPB find things against Navy Federal for similar practices, we transaction settled with insufficient balances, despite initially available funds. I believe these transactions 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 2025-01-24 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: CA

Complaint narrative:
I am filing a complaint against Experian because has failed its legal obligation under the the Fair Credit Reporting Act ( FCRA ). Experian failed to properly investigate my disputes regarding inaccuracies in my credit report. Experian failed to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing evidence of a thorough investigation. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failure 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 requiring immediate corrective action, as Experians in action violates federal law and my Consumer rights. Experians practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore Equifaxs 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 against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal Law. 
The Accounts to be Removed below Disputed Accounts/Account inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding a credit reporting issue with Experian Credit Reporting, which I believe has not been investigated properly in accordance with the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I submitted a dispute about inaccurate information on my credit report regarding : Account name XXXX XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$8300.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$8300.00} written off. {$8300.00} past due as of XX/XX/XXXX. 

Account name XXXX XXXX Account number XXXX .... 
Recent balance {$1100.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$1100.00} written off. {$1100.00} past due as of XX/XX/XXXX. 

Account name XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$21000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$16000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 

Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX .... 
Recent balance {$8300.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$8300.00} written off. {$8300.00} past due as of XX/XX/XXXX. 

I provided all necessary documentation to support my claim. However, I have yet to receive a proper response, and the inaccuracies remain unresolved. 
The credit reporting agency failed to explain the specific issue to complete the investigation within 30 days, provide updates, or give a valid reason for rejecting the dispute. This lack of response and investigation has negatively impacted my credit score and ability to obtain credit. 

I am requesting that the CFPB intervene to ensure : XXXX. A thorough re-investigation of my dispute. 
XXXX. Correction of the inaccurate information on my credit report. 
XXXX. Compliance with the FCRA by the involved parties. 

Thank you for your assistance in resolving this matter. 

Sincerely, 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 2025-01-24 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: AZ

Complaint narrative:
Experience has failed to fulfill its legal obligations under the fair credit reporting act to conduct a reasonable investigation of disputed 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
statement of late has been added to my credit report with regions its been removed and plced back on my account with no verifying details.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion 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 Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion 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 dispute accounts, as Transunion '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