vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 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: MI

Complaint narrative:
Experian Dispute Resolution Department XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Credit Report Entries FCRA Violation To Whom It May Concern, I am writing to formally dispute inaccurate information that remains on my Experian credit report, despite multiple previous disputes. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), Experian is required to investigate disputes thoroughly and ensure the accuracy of consumer credit reports. However, I have found that Experian has failed to meet its obligations under the following FCRA provisions : 1. FCRA 611 Dispute Resolution : Experian is required to conduct a reasonable investigation into disputed information. However, I have disputed the following accounts multiple times, yet they remain inaccurately reported without proper verification or correction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Charged-off amounts remain despite dispute XXXX XXXX ( Account # XXXX ) Inaccurate reporting of charge-off and balance XXXX XXXX XXXX ( Account # XXXX ) Incorrect charge-off and past due balance XXXX XXXX XXXX XXXX ( Account # XXXX XXXX Failure to verify accuracy of charge-off 2. FCRA 605 Accuracy of Consumer Reports : Information must be complete and accurate, yet these accounts still contain outdated, incomplete, or unverifiable information that negatively impacts my credit.

3. FCRA 623 Responsibilities of Furnishers : The data providers for these accounts must ensure accuracy and properly investigate disputes, but Experian has continued reporting these errors even after previous disputes.

4. FCRA 607 Compliance Procedures : Experian is required to maintain reasonable procedures to ensure maximum accuracy, yet it has failed to properly review the validity of the disputed accounts.

I demand that Experian take immediate corrective action, including : Removing the disputed accounts unless full verification can be provided which full transparency either USPS certified mail and or upload on this portal I give you full authorization to do so.

Providing documentation verifying the accuracy of each account.

Updating my credit file to reflect the deletion status of the accounts.

Failure to comply with these legal obligations may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and legal action under 15 U.S.C. 1681n and 1681o, which allow for statutory damages and attorney fees for non-compliance. 

I expect a resolution within 30 days, as required by the FCRA. Please send a written response confirming the actions taken. 

Sincerely, XXXX XXXX XXXX : Executor

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 2025-02-02 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 submitted a dispute to Experian regarding the accuracy and verification of an account listed on my credit report : XXXX XXXX - XXXX. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 7 ), credit reporting agencies are required to provide a detailed description of the investigation process they conduct when a consumer disputes an account. However, Experian has failed to provide such a description within the required 15-day period.

Additionally, I identified discrepancies between Experian 's report and those from other credit bureaus, raising concerns about the accuracy and completeness of the information being reported. Despite my request, Experian has not provided documentation proving that the original creditor manually verified the account, as required under FCRA 15 U.S.C. 1681g and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Furthermore, since Experian has been unable to properly verify this account, per 15 U.S.C. 1681i ( 5 ), the account should be deleted. Experians continued reporting of unverifiable information constitutes a violation of the FCRA and damages my credit profile unjustly.

Experian 's failure to comply with its obligations has caused me financial and reputational harm, as inaccurate information remains on my report despite clear legal mandates requiring its removal if it can not be verified.

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 2025-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: MA

Complaint narrative:
signed up for a offer and complied with all requirements and they didnt fulfill the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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:
I called and mailed in requesting procedures used to confirm several false accounts on my report XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX I was informed they did not actually investigate the issue they only ask the company reporting the false information to confirm what they had. This is a violation of my rights under the FCRA. This is the 6th time I have requested an investigation on this issue. Each time I requested procedures used to confirm the false information and it has yet to be given. This false information has been causing major problems and is defamatory to my character as this information is untrue. and the failure to properly investigate and remove this false information and assure maximum accuracy of my credit report is grounds for a lawsuit. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

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 2025-02-02 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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute an accurate information on my credit report that I believe is harming my financial well-being. Im aware of my rights under the fair credit reporting act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the consumer financial protection , Bureau filed a lawsuit against Experian for its failure to properly, investigate, consumer, disputes, citingsham investigations, and other unlawful practices. These practices, as outlined by the CFPB include : Conducting inadequate investigations it feel to address consumer disputes properly.

Reinserting previously disputed and an accurate information without explanation. Failing to notify consumers about investigation report results effectively.

These allegations highlight system issues that directly undermine consumer protection and perpetuate the inclusion of an inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

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 2025-02-02 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: FL

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 posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I 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 2025-02-02 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: WV

Complaint narrative:
My student loan account with XXXX appears on my TransUnion credit report twice. Please see pages XXXX and XXXX of the attached report. This makes it appear as though I owe double the amount that is actually owed. I have ONE student loan account with XXXX, not two. One of the entries needs to be deleted from my report. I have attached my ID, my social security card, and a recent utility bill to verify my identity.

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 2025-02-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I have 2 American Express Reward prepaid cards, each with {$100.00} on them, that expired XX/XX/XXXX. I received these as a XXXX gift, XX/XX/XXXX, and did not realize there was an expiration date on them. Today is XX/XX/XXXX. I called the customer service line and spoke with multiple people asking to get new cards issued. Every person said the funds were expired, there was now a {$0.00} balance, and there was nothing they could do.

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

Complaint narrative:
I am writing to notify you of Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681 violations on my credit report and to request the immediate correction of these errors. 
XXXX. XXXXXXXX XXXX XXXX  Account number ; XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXXXXXX XXXX  XXXX. 
account number : XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXX. XXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXX. XXXX XXXX XXXX XXXX Account number : XXXX XXXX. XXXX Account number : XXXX The FCRA mandates that all information reported on my credit file must be accurate, verifiable and in compliance with the law.

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 2025-02-02 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: VA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Accounts : 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
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
According to 15 U.S.C 1681 17 u have to prove to me these account are mine. They should not be reporting because i have no knowledge of them so it shouldnt be verified please remove this immediately before i take further action. 
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 2025-02-02 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: OH

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary 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 non-monetary relief
Consumer complaint received 2025-02-02 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 Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary 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 2025-02-02 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: FL

Complaint narrative:
I submitted a dispute to TransUnion regarding an inaccurate account reported on my credit file, specifically a XXXX XXXX account with discrepancies across the three major credit bureaus. Under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), TransUnion is required to provide a detailed description of the investigation procedures conducted in response to a consumer dispute within 15 days of receipt.

Despite my formal request, TransUnion has failed to provide a sufficient description of their investigative process, violating my rights under the FCRA. The account remains inaccurately reported with the following inconsistencies across TransUnion, Equifax, and Experian : Different account balances across bureaus.


Conflicting last reported dates and date of last payment information.

Varying past-due amounts and payment status.

These discrepancies indicate that TransUnion did not conduct a reasonable investigation as requir

ed by 15 U.S.C. 1681i ( a ) and failed to ensure maximum possible accuracy in my credit report, violating 15 U.S.C. 1681e ( b ). Furthermore, if TransUnion can not properly verify this account, they are legally required to delete it under 15 U.S.C. 1681i ( a ) ( 5 ). This lack of compliance has harmed my creditworthiness and financial standing.

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 2025-02-02 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary 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 2025-02-02 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:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary 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