vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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: MS

Complaint narrative:
Subject : Formal Dispute of Negligence and Non-Compliance under 15 U.S.C. 1681o XXXX This letter serves as my formal dispute regarding your negligence and failure to comply with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically as outlined under 15 U.S.C. 1681o. Your actions or omissions have resulted in the following violations : Failure to Maintain Accurate Records : It is my position that you failed to exercise reasonable care in ensuring the accuracy of the information reported under my name and Social Security Number. This constitutes negligence as defined under the FCRA and has caused harm to my financial standing and personal reputation. 
Failure to Conduct a Proper Investigation : Despite my prior notification to you regarding inaccuracies, you failed to perform a diligent investigation within the statutory timeframe. This failure undermines the protections afforded to consumers under the FCRA. 
Negligence in Data Handling : Your lack of care in handling my personal data demonstrates non-compliance with your statutory obligations to safeguard consumer information against errors or misuse.

Demand for Immediate Action : Pursuant to the provisions of the FCRA : I demand an immediate and comprehensive investigation into the disputed information. 
I require the correction or deletion of any inaccurate or unverifiable information from my credit file. 
I request a full and detailed report of your investigation and the steps taken to resolve this matter. 

This letter constitutes your final notice to resolve this matter amicably. Failure to comply with your statutory duties will result in my seeking all remedies available under the law. 
Please respond in writing within [ specify reasonable timeframe, e.g., 30 days ] with evidence of the corrective actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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:
Subject : Formal Dispute of Negligence and Non-Compliance under 15 U.S.C. 1681o XXXX This letter serves as my formal dispute regarding your negligence and failure to comply with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically as outlined under 15 U.S.C. 1681o. Your actions or omissions have resulted in the following violations : Failure to Maintain Accurate Records : It is my position that you failed to exercise reasonable care in ensuring the accuracy of the information reported under my name and Social Security Number. This constitutes negligence as defined under the FCRA and has caused harm to my financial standing and personal reputation.

Failure to Conduct a Proper Investigation : Despite my prior notification to you regarding inaccuracies, you failed to perform a diligent investigation within the statutory timeframe. This failure undermines the protections afforded to consumers under the FCRA.

Negligence in Data Handling : Your lack of care in handling my personal data demonstrates non-compliance with your statutory obligations to safeguard consumer information against errors or misuse. 
Demand for Immediate Action : Pursuant to the provisions of the FCRA : I demand an immediate and comprehensive investigation into the disputed information. 
I require the correction or deletion of any inaccurate or unverifiable information from my credit file. 
I request a full and detailed report of your investigation and the steps taken to resolve this matter. 

This letter constitutes your final notice to resolve this matter amicably. Failure to comply with your statutory duties will result in my seeking all remedies available under the law. 
Please respond in writing within [ specify reasonable timeframe, e.g., 30 days ] with evidence of the corrective actions taken.

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 2025-01-26 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: IN

Complaint narrative:
I looked at my report XX/XX/XXXX and noticed some things are incomplete and not accurate, and according to the fair credit reporting whenever a consumer reporting agency prepare a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information the individual about whom the report relates I call them asking to reinvestigate these account listed below because the information listed on my credit reports are inaccurate. 

Collection-XXXX  XXXX Acct # XXXX Open date XX/XX/XXXX Last active XX/XX/XXXX Collection XXXX XXXX  Acct # XXXX Date open XX/XX/XXXX Last active XX/XX/XXXX This is reporting incorrectly Collection XXXX  card Acct # XXXX Date open XX/XX/XXXX Last active XX/XX/XXXX This is reporting incorrectly Collections XXXX XXXX XXXX Acct # XXXX Date XXXX XX/XX/XXXX Last active XX/XX/XXXX This is reporting incorrect I requested a description of the reinvestigation and they did not provide it to me, which is a violation of 15 USC 1681i7

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 2025-01-26 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: NJ

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 having 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 2025-01-26 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: IN

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2025-01-26 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: MA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate 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 consumer of dispute outcomes.these failures align with my experience, where Experian has neithe corrected no removed.disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesthing immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as 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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX XXXX  I made a payment of {$290.00} and since then, I have not used my card. However, I have noticed additional charges appearing on my statement that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: SC

Complaint narrative:
I pulled a copy of my credit report due to a data breach notice that I recieved and noticed the folling account listed on my credit report thats not mine and was not authorized by me the account listed needs to be removed 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 2025-01-26 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: GA

Complaint narrative:
I have submitted multiple disputes regarding accounts that I did not recognize over the course of 1 year. I have received multiple notices of companies that have had data breaches and wanted to resolve these issues listed on my credit. 1 in particular was an identity theft account in which I filed on this website the account was removed then place back on my credit report, without any prior notification in which I believe is another violation of FCRA. I called the fraud department and I was told it was verified. Experian has failed to conduct legitimate investigations to protect the consumer. This entity is for profit not 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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: CA

Complaint narrative:
I want late payments to be removed from my mortgage provider from XXXXXXXX XXXX XXXX. I was on a forbearance modification at that time and payments were stopped. And it show I have late payments all those months. And another thing. I did have XXXX missed payment in XXXXXXXX XXXX XXXX and my credit scored dropped XXXX points. How is that possible? I have never had such a dramatic drop in points like that from just XXXX late mortgage payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: FL

Complaint narrative:
My name is XXXX XXXX, and I am disputing inaccurate information currently listed on my credit report. Under the provisions of 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the release or reporting of my personal information to the entities listed below. These actions violate my consumer rights, as there is no legal basis for these entries to be associated with my name.

Additionally, my credit report contains unauthorized inquiries that I did not initiate, which may be indicative of identity theft. Pursuant to 18 U.S.C. 8, I do not owe any debt to these entities. Therefore, I am requesting the immediate removal of these items and inquiries to ensure the accuracy of my credit report. 

I expect this matter to be addressed promptly, and I kindly request confirmation once the necessary corrections have been made. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am a victim of identity theft, and I need these removed. I already made an FTC report to get these removed on all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I am a victim of identity theft, and I need these removed. I already made an FTC report to get these removed on all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Credit Reporting under 15 U.S.C. 1681e ( b ) To Whom It May Concern : I am writing to formally dispute the reporting of an account by XXXX XXXX XXXX XXXX, listed under account number XXXX, on my credit report. This account contains significant inaccuracies, and I am requesting immediate investigation and removal under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies maintain maximum possible accuracy of reported information. 

The inaccuracies in question are as follows : 1. Repeated Reaging of a Charged-Off Account : XXXX XXXX XXXX XXXX has been reporting this account as charged off on a recurring monthly basis. A charge-off is a one-time event and should not be reported as such repeatedly. This practice creates misleading and inaccurate information on my credit report. 

2. Failure to Validate the Debt : Despite multiple disputes, XXXX XXXX XXXX XXXX has failed to provide adequate validation or verification of this account. According to the FCRA, creditors are required to provide sufficient evidence to verify the accuracy of the reported information. 

3. Refusal to Issue a 1099-C : Since XXXX XXXX XXXX XXXX claims this account has been charged off, they are obligated to issue a 1099-C if the debt has been written off or canceled, as required by IRS guidelines. Their refusal to provide this documentation raises further doubts about the legitimacy of the debt.

4. Inconsistent Reporting Across All Three Credit Bureaus : The account information reported by XXXX XXXX XXXX XXXX is not consistent across all three major credit reporting agencies ( XXXX, XXXX, and TransUnion ), further contributing to its inaccuracy. 

Given these violations, I request that the following action be taken immediately : Remove this account entirely from my credit report if XXXX XXXX XXXX XXXX can not provide sufficient validation or correct the inaccuracies. 

Consider this letter a formal request under the FCRA. I expect the results of your investigation within 30 days, as required by law. Due to multiple failed dispute attempts as well as failure to validate account correctly I have escalated this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory agencies. If not handled in a timely manner this account will be involved in litigation, I will also pursue legal action to ensure my rights are protected under the FCRA. 

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 non-monetary relief
Consumer complaint received 2025-01-26 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent account name XXXX XXXX XXXXXXXX, account number XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-01-26 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account name XXXX XXXX XXXXXXXX, account number XXXX, has violated my rights.

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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:
Caused my account to overdraft has to pay a fee to reopen it back up for processing payments late

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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:
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 l 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