vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 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: SC

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 2025-02-16 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: NJ

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, Transunion & Experian 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. XXXXXXXX XXXX XXXXXXXX

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 2025-02-16 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to follow up on my formal dispute regarding multiple fraudulent accounts on my credit report, as outlined in my previous correspondence. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Identity Theft and Assumption Deterrence Act, I have notified all major credit bureaus, including Experian, TransUnion, and Equifax, of these fraudulent accounts and have formally requested their immediate removal. Despite this, appropriate action has yet to be taken. 

Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reported Balance : {$2000.00} Credit Limit : {$1500.00} Status : Closed I have formally disputed these accounts with the credit bureaus, as required under the FCRA, and requested their removal. However, the bureaus have failed to take the necessary corrective action within the legally required timeframe. I request the CFPBs intervention to ensure full compliance with the FCRA and the immediate deletion of these accounts from my credit file. 

Concerns Regarding Data Breaches Additionally, I continue to receive reports of data breaches involving major credit bureaus and financial institutions, including Experian, TransUnion, and other related companies. These breaches raise serious concerns about the security of my personal and financial information, further underscoring the urgent need for corrective action. 


Thank you for your attention and prompt action.

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 2025-02-16 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 am writing to formally dispute inaccurate and inconsistent information being reported on my credit file regarding the XXXX account. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, furnishers are required to report accurate and consistent information to all credit bureaus. However, the information regarding this account varies between bureaus, indicating a violation of my rights. 

Additionally, under 15 U.S.C. 1681i, I have requested multiple reinvestigations, yet they continues to report the account as " verified '' without providing adequate proof of validation. This failure to properly investigate and correct these discrepancies is causing unjust harm to my credit profile. 

Due to these violations and the inconsistent reporting of this account, I formally demand that Experian delete the XXXX account from my credit report immediately. If this issue is not resolved, I will explore further action to enforce my rights under federal law. 
I also need a writing reply mail to me of how you reinvestigate who and the process name of who did it Please provide a written confirmation of the deletion within 30 days, as required by the FCRA. 
PS : I attached The Evidence of the inaccuracies

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 2025-02-16 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: DE

Complaint narrative:
As per the guidance of the Consumer Financial Protection Bureau ( CFPB ) the document needed and letter from and advocacy group helping me due XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXX  DEBT FINAL RULE 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you block this information within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed to be blocked and deleted company information. Transunion please delete the following accounts XXXX XXXX  Installment account with account # XXXX XXXX Installment account with account # XXXXXXXX XXXX  Revolving account with account # XXXXXXXX XXXX  Installment account with account # 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 2025-02-16 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: NY

Complaint narrative:
My personal and financial information was compromised without my authorization. 

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: PA

Complaint narrative:
The CFPB has sued XXXX for unlawfully failing to properly investigate consumer disputes. XXXX has violated the FCRAs requirements for handling disputes by Conducting sham investigations that fail to properly address consumer disputes and Improperly reinserting inaccurate information on consumer reports. 

The CFPB also discovered that XXXX ignored consumer documents and evidence submitted with disputes and is suing them for {$15.00} million in damages. XXXX has allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers. I believe TransUnion is in violation of similar federal laws.

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 2025-02-16 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: CA

Complaint narrative:
hi, i was a victim of identity theft and some one open credit cards and bank accounts with my information I reported to the police and got a report it has ben frustrating seeing this fraudulent accounts on my credit and having to dispute them with the credit bureaus several times in till there removed from my report but there's some accounts even sending all the supporting documents there still come back as accurate I don't know why this banks don't want to removed them even with all the proof in the paper work that the accounts are fraudulent, they have diferent address and phone number like this one. 
XXXX XXXXXXXX XXXX ACCOUNT # XXXX BALANCE -- XXXX. 
I need this account remove from my report as soon as possible. 
thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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:
( 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 and54 financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: CA

Complaint narrative:
Upon reviewing my consumer reports, I discovered some instances of late payments on an account for which I have always maintain timely payments. Consumer reporting Agencies play a crucial role in accurately reporting consumer information. According to US 15 Cod1681e - Compliance procedures ( b ) Accuracy of report. Its is imperative that this information be reported with utmost accuracy. I have always made my payment on time and if I would of went this long as my report states I would of lost everything by now. I never missed a payment on any of the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I request a thorough investigation into these discrepancies and urge to provide evidence, such as statements demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly update to reflect there true status as on-time and have consistently upheld my payment obligations without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX I am filing this complaint about an incorrect item on my credit that is affecting my credit negatively. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

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 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information on my XXXX credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ) 1681o. The following account is incorrect and should be permanently deleted from my credit file : Creditor Name : Best Buy Account Number : XXXX This account is either inaccurate, outdated, or unverifiable, and therefore, I am requesting its permanent removal from my credit report. Under the FCRA, XXXX is required to investigate and either verify the accuracy of the account or delete it if it can not be verified. 

Please complete your investigation within 30 days as required by law and provide me with written confirmation of the results. If this account is not removed, I request a detailed explanation of the verification process, including the source of verification. 

Attached, you will find a copy of my identification ( XXXX ) to verify my identity. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide a written response to my address above. 

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 2025-02-16 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: PA

Complaint narrative:
The CFPB has sued XXXX for unlawfully failing to properly investigate consumer disputes. XXXX has violated the FCRAs requirements for handling disputes by Conducting sham investigations that fail to properly address consumer disputes and Improperly reinserting inaccurate information on consumer reports. 

The CFPB also discovered that Equifax ignored consumer documents and evidence submitted with disputes and is suing them for {$15.00} million in damages. Equifax has allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers. I believe XXXX is in violation of similar federal laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: WA

Complaint narrative:
My chime secured credit builder card was stolen and XXXX plus dollars was stolen and used with XXXX rides and I even talked to XXXX and they looked into it and said that it was used by some one who was not me and they blocked the persons account. When I disputed the first time with chime, they didn't even investigate before immediately denying my dispute, so I opened a rebuttal and provided the conversation with XXXX that proved my card was being used by someone else. And I spoke to 2 different dispute agents that both agreed that I have provided enough information to satisfy the investigation team and said I would be getting my money back, only for them to decline it again!!! When I called back they said they were not going to reopen it unless I had new information and I told them I uploaded literal proof how can they deny me? I need that money to survive. It was all my income for the month and they are wanting to fight me on giving it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX FL XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, Re : Request to Block and Delete Fraudulent Accounts due to Identity Theft under 15 USC 1681c-2 ( a ) I am writing to inform you that I am a victim of a data breach which has led to the theft of my personal information. Due to this breach, fraudulent accounts have been opened in my name without my authorization.

Pursuant to 15 USC 1681c-2 ( a ), I am formally requesting that Equifax block and delete all accounts identified as fraudulent from my credit report. Enclosed with this letter are copies of my identity theft report and other supporting documents required to verify my identity and to assist in the resolution of this matter. 

I request that you respond to this letter confirming the blocking and deletion of the fraudulent accounts from my credit report within the statutory timeline provided by the Fair Credit Reporting Act ( FCRA ). I further request a free, updated copy of my credit report once these changes have been made, to ensure accuracy. 

This letter follows my repeated attempts to dispute the following account ( XXXX ) on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please find attached : XXXX. A copy of my government-issued ID. 
XXXX. A copy of the identity theft report. 
XXXX. Copies of relevant documents proving the accounts are fraudulent. 

Thank you for your prompt attention to this serious matter. I expect your immediate action in removing the fraudulent accounts. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX FL XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, Re : Request to Block and Delete Fraudulent Accounts due to Identity Theft under 15 USC 1681c-2 ( a ) I am writing to inform you that I am a victim of a data breach which has led to the theft of my personal information. Due to this breach, fraudulent accounts have been opened in my name without my authorization.

Pursuant to 15 USC 1681c-2 ( a ), I am formally requesting that Equifax block and delete all accounts identified as fraudulent from my credit report. Enclosed with this letter are copies of my identity theft report and other supporting documents required to verify my identity and to assist in the resolution of this matter. 

I request that you respond to this letter confirming the blocking and deletion of the fraudulent accounts from my credit report within the statutory timeline provided by the Fair Credit Reporting Act ( FCRA ). I further request a free, updated copy of my credit report once these changes have been made, to ensure accuracy. 

This letter follows my repeated attempts to dispute the following account ( XXXX ) on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please find attached : XXXX. A copy of my government-issued ID. 
XXXX. A copy of the identity theft report. 
XXXX. Copies of relevant documents proving the accounts are fraudulent. 

Thank you for your prompt attention to this serious matter. I expect your immediate action in removing the fraudulent accounts. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: AZ

Complaint narrative:
I ask for information on the follow accounts XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX, XXXX. 
{$710.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$75.00} I never heard back from Experian. Nothing was done to verify these are my accounts.

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 2025-02-16 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: PA

Complaint narrative:
The CFPB has sued Experian for unlawfully failing to properly investigate consumer disputes. Experian has violated the FCRAs requirements for handling disputes by Conducting sham investigations that fail to properly address consumer disputes and Improperly reinserting inaccurate information on consumer reports. 

The CFPB also discovered that XXXX ignored consumer documents and evidence submitted with disputes and is suing them for {$15.00} million in damages. XXXX has allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers. I believe XXXX is in violation of similar federal laws.

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