vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: OH

Complaint narrative:
I am filing this complaint because a credit bureau is reporting inaccurate information on my credit file that should have been deleted. This information was previously disputed and either resolved or agreed to be removed by the creditor. However, the credit bureau continues to report it, which is a violation of the Fair Credit Reporting Act ( FCRA ). Under Section 611 ( a ) ( 5 ) ( A ), credit bureaus are required to delete or modify information that is inaccurate or unverifiable. The bureau has failed to comply with this obligation, and this is negatively impacting my credit score and financial standing. I request the CFPB 's assistance in ensuring that this information is permanently deleted from my credit file and that the credit bureau adheres to the legal requirements set forth in the FCRA. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: MI

Complaint narrative:
I am writing to inform you that my identity has been compromised, and I have become a victim of identity theft and fraud. I recently discovered unauthorized charges on my credit card statements, accounts being opened in my name without my consent, and suspicious activity on my credit report. 

I have taken immediate steps to protect my personal information and have reported the fraudulent activity to the relevant authorities, including the credit bureaus, my financial institutions, and the Federal Trade Commission. I have also placed a freeze on my credit reports to prevent any further unauthorized access.

I am reaching out to you as a precautionary measure, as I believe that my personal information may have been compromised through [ explain how your information may have been exposed, such as a data breach, phishing scam, etc. ]. I urge you to review your own accounts and credit reports for any signs of suspicious activity and to take necessary precautions to safeguard your personal information.

I apologize for any inconvenience this may cause you, and I appreciate your understanding and cooperation in this matter. If you have any questions or concerns, please do not hesitate to contact me. 

Thank you for your attention to this matter. 
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 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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: AL

Complaint narrative:
I have requested Experian to investigate the collections on my credit. However they have not properly invested my dispute.

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 2025-01-27 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:
I was alerted by a lender that I reached out to me regarding an application that I've submitted for a credit line increase. The lender told me upon pulling my Experian Credit Report that Experian had placed a special message that only lenders can only see that my credit file is potentially fraud. 

The lender said they didn't see the standard fraud alert that consumers have the option of placing on your file. They asked me did I place an alert and I '' ve indicated I didn't have such a thing on my report. 

Upon review of my request the lender was XXXX percent confident that this was a message to deter lenders from making positive credit decisions in my favor and that this was very sneaky and a hidden tactic that Experian practices with certain consumer files. 

The only reason the lender shared the information with me was because I've had a long positive history and relationship with the bank. The lender told me I should contact Experian directly which I did today XXXX XXXX and told me to file a complaint with the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am 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 2025-01-27 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: AZ

Complaint narrative:
On XX/XX/XXXX, the XXXX issued an order against Navy Federal Credit Union, headquartered in XXXX, Virginia. Navy Federal is the largest retail credit union in the United States, with more than XXXX XXXX members with ties to the XXXX XXXX Department of Defense, or XXXX XXXX and their families. The Bureau found that, from XXXX through XXXX, Navy Federal engaged in unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 when it charged overdraft fees on debit-card purchases and ATM withdrawals when consumers accounts had insufficient funds at the time the transactions settled even though they had sufficient funds when they made the transaction. Navy Federal knew members were not likely to understand these unanticipated overdraft fees. The Bureau also found that, through XX/XX/XXXX, Navy Federal engaged in unfair acts and practices by charging overdraft fees when it delayed in posting credits to members accounts from funds received through person-to-person payment networks, even though those funds appeared to members to be available for immediate use. The order prohibits Navy Federal from charging either overdraft fee and requires it to pay at least {>= $1,000,000} in consumer redress and a {$15.00} million civil money penalty, along with {$250000.00}, FDIC INSURED in the closing of the consumer 's account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I submited letters cia certified mail and dispute information. Asking for XXXX on all closed accounts, delete unverified information after doing reverification.I must also bring to your attention that XXXX is currently facing a lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which alleges systemic mishandling of credit report disputes and failure to ensure the accuracy of information. This ongoing legal matter underscores the gravity of XXXX 's responsibility to maintain accurate consumer records. 
In light of these circumstances, I respectfully request the following : An immediate investigation into the inaccuracies in my credit report. 
The correction or removal of the incorrect information from my file. 
Written confirmation of the changes made to my report. 
Compensation for the damages incurred due to the erroneous information.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I submited letters cia certified mail and dispute information. Asking for XXXX on all closed accounts, delete unverified information after doing reverification.I must also bring to your attention that XXXX is currently facing a lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which alleges systemic mishandling of credit report disputes and failure to ensure the accuracy of information. This ongoing legal matter underscores the gravity of XXXX 's responsibility to maintain accurate consumer records. 
In light of these circumstances, I respectfully request the following : An immediate investigation into the inaccuracies in my credit report. 
The correction or removal of the incorrect information from my file. 
Written confirmation of the changes made to my report. 
Compensation for the damages incurred due to the erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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:
am filing a complaint against TransUnion for failing to properly investigate disputes regarding inaccuracies on my credit report. Despite submitting multiple dispute requests, TransUnion consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice appears to violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). This was highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against XXXX for similar violations XXXX I respectfully request that the CFPB take appropriate action to ensure that XXXX complies with federal law by conducting proper investigations and providing consumers with the necessary proof of such investigations. This is the account I've marked as inaccurate 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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX inquiry i did not apply for credit with these compainies.

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 2025-01-27 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:
This is a follow-up to my previous complaint regarding the improper reinsertion of a XXXX XXXX XXXXXXXX account XXXX Account XXXX XXXX ) on my Experian credit report. Despite filing my initial dispute on XX/XX/year>, Experian has failed to take corrective action or provide a satisfactory response. The account in question was confirmed as removed in a " Dispute Results '' letter dated XX/XX/year>. However, as of XX/XX/year>, the account was reinserted without proper notification, in clear violation of the Fair Credit Reporting Act ( FCRA ). To date, Experian has not provided any evidence of new, verifiable information to justify the reinsertion of this account, as required under 15 USC 1681i ( a ) ( 5 ) ( C ). Furthermore, I have not received the mandatory written notification within five business days of reinsertion, as required by 15 USC 1681i ( a ) ( 5 ) ( B ). This demonstrates blatant disregard for federal law and highlights Experian 's failure to maintain reasonable procedures to ensure accurate credit reporting, violating 15 USC 1681e ( b ). Experian 's lack of accountability and transparency has caused significant harm to my financial reputation. I demand immediate action, including the removal of the reinserted account from my credit report, an explanation and documentation of any evidence used to support the reinsertion, and a written confirmation of the accounts deletion along with an updated credit report reflecting this correction. Additionally, I expect a detailed explanation of how Experian intends to prevent such violations from recurring. This is a serious issue, and if Experian continues to ignore its legal obligations under the FCRA, I will escalate this matter further. I expect swift resolution without further delays.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
This account was closed from the apartment and this should not be on my account because it was closed with the apartment manager

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
on XX/XX/year> I went into XXXX XXXX  XXXX on XXXX and XXXX XXXX I purchased a cashier check for XXXX I went after receiving checks to the navy federal atm on XXXX and Michigan at the XXXX XXXX  I tried to deposit but it was returned because the amount was to large so on XX/XX/year> I took that same cashier 's check for XXXX back tXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX it down to XXXX XXXX dollars checks I received my checks and took them once again to XXXX Michigan XXXX XXXX XXXX XXXX  atm for navy federal on XX/XX/year> XXXX received a message my account was restricted for check fraud I then filed an appeal sent them my bank transaction statement along with both receipts from cashier 's checks and a statement explaining what happen and the phone number for the bank asking them to verify the check with my bank and on XX/XX/year> I received a message from XXXX XXXX  stating the XXXX stands but they never even tried to cash or verify funds i now have a false accusations of fraud on my record and i would like to have that removed before it has a negative effect on my life i am in the process of buying a house and this could affect my loan applications

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
CFPB XXXX First, I went to get the complaint form, and the employee asked me to state the complaint information, saying that I had stated it XXXX times and they said I met the bonus requirements! But not giving me the bonus is a liar, its a fraud! Their employees themselves admitted that they have evidence! Second, they deceived me again on my complaint form that day and did not submit it! They deceived me again, and I have evidence! Third, the employee told me that I could get the bonus that day, which was the fourth deception! Fourth, they deleted my account without my signature! XXXX, I was given XXXX less reward for participating in the XXXX deposit event! These are all facts, and I stated the process of their deception. Is this considered scolding? I need them to bear the legal responsibility for defrauding and defaming me!

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 2025-01-27 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally report an ongoing issue I have been dealing with for the past two years regarding fraudulent accounts on my credit report. Despite my consistent efforts to resolve this matter, I am still being held responsible for accounts that were opened in my name without my authorization.

I have been in contact with the creditors and credit bureaus repeatedly over the past two years, explaining that the accounts in question are not mine and were opened fraudulently. I have provided documentation, including identity theft reports and police reports, to support my claims, but the issue remains unresolved. These fraudulent accounts continue to appear on my credit report, severely affecting my credit score and financial wellbeing.

I request that the CFPB intervene to help ensure these fraudulent accounts are properly investigated and removed. I am seeking assistance in ensuring that my rights are protected and that the proper steps are taken to address the fraudulent activity on my credit file.

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation