vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have noticed what Experian has placed on and done to my credit report/ FICO from XX/XX/XXXX up until now XX/XX/XXXX Score. Not even within 2 months, I have noticed that Experian has dropped my FICO/ Credit score significantly and I do mean significantly by XXXX points. Causing my FICO score as well as my credit score to drop. Although I have reached out to a company on my report by the name of XXXX XXXX and spoke with a rep the rep stated that they have corrected this error/ problem and that it's Experian who are the ones to correct/ fix this on my report now. 

I do not believe this is incorrect or not right by ***LAW* according to the CFPB website. Even when a hard pull is done which I have had within the last month or so this still would not cause my score to lose over XXXX points this is outrageously ridiculous, and I would like this error fixed/ corrected ASAP. Or there will be further actions taken against Experience regarding this matter.

My FICO score as well as my credit score was very close to XXXX and out of nowhere, Experian decided to knock off a BIG XXXX points without even doing an investigation *The Right Way*** I have even noticed that when filing a dispute how very quick Experian seems to have results ready for me within less then 2 weeks. This is an indication to me that someone is either NOT doing their job correctly when I file disputes or breaking the LAW by just deducting points from my score. I have provided my Experian number below along with my contact information for someone to get this matter resolved ASAP. Or I will be forced to join in the **Lawsuit** that is already against Experian regarding the same matter. 

I have even reached out to Experian support help via email regarding this matter and still no reply/ response. My score went from being close to XXXX and now down to XXXX this is insanely crazy and may I add in such a very short period wow. Also, I noticed that Experian has yet to update my payment info regarding my ***XXXX XXXX*** Account which is in good standing/ payments but Experian still has this showing on my report as ***LATE** when it is NOT Late

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have requested the removal of both bankruptcies from my Experian credit report five times. I have sent certified letters and submitted disputes through the Experian dispute portal. However, within 24 hours, the response indicated that I couldn't dispute the information and that it would remain on my credit report. 

On XXXX XXXX XXXX, I provided proof from XXXX XXXX and I just received another letter on XXXX XXXX XXXX, from XXXX XXXX confirming that both bankruptcies were removed from their reports. I have submitted all the necessary documents that Experian requires. Additionally, the registration page of my Experian credit report states that they obtain their information from a third party, which is 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 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: IL

Complaint narrative:
cease and desist According to the Fair Debt Collection Practices Act, specifically 15 U.S. Code 1692c, this is my formal declaration to terminate and cease all communication from you in regards to the debt you are attempting to collect.

In response to this Ceasing Communication letter, in accordance with the Federal Fair Debt Collections Act, you may only contact to inform me that there will be no further collection efforts or to notify me that a specific action will take place.

Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act. In addition, any third ( 3rd ) party that you use to coerce the collection of this debt shall also be in violation of

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: VA

Complaint narrative:
I am writing to formally file a complaint regarding multiple over draft fees applied on my account. These fees were assessed despite having sufficient funds available at said times transactions were authorized. Due to delayed posting of charges and credits I was unfairly charged over draft fees. 
These issues seem consistent with recent findings from the CFPB which identified similar practices by Navy federal credit Union where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices to be deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX INQUIRY : XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-22 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:
Experian has failled to fulfill its legal obligations under the fair credit reporting Act ( FCRA ) to conduct a reasonnable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts on my credit report. The CFPB 's ongoing legal action against Experian highlights systemic failures in their dispute-handling process such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and not adequately notifying the consumer about the dispute outcomes with verified evidences. My experience aligns with the allegations that Experian routinely performs sham investigations, further supporting my claim. Despite multiple attempts to resolve these issues, Experian continues to report erroneous and harmful information in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Experian responded that the accounts were verified, but no supporting documentation or proof of investigation was provided, as required by FCRA 1681i ( a ) ( 6 ). I am requesting immediate corrective action to remove or amend the disputed accounts, as these inaccuracies have negatively affected my ability to secure housing, loans, and other financial opportunities. 
As a consumer, my constitutional rights to equal access to credit and housing are being compromised due to Experian 's failure to ensure accuracy.

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 2025-01-22 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: GA

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. 
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 non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
They removed a collection off my credit and 2 months later put it back on its insane how they are ruining my life

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 2025-01-22 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: FL

Complaint narrative:
My dispute can not be turned into a 30 day dispute and must be removed within 4 days under Section 605 B. My identity has been stolen. These accounts are a result of identity theft and must be deleted immediately.

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 2025-01-22 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:
My dispute can not be turned into a 30 day dispute and must be removed within 4 days under Section 605 B. My identity has been stolen. These accounts are a result of identity theft and must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2025-01-22 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: CA

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2025-01-22 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: PA

Complaint narrative:
I am writing to formally file a complaint against Equifax for failing to properly investigate the inaccuracies on my credit report, despite my numerous attempts to resolve this issue. Each time I dispute an item, I receive a response within 24 hours stating that my account is " correct and accurate, '' with no supporting evidence or explanation of the investigation process. This practice is not only frustrating but also a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies like Equifax to conduct thorough investigations of disputes, report the results to the consumer, correct any inaccuracies found, and ensure that the information reported is accurate and up-to-date. Your company 's failure to provide proof of an actual investigation and merely dismissing my disputes without substantiation is a clear breach of these obligations. Furthermore, this behavior is contradictory to the Consumer Financial Protection Act, which mandates that credit reporting agencies take adequate steps to ensure the accuracy of the information they report, particularly when there are concerns about fraud or data breaches. Given that my personal information may have been compromised due to a data breach and fraudulent activity, your company is required to remove any inaccurate or unauthorized accounts from my report. Instead of providing meaningful action or evidence that a proper investigation has been conducted, your responses continue to disregard these concerns, showing no regard for the protections offered under these federal laws. I request that the CFPA take immediate action to ensure that all inaccuracies related to my information are removed from your records and that Equifax is held accountable for these failures. Additionally, I demand that any accounts impacted by a breach or fraudulent activity be removed from your database immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
XX/XX/scrub>XXXX tried to contact them about this but they was real disrespectful, kept asking me to give them a reference number

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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:
Experian has failed to fulfill its leg obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonab reinvestigation of disputed inforn 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
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
My money was unprotected when being sent from Zelle. The proper identification for sending money to the correct person was not an option on the platform to prevent my money from being sent to the wrong entity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
My personal information has been inaccurately linked to my former spouse and his parents. Specifically : 1. Their address has been incorrectly associated with my credit file.

2. Personal details that do not pertain to me have been added, creating confusion and inaccuracies in my report.

This information is not only incorrect but has also affected my personal credit record and privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: MN

Complaint narrative:
I am filing a complaint against Equifax for failing t0 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CORELOGIC INC
State: TX

Complaint narrative:
I am requesting the immediate removal of all outdated and incorrect information from my CoreLogic Credco consumer report. Specifically, accounts from the years XXXX to XXXX that exceed the legally permissible reporting timeframe under 15 U.S.C. 1681c ( a ) of the Fair Credit Reporting Act ( FCRA ). These outdated entries should no longer appear on my report, and I expect all necessary corrections to be made promptly.

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