vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally submit a complaint regarding an inaccuracy on my credit report, which has not been resolved despite my efforts to dispute it directly with Experian and the furnisher of the information, XXXX XXXX XXXX XXXX ( XXXX ). 

The account in question, with the account number XXXX, was charged off in XX/XX/year>. However, the account is still reporting a balance of {$2400.00}, which constitutes a significant inaccuracy. According to the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 5 ), furnishers of credit information must report accurate and complete information about accounts to credit reporting agencies. A charged-off account should reflect a {$0.00} balance, as it has been written off as a loss by the creditor and is no longer considered an active obligation. 

Despite disputing this matter with Experian, they have failed to resolve the inaccuracy. They claimed to have verified the information with the furnisher ; however, the account continues to be reported incorrectly. This violates FCRA 611 ( a ), which mandates that credit reporting agencies and furnishers must conduct reasonable investigations when a consumer disputes information on their credit file. 

The continued reporting of this inaccurate information is causing significant harm to my credit profile, including potential denials of credit and higher interest rates. It is also a violation of my rights as a consumer under the FCRA. 

I am requesting the following actions from your office : Investigate the Reporting Practices XXXX XXXX XXXX XXXX XXXX ( XXXX ) : Ensure they are reporting accurate information to all credit bureaus. 
XXXX XXXX XXXX XXXX XXXX to Correct the Reporting : Update the account to show a {$0.00} balance and remove any indication of an active balance owed. 
Hold Experian Accountable for Failing to Correct the Inaccuracy : Verify that they conducted a thorough and reasonable investigation into my dispute.

I have attached copies of my credit report showing the inaccurate information, my dispute correspondence with Experian, and any responses I have received to date.

Please address this matter promptly and ensure that my rights under the Fair Credit Reporting Act are upheld. 

Thank you for your attention to this matter. If you require additional information or documentation, please contact me at XXXX ] or XXXX. 

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 explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX 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, XXXX '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 XXXX complies with federal law and provides consumers with the necessary proof of investigationXXXX XXXX XXXXXXXX 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 2025-01-25 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: AL

Complaint narrative:
I am writing to log a report against Navy Federal Credit Union in regards to multiple overdraft fees and it being reported inaccurately to XXXX XXXX XXXX and other third parties without my consent. I have a right to privacy and safety. 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 2025-01-25 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: FL

Complaint narrative:
Subject : Request for Removal of Inaccurate and Unauthorized Items from Credit Report To Whom It May Concern ( Equifax, XXXX, XXXX ) : I am writing to formally dispute several items on my credit report under the protections afforded to me by the Truth in Lending Act ( 15 USC 1666B ) and other applicable federal consumer protection laws. After thoroughly reviewing my credit file, I have identified the following inaccurate and unauthorized entries that require immediate correction and removal : XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1800.00} Collection Credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} Collection Car Insurance XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX$3100.00} Collection Phone Bill XXXX XXXX XXXXXXXX XXXX XXXX {$1200.00} Collection Furniture XXXX XXXXXXXX Reason for Dispute : I did not authorize this account. Additionally, I did not receive notification or documentation regarding the transfer or sale of this debt to a third party. 

Violation : The failure to notify me of this transfer and the inclusion of unauthorized charges directly contravenes 15 USC 1666B.

Reason for Dispute : This entry contains inaccurate information and was added without my consent. I have no record of authorizing this transaction.

Violation : As per 15 USC 1666B, charges or items appearing on my credit report without proper authorization are subject to dispute and must be removed promptly. Reason for Dispute : The information provided in this entry is inaccurate and does not reflect any authorized activity on my part.

Violation : Reporting this item without verification or proper documentation violates my rights under the Fair Credit Reporting Act ( FCRA ) and 15 USC 1666B.

Supporting Evidence : Following 15 USC 1666B, I am asserting my right to : Dispute unauthorized or fraudulent charges appearing on my credit report. 
Retain payment or acknowledgment of any such charges during the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Request for Removal of Inaccurate and Unauthorized Items from Credit Report To Whom It May Concern ( XXXX, Experian, XXXX ) : I am writing to formally dispute several items on my credit report under the protections afforded to me by the Truth in Lending Act ( 15 USC 1666B ) and other applicable federal consumer protection laws. After thoroughly reviewing my credit file, I have identified the following inaccurate and unauthorized entries that require immediate correction and removal : XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1800.00} Collection Credit card XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} Collection Car Insurance XXXX  XXXXXXXX XXXX XXXX XXXX XXXX {$3100.00} Collection Phone Bill XXXX XXXX  XXXX XXXX XXXX {$1200.00} Collection Furniture XXXX XXXX Reason for Dispute : I did not authorize this account. Additionally, I did not receive notification or documentation regarding the transfer or sale of this debt to a third party. 

Violation : The failure to notify me of this transfer and the inclusion of unauthorized charges directly contravenes 15 USC 1666B.

Reason for Dispute : This entry contains inaccurate information and was added without my consent. I have no record of authorizing this transaction.

Violation : As per 15 USC 1666B, charges or items appearing on my credit report without proper authorization are subject to dispute and must be removed promptly. Reason for Dispute : The information provided in this entry is inaccurate and does not reflect any authorized activity on my part.

Violation : Reporting this item without verification or proper documentation violates my rights under the Fair Credit Reporting Act ( FCRA ) and 15 USC 1666B.

Supporting Evidence : Following 15 USC 1666B, I am asserting my right to : Dispute unauthorized or fraudulent charges appearing on my credit report. 
Retain payment or acknowledgment of any such charges during the dispute process.

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 2025-01-25 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: NC

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX 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, XXXX '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 XXXX complies with federal law and provides consumers with the necessary proof of investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: TN

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Equifax for failing to properly investigate disputes I submitted regarding inaccurate items on my credit report. Based on my experience, it is evident that Equifax did not comply with the investigation standards required under the Fair Credit Reporting Act ( FCRA ). 
Specifically, Equifax : 1. Verified the disputed items as accurate within an unreasonably short time frame, raising concerns that a proper investigation was not conducted.

2. Failed to provide me with any proof of the debt or documentation supporting the validity of the items in question.

3. Did not adequately review or consider the evidence and supporting documents I submitted with my disputes. 

These practices have caused me significant frustration and concern, as I am unable to resolve these inaccuracies or obtain clarity on the results of their investigations. The CFPBs recent findings against Equifax further validate my concerns about their flawed processes and their lack of accountability in handling consumer disputes. 

I respectfully request the CFPB to : 1. Investigate

Equifaxs handling of my disputes and their failure to provide a reasonable and thorough investigation. 2. Require Equifax to provide clear documentation and proof supporting their verification of the disputed items or delete them.

3. Ensure that Equifax complies with FCRA regulations to protect me and other consumers from inaccurate credit reporting. 

Upstart loan- not my account XXXX XXXX- not my account XXXX XXXX- not my account XXXX - XXXX - listed twice XXXX XXXX - never late . Please remove 30 day late. 
XXXX XXXXXXXX XXXX XXXXXXXX - never late/ please remove 30 day late. 
XXXX XXXX XXXX never late/please remove 30 day late XXXX XXXX XXXX not my account. Please verify or delete from credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am following a complaint against Cash App ( Block , Inc ) due to inadequate customer and unfair practices that 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 process 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 losses. I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: FL

Complaint narrative:
My XXXX, transunion and XXXX reports are showing late payements for XXXX XXXX XXXXXXXX XXXX XXXX for account number XXXX, my loans were in deferement and should not be showing 90 days past due during XX/XX/scrub> 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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My Experian, XXXX and XXXX reports are showing late payements for XXXX XXXX XXXXXXXX XXXX XXXX for account number XXXX, my loans were in deferement and should not be showing 90 days past due during XX/XX/scrub>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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed information on my credit report of wrong social security number, wrong phone numbers, wrong addresses and names on accounts that were reported and found to be fraudulent. I asked Equifax to delete the accounts and information. They refused on some and removed some just to put them back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: FL

Complaint narrative:
Upon reviewing my credit report, I noticed that the following item ( s ) are inaccurate : XXXX / XXXX, XXXX, XX/XX/year>, {$2700.00} These inaccuracies have resulted in an unfair representation of my creditworthiness and have caused significant harm, including [ state any financial impact, emotional distress, etc. ]. I believe the responsible party has failed to follow the necessary steps to ensure accurate reporting, as required by law. 

As outlined in Section 1681o, I am entitled to dispute any information that is reported negligently. In accordance with the FCRA, I request that you take the following actions immediately : Investigate the disputed information and correct or remove the erroneous entries. 
Provide me with a copy of the corrected credit report reflecting the updates to the disputed items. 
Confirm in writing that the necessary corrective actions have been taken and explain the steps you have taken to ensure compliance with the FCRA in the future. 
I expect that this dispute will be resolved in a timely manner, as required under the FCRA, and that my credit report will be updated to reflect the accurate information. Should you fail to comply with the FCRAs requirements, I will not hesitate to pursue further action to enforce my rights, including seeking damages under Section 1681o for negligent noncompliance. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the issues have been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: TN

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: OK

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: OR

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 explanation
Consumer complaint received 2025-01-25 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: GA

Complaint narrative:
It has come to my attention that my personal informations has been exposed in the national data Breach. Reviewing my credit report I noticed some accounts that I am not familiar with. I have ask CRA for a validation of Debt, however the information has not been provided. Due to my informations being exposed, I have submitted the FTC complaint Reporting the informations I am not familiar with. Please find the attached of my ID, FTC complaint, and data breach report showing my information being exposed.

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 2025-01-25 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: FL

Complaint narrative:
Upon reviewing my credit report, I discovered this unauthorized collection that i do not recognize. I contacted the credit bureaus to dispute this collection and requested their removal. Unfortunately, the credit bureaus refused to remove them off of my report. This issue is causing undue stress and is negatively affecting my financial standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: TX

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

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate. ( XXXX XXXX ), ( XXXX XXXX XXXX. )

Company response to consumer: Closed with non-monetary relief