vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
**Subject : Complaint Against XXXX, Equifax XXXX XXXX with CFPB and Identity Theft Report** To Whom It May Concern, I am submitting a formal complaint against XXXX through the Consumer Financial Protection Bureau XXXX CFPB ). Additionally, I have filed an identity theft report with the Federal Trade Commission ( FTC ) to address issues surrounding my credit report and unauthorized disclosures of personal information. 

XXXX XXXX : ** - **Account Number : ** XXXX - Over the years, I have made numerous attempts to correct inaccuracies on my credit report. This includes submitting updated information via letters dated XX/XX/XXXX, and XX/XX/XXXX, as well as making multiple phone calls to XXXX to ensure my information is current and accurate. 
- Despite these efforts, my credit report continues to show incorrect details, including an address I have not lived at for years. 

**Identity Theft Report Filed : ** I have completed an identity theft report with the Federal Trade Commission XXXX FTC ) to address potential unauthorized activities associated with my personal information. 

**Specific Concerns : ** XXXX. **Disclosures Without Permission : ** I have spoken with my lenders, including XXXX XXXX, advising them that they did not have my permission to disclose late payment information, as this is not public knowledge. These disclosures are in direct violation of 15 U.S.C. 6802, which requires my consent before sharing non-public personal information. 
XXXX. XXXX XXXX XXXX : ** I have contacted the Department of Education requesting the removal of my student loans from my credit report, as this information is severely damaging to my financial stability. 

**Impact on My Life : ** I am a mother of XXXX, and the inaccurate and damaging information on my credit report has caused significant hardship : - I have been declined rental opportunities for apartments near my childrens school due to my credit history and debt-to-income ratio. 
- As a result, I currently drive four hours daily to get my children to and from school, which has caused me physical and mental strain, including XXXX. 
- My poor credit report has led to multiple credit denials, further limiting my ability to provide for my family. 

**Request for Resolution : ** I am seeking immediate assistance to correct my credit report, remove inaccurate information, and address the violations of federal laws related to the handling and disclosure of my personal and financial information. The continued inaccuracies and unauthorized disclosures are significantly impacting my life and wellbeing. 

Please assist me in resolving this matter promptly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: LA

Complaint narrative:
Dispute of Late Payment Reporting** **Subject : Dispute of Information on Consumer Report** Dear Sir/Madam, I am writing to formally dispute the late payments being reported on my consumer credit report. Upon reviewing my file, I have identified that late payment information is being inaccurately reported, and I am requesting its immediate removal. 

Under the provisions of 15 U.S.C. 1681 ( a ) ( 2 ), I understand that certain information regarding transactions or experiences between myself and creditors, particularly where the reported information is incomplete, outdated, or inaccurate, must be excluded from my consumer report. Specifically, the report reflects a single month of late payment, yet fails to acknowledge the months of consistent, on-time payments that followed. This isolated late payment should not overshadow my history of responsible credit management, and I am requesting the deletion of this late payment entry from my report. 

I have diligently worked to maintain good standing with my creditors, and the reported late payment does not reflect my overall payment behavior. I request that all information related to this late payment be removed and that my credit report be updated to accurately reflect my history of timely payments. 

Please investigate this matter and remove the late payment entry in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). I appreciate your prompt attention to this matter and would like written confirmation of the removal once completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
The name of the company is Synchrony Bank they randomly decide to discontinue my credit card for no reason the status of the card was the same when I was granted.a letter on XX/XX/year> they decided to discontinue the card with some excuse excessive? I do not have late payments. The card is at a zero balance. It does not make sense to me. When I called to question them and challenge the issue, they had no answer. Except read the letter. 
Everything that was on my card was exactly the same when I was able to get the card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: CENTRAL BANCOMPANY, INC
State: MO

Complaint narrative:
Over the past three days, I have made multiple attempts to resolve the outstanding balance on this account. However, during each call, I have been provided with conflicting and inconsistent information regarding the amount owed. The company does not post the outstanding balances on the account and instead requires account holders to call. Upon calling the representatives give different numbers each time depending on whom you talk to and provide no clear explanation of the charges. 

Below is a summary of the amounts provided : XX/XX/scrub>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/year> : Spoke to XXXX again and she again refused to assist. Said she would have her XXXX call. Refused to give XXXX contact info. 

These figures also do not match the invoices I received via email on XX/XX/year>. As you can imagine, this lack of consistency is both frustrating and concerning.

Additionally, I have requested an updated emailed invoice three times over the last three days and have yet to receive one. Each time, the representative says they invoice will be emailed within 24 hours, but I have yet to receive the requested documents. This ongoing confusion and failure to provide clear, consistent information make it incredibly difficult to resolve this matter. I believe the company is intentionally withholding information to incur additional late fees.

Given these circumstances, I am deeply concerned that this may be indicative of predatory practices, particularly targeting senior citizens like myself. The lack of transparency and conflicting numbers creates unnecessary confusion and an increasingly frustrating experience. 

I requested the following, but have not received anything. 

A clear explanation of the discrepancies in the amounts provided. 
An updated, accurate invoice emailed to me promptly. 
A single point of contact or representative to resolve this matter efficiently. 

I trust that you will address this issue with the urgency and professionalism it requires

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: IN

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

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 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, 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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
To whom it may concern, after recently pulling a copy of my credit report, I was shocked by what I discovered. I noticed there were late payments that are reporting on my credit report that 100 % SHOULD NOT be being reported on my credit report. Capital One -Account # XXXX From XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I say this because, the law states that at no point should there be a late payment reporting my consumer report & should not include any transactions or experiences XXXX me the consumer and any person making a report. Furthermore, I never gave any consent for these alleged transactions. These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am contacting you to express my concerns about several issues I've encountered with the credit bureau, including incorrect account listings, unauthorized inquiries, inaccurate credit reporting, and billing errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am contacting you to express my concerns about several issues I've encountered with the credit bureau, including incorrect account listings, unauthorized inquiries, inaccurate credit reporting, and billing errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am filing a complaint against XXXX for Search failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours ( XXXX XXXX. 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am filing a complaint against XXXX for Search failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours ( XXXX XXXX. 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Dispute my submissions, XXXX 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, XXXX actions may also contravene the Consumer Financial Protection Act, 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with necessary proof of investigation. 

These are the accounts that Ive marked as inaccurate 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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am contacting you to express my concerns about several issues I've encountered with the credit bureau, including incorrect account listings, unauthorized inquiries, inaccurate credit reporting, and billing errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information in my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ). The errors present in my credit file have negatively impacted my creditworthiness and demonstrate both negligence and noncompliance with the FCRA.

Under 15 U.S. Code 1681o, credit reporting agencies are required to maintain and enforce reasonable procedures to ensure maximum accuracy of consumer reports. The failure to properly verify or correct the errors in my report constitutes negligence in your compliance with these obligations.

I am requesting the following actions : Conduct an immediate investigation and verify the accuracy of the disputed information.

Correct or remove the inaccurate items from my credit report.

Notify any parties that have accessed my report within the last six months of these corrections.

Failure to comply with this request will result in further action to enforce my rights under the FCRA, including pursuing damages for negligence and noncompliance as outlined in 15 U.S. Code 1681o. 

I look forward to your timely resolution of this matter. Please contact me at XXXX or XXXX if you require additional information. 

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information in my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ). The errors present in my credit file have negatively impacted my creditworthiness and demonstrate both negligence and noncompliance with the FCRA.

Under 15 U.S. Code 1681o, credit reporting agencies are required to maintain and enforce reasonable procedures to ensure maximum accuracy of consumer reports. The failure to properly verify or correct the errors in my report constitutes negligence in your compliance with these obligations.

I am requesting the following actions : Conduct an immediate investigation and verify the accuracy of the disputed information. 
Correct or remove the inaccurate items from my credit report. 

Notify any parties that have accessed my report within the last six months of these corrections.

Failure to comply with this request will result in further action to enforce my rights under the FCRA, including pursuing damages for negligence and noncompliance as outlined in 15 U.S. Code 1681o. 

I look forward to your timely resolution of this matter. Please contact me at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: FL

Complaint narrative:
XXXX, XXXX and Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, 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 XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, Equifax and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, 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 XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief