vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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: CO

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the inaccurate information that remains on my credit report, despite my previous attempts to resolve these errors. My experience aligns with the Consumer Financial Protection Bureau ( CFPB ) lawsuit filed against Experian ( Case No. XXXX ) on XX/XX/year>, in which the agency alleged multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). 
Specifically, Experian has failed to conduct reasonable reinvestigations, misrepresented the nature of my dispute to furnishers, and continued reporting inaccurate information in violation of my rights under federal law. 
Accounts/Items in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation of FCRA Requirements Under 15 U.S.C. 1681i ( a ), Experian is required to conduct a reasonable reinvestigation of any disputed information. However, according to the CFPB lawsuit, Experian has a pattern of : Failing to forward all relevant dispute details and supporting documents to furnishers. 
Relying uncritically on furnishers responses, even when they are illogical or inconsistent. 
Sending consumers misleading or unclear results regarding dispute investigations. 
Allowing previously deleted inaccurate information to be reinserted onto credit reports. 
My Legal Rights & Requested Action Pursuant to the FCRA, I request that Experian : Conduct a proper reinvestigation of my dispute by forwarding all relevant information and supporting documentation to the furnishers. 
Provide me with a written statement detailing whether the disputed information has been corrected or deleted. 
Immediately delete or correct all inaccurate, incomplete, or unverifiable information from my credit report. 
Cease the reinsertion of any deleted inaccurate information unless it complies with the certification and notification requirements under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Provide me with a free updated copy of my credit report once the disputed items have been resolved. 
If Experian fails to properly investigate and correct my disputes in compliance with federal law, I am prepared to file a formal complaint with the CFPB and seek legal action for damages under 15 U.S.C. 1681n and 1681o. 
I have attached copies of supporting documents ( credit report, correspondence, payment records, etc. ) to substantiate my dispute. Please respond to this dispute within the 30-day period required by law. 
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 2025-02-08 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: Financial Assistance Inc
State: AR

Complaint narrative:
I did not authorize this information. I have a criminal identity report for unlawful 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 2025-02-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received a call from CHASE and it stated chase bank on my caller ID stating that my XXXX account has been compromised and its been the party involved. XXXX XXXX has all my personal information and then order to get my money back. I would have to transfer the money to the manager of Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
I connected my chime card with my external bank account assuming the transfer move money send money process would be the same as any transfers and that it should not take five business days speaking with many different members of chime no one could give me a straight up answer a simple question either give me my money back stop the process or add the money to the chime card they said they could see the money is there but waiting on my bank to release the funds the funds were released asap I did all of this from my online banking I could see the money wasn't in the bank account no more I been calling chime to get my funds they are giving me the runarounds with me my time my money my I don't have any more patients with these bank or money corporations stealing or holding on to my money I'm not getting nowhere with them I don't know if they can understand what I'm saying I know for sure they not listening or trying to understand my furry!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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'm a victim of a sham investigation from Experian credit reporting agency. They have not done a real investigation, but rather only relied upon the response from the creditor and basting. Their investigation solely on a fault. E oscar system that is not accurate please delete all items that's listed in my documents immediately. Please see documents in attachments this dispute was not made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: LA

Complaint narrative:
Dear CFPB Representative, I am writing to formally file a complaint against Experian regarding their failure to validate disputed information on my credit report and their refusal to provide the method of validation as required by the Fair Credit Reporting Act ( FCRA ) I submitted a dispute to Experian regarding inaccurate information on my credit report. In accordance with FCRA, I requested that they validate the accuracy of the reported account ( s ) or remove the erroneous information. However, Experian failed to provide me with adequate validation or documentation proving the accuracy of the disputed items. Additionally, when I requested the method of validation, Experian did not respond with the required information explaining how they verified the disputed data. 

This lack of transparency and failure to comply with federal laws is unfair and negatively impacts my creditworthiness. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation and provide consumers with a clear explanation of how disputed information was verified. Experians failure to do so is a violation of my consumer rights. 

I request that the CFPB investigate Experians practices regarding the handling of credit disputes and ensure that they comply with federal regulations. Additionally, I ask for the removal of any unverifiable or inaccurate information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your time and assistance. 

Sincerely, 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 2025-02-08 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: AK

Complaint narrative:
The late payment remark on my credit report is negatively impacting my FICO score, and I am requesting its removal to ensure my credit profile accurately reflects my financial responsibility. Payment history accounts for approximately 35 % of my FICO score, making it the most significant factor in credit scoring. A single late payment can cause a substantial drop in my score, especially if I previously had a strong payment record.

This inaccurate late payment is unfairly lowering my creditworthiness and affecting my ability to secure financial opportunities, such as obtaining a loan or favorable interest rates. Additionally, lenders and financial institutions rely on FICO scores to assess risk, and this incorrect remark could result in higher borrowing costs or even denials of credit applications. 

I am formally disputing this error under the Fair Credit Reporting Act ( FCRA ), which grants me the right to challenge inaccurate or unverifiable information on my credit report. If the late payment can not be verified or is incorrect, it must be removed. Furthermore, I am requesting a goodwill adjustment from the creditor, as I have a history of responsible financial management, and this late payment does not accurately represent my reliability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: AK

Complaint narrative:
The late payment remark on my credit report is negatively impacting my FICO score, and I am requesting its removal to ensure my credit profile accurately reflects my financial responsibility. Payment history accounts for approximately 35 % of my FICO score, making it the most significant factor in credit scoring. A single late payment can cause a substantial drop in my score, especially if I previously had a strong payment record.

This inaccurate late payment is unfairly lowering my creditworthiness and affecting my ability to secure financial opportunities, such as obtaining a loan or favorable interest rates. Additionally, lenders and financial institutions rely on FICO scores to assess risk, and this incorrect remark could result in higher borrowing costs or even denials of credit applications.

I am formally disputing this error under the Fair Credit Reporting Act ( FCRA ), which grants me the right to challenge inaccurate or unverifiable information on my credit report. If the late payment can not be verified or is incorrect, it must be removed. Furthermore, I am requesting a goodwill adjustment from the creditor, as I have a history of responsible financial management, and this late payment does not accurately represent my reliability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Galaxy Capital Acquisitions, LLC
State: GA

Complaint narrative:
I have a collection on my credit report from Galaxy International Llc. The original company it says was XXXX XXXX XXXX. The amount is for XXXX and apparently the account was opened 5 yrs and 5 months ago. I have no knowledge of either agency and have received no notification from Galaxy International before being sent to collections. I have disputed asked for debt validation on two separate occasions through credit bureau ( XXXX ). Those dates were XXXX XXXX and XX/XX/year>. Both disputes were denied and no documentation or reason was given. I also reached out to the Galaxy agency requesting debt validation in XXXX and am still waiting for any form of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: LA

Complaint narrative:
On XX/XX/year>, I transferred {$100.00} worth of XXXX from my Robinhood account to my personal wallet after I saw that it went through fine. I proceeded to transfer the rest of my XXXX A flag came up on my Robinhood app that said I can only transfer {$5000.00}. With that, I proceeded to transfer the remaining {$4900.00} to my wallet. That transfer was rejected by Robinhood, and my account was frozen. I sent them a message because you can not call them. On XX/XX/year>. They sent me an email asking me to send pictures of me and my ID with my account still locked. They eventually called me on XX/XX/XXXX. The lady asked me some questions. Made sure of my identity and said it was unusual for me to transfer a small amount then try to transfer a bigger amount. I know this is common practice when transferring to a wallet for the first time. 
She told me everything seemed fine, and she would expedite getting my account open after that call. I got a flag on my app that took the place of the flag. That said they were reviewing it until the XXXX now they changed it to the XXXX. I tried multiple times to get in touch with them again. They wouldnt respond. They would actually ring my phone one time and hang up. I guess to clear me from their queue. As time went on, the flag kept moving from the XXXX to the second to the third of XXXX, then the next flag came up, saying " Were closing your Robinhood account due to recent account activities. We will notify you once were done. 
On XX/XX/XXXX WITHOUT MY KNOWLEDGE OR CONSENT they sold all my crypto and a little bit of stock that I had. I can not get in touch with them. They will not let you speak to anyone by phone and haven't responded to any of my emails that I sent through their app. and theyre not releasing my {$69000.00} that is in my account. 
As the market recovers, I am out of my funds. I have no way to contact them, not to mention. Im going have to pay taxes on my gains for selling securities that I had for long-term holdings. 

Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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:
Dear Consumer Financial Protection Bureau, I am writing to express my deep concern regarding the recent lawsuit filed against Experian, alleging that the company failed to properly investigate consumer disputes and reinserted inaccurate information into credit reports. 
consumerfinance.gov This issue has significantly impacted my creditworthiness, as I have experienced firsthand the detrimental effects of Experian 's inadequate handling of credit report disputes. The presence of incorrect information on my credit report has hindered my ability to secure credit, resulting in financial hardship and missed opportunities. 

I respectfully request that the CFPB take swift action to ensure that Experian promptly removes any inaccuracies from my credit report and provides written confirmation of these corrections. Additionally, I urge the Bureau to enforce measures that prevent the re-insertion of previously deleted erroneous information, thereby safeguarding consumers from further harm. 

Thank you for your attention to this critical matter. I trust that the CFPB will act decisively to protect consumers ' rights and financial well-being. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Contact info : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: PA

Complaint narrative:
In around XXXX, I had a checking account with Navy Federal Credit Union XXXX I was being charged overdraft fees without my consent. Im not sure if the amounts. I would like this information removed from all consumer reporting websites.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: AL

Complaint narrative:
Shared information without my knowledge and permission

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: AL

Complaint narrative:
Shared information without my knowledge and permission

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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:
Experian 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 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 I 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 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Futhemore, 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 loss, and I seek appropriate redress for these Violations

Company response to consumer: Closed with explanation