vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: CA

Complaint narrative:
This was sent on XX/XX/year> By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

I am also disputing the inaccurancy of the names, addresses, email addresses, phone numbers, spouse, and Derogatory Accounts. The accuracy of listed accounts and personal information are incorrect.

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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
Incoming and a lot of my out going Payments would fail or get reversed. Then my account gets closed with no warning and when asked why I was told I went against community standards. Which I'm sure is what everyone gets told and when I tried to open a new account I'm immediately shut down. I had my account for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: CA

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 recen CFPB findings against navy federal for similar practices where transactions settles 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 2025-01-23 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: CA

Complaint narrative:
Due to the recent suit against said company for inaccurately verifying and re-entering inaccurate reports to my report I am filing this complaint on behalf of my entire report. debt validation has not been provided by either the company or the bureau. The inaccurate reporting is a violation of 15 U.S. CODE 1681- CIVIL LIABILITY 15 U.S. CODE 1681g- DISCLOSURE TO CONSUMERS 15 U.S. CODE 1681i- PROCEDURE IN CASE OF DISPUTED ACCURACY 15 U.S. CODE 1681s-2-RESPONSIBILITIES OF FURNISHERS OF INFORMATION 1. Inaccurate Reporting of Account Information : The following companies has reported incorrect account information on my credit file, including inaccuracies such as late payments, balance errors, account status, etc. 2. Failure to Investigate Disputes : After I disputed this information directly with said companies and the credit bureaus, the company failed to properly investigate and provide documentation verifying the accuracy of the reported information, violating their duty under 15 U.S.C. 1681s-2 ( b ) of the FCRA. 3. Reinsertion of Disputed Information : Despite my disputes, I noticed that the disputed information was reinserted into my credit file without notice or validation, which contravenes 15 U.S.C. 1681i ( a ) ( 5 ) of the FCRA. 4. Harmful Impact on My Creditworthiness : These inaccuracies have caused significant harm to my creditworthiness, impacting my ability to obtain loans, housing, and other essential services.

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 2025-01-23 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: ProCollect, Inc.
State: TX

Complaint narrative:
Disputed inaccurate charges on credit report from Pro Collect.

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 2025-01-23 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: SC

Complaint narrative:
I am writing to file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds at the time transactions were authorized. I was unfairly charged overdraft fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Credit Reporting Dear CFPB, I am writing to formally file a complaint regarding inaccurate and misleading information on my credit report. The reporting in question appears to violate the Fair Credit Reporting Act ( FCRA ) and potentially other consumer protection laws. 
Details of the Complaint : 1. Inaccurate Balance and Status Reporting : o My credit report reflects an account with XXXX XXXX. The account is reported as Collection/Chargeoff with a balance of {$24000.00} and a past-due amount of {$12000.00}. However, I believe this information is inaccurate based on the following : The balance and past-due amounts are not consistent with my records. 
The account status may not have been updated to reflect recent activity or payments.

2. Duplicate Reporting of the Account Across Bureaus : o This account appears to be listed multiple times across TransUnion, XXXX, and XXXX. Duplicate reporting has caused significant harm to my XXXX XXXX and misrepresents my creditworthiness. 
3. Failure to Provide Accurate Comments : o The comments section contains misleading and potentially inaccurate language, such as Charged off as bad debt and Unpaid balance reported as a loss by credit grantor. I am concerned these comments unfairly damage my reputation.

Steps I Have Taken : I have contacted the creditor and credit reporting agencies to dispute these inaccuracies. Unfortunately, the issue has not been resolved, and I have not received a satisfactory response. 
How This Affects Me : These inaccuracies have negatively impacted my credit score, leading to denials for credit and increased interest rates. This situation has caused financial harm and unnecessary stress.

Requested Resolution : I am requesting that the CFPB investigate this matter and ensure the following : 1. The account details are verified and updated to reflect accurate information.

2. Any duplicate entries are removed from my credit report.

3. The creditor and credit reporting agencies comply with FCRA requirements to ensure my rights are protected. 
I have attached copies of my credit reports, correspondence with the creditor and credit bureaus, and any supporting documents for your review. 
Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 
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 non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Credit Reporting Dear CFPB, I am writing to formally file a complaint regarding inaccurate and misleading information on my credit report. The reporting in question appears to violate the Fair Credit Reporting Act ( FCRA ) and potentially other consumer protection laws. 
Details of the Complaint : 1. Inaccurate Balance and Status Reporting : o My credit report reflects an account with XXXX XXXX. The account is reported as Collection/Chargeoff with a balance of {$24000.00} and a past-due amount of {$12000.00}. However, I believe this information is inaccurate based on the following : The balance and past-due amounts are not consistent with my records. 
The account status may not have been updated to reflect recent activity or payments.

2. Duplicate Reporting of the Account Across Bureaus : o This account appears to be listed multiple times across XXXX, Experian, and XXXX. Duplicate reporting has caused significant harm to my credit score and misrepresents my creditworthiness. 
3. Failure to Provide Accurate Comments : o The comments section contains misleading and potentially inaccurate language, such as Charged off as bad debt and Unpaid balance reported as a loss by credit grantor. I am concerned these comments unfairly damage my reputation. 
Steps I Have Taken : I have contacted the creditor and credit reporting agencies to dispute these inaccuracies. Unfortunately, the issue has not been resolved, and I have not received a satisfactory response. 
How This Affects Me : These inaccuracies have negatively impacted my credit score, leading to denials for credit and increased interest rates. This situation has caused financial harm and unnecessary stress.

Requested Resolution : I am requesting that the CFPB investigate this matter and ensure the following : 1. The account details are verified and updated to reflect accurate information.

2. Any duplicate entries are removed from my credit report.

3. The creditor and credit reporting agencies comply with FCRA requirements to ensure my rights are protected. 
I have attached copies of my credit reports, correspondence with the creditor and credit bureaus, and any supporting documents for your review. 
Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 
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 2025-01-23 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this 'creditor ' has and continues to violate a surplus of my rights under 15 USC 1681 sect. 602. They have not respected my right to privacy regardless of the alleged business done between both parties. Following countless phone calls communicating that there is a pending 1099c on my account that I have yet to receive. XXXX XXXXXXXX XXXX XXXX XXXX XXXX has failed to provide proof of my oral or written acceptance of this alleged debt which is in direct violation of 15 USC 1681 sect. 604 ( A ) 2 assisting clear violations of 15 USC 1666b, 1637b, 1681s2, 1681, FCRA, FDCPA, etc... 

The bank engages in unsafe or unsound practices, including those relating to management, earnings, information technology, consumer compliance, and internal audit, as well as violations of 12 C.F.R.163.180 ( d ), and noncompliance with 12 C.F.R. Part 30, Appendix D, Heightened Standards and the bank is in noncompliance with Articles XXXX ( Action Plan ), V ( XXXX XXXX XXXX XXXX XXXX XXXX ), VI ( XXXX XXXX XXXX XXXX ), and XXXX ( XXXX XXXX ) of the XXXX Consent Order and Article V ( Suspicious Activity Identification, Evaluation, and Reporting ) of the XXXX XXXX XXXX XXXX. 

I've kept record of my certified letter assisting an notarized cease and desist letter which lawfully should have stopped all communication, reporting and infringement of my account. I've provided additional documentation, if helpful - expressing how their misleading information provided to my FICO report & their lack of compliance with FCRA rules is leaving me without a clear resolution and causing significant distress to my credit worthiness and hindering my ability to acquire essential assets.

It is their responsibility to acknowledge these concerns arising from their incorrect reporting. I appreciate your urgent attention to this matter and look forward to a prompt and equitable resolution. Lack of resolution will leave me no other choice but to have the local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny in this matter, pending immediate relief. 

In general, if your debt is canceled, forgiven, or discharged for less than the amount owed, the amount of the canceled debt is taxable. If taxable, you must report the canceled debt on your tax return for the year in which the cancellation occurred. They have not properly remitted my 1099c so I can properly do my taxes. Because all income needs to be reported and i refuse to be in violation due to XXXX 's unfair practices. Thank you, your cooperation is appreciated in advance.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this 'creditor ' has and continues to violate a surplus of my rights under 15 USC 1681 sect. 602. They have not respected my right to privacy regardless of the alleged business done between both parties. Following countless phone calls communicating that there is a pending 1099c on my account that I have yet to receive. XXXX XXXXXXXX XXXX XXXX XXXX XXXX has failed to provide proof of my oral or written acceptance of this alleged debt which is in direct violation of 15 USC 1681 sect. 604 ( A ) 2 assisting clear violations of 15 USC 1666b, 1637b, 1681s2, 1681, FCRA, FDCPA, etc... 

The bank engages in unsafe or unsound practices, including those relating to management, earnings, information technology, consumer compliance, and internal audit, as well as violations of 12 C.F.R.163.180 ( d ), and noncompliance with 12 C.F.R. Part 30, Appendix D, Heightened Standards and the bank is in noncompliance with Articles IV ( Action Plan ), V ( XXXX XXXX XXXX XXXX XXXX XXXX ), VI ( XXXX XXXX XXXX XXXX ), and XXXX ( XXXX XXXX ) of the XXXX Consent Order and Article V ( Suspicious Activity Identification, Evaluation, and Reporting ) of the XXXX XXXX Consent Order.

I've kept record of my certified letter assisting an notarized cease and desist letter which lawfully should have stopped all communication, reporting and infringement of my account. I've provided additional documentation, if helpful - expressing how their misleading information provided to my FICO report & their lack of compliance with FCRA rules is leaving me without a clear resolution and causing significant distress to my credit worthiness and hindering my ability to acquire essential assets.

It is their responsibility to acknowledge these concerns arising from their incorrect reporting. I appreciate your urgent attention to this matter and look forward to a prompt and equitable resolution. Lack of resolution will leave me no other choice but to have the local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny in this matter, pending immediate relief. 

In general, if your debt is canceled, forgiven, or discharged for less than the amount owed, the amount of the canceled debt is taxable. If taxable, you must report the canceled debt on your tax return for the year in which the cancellation occurred. They have not properly remitted my 1099c so I can properly do my taxes. Because all income needs to be reported and i refuse to be in violation due to XXXX 's unfair practices. Thank you, your cooperation is appreciated in advance.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-01-23 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: SC

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. The following accounts, that have been previously disputed, were disposed and dismissed cases, and per the residing judge, should have been deleted from my credit report. How is it that the other credit reporting agencies deleted these accounts but not Experian/Experian rent Bureau? Yet, I get a notification that the information has been verifiedwhat are you comparing my information with?

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX SS # XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Re : Request for Method of Verification and Update of Account Status on the following accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX Dear XXXX, I am writing in reference to my previous requests regarding the verification of the information on my credit report. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I contacted you to request a method of verification for an account listed in my credit report, and to have the account updated to Paid As Agreed, Not Late ( PAANL ) status. However, to date, I have not received any response or verification as required under the Fair Credit Reporting Act ( FCRA ). 

As you are aware, under FCRA Section 611 ( 15 U.S.C. 1681i ), if a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute and provide the consumer with a statement of the method of verification within 30 days. The failure to respond appropriately to my request for method of verification is in violation of this provision.

Furthermore, under FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ), if the information reported is found to be inaccurate, XXXX is obligated to update the account status promptly. Therefore, I request that you take immediate action to update the status of the account in question to " Paid As Agreed, Not Late '' ( PAANL ) as it is in accordance with the accurate representation of my credit history. 

Please provide written confirmation of this update as soon as possible. If this request is not fulfilled within the required time frame, I will consider taking further action to ensure my rights under the FCRA are fully enforced. 

Thank you for your prompt attention to this matter. 

Sincerely, 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