vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 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: MI

Complaint narrative:
On XXXX XXXX I submitted a formal dispute to Transunion, XXXX, and XXXX regarding inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ). As required by law, the credit bureau had 30 days to investigate and respond, yet I never received any correspondence, verification, or resolution regarding my dispute.

Under FCRA Section 623, data furnishers are required to provide only accurate and verifiable information. Because I did not receive a response or resolution within the legally mandated timeframe, I am requesting immediate action from the CFPB to enforce compliance.

If the disputed accounts can not be verified, they must be immediately removed from my credit file. Please escalate this matter and ensure that Transunion follows federal guidelines in handling consumer disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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 submitted a dispute through XXXX XXXX. All three credit bureaus have failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable re-investigation of disputed information on my credit report, leaving in accurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to for consumer provided evidence to furniture, accepting unreliable responses, and failing to adequately, notify consumers of dispute, outcomes. These failures align with my experience, where all three credit bureaus have 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 experience in action, violate 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 2025-02-14 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: TX

Complaint narrative:
This morning, I discovered incorrect accounts listed on my credit report, and I have no idea how they got there. I routinely check my credit report, but this time, I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a temporary glitch, but the errors remained. Due to this issue, I am requesting a thorough review of the documents Ive submitted so that I wont have to worry about this again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
I filed a dispute with my bank regarding two fraudulent transactions that appeared in my bank statement on XX/XX/XXXX. The very next day my claim was denied. I called chime and was told I would be sent an email with the information used to determine the decision. I received an email and it said the company XXXX declined the chargeback. There was no evidence attached to the document. I called XXXX, sent 2 emails and received NO response from them. After doing research online, it is very hard to get in contact with this company but I was able to retrieve a phone number to communicate via text. I contacted XXXX via text messages. They said that I would have to work with my bank to file a dispute. I let them know I did file a dispute and was told that they declined the chargeback. The XXXX rep told me there is NO chargeback for this order. I figured that was the case since Chime declined the claim in 24 hours. I then contacted chime again, the First Lady I spoke with was very rude and even hung up the phone on me. The 2nd person I spoke with sent me a link to attach the text messages to and reopened the case. I was suppose to receive a temporary credit on or before XX/XX/XXXX, I never did. I received an email from chime saying this is the information used in my claim and it was only documents I submitted because the merchant didnt submit anything. I then contacted the merchant again and they confirmed with the order number that their is no chargeback for this order. Chime is not requesting a chargeback but saying the merchant declining it as a reason to deny the claim. Even thought I am providing evidence, they are still declining it. I dont feel like they are really researching they claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
We made mistake in typing in a bank account number to pay off the card. Realized the mistake when it declined and fixed the mistake. The card was then paid off but they locked the card. This was a month and a half ago. They refuse to call us and every time we call they tell us they can not help us because we can not provide the proper documentation. We have given the bank statements for the correct account showing the payoff information, we have called more than 20+ times and talked to a supervisor, and escalated this issue more than 2 times. They refuse to help us but keep charging the yearly fee and have locked us out of our earned rewards balance and the ability to use the card without even considering this was an error in typing and not fraud. They are calling the account fraudulent and refuse to release it even though we provided the information and documents they requested. The account they are needing to verify does not exist and can never be verified because we made a mistake in typing it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-14 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: NY

Complaint narrative:
I recently received a copy of my 3 bureaus consumer report and I noticed some inaccurate information posted on my consumer report : XXXXXXXX XXXX XXXX Balance : {$17000.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: NY

Complaint narrative:
I recently received a copy of my 3 bureaus consumer report and I noticed some inaccurate information posted on my consumer report : XXXXXXXX XXXX XXXX Balance : {$17000.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-02-14 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: IL

Complaint narrative:
I am writing to formally dispute the reinsertion of Autores XXXX on my credit report. I previously disputed this account, and it was successfully removed in accordance with the Fair Credit Reporting Act ( FCRA ). However, I recently reviewed my credit report and found that this account has been reinserted without proper notification, as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the FCRA.

Under the FCRA, if an item is reinserted after being removed due to a previous dispute, I am legally entitled to written notice within XXXX business days of the reinsertion, along with certification from the data furnisher verifying its accuracy. As of today, I have not received any such notification or verification. 
I am requesting the following actions be taken immediately : Provide written certification from the furnisher of the information verifying its accuracy and legitimacy. 
Explain the reason for reinsertion and provide the identity of the entity that requested it. 
Remove the account from my credit report if verification can not be provided. 
Please consider this letter as my formal request for reinvestigation. If the matter is not resolved promptly, I am prepared to escalate this dispute through arbitration or legal means. Please respond in writing within 30 days, as required by law. 
I have attached copies of my previous dispute correspondence and a copy of my credit report highlighting the reinserted item. If you require additional information, feel free to contact me at the provided details. 
Thank you for your prompt attention to this matter. I look forward to your response and a swift resolution. 
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 2025-02-14 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: TX

Complaint narrative:
In XXXX I requested that you the CFPB mandate the credit reporting agencies uphold the federal law that mandates educational institutions uphold data security and protect me as the student by complying and removing any student loans. This is after address this with each credit reporting agency separately. 20 USC 1232g ( b ) You the CFPB closed the complaint without ever addressing the violation of my rights and the law that was commited by the reporting agencies also accussing me of hiring a third party which i did not.

I never knowingly gave my consent to have my " personal identifiable information '' to a third party which includes the credit reporting agencies EXPERIAN, EQUIFAX and TRANSUNION. The Family Educational Rights and Privacy Act of 1974 ( FERPA ) protects my privacy and rights not to have ANY of my student records reported. Since FERPA applies to the Financial Aid Office of Colleges and Universities that receives the funding from the federal government and maintains the records of my student loans is considered education records and once again may not be disclosed without my consent nor was I told I could opt out or reporting.

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 2025-02-14 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: TX

Complaint narrative:
In XXXX I requested that you the CFPB mandate the credit reporting agencies uphold the federal law that mandates educational institutions uphold data security and protect me as the student by complying and removing any student loans. This is after address this with each credit reporting agency separately. 20 USC 1232g ( b ) You the CFPB closed the complaint without ever addressing the violation of my rights and the law that was commited by the reporting agencies also accussing me of hiring a third party which i did not.

I never knowingly gave my consent to have my " personal identifiable information '' to a third party which includes the credit reporting agencies EXPERIAN, EQUIFAX and TRANSUNION. The Family Educational Rights and Privacy Act of 1974 ( FERPA ) protects my privacy and rights not to have ANY of my student records reported. Since FERPA applies to the Financial Aid Office of Colleges and Universities that receives the funding from the federal government and maintains the records of my student loans is considered education records and once again may not be disclosed without my consent nor was I told I could opt out or reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality in 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 A, states that I have the right to privacy.

15 USC 1681 Section 604 A section 2, states a consumer reporting agency can not furnish a written account without my written instructions or consent.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Skrill USA, Inc.
State: MI

Complaint narrative:
I used Skrill to deposit and send money. My last activity on Skrill was in XXXX XXXX, since then, my account was locked and asked for verification. I've uploaded all the documents according to their instructions including banking statements, etc. However, my account are still locked and i have over {$16000.00} in it. They never complete the review of my account and refuse to give me my money back. Please help get my money thanks. My email at Skrill is XXXX. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: TX

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 2025-02-14 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$XXXX} XXXX/XXXX  Date Opened XX/XX/XXXX Balance {$XXXX} XXXX XXXX  XXXX XXXX XX/XX/XXXX Balance {$XXXX} XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX/XXXX  ( XXXX  ) XX/XX/XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX  XXXX  ( XXXX  ) XX/XX/XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX  XXXX  ( XXXX  ) XX/XX/XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( XXXX  ) XX/XX/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 2025-02-14 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: VA

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 2025-02-14 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
The Citibank/Home Depot account was fraudulently opened in my name. The identity thief opened the account on XX/XX/year>, and made a purchase that same day and nearly maxed out the credit card. I live in Illinois, and the item was sent to New York. It's obvious that a scammer somehow got my personal information, and fraudulently opened a credit card in my name. I have already filed a police report, and also contacted the credit card company to open an investigation. They sent a letter saying the account was closed. I will attach a photo. This is not my account.

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 2025-02-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have requested you update my Capital one Auto Payment ( XXXX ) there is a lot of missing payments and incorrect information. I have in the past requested you update the following : XX/XX/XXXX, and also XX/XX/XXXX needs to be updated as current ; I was not late for this payment. Missing payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Current balance is {$450.00} you are reporting {$1100.00} incorrectly.

Company response to consumer: Closed with explanation