vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 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: GA

Complaint narrative:
Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I have the legal right to request validation of any debt that is reported by a collection agencies. ( XXXX XXXX XXXX ) And ( XXXX XXXX XXXX ) have violated my right. I have not received any documentation verifying this debt, and as such, I formally request that you provide me with a copy of the original contract, evidence of the debt 's assignment to your agency, and a full payment history. If you are unable to provide this documentation to substantiate the debt, you are required to remove this collection accounts from my credit report, just like they did from XXXX AND 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 2025-02-01 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 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 2025-02-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: TX

Complaint narrative:
Subject : Dispute Resolution Issue - Negligent Closure and Loss of Funds Dear Consumer Financial Protection Bureau, I am filing a complaint against NetSpend regarding a recent dispute I filed concerning a transaction in my NetSpend Wallet. Despite my efforts to resolve the issue, NetSpend prematurely rushed and closed my case, seemingly in an effort to benefit the company rather than ensuring a fair and thorough resolution. 

As a consumer, I am entitled to a thorough investigation into my dispute, and I was not provided this level of service. The dispute was closed without the proper consideration of my evidence, leaving me with a {$500.00} loss that remains unresolved. I believe that NetSpend did not uphold my right to a full and fair investigation and instead took actions that favored their interests. 

I request that the CFPB assist in ensuring that NetSpend properly investigates my dispute and provides a resolution that is in accordance with consumer rights. 

Thank you for your attention to 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 2025-02-01 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: SUN LOAN COMPANY INC.
State: IL

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 

XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$780.00} XXXX XXXX Balance Owed : {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint with Equifax for failing to properly investigate inaccuracies on my credit report. On XX/XX/year> XXXX XXXX XXXX XXXX account deletion letter to all XXXX credit bureaus and it stated this error would be corrected in XXXX days. The correction has not been made. If a company sends a letter to the credit bureau stating that information is inaccurate and needs to be removed, the bureau is legally required to act on that notification and correct the error. Equifax did not do this. This practice violates the Fair Credit Reporting Act ( FCRA ). I request that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. If a credit bureau fails to correct errors after being notified, they can be held liable for damages under Section 616 ( 15 U.S.C. 1681n ) for willful noncompliance and Section 617 ( 15 U.S.C. 1681o ) for negligent noncompliance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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:
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. 

XXXXXXXX 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 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/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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is now my new communication regarding the unauthorized accounts on my credit report. These entries were added without my consent, knowledge, or authorization. Under the Fair Credit Reporting Act ( FCRA ) Section 605B ( a ), I am entitled to have these accounts removed within XXXX business days, a list of disputed items. I insist on the immediate removal of the following erroneous accounts from my report : XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: CITIBANK, N.A.
State: IL

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 2025-02-01 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 lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: GA

Complaint narrative:
I am submitting a formal complaint regarding TransUnion 's failure to remove discharged student loans from my credit report. These loans were forgiven under the Borrower Defense to Repayment program, and per the U.S. 
Department of Education, they should no longer be reported. 
Despite my dispute, TransUnion has not corrected the information, and my credit report continues to reflect these forgiven loans. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates the credit reporting agencies maintain accurate and complete records. 
I request the CFPB 's intervention to ensure that TransUnion fully removes these student loans from my credit report. Please advise on the next steps I should take and whether any additional documentation is required. 
Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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:
I am submitting a formal complaint regarding TransUnion 's failure to remove discharged student loans from my credit report. These loans were forgiven under the Borrower Defense to Repayment program, and per the U.S. 
Department of Education, they should no longer be reported. 
Despite my dispute, TransUnion has not corrected the information, and my credit report continues to reflect these forgiven loans. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates the credit reporting agencies maintain accurate and complete records. 
I request the CFPB 's intervention to ensure that TransUnion fully removes these student loans from my credit report. Please advise on the next steps I should take and whether any additional documentation is required. 
Thank you for your assistance in 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 explanation
Consumer complaint received 2025-02-01 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code XXXX ) says ( XXXX ) 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 XXXXb ( XXXX ) and 15 U.S. Code XXXXcXXXX This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code XXXXn, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code XXXX ) says ( XXXX ) 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 XXXXb ( XXXX ) and 15 U.S. Code XXXXcXXXX This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code XXXXn, 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 non-monetary relief
Consumer complaint received 2025-02-01 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: KS

Complaint narrative:
Name : XXXX XXXX date of Birth : XXXX IDType : identification cardIDNumber : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries XXXX XXXX XXXX Inquiry Date XXXX Removal Date XX/XX/year> as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: MI

Complaint narrative:
The company sold to other lenders as well as XXXX who the loan lender was from the start to much of my information is out here, information is making my credit ability look awful These companies.are doing what ever they want with my information it is affecting my credit score every thing dealing with my credit report

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am submitting this complaint to formally dispute inaccuracies in my credit report and to seek compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further supported by the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which highlights Experians failure to adequately investigate consumer disputes and its improper reinsertion of inaccurate information into consumer reports. 

The following inaccuracies in my credit report require immediate correction or removal : 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 XX/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 2025-02-01 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: ID

Complaint narrative:
I was looking at my report and noticed that there were multiple things that we're not correct. I sent a letter to Experian XX/XX/year> here is my tracking number # XXXX XXXX XXXX XXXX XXXX XXXX but it has been more than 35 days since the credit bureaus haven't responded. That is a violation of 15 USC1681i ( a ) ( 1 ) ( A ) Under 15 USC1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) an exempt as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller. which fall in line with why the CFPB Filed a lawsuit recently.

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 2025-02-01 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXX I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned account and collections on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-01 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXX I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned account and collections on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief