vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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 am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that are inaccurate : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) XXXXXXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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 am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts that are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-01-24 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to report unauthorized hard inquiries on my credit report that I believe are the result of identity theft. These inquiries were made without my consent, and I am concerned about potential misuse of my personal information. 

Below are the details of the fraudulent hard inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: TX

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate : XXXX XXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX  Account # : XXXX, XXXX XXXX  Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX, OFFICE OF THE ATTY GEN Account # : 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 2025-01-24 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 against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate : XXXX XXXX  Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX  Account # : XXXX, XXXX XXXX  Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX, OFFICE OF THE ATTY GEN Account # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Subject : Difficulty Setting Up Automatic Payments in the Bank of America XXXX I am writing to express my frustration with the process of setting up automatic payments in the Bank of America XXXX app. When I tried to switch my payment to a recurring monthly option and selected " statement balance '' or " full statement balance, '' the app defaulted to a one-time payment without allowing me to set it to monthly. 

This issue not only makes the process unnecessarily complicated but also appears to be designed to incur late fees, which is concerning. I strongly urge you to address this issue and consider the user experience improvements seen in other banking apps like XXXX. 

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 2025-01-23 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: Early Warning Services, LLC
State: MN

Complaint narrative:
Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Early Warning Services , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I am writing to request an investigation of the following information that appears on my Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Kind Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracy in my credit report. Dispute my submission, Equifax consistently responded within 24hours stating the account was accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with necessary proof of investigation. 


Any account in collections or marked late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding

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 2025-01-24 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 filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding

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 — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Unauthorized Chasing of my XXXX Bank of America Check that was paid out to me. 

Dear CFPB, I am writing to report that my XXXX BANK OF AMERICA CHECK was compromised, resulting in unauthorized transaction that were made without my knowledge or consent. 

Upon calling customer service to inquire about my account balance, I was informed by the BANK OF AMERICA XXXX representative that my account had a remaining balance of only XXXX dollars. before my check was intercepted and cash I had a Previous Balance {$12000.00}. 

I did not authorize or initiate. This unexpected discovery of unauthorized activity has left me deeply concerned about the security of my account. 

I request that an immediate inquiry, be conducted into this matter, and I ask that my account be safeguarded from further unauthorized transactions. 

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 2025-01-24 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: NC

Complaint narrative:
To whom it may concern : I would like to move forward with litigation against XXXX, XXXX XXXX TransUnion. I have requested investigation under FCRA 611 ( a ) to all three Bureaus in reference to XXXX XXXX XXXX XXXXAccount Number XXXX XXXX XXXX XXXX No Account Number Noted. I have asked XXXX, XXXX, TRANSUNION not to update or verify these fraudulent accounts without doing a due diligence investigation. I have requested to be provided with a WET SIGNATURE and physical documentation to support the information that is being reported and they have FAILED to do so. They have also FAILED TO BLOCK IDENTITY THEFT RELATED INFORMATION.TransUnion reported that they CANT locate a credit profile but they are still reporting FRAUDULENT accounts on my credit profile they are lying and reporting inaccurate information on my report. XXXX is also still showing an Account for XXXX XXXX XXXX XXXXAccount Number XXXX IN WHICH THE CREDITOR PROVIDED PROOF THROUGH THE CFPB THAT THEY SENT RECEIPT TO ALL THREE BUREAUS TO DELETE THE TRADE-LINE AND THEY ARE STILL REPORTING THIS INACCURATE INFORMATION. I KEEP PROVIDING MY DRIVERS LICENSE, UTILITY BILL AND IDENTITY THEFT REPORT, WHICH IS THROUGH FTC ( FEDERAL TRADE COMMISSION ) I HAVE ALSO INCLUDED THE ATTORNEY GENERAL ON THIS COMPLAINT AS I HAVE SENT SEVERAL REQUESTS TO HAVE THESE FRAUDULENT ACCOUNTS REMOVED AND THESE BUREAUS CONTINUE TO REPORT INACCURATE INFORMATION OR PROVIDE VALID INFORMATION AND REQUESTED DOCUMENTATION AT MY REQUEST, THIS HAS BEEN WELL OVER 30 DAYS AND THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY.MAY I REMIND YOU XXXX is currently being sued due to sham investigations and inaccurate information being reported and they are in violation of the FCRA, 15 U.S.C 1681 i ( a ) ( 2 ) ( A ), 15 U.S.C 1681i ( a ) ( 5 ) ( A ), 15 U.S.C 1681i ( a ) ( 5 ) ( B ), ( C ). XXXX has also been fined for improper investigations and inaccurate information being reported, as well as putting previously deleted errors back on credit reports and and failing to block identity theft related information.

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 2025-01-24 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: NC

Complaint narrative:
To whom it may concern : I would like to move forward with litigation against XXXX, EXPERIAN XXXX XXXX. I have requested investigation under FCRA 611 ( a ) to all three Bureaus in reference to XXXX XXXX XXXX  -Account Number XXXX ; XXXX XXXX- No Account Number Noted. I have asked EXPERIAN, XXXX, XXXX not to update or verify these fraudulent accounts without doing a due diligence investigation. I have requested to be provided with a WET SIGNATURE and physical documentation to support the information that is being reported and they have FAILED to do so. They have also FAILED TO BLOCK IDENTITY THEFT RELATED INFORMATION.TransUnion reported that they CANT locate a credit profile but they are still reporting FRAUDULENT accounts on my credit profile they are lying and reporting inaccurate information on my report. XXXX is also still showing an Account for XXXX XXXX XXXX XXXXAccount Number XXXX IN WHICH THE CREDITOR PROVIDED PROOF THROUGH THE CFPB THAT THEY SENT RECEIPT TO ALL THREE BUREAUS TO DELETE THE TRADE-LINE AND THEY ARE STILL REPORTING THIS INACCURATE INFORMATION. I KEEP PROVIDING MY DRIVERS LICENSE, UTILITY BILL AND IDENTITY THEFT REPORT, WHICH IS THROUGH FTC ( FEDERAL TRADE COMMISSION ) I HAVE ALSO INCLUDED THE ATTORNEY GENERAL ON THIS COMPLAINT AS I HAVE SENT SEVERAL REQUESTS TO HAVE THESE FRAUDULENT ACCOUNTS REMOVED AND THESE BUREAUS CONTINUE TO REPORT INACCURATE INFORMATION OR PROVIDE VALID INFORMATION AND REQUESTED DOCUMENTATION AT MY REQUEST, THIS HAS BEEN WELL OVER 30 DAYS AND THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY.MAY I REMIND YOU EXPERIAN is currently being sued due to sham investigations and inaccurate information being reported and they are in violation of the FCRA, 15 U.S.C 1681 i ( a ) ( 2 ) ( A ), 15 U.S.C 1681i ( a ) ( 5 ) ( A ), 15 U.S.C 1681i ( a ) ( 5 ) ( B ), ( C ). XXXX has also been fined for improper investigations and inaccurate information being reported, as well as putting previously deleted errors back on credit reports and and failing to block identity theft related information.

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: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I'm having XXXX problem trying to add an XXXX external Accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) which both external account are under my name. 

On XX/XX/XXXX I first add my XXXX  XXXX XXXX XXXX - XXXX as an External Account with Navy Federal Credit Union. 

And completed the XXXX XXXX XXXX, and received an email on XX/XX/XXXX, XXXX XXXX, saying the external account - XXXX is confirmed. 

Then XX/XX/XXXX, XXXX XXXX  I received an email saying your account - XXXX registration was unsuccessful and was removed. 

On XX/XX/XXXX I tried again add my XXXX XXXX XXXXXXXX XXXX - XXXX as an External Account with Navy Federal Credit Union. 

And completed the XXXX XXXX Deposits, and received an email on XX/XX/XXXX, XXXXXXXX XXXX XXXX, saying the external account - XXXX is confirmed. 


Then XX/XX/XXXX, XXXXXXXX XXXX XXXX I received an email saying your account - XXXX registration was unsuccessful and was removed. 

Then on XX/XX/XXXX, XXXX XXXX I tried adding another External Account, which was XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account - XXXX. 

And completed XXXX XXXX XXXX XXXX, and received an email on XX/XX/XXXX, XXXX, saying the external account- XXXX is confirmed. 

Then XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX I received an email saying your account - XXXX registration was unsuccessful and was removed. 

And now today I tried again XX/XX/XXXX, XXXX XXXX XXXX I tried adding another External Account, which was XXXX XXXX  XXXX XXXX XXXX XXXX Account - XXXX. 

And completed XXXX XXXX XXXX Deposits, and received an email on XX/XX/XXXX, XXXX XXXX, saying the external account- XXXX is confirmed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation