vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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 Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion 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, Transunion '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 Transunion complies with federal law and provides consumers with the necessary proof of investigation.

These accounts below are the accounts I disputed against : XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$1200.00} XXXXXXXX XXXX  {$1100.00} XXXX XXXX XXXX Originally XXXX XXXX {$780.00}

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 2025-01-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: MD

Complaint narrative:
i have reached out to this debtor on multiple occasions for a document or a lease with my signature on it showing that this lease was signed for me. to which they have not sent. they are sending itemized list of amounts but nothing attaching my name to the property or debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CA

Complaint narrative:
Filing a complaint to report inaccuracies on my credit report 15 U.S.C ss 1681i : Failure to conduct a proper reinvestigation after I disputed the inaccurate information. 15 U.S.C ss 1681s-2 : Responsibility of the furnished of information to report accurate data. 15 U.S.C ss 1681e ( b ) : Failure of the credit reporting agency to ensure maximum possible accuracy of the information, which caused significant financial harm and distress. The errors involve incorrect dates and amounts which affect my credit score and financial standing. I request assistance in investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-01-27 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: NH

Complaint narrative:
Complaint # XXXX and XXXX I am writing to follow up on my original dispute, which I submitted on XX/XX/year>2025 regarding unauthorized inquiries, incorrect personal information, and fraudulent accounts appearing on my credit report. Despite my initial submission, your response, dated XX/XX/year>2025, indicates that no action was taken due to concerns regarding the authorization of my request. However, I am now submitting this dispute directly in accordance with the Fair Credit Reporting Act ( FCRA ) 611, and I expect a full and comprehensive investigation of the disputed information. 

I request that Clarity Services conduct a detailed reinvestigation of the following disputes : Unauthorized Inquiries : Inquiries made without my consent or knowledge. 
Incorrect Personal Information : The erroneous addresses, names, birthdates, phone numbers, and email addresses listed in my credit file. 
Fraudulent Accounts : Accounts that I did not open or authorize For your reference, I have attached the following documents to support my dispute : A copy of my government-issued ID ( e.g., drivers license or passport ) A utility bill or bank statement verifying my current address A copy of my credit report with the unauthorized inquiries and accounts highlighted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX  XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute a hard inquiry on my credit report. I believe this inquiry is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX TX XXXX Dear Experian Customer Service XXXX I hope this letter finds you well. I am writing to formally request an investigation into negative items on my credit report and to address an incorrect address related to a recent data breach. 

My name is [ XXXX XXXX ], and my Social Security Number is XXXX. Upon reviewing my credit report, I have identified several negative items that I believe are inaccurate and may not be mine. Furthermore, my credit report contains an address that is not associated with me due to the impacts of this data breach. 

The specific incorrect address that needs to be removed is : I kindly request your assistance in conducting a thorough investigation into these negative items, as well as the removal of the incorrect address from my credit report. Attached, you will find any relevant documentation to support my claims, including [ list any documents, such as a copy of your credit report highlighting the incorrect entries and address, proof of identity, proof of residence, etc. 

It is imperative that my credit report reflects accurate information, as I am actively working to maintain my financial reputation. I appreciate your prompt attention to this matter and look forward to your timely response. 

If you need any further information or documentation, please feel free to contact me at the phone number or email address provided above. 

Thank you for 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 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I filed a disputed claim with Chase Bank for a fraudulent charge of {$250.00} on XX/XX/year> reason I did not make or consent to this transaction. On XX/XX/year>, Chase Bank sent me notification via my email address XXXX to inform me that a decision regarding my claim status can be view in the Chase bank mobile app. I read the letter, which states, we found the transactions was processed according to the information I provided or was authorized. As a result, e are removing {$250.00} from your account on or after XX/XX/year>. So, I contacted the claims department that same day ( evening ), spoke with XXXX in the claims department asked how did Chase bank come to their determination of the claim was processed correctly and what proof was provided in making this determination. I also asked for copies of said proof and an explanation of determination sent to me via email. XXXX the representative, stated, she could not send me any documentation via email, it had to be mailed please allow 10 business days. She also told me that Chase bank dispute back office, has other disputed claims with same merchant as proof this is the most likely reason for the {$250.00} reversal from my account. 
The disputed claim was from a cash app merchant. I informed her that I did not recognize the merchant nor did make or authorize that transaction. I explain to her that I do not have a cash app account and asked again for their proof stating how this claim is a valid transaction. I asked the representative XXXX, to please escalate claim to Chase Bank XXXX XXXX department, which she informed that she could not do as well. I told her that I would be filing a complaint against Chase bank with the XXXX, do not close claim until this matter have been resolved via XXXX. Needless to say, the claim has been closed without any resolution or any documentation provided to me from Chase bank. Chase bank employee 's are able to receive a secure message from the mobile able to issues and concerns, however, their is not any means or contacting Chase bank members of management or leadership regarding escalation of complaints or anything. Chase bank is also able to send out email notification to their customers personal email addresses to inform them to check the mobile app for more communication on something, however, the same communication is not recipricated with Chase bank providing their customers with information requested. I'd recently provided Chase bank with a police report on my stolen or lost wallet, computer, phone, etc in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NV

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently response within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. The practice violates 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 Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that CFPB take action to ensure Equifax complies with all federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XX/XX/XXXX, in the amount of {$470.00} collection from XXXXXXXX XXXX XXXX 

XX/XX/XXXX, in the amount of {$620.00} collection from XXXX XXXX XXXX 

XX/XX/XXXX, in the amount of {$120.00} Collections from XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX TX. XXXX Subject : Formal Dispute Under XXXX U.S.C. 1681i ( a ) 6 ( B ) 3 15 U.S.C. 1681i ( a ) 5 ( B ) To Whom It May Concern, I am writing to dispute inaccurate information on my credit report as provided under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which outlines my right to dispute and have inaccurate items investigated. YOU HAVE MY SOCIAL SECURITY NUMBER WRONG. IT DOES NOT END WITH XXXX IT ENDS WITH XXXX!!!!!!! 

The following items appear on my credit report and are incorrect or unverifiable : XXXX. Late Payments ALL APPLICABLE XXXX. Charge-Offs/Closed accounts : XXXX XXXX XXXX XXXX  XXXX and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX  XXXX XXXX. Inquiries : XXXX XXXX XXXX XXXX on XXXX These items are inaccurate, outdated, or otherwise unverifiable. I am requesting that you investigate these accounts promptly and either correct or delete them from my credit report as required by law. 

Enclosed are copies of supporting documentation, including [ a copy of my credit report highlighting the disputed items, identification, and any other relevant evidence ], to assist in your investigation. 

Please provide a written response detailing the outcome of your investigation within the timeframe allowed by the FCRA. If the disputed items can not be verified, I expect their removal from my credit report in compliance with the law. 

Thank you for your prompt attention to this matter. I look forward to your reply. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : * Conducting inadequate investigations that fail to address consumer disputes properly. 
* Reinserting previously disputed and inaccurate information without explanation. 
* Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

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 2025-01-27 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I recently discovered a mistake in my credit report that does not align with my personal records, which has caused me some concern. This inconsistency could potentially affect my credit standing, and I would like it addressed as soon as possible. Please take the time to review my report and correct any errors you uncover. Thank you for your cooperation and for ensuring the integrity of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CreditNinja Lending, LLC
State: FL

Complaint narrative:
I HAVE BEEN TRYING TO SETTLE A DEBT FORGIVENESS DUE TO IDENTIFY THEFT, THEY HAVE BLOCKED MY MULTIPLE EMAILS, ETC. I HAVE TRIED TO BE NICE AND SETTLE THIS LIKE AN ADULT BUT THEY PLAY GAMES LIKE THE XXXX AND THE 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 2025-01-27 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: FL

Complaint narrative:
I am writing regarding XXXX collection accounts that are inaccurately and inconsistently reported on my credit file. These discrepancies demonstrate clear evidence of reporting errors and inadequate investigation on your part.

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 2025-01-27 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Conducting sham investigations failed to property address consumer dispute improper reinvestigation and accurate consumer report stopping me from getting equity loan credit cards and business funding and I would like compensation reimbursement and we added to the lawsuit settlement they went past the 30 days and at some points I did not hear back from them XXXX 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 explanation
Consumer complaint received 2025-01-27 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: DC

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 lagging posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transaction settled with insufficient balances despite initially available funds. I believe these practice 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