vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Dear Equifax, I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : XXXXXXXX XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$6900.00}. 
I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXX  XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$5300.00}. 
I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
In light of the CFPB lawsuit filed against XXXX on XX/XX/XXXX, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation, including the furnishers response, via mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PENTAGON FEDERAL CREDIT UNION
State: DC

Complaint narrative:
Pentagon Credit Union Account Was Paid And Closed : Thank you for contacting PenFed. 

We are committed to supporting you. 

Our records indicate that you paid off the {$500.00} charges on the account ending XXXX on XX/XX/year>. 

On XX/XX/year>, a Paid In Full Letter was scheduled to be emailed to you for your records. 

As a general note, it can take credit reporting agencies up to XXXX days to update your credit report. 

Unfortunately, once we report to the credit agencies the updated changes, it is up to them to make the change effective on their end. 

We apologize for any inconvenience in this matter and wish you the best in the next stages of your life. 

Thank you for your valued time. 

Please feel free to reply if you need further assistance. 

Sincerely, XXXX XXXX PenFed Credit Union

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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
XXXX XXXX XXXX Account Was Paid And Closed : Thank you for contacting XXXX 

We are committed to supporting you. 

Our records indicate that you paid off the {$500.00} charges on the account ending XXXX on XX/XX/2020. 

On XX/XX/2020, a Paid In Full Letter was scheduled to be emailed to you for your records. 

As a general note, it can take credit reporting agencies up to XXXX days to update your credit report. 

Unfortunately, once we report to the credit agencies the updated changes, it is up to them to make the change effective on their end. 

We apologize for any inconvenience in this matter and wish you the best in the next stages of your life. 

Thank you for your valued time. 

Please feel free to reply if you need further assistance. 

Sincerely, XXXX 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 2025-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I ATTEMPTED TO CORRECT MY THE ACCOUNTS BACK ON XX/XX/year> AND I HAVE NOT RECEIVED ANY FOLLOW UP. MY ACCOUNTS ARE NOT BEING INVESTIGATED PROPERLY. I REALLY NEED HELP WITH THIS SITUATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I ATTEMPTED TO CORRECT MY THE ACCOUNTS BACK ON XX/XX/year> AND I HAVE NOT RECEIVED ANY FOLLOW UP. MY ACCOUNTS ARE NOT BEING INVESTIGATED PROPERLY. I REALLY NEED HELP WITH THIS SITUATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Account number # XXXX I hope this letter finds you well. I am writing to bring to your attention an issue I have encountered with XXXX XXXX, regarding a debt they are currently reporting on my credit report. 

Recently, I sent a debt validation request to XXXX XXXX, as I wanted to confirm the legitimacy of the debt they claim I owe. In response, XXXX XXXX provided me with a bill from the original creditor that contradicts their claim. Specifically, XXXX XXXX states that I owe them {$990.00}, while the bill from the original creditor indicates that the outstanding amount is only {$350.00}. 

Furthermore, I noticed some discrepancies regarding the account details. According to the bill from the original creditor, the account was opened in XX/XX/XXXX, whereas XXXX XXXX states that the account was opened in XX/XX/XXXX. Additionally, I requested information on the date of the first delinquency and the date of last activity, but XXXX XXXX was unable to provide this information. 

Given these inconsistencies, I am concerned about the accuracy of the information being reported on my credit report and the validity of the debt XXXX XXXX claims I owe. I have attached the bill from the original creditor for your reference. 

I kindly ask for your assistance in addressing this matter. It is important to me that my credit report reflects accurate and complete information. 

Thank you for your attention to this issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am formally disputing the late payment entries on my credit report : XXXX XXXX XXXXXXXX - XXXX - {$810.00} XXXX XXXX XXXX - XXXX - {$1400.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Hello Ive been trying to dispute negative and incorrect collection on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: 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 overdraft fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal credit Union or 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 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: GA

Complaint narrative:
I received a call from XXXX XXXX XXXX XXXX ( phone # XXXX ) where the rep was asking for my mother. When I tried to get more information about who she was, what company hired them, as well as how they got my number and who updated my mothers ' account since she passed away almost XXXX months ago, she asked me to verify my information. When I informed her of my mother 's passing, she refused to answer my questions and quickly got off the phone. I ended up calling back, spoke with XXXX XXXX, and I asked to be transferred me to their fraud department since someone updated my mothers account with my information, even though our finances were never combined ( I didn't cosign for her and she didn't cosign for me. ) XXXX XXXX transferred me to her supervisor, where I again explained the situation, added that my number has been on the do not call registry for almost XXXX decades, and asked the same above questions. The only information this supervisor provided was that my number was received from a XXXX search on my mother. XXXX XXXX XXXX XXXX should have done more research since another simple XXXX search would have found my mother 's obituary, possibly her death certificate if they tried harder, and that my number was on the do not call registry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On or about XX/XX/year> and XX/XX/year> I called to let them know that there are errors in my personal info and that there are names that are not mine reporting on my credit report. 

During both calls, I was informed that these name would be deleted within XXXX to XXXX hours. 

Upon checking my report today. Those XXXX are still reporting on 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 2025-01-24 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: MS

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 2025-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WILSON & ASSOCIATES, PLLC
State: TN

Complaint narrative:
Received foreclosure letter for foreclosure sale XX/XX/year>. I have not received acceleration of the debt letter or letter to validate the debt form mortgage servicer XXXX XXXX or the foreclosure attorney. XXXX XXXX is my mortgage servicer. Requested mortgage assistance by email to XXXX XXXX I sent my financial information ant the application for assistance. Did not receive denial for mortgage assistance. 
XXXX Foreclosure letter form attorney the week of XXXX XXXX, XXXX this was not 30 days as the state requires for a foreclosure notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

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, 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 ( File No. 2023-CFPB-000X ) 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. 

Accounts : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX Opportunity Financial.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The negative marks are on my credit report, and I asked them to remove them. I am also trying to see why my loans have not come off of my report after 7 years? I do feel that the credit bureaus are a joke and do need to be investigated themselves for reporting inaccurate 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: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Received foreclosure letter for foreclosure sale XX/XX/year>. I have not received acceleration of the debt letter or letter to validate the debt form mortgage servicer Wells Fargo or the foreclosure attorney. Wells Fargo is my mortgage servicer. Requested mortgage assistance by email to Wells Fargo I sent my financial information ant the application for assistance. Did not receive denial for mortgage assistance. XXXX Foreclosure letter form attorney the week of XXXX XXXX, XXXX  this was not 30 days as the state requires for a foreclosure notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This complaint is against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report, Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681i, which mandates a responsible investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial protection Act ( CFPA ), 12U.S.C.5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

I have attached the accounts that Experian for failed to properly investigate my disputes regarding inaccuracies in 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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I was lending XXXX dollars to a vendor and wanted to do a transfer for friends and family but I put gifts and services on PayPal. I wanted to know if I can retrieve the money back. 

This occured on XX/XX/XXXX on my PayPal account : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

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 responds within 24 hours stating that 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX Balance {$16000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance {$270.00} Open Date XXXX XXXX, XXXXXXXX XXXX XXXX, IN Balance {$720.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Balance {$26000.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$360.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX  Balance {$8300.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$1400.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$800.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$760.00} Open Date XX/XX/XXXX inquiries XXXX Date XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief