vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 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: MI

Complaint narrative:
Experian has failed to fulfill its legal obligations under the fair credit reporting act to conduct a reinvestigation of disputed information on my credit report, leaving unverifiable accounts unresolved. I have attempted multiple times to request debt validation letters, Experian has failed to do so. It was unsettling how quickly they completed investigations with no results. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These same failures align directly my unsettling experience. Experian has neither corrected, removed disputed items despite my multiple reach outs, evidence, and concerns provided. I have tried all attempts to contact including via phone, website, and letters. This is causing ongoing harm to my credit! I am requesting immediate action to remove or amend the disputed accounts, as Experian inactions violates federal laws and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS
State: AL

Complaint narrative:
This reporting agency is operating unlawfully by reporting this public information on my credit report and it was never validated by the courts or myself. The courts do not send information to any reporting organizations this is false I have never filed a bankruptcy ever this needs to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were XXXX XXXX accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: GA

Complaint narrative:
I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees that I have incurred. Despite having sufficient funds when transactions was authorized I was charged fees due to lagged postings of charges and credits. The issue aligns with the recent CFPB findings against Navy Federal for similar practices, we transaction settled with insufficient balances despite initial 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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Bridgecrest XXXX XXXX XXXX is Inaccurately reporting my XXXX balance to the credit Bureaus such as XXXX ; my loan balance on the vehicle is not the same as reported on my credit. 
As reported on my credit The Balance of the auto loan says {$19000.00} but in regards to the Bridgecrest XXXX app my balance owed is {$19000.00}, In fact this report is Absolutely Inaccurate information ; so in regards to the fair credit reporting act they are violating my rights under 15 U.S. Code 1681i therefore I Request for its removal from my credit report, If so happens it does not get removed i request in writing where exactly my Bi-weekly payments of {$270.00} are going due to only a certain amount is going towards the vehicle itself What is the exact price of interest that XXXX paying on the loan. 
I am requesting the exact breakdown on what does the {$270.00} that I pay Bi-weekly goes too since the beginning of the contract. 
Since the beginning of the loan. 
who is the third-party lender that is applying interest to my loan payment and why thats not being reported to the credit bureau XXXX XXXX. 
report of where the interest payments are going & and a total interest charge other than the vehicle loan itself

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-01-16 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity 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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity 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 2025-01-16 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: FL

Complaint narrative:
I am writing to file a complaint about navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the most recent CFPB finding against navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request and 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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX, XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX RE : Request for Bankruptcy Removal from Credit Report To Whom It XXXX Concern : I am writing to formally request the removal of a bankruptcy entry from my credit report as it no longer accurately reflects my credit history. The information reported is either outdated or unverifiable, and under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and fair credit report. 

The bankruptcy in question is referenced with the following details : Case Number : XXXX Date Filed : XX/XX/XXXX Court Location : XXXX XXXX CT FL XXXX Please investigate this entry and provide verification of its accuracy. If you are unable to verify the information, I respectfully request its immediate removal from my credit file. If the bankruptcy has exceeded the allowed reporting period ( typically XXXX years from the date of discharge ), it must be removed per FCRA guidelines XXXX 

To assist with your investigation, I have enclosed the following : A copy of my credit report highlighting the bankruptcy entry. 

A copy of my government-issued identification and proof of address for verification. 

Please complete this investigation and update my credit report within the legally mandated 30 days. I request a written confirmation of the actions taken. If no action is taken within this period, I XXXX pursue further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal remedies. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To whom it XXXX concern I am writing this letter to dispute the following information account, XXXX Bank XXXX, account # XXXX. Going over my credit report ( XXXX ), I have found it has many errors, including on all XXXX  CREDIT BUREAS. There is different information REPORTING ON ALL THREE CREDIT BUREAS. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. I NEVER AUTHORIZE SUCH ACTION AND THIS CONSTITUTES A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT 604 AS WELL AS A VIOLATION TO MY RIGHTS OF PRIVACY. I am requesting that these items be removed. I respectfully request a copy of any authorizing credit inquiry and sign on my behalf so that I XXXX verify its validity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: VA

Complaint narrative:
I bank with navy federal credit union. I have been a member since 2019. On many occasions I have been charged overdraft fees because the money was not in my account. I spoke with XXXX federal about not letting charges go through so I get charged an overdraft fee but it continued to happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-16 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: FL

Complaint narrative:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EQUIFAX. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : XXXX. Failing to Ensure Maximum Possible Accuracy The FCRA requires credit bureaus and creditors to ensure the accuracy of the information they report. My credit report contains inaccurate entries that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been handled inadequately, demonstrating a failure to meet the FCRA 's accuracy standards. 
XXXX. Inadequate Investigation and XXXX on Automated Verification Systems Under the FCRA, XXXX XXXX. XXXX ( a ) ( XXXX ) and XXXX, creditors and credit bureaus are required to conduct thorough investigations of disputed information. However, my past disputes have been met with automated responses through systems such as e-OSCAR, which do not meet the legal requirements for a full investigation. This approach neglects a comprehensive review of the disputed entries, which perpetuates the inaccurate information on my report. 
XXXX. Failure to Comply with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate account statements and disclose essential account information to consumers. has not complied with TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with XXXX has exacerbated the inaccuracies on my credit report, further violating my rights as a consumer. 
XXXX. Violation of FDCPA Rules on Accuracy and Non-Deceptive Practices The FDCPA requires that debt XXXX and information providers must report accurate and verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, which is a violation of FDCPA protections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Bank account that had XXXX dollars XXXX added XXXX charges of XXXX to account for no reason as the loan agreement was on an authorization for payment on XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: VA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( XXXX ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I am submitting this complaint because I have XXXX authorized user accounts that are incorrectly reporting on my credit profile. These account do not belong to me, and I have requested to be removed from them as an authorized user. 

I have contacted both the credit card company and the credit bureaus XXXX XXXX to request the removal of this account, but it remains on my report. This inaccurate reporting is negatively affecting my credit and causing unnecessary stress. 

I am requesting your assistance in investigating this matter and ensuring that the account is removed from my credit profile as soon as possible. 
Thank you for your attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: AK

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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX Transunion LLC XXXX XXXX XXXX XXXX, PA XXXX RE : Request for Bankruptcy Removal from Credit Report To Whom It XXXX Concern : I am writing to formally request the removal of a bankruptcy entry from my credit report as it no longer accurately reflects my credit history. The information reported is either outdated or unverifiable, and under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and fair credit report. 

The bankruptcy in question is referenced with the following details : Case Number : XXXX Date Filed : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please investigate this entry and provide verification of its accuracy. If you are unable to verify the information, I respectfully request its immediate removal from my credit file. If the bankruptcy has exceeded the allowed reporting period ( typically XXXX years from the date of discharge ), it must be removed per FCRA guidelines XXXX 

To assist with your investigation, I have enclosed the following : A copy of my credit report highlighting the bankruptcy entry. 

A copy of my government-issued identification and proof of address for verification. 

Please complete this investigation and update my credit report within the legally mandated XXXX  days. I request a written confirmation of the actions taken. If no action is taken within this period, I XXXX pursue further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal remedies. 

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

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 non-monetary relief
Consumer complaint received 2025-01-16 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: SC

Complaint narrative:
Experian has not accurately investigated accounts on my report. I filed a dispute in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have sent Mail correspondence to Experian asking for verification but they said it came back accurate but nothing was sent to me stating how. Closed accounts which are not mine and they are as follow, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Please remove as it is hurting my ability to obtain credit under false reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation