vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CDI Affiliated Services, Inc.
State: ID

Complaint narrative:
In XXXX CDI Affiliated Services submitted to XXXX XXXX XXXX  a collection account for XXXX XXXX XXXXXXXX XXXX the amount of {$5700.00} for legal fees, bogus charges and rent ( that was paid ). I went to CDI 's website In XX/XX/year> and filed a dispute and provided documentation ( court orders and rent receipts from XXXX XXXX XXXX ) showing I did not owe this and demanding they remove it from collections and remove from XXXX and XXXX. I got no response at all from CDI. In XXXX XXXX XXXX XXXX I disputed on CDI 'S website and filed disputes with XXXX and XXXX. No response from CDI again. XXXX XXXX XXXXXXXX. Dispute resulted in no change finding in favor of CDI. I called CDI the beginning of XXXX XXXX as I still had no response from them. Asked them why they had not responded to my disputes, they said they would look into it. A couple weeks later I was notified that they were not removing the collection or reports and for me to pay what I owed or it would continue ruining my credit and legal action would be taken to collect. I called and asked if they verified the court orders dismissing the case and ordering The XXXX XXXX to cover their own legal fees and expenses and my rent receipts and the told me I owed it, pay it, or else. I have spent the last year disputing this with no success. No one has properly investigated nor provided any proof of investigations. I have provided valid proof I do not owe this and they refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
They charge a late payment of {$24.00} on my card. My credit history is pretty much perfect, from XXXX to XXXX. Still, I didnt receive any notice of a {$24.00} balance on a card o, r I think they sent a statement to the wrong address ; my old address was XXXX years ago, so I wasnt aware of it because I didnt have a static which I think they supposed to send every 30 days before payment is due {$24.00} was on my card to make my points drop XXXX points I did not receive a statement to make me aware that the payment was due for {$24.00} because they sent it to the probably wrong address. I would like them to remove this missed payment. I did not receive a statement to inform me that the payment was due for {$24.00} because they sent the statement to the probably wrong address, this miss payment was XX/XX/year>.

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 2025-01-25 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: NJ

Complaint narrative:
I have been a victim of identity theft. my wallet was stolen when I was on vacation and somebody got my personal information and open a number of accounts in my name, and the credit agencies are reporting these false claim. I have attached my FTC report listing all the negative accounts they are reproting.

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 2025-01-25 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Address of the Credit Reporting Agency ] Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear XXXX 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 XXXX 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.

Please review the Inaccurate Information being Under the FCRA, you are required to : Conduct a proper investigation into my dispute. 
Inform me of the results of your investigation in a clear and comprehensible manner. 

Provide me with any documentation you rely on if the disputed information is verified as accurate. 

Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 

If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 

Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve, this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 

Thank you for addressing this matter promptly. I look forward to your response within the legally mandated XXXX timeframe. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Ct XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX [ Address of the Credit Reporting Agency ] Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear XXXX 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.

Please review the Inaccurate Information being Under the FCRA, you are required to : Conduct a proper investigation into my dispute.

Inform me of the results of your investigation in a clear and comprehensible manner. 

Provide me with any documentation you rely on if the disputed information is verified as accurate. 

Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 

If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 

Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve, this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 

Thank you for addressing this matter promptly. I look forward to your response within the legally mandated XXXX timeframe. 

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 2025-01-25 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : 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  Balance : {$13000.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

XXXX. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : 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 Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the 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 non-monetary relief
Consumer complaint received 2025-01-25 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX  Account # : XXXX Balance : {$510.00} XXXX XXXX Account # : XXXX Balance : {$740.00} XXXX XXXX XXXXXXXX Account # : XXXX Balance : {$2700.00} XXXX XXXX XXXX Account # : XXXX Balance : {$11000.00} XXXX XXXX XXXX Account # : XXXX Balance : {$13000.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : 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 Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: HI

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 2025-01-25 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: NC

Complaint narrative:
Equifax 's, experian, XXXX failure to provide evidence of thorough investigation while claiming the account is accurate violates the fair credit reporting act ( FCRA ), 15 U.S.C 1681i, which requires a reasonable investigation of disputes. Additionally, these actions may breach the consumer financial protection act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) .This is particularly concerning given the consumer financial protection bureau 's ( CFPB ) recent administrative proceeding ( File No. XXXX ) highlighting similar violation by Equifax, XXXX and XXXX. I urge the CFPB to ensure Equifax, XXXX and XXXX adheres to federal law and provides consumer with proper proof of investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/year> : Total costs of XXXX was done unauthorized without awareness by XXXX. It seems my card was connected to someones XXXX account which led to these transactions being committed without my authorization. I have contacted my bank waiting to see whether these are refunded but due to Wells Fargo reputation its best assumed that itll most likely be my fraud claim is denied.

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 2025-01-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to express my concern regarding Experians failure to address and resolve my previous disputes within the 30-day period required under the Fair Credit Reporting Act ( FCRA ). I submitted a dispute regarding inaccurate child support debt, I have not received a response or resolution.

Under FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ], consumer reporting agencies are required to investigate dispute
s and provide the results within 30 days. Experians failure to comply with this requirement constitutes a violation of federal law.

To ensure compliance with the FCRA and to protect my rights as a consumer, I am requesting the following : 1. Removal of the disputed item from my credit report, as Experian has failed to verify the accuracy of this account within the legally mandated timeframe.

2. Written confirmation of the investigation results or the accounts removal.

This letter also serves as notice that if Experian does not resolve this matter promptly, I will escalate my complaint if necessary, pursue legal action for noncompliance. 

Please note that my original disputes are still open in my account with the CFPB, proof of submission, and any supporting documentation for your reference. I expect this matter to be resolved without further delay and look forward to your response within 15 days. 

Thank you for your attention to this urgent matter. Should you require additional information, I can be reached at XXXX 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 2025-01-25 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: SC

Complaint narrative:
I'm writing to follow up on my previous complaint to TransUnion. I've attached my FTC report for the first negative item, XXXX XXXX XXXX. This tradeline is illegal and needs to be removed as it violates the Fair Credit Reporting Act ( FCRA ). The company does not have any official documents or chain of title. XXXX XXXX has been removed from all other credit companies ( XXXX, XXXX ). I've attached that below as this company has admitted and verified that they have no 1099-K for this alleged debt that is not mine. They have sold this secured debt to a trust and there is no assignment or title. I have never done business with this company. How is it that your investigation comes back verified but it does not meet FCRA to the other credit bureaus? You all have to abide by the law. The XXXX inquiries that have attached are all fraud and I am disputing all inaccuracies within these negative items. These inquires were not done by me at all. I am victim of Identity Fraud and these accounts are not mine. I reuqest you investigate every account and inquiry I hacve attached to this complaint and remove these tradelines as this is hurting my credit worthiness. Additionally, I am aware of the CFPBs recent judgment against TransUnion for failing to provide accurate and fair reporting of consumer credit information. This judgment further underscores the importance of ensuring my credit report is corrected promptly.Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and resolve disputed items on my credit report within 30 days. I kindly request a written response confirming receipt of this dispute and a detailed explanation of the outcome of your investigation.I have also contacted my local police department and filed a report about this identity theft incident. Despite this, XXXX XXXX XXXX refuses to comply with the law by continuing to report this fraudulent account on my credit profile. Lastly, you have all wrong adresses on my report, pls remove these and use the one I have attached as this is my real adress. These fraudelent accounts are attached to this adresses.

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 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I am filing this complaint because Chase Bank has wrongfully withheld my funds and closed my account following a flagged deposit by their fraud protection unit. At the end of XX/XX/year>, I deposited multiple money orders totaling {$16000.00} into my Chase Bank account. Shortly after, my account was flagged, and all funds, including a total balance of approximately {$35000.00}, were frozen. 

Chases fraud protection team requested that I submit receipts in person to verify the deposits, which I promptly did. Despite complying with their request, Chase later informed me that they could not use the receipts to verify the deposits. 

Upon further communication with their fraud team, they stated that they were able to verify the money orders from XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. However, they were unable to verify the USPS money orders because their policy requires verification over the phone, which USPS does not accommodate. Chase acknowledged that USPS money orders could not be verified by phone, but they have not offered any alternative solutions to resolve the issue. 

This issue has been ongoing for over XXXX months, despite my repeated attempts to cooperate and provide the necessary documentation. I am now left with no access to my funds, which are crucial for my financial needs. Chase has failed to provide a valid reason for withholding my funds or offer a resolution to this matter

Company response to consumer: Closed with explanation