vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have been reporting disputes on my accounts since XXXX XXXX and nothing has been done about it. What is on my account is wrong. They keep taking it off and putting it back on with a different date. My information has been leaked to the dark web and I cant get any credit because my credit score stays low for almost 30 years now with the same information on it. Ive been trying to call them and get it off but they only say that its verified they will not give me anything to dispute it with. I have reached out to the companies. They never give me a wet signature or any dates that they got these so-called debts and I dont know what to do now my credit has not gone up in 30 years because of XXXX and XXXX and I never had an account with XXXX There are countless addresses on my report that Ive never lived at and there was even a second Social Security number on my report that I had to have removed. Ive never lived in Texas. Ive always lived in XXXX XXXX XXXX XXXX XXXX but my credit remains in the XXXX range because the disputes wont go through.

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: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
Requested to return original title to vehicle via XXXX  return envelope enclosed in XXXX envelope. 

Returned same date received which was on XX/XX/XXXX. Delivery date was estimated for XX/XX/XXXX. 

When I called in to confirm receipt of original title, the service representative noted that the envelope was lost and theyre unable to track. I was informed to wait and see and that was the only option provided then I was transferred per my request to escalate and then I was placed on hold until someone answered and immediately hung up on me knowing Im helpless to their behavior.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing a complaint with Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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 ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to make sure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Report- XXXXXXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
A thorough review of my credit record has revealed concerning late payment entries that require immediate attention. Despite my proactive approach in addressing this issue by sending letters over 30 days ago requesting clarification and validation, I have received no response or satisfactory explanation. This ongoing silence and lack of proper validation has left these disputed entries unresolved 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 non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I sent a letter to the company explaining that I was a victim of XXXX XXXX in 2024, which forced me to take on debt in my name. Before this, I always paid on time and had no late payments. I asked if the company could help by waiving the balance that wasnt truly my responsibility and fixing the credit reporting for the account. I have not heard anything back from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: 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 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 ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I have marked inaccurate : Collection account from XXXX XXXX with account number # XXXX and a balance of {$4700.00}. The original creditor is XXXX XXXX XXXX  XXXX XXXX. I never had a contract with this debt collector for any debt. Please delete this account. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$890.00}. The original creditor is XXXX XXXX. I never had a contract with this debt collector for any debt. Please delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The persistent presence of fraudulent and inaccurate information on my consumer report continues to cause significant disruption in my life, despite my numerous attempts to resolve these issues. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, yet their ongoing presence has generated immense stress and XXXX  while severely impacting my financial stability and everyday wellbeing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
WELLS FARGO has my account pending for closure 0n XXXX and holding my payroll that deposited today XXXX. I can not get my money. My account was at risk because I deposited a XXXX XXXX MONEY order that had a stop payment on iit that has now been corrected. I complained to you, the CFPB regarding this issue where XXXX mistakingly placed a stop payment and I did not know it. Wells Fargo sent me a email stating my account was under review by the executive complaint department. This is not fair that they are closing my account, further holing my money. They no better thatn XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: 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 I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging posting of credits and charges. This issue aligns with the recent CFPB findings against Navy Federal Creidt Union 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 2025-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
I am complaining about a debt account posted on my XXXX credit report by Credence Resource Management debt collector. Credence Resource Management falsely and inaccurately reported the following information to XXXX : Amount : {$200.00} Original creditor : XXXX Date opened : XXXX XXXX. 

However, I never used XXXX  as my cell phone or internet service career during the period mentioned on the report. In fact, I was with Visible by XXXX. 
Also, as of XXXX XXXX XXXX ; I have received a confirmation from XXXX stating that they have removed the account from their reporting as well. 

I have tried to contact Credence Resource Management to provide more information such as but not limited to verifying the debt, and they failed on multiple attempts.

Company response to consumer: Closed with non-monetary relief
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: MD

Complaint narrative:
I am writing to file a complain against Navy Federal Credit Union regarding muliple overdraft feess i have incurred. despite having sufficient funds when transactions were autorized, i was charged fees due to lagged possting of charges and credits. Thiss issue alignss with the 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 an investigation ito 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 2025-01-24 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: NC

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges, and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances, despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: 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 transitions were authorizeds.I was charged fees due to lagged posting of charges and credits. This issue alines with the resent CFPB findings against Navy Federal for similar practices, where transitions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transitions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent a letter to the company explaining that I was a XXXX XXXX XXXX XXXX in XXXX which forced me to take on debt in my name. Before this, I always paid on time and had no late payments. I asked if the company could help by waiving the balance that wasnt truly my responsibility and fixing the credit reporting for the account. The response I received was simply a " no. '' How can they hold someone liable for debt they were forced into due to XXXX XXXX?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has re-reported the XXXX XXXX XXXX  account, which was previously removed, without providing the required 5-day notification as mandated by 15 U.S. Code 1681i ( a ) ( 5 ) ( B ). This blatant violation of federal law is unacceptable.

For over three years, I have requested verifiable proof that this account belongs to me. Equifax has failed to provide any documentationno signed agreements, no billing statementsnothing to support the validity of this account. Relying on Metro 2 automated data and AI systems instead of producing real evidence violates 1681b and 1681s-2 ( a ).

The data Equifax is reporting is also fraudulent. The account allegedly opened in 2014, with the last payment recorded in 2018. This exceeds the 7-year reporting limit under 1681c ( a ) ( 4 ). Additionally, the account is falsely listed as " 10 months 30 days old, '' which is inaccurate and deceptive.

Equifax has already caused immense harm to me as a victim of their data breach, and this reckless mishandling of my credit report further damages my financial standing. I demand the immediate and permanent deletion of this account.

Equifaxs continued failure to follow federal laws and properly investigate disputes demonstrates negligence and disregard for consumer protection. This account must be deleted without delay. I am prepared to escalate this matter further if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are XXXX separate XXXX XXXX XXXX on my report which are inaccurate. I asked Transunion to remove them because they were dropped/dismissed without any debt attached to them so they don't hold the same weight as a bankruptcy that has been completed. I sent in the dispute on XX/XX/XXXX they responded back that the information was verified the next day which lets me know that the dispute was not investigated at all. 
The Bankruptcies are XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: 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 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against equifax for failing to properly investigate my disputes regarding inaccurate in my credit report. Despite my submission, equifax consistently responds within 24 hours the accounts are accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act 15 U.S.C 1681i, which mandates a resealable investigation of disputes. As highlighted in the recent administrative proceedings ( file No. 2025-crib-0002 ) against them for similar violations. I request that the cfpb take action to ensure equitax complies with the federal law and provides consumers with the necessary proof of investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The persistent presence of fraudulent and inaccurate information on my consumer report continues to cause significant disruption in my life, despite my numerous attempts to resolve these issues. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, yet their ongoing presence has generated immense stress and anxiety while severely impacting my financial stability and everyday wellbeing.

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: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credit Control, LLC
State: LA

Complaint narrative:
The debt in question is not my debt and the accounts are constantly being exchanged to new collection agencies. I get constant repeated harassing emails to clear a debt that's not mines.

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: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC.
State: ND

Complaint narrative:
I contacted Ally bank on XX/XX/year>, XX/XX/year>, XX/XX/year> to unlock my account and update my information ( my new phone number ) because I recently had my number changed and am unable to get into my account and they keep saying they cant get into my account and its something they cant help me with and someone will contact me within 1 to 2 business days and every time I never received the call, Im trying to get into my account and access my account and money and they have me locked out of my account and I am unable to get back into my account and they are not giving me a law or a reason they have locked me out.

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