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: 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: OH

Complaint narrative:
Im getting denied for almost everything because of a false credit report. There is an eviction on my report which I went to court to have disputed and the eviction is still on my records, also my credit card report is stating that it went to collections which is false because Im on a payment plan with making payments on my credit now.

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 status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy Federal wrote off a charged off account but has been reporting it as past due and late payments on the closed account. I'm also paying the collection agency XXXX a month. But they are still reporting late payments since 2023. After they told me call the lawyer and the lawyer said they don't represent navy federal they are Still reporting late payments on closed charged off account. Was it reported to the irs as charged off. Did it reduce tax? They need to fix it and refuse. Then they said profit and loss charge off.

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: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
sofi bank randomly froze my account due to no explanation given and was told the securities team will follow up with me. they did not and no response was given.

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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX Dispute Resolution Team, I am writing to formally dispute inaccurate information that has appeared on my credit report. After reviewing my credit file, I have identified several discrepancies that I believe are erroneous. I am requesting a full investigation into these issues and an immediate correction of any inaccuracies. 
These inaccuracies are in direct violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy and integrity of the data reported. I am aware of similar legal actions involving inaccurate reporting, such as the case in which " The Cupboard '' filed a lawsuit against XXXX for the same recurring issues, where it was found that XXXX failed to accurately investigate or resolve disputes, leading to continued misinformation on credit reports. 
Here are the specific items I am disputing : XXXX XXXX XXXX {$620.00} Protfolio recov association {$370.00} 7 hard inquiries I also request that you provide me with written confirmation of the results of your investigation, including any corrections made to my file.

I expect a timely response within the 30-day period, as required by the Fair Credit Reporting Act, and I trust that these issues will be resolved promptly to ensure my credit report is accurate and reflects only correct information.

Thank you for your immediate attention to this matter. Should you need any additional information or documentation to facilitate your investigation, please do not hesitate to contact me. 
Sincerely, 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: 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: TX

Complaint narrative:
Experian, XXXX XXXX XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian XXXX XXXX alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian XXXX XXXX has niether corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and XXXX 's inaction violates federal law 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 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
Dear XXXX, I used Amex Business Platinum card to book 3 business-class trips using membership rewards points in XX/XX/XXXX, because Amex advertised I can get 35 % points back if I do so. The 3 transactions are : {$4400.00} ( XXXX points ) on XX/XX/XXXX, {$5600.00} ( XXXX points ) on XX/XX/XXXX, and {$9500.00} ( XXXX points ) on XX/XX/XXXX. But I only got the 35 % points back on the first two, but not the third one. That means they failed to credit me back XXXX points, which is worth about {$5000.00}. 

Amex then closed my account on XX/XX/XXXX, and when I called to ask why I did not get the points back for the XX/XX/XXXX transaction, the agent told me she could do nothing now even though I should have get that. 

This is failing to abide by their own advertisement.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been communicating with this company since XXXX XXXX XXXX in an effort to correct vitally important private and personal information that they so carelessly continue to misrepresent on my behalf. In XXXX, I began telling this agency that THEY HAVE INACCURATE and flat out WRONG INFORMATION listed on my credit report. They have yet to correct the items that I requested to be corrected. It is imperative because there are other people who share the same or similar names and addresses as me and I do NOT want to have any of our information mixed up as it has been in the past. This agency has violated every consumer law out there that protects me, my information, and the accuracy in reporting it. I have suffered severe humiliation and financial hardship as a direct result of their negligence. In the seven months that I have been begging them to do right by me, they have YET to even correct my NAME and ADDRESS?!?! This is a gross misuse of authority as a data furnisher and controlling entity. 

According to Cushman v Transunion 1997, this bureau is required to ensure MAXIMUM POSSIBLE ACCURACY. The inaccurate accounts and information continually being reported violates these laws : 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Each item in dispute must be deleted immediately.

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 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 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, 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 proceedingproceeding ( 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 The accounts are * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I WANT REPORTED ACCOUNTS REMOVED

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian is reporting that there are XXXX accounts that are both XXXX and 60 days late. They are also reporting that the last late payment was 1 year and 3 months ago. Both of these remarks are false. Payment history on my report shows XXXX XXXX for all open accounts and XXXX XXXX for all closed account ( which are a part of Bankruptcy filed XXXX XXXX ). I have disputed these remarks with Experian and they have done nothing. XXXX response has been that accounts will remain unchanged.

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: 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 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 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
XX/XX/XXXX I requested deletions from each bureau, with no avail or remedy. 

I am writing to formally notify you that I have been a victim of identity theft, related to the widely publicized Equifax data breach. 

As such, I request your immediate assistance in addressing fraudulent activity associated with my credit report.

Pursuant to 15 U.S.C. 1681c-2 ( a ), I request that you delete all inquiries, and any other fraudulent information resulting from this identity theft from my credit file. This includes, but is not limited to, the following accounts : Inquiries : - 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 Equifax To facilitate your investigation and processing of my request, I am providing the following documents : 1. A copy of a government-issued photo ID ( e.g., drivers license or passport ).

2. Proof of my current address ( e.g., utility bill or bank statement ).

3. A copy of the Federal Trade Commissions Identity Theft Report 4. Notarized verification of my identity and address.

As required by the Fair Credit Reporting Act, you are obligated to respond to this request within four business days of receiving all necessary documentation. I expect confirmation that the requested blocks and deletions have been completed and that my credit report has been corrected.

Please send all correspondence regarding this matter to my address listed above or via email XXXX. 
Should you require additional information or clarification, do not hesitate to contact me directly. 

Thank you for your prompt attention to this urgent matter. I trust that you will act swiftly to protect my rights under federal 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
XX/XX/XXXX I requested deletions from each bureau, with no avail or remedy. 

I am writing to formally notify you that I have been a victim of identity theft, related to the widely publicized XXXX data breach. 

As such, I request your immediate assistance in addressing fraudulent activity associated with my credit report.

Pursuant to 15 U.S.C. 1681c-2 ( a ), I request that you delete all inquiries, and any other fraudulent information resulting from this identity theft from my credit file. This includes, but is not limited to, the following accounts : Inquiries : - 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 To facilitate your investigation and processing of my request, I am providing the following documents : 1. A copy of a government-issued photo ID ( e.g., drivers license or passport ).

2. Proof of my current address ( e.g., utility bill or bank statement ).

3. A copy of the Federal Trade Commissions Identity Theft Report 4. Notarized verification of my identity and address.

As required by the Fair Credit Reporting Act, you are obligated to respond to this request within four business days of receiving all necessary documentation. I expect confirmation that the requested blocks and deletions have been completed and that my credit report has been corrected.

Please send all correspondence regarding this matter to my address listed above or via email XXXX. 
Should you require additional information or clarification, do not hesitate to contact me directly. 

Thank you for your prompt attention to this urgent matter. I trust that you will act swiftly to protect 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 2025-01-24 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: Westlake Services, LLC
State: MS

Complaint narrative:
I am in need of assistance for a XXXX dispute letter for civil liability and negligence non compliance.

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:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed. 
( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hello, I am writing to formally lodge a complaint regarding Experians mishandling of my credit file, specifically their repeated failure to update and correctly report my legal address despite multiple efforts on my part. 

My most recent attempt was on XXXX XXXX XXXX in which contacted Experian by phone and requested a dispute to correct the address listed in my credit report. After successfully completing the security questions, the customer service representative proceeded with updating my address. The next day, I reviewed my Experian report, which stated my dispute was completed and address has been updated. Unfortunately, the incorrect address remained on my file.

On XXXX XXXX XXXX I called Experian to follow up on the matter. Unfortunately, the experience was deeply frustrating and unprofessional. The female representative I spoke with was not only unhelpful but also displayed an unacceptable lack of professionalism. She was combative, blatantly disrespectful, and dishonest. When I challenged her false statements she made while having conversation she abruptly hung up on me, further escalating my concerns about XXXX handling of my dispute. 

XXXX failure to update my address and their representatives behavior have caused significant inconvenience and stress. My ability to maintain accurate records with credit reporting agencies is vital, and Experians inaction and mistreatment are unacceptable. 

I, respectfully request that the CFPB investigate this matter and hold Experian accountable for their actions. Specifically, I am asking for : 1. ) An immediate correction of my legal address on file with Experian to match the address on XXXX and XXXX. 
XXXX. ) A written explanation from Experian detailing why my dispute was not properly resolved. 
XXXX. ) Measures to ensure that consumers are treated respectfully and fairly by Experian representatives.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint 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 that accounts is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1881i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protections 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 then 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.

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