vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: TN

Complaint narrative:
Experian 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 Experian, 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 has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, 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 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 Experian 's inaction violates federal law and my rights as a consumer. 
+ ( CFPB ) has recently filed a lawsuit against Experian, 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 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 Experian 's inaction violates federal law and my rights as a consumer. 
+ XXXX ( CFPB ) has recently filed a lawsuit against Experian, 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 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 Experian 's inaction violates federal law and my rights as a consumer. 
+ 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 2025-01-28 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 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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-28 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: OH

Complaint narrative:
I HAVE FRAUDULENT NAMES ADDRESSES ON MY CONSUMER REPORT THAT ARE DONE BY FRAUD ACCORDANCE TO 15 USC 6801a PROTECTION OF NON PUBLIC PERSONAL INFORMATION ALSO 6802 OBLIGATION WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION TO USC 1681abc PERMISSIBLE PURPOSES OF CONSUMER REPORTS I NEVER RECEIVED A CERTIFIED LETTER FROM XXXX TRANSUNION XXXX GIVING THEM CONSENT TO FURNISHED THESE FRAUD ITEMS ON MY CONSUMER REPORTS PLEASE VERIFY THE LETTER ACCORDANCE 1681S2 AND SEND IT TO MY CORRECT ADDRESS AND SEND AND UPDATED CREDIT REPORT WITH THE FRAUD NAMES ADDRESSES DELETEDTO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX AND MY XXXX GIVEN NAME IS XXXX XXXX XXXX you are breaking the law twice with 18 usc 1028abc AGGRAVATED IDENTITY THEFT PLEASE DELETE FRAUD NAMES ADDRESSES 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 THX SIRS MAAMS XXXX BLESS

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I HAVE FRAUDULENT NAMES ADDRESSES ON MY CONSUMER REPORT THAT ARE DONE BY FRAUD ACCORDANCE TO 15 USC 6801a PROTECTION OF NON PUBLIC PERSONAL INFORMATION ALSO 6802 OBLIGATION WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION TO USC 1681abc PERMISSIBLE PURPOSES OF CONSUMER REPORTS I NEVER RECEIVED A CERTIFIED LETTER FROM XXXX XXXX EQUIFAX GIVING THEM CONSENT TO FURNISHED THESE FRAUD ITEMS ON MY CONSUMER REPORTS PLEASE VERIFY THE LETTER ACCORDANCE 1681S2 AND SEND IT TO MY CORRECT ADDRESS AND SEND AND UPDATED CREDIT REPORT WITH THE FRAUD NAMES ADDRESSES DELETEDTO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX AND MY GOD GIVEN NAME IS XXXX XXXX XXXX you are breaking the law twice with 18 usc 1028abc AGGRAVATED IDENTITY THEFT PLEASE DELETE FRAUD NAMES ADDRESSES XXXXXXXX XXXX XXXX XXXX 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 XXXX XXXX THX SIRS MAAMS XXXX BLESS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: HI

Complaint narrative:
My credit score keeps decreasing and when I disputed certain items it came back unfounded. 
My interests rates are high and should not be legal

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 2025-01-28 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: NC

Complaint narrative:
I am disputing the inaccurate reporting of late payments on my XXXX account. XXXX has already updated this account to reflect never late due to XXXX system errors that caused the reporting inaccuracies. I request that you follow suit and correct this error promptly, as it is negatively affecting my credit score. 

As outlined under the Fair Credit Reporting Act ( FCRA ) and reinforced by cases like XXXX XXXX XXXX XXXX, credit reporting agencies are obligated to ensure the accuracy of consumer reports and correct any errors swiftly upon discovery. Additionally, the CFPB has documented issues with Experians failure to adequately investigate disputes in the past, which has led to lawsuits and complaints about mishandling credit inaccuracies. 

Please conduct a thorough investigation and update my account to reflect accurate information, ensuring it reports as current with no late payments. Attached are any relevant documents to assist with your review. I expect confirmation of the resolution of this dispute within the FCRAs required 30-day time frame.

Thank you for your prompt attention to this matter.

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 2025-01-28 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-28 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: NY

Complaint narrative:
I am writing to formally dispute the accuracy of information reported on my credit report regarding the account with XXXX XXXX XXXX. This account is currently reflected as charged off and inaccurately displays an inflated balance, which does not align with the settlement agreement made between myself and the creditor. 

Specifically, I had entered into a settlement agreement with XXXX and was making monthly payments as agreed. However, the final payment was not deducted from my account and I was unaware of this issue until I recently discovered that the balance reverted to an amount higher than what was agreed upon. Furthermore, my debt has been sold to two different third-party agencies, which is a potential violation of debt collection practices and federal law. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Veros Credit, LLC
State: SC

Complaint narrative:
Hi, Please see attached for supporting factual documents which must be adhered to by applicable laws. 



There were 2 advanced payments which reflects on credit report which Veros Credit confirms this made before the due date to be ahead of time. 



As you can see as shown on contract the first due wasnt until XX/XX/year> but repossessed in XX/XX/year> which Veros Credit confirms by reporting to Credit Bureau that they repossessed vehicle in XX/XX/year>. 



Veros Credit then states that it was reported on XX/XX/year> I was not informed vehicle would be repossessed or sold in auction. 



XX/XX/year> Veros Credit called demanding a payment of {$960.00} and later called again requesting another payment of {$530.00} to Redeem the vehicle which covered 3 monthly payments of {$470.00}. 



This vehicle was wrongfully repossessed and I am asking for the account to be fully DELETED from my consumer report IMMEDIATELY or I will seek legal action!! This has caused damages to my report file. 



After this vehicle was sold in auction XX/XX/year> Veros Credit reported there was a {$0.00} due to the credit bureau even though they are still reporting the total amount for the original loan which is prohibited by law which is also stated in the original contract states on page 3 of 5 section e-g that they would not report any incorrect other than the amount that was not covered in auction sale. 



In accordance to Fair Credit Reporting Furnisher of Information Veros Credit everything has to be 100 % accurate. 



15 U.S.C. 1681b 15 U.S.C. 1681i 602 A I have the right to privacy 15 U.S.C. 1681i 604 A section 2 A consumer reporting agency can not furnish an account without my written consent Section 609 of the Fair Credit Reporting Act ( FCRA ) items MUST BE DELECTED that are inaccurate, incomplete, or unverifiable ACCOUNT MUST BE DELETED FROM MY CREDIT PROFILE to adhere to regulations and laws

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) XXXX  ACCOUNTS : XXXX AUTO : Account number - XXXX _____________________________________________ INQUIRIES:15 USC 1681i 15 USC 1681b - XXXX  XXXX XXXX XXXX AUTHORIZED USER XX/XX/XXXX. 

XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Oct 2026 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1692g 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I asked XXXX and the other two reporting companies to remove my Hard Inquires, late payments, and the closed account which is affecting my score and my chances of getting a business loan for my company. I told them that they violated my rights under 15 U.S. Code1681 ( c ) 2, 15 U.S.Code 1681, 15 U.S. Code 1666, 15 U.S. Code 1666 ( b ), Experian even locked me out of my account and said I had to pay to access any of my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I asked XXXX and the other two reporting companies to remove my Hard Inquires, late payments, and the closed account which is affecting my score and my chances of getting a business loan for my company. I told them that they violated my rights under 15 U.S. Code1681 ( c ) 2, 15 U.S.Code 1681, 15 U.S. Code 1666, 15 U.S. Code 1666 ( b ), Experian even locked me out of my account and said I had to pay to access any of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : URGENT DEMAND FOR DELETION OF INACCURATE COLLECTION ACCOUNT ( No. XXXX ) VIOLATIONS OF FCRA, STATE LAW, AND CFPB CONSENT ORDER To Whom It May Concern : I demand the immediate deletion of the fraudulent and defamatory collection account ( No. XXXX ) from my credit file. This account violates the Fair Credit Reporting Act ( FCRA ), state consumer protection laws, and the CFPBs consent order against XXXX ( CFPB XXXX XXXX, XXXX ). Failure to comply will result in legal action for statutory damages, punitive penalties, and regulatory escalation. 

Egregious Violations Fabricated Past Due Debt : The account claims a {$750.00} past due as of XX/XX/XXXX a future date as of this letter. This is factually impossible and proves the data is fabricated. 

FCRA 607 ( b ) : Requires maximum possible accuracy. Reporting future debts violates this. 

Chronological Inconsistencies : Opened XX/XX/XXXX, yet payment history shows C ( current/paid ) marks from XX/XX/XXXX to XX/XX/XXXX, conflicting with the collection status. 

Terms : 1 Month is nonsensical for a cell phone account, which is typically a monthly service. 

Reinsertion Without Notice ( FCRA 611 ( c ) ) : If this account was previously deleted and re-reported, XXXX failed to notify me in writing within 5 days, violating federal law. 

CFPB Consent Order Violations : The CFPBs XXXX lawsuit penalized XXXX for failing to maintain reasonable procedures to ensure accuracy. This account exemplifies the same misconduct. 

Legal Demands Permanently delete Account No. XXXX within 5 business days.

Certify in writing that all inaccurate data has been erased. 

Send me a revised credit report confirming deletion. 

Failure to Comply Will Result In : CFPB/FTC Complaints : Citing Experians ongoing violations of the XXXX consent order. 

State Law Claims : Consumer Protection Act ( e.g., deceptive practices, defamation ). 

Lawsuit for Damages : FCRA 616 : Willful noncompliance ( up to {$3500.00} in statutory damages + attorney fees ). 

Punitive Damages : For reckless disregard of accuracy.

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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with errors resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation