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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I begin getting phone calls, letters from these creditors. I provided my correct nformation to XXXX, Experian and XXXX along with my identification, the police report, corrected social security number and contact information. There was no investigation done. The information I gave to them verifying that the accounts were not mine, they updated my account with the correct information and passed it to the creditors that I was disputing. Hence, the demand for payment calls, a bounty hunter who threatened to come to my job if I didn't pay, letters and emails are now coming. Collection agencies are harassing for these accounts as well. 
I spoke with representatives from XXXX, XXXX and Experian. Had them take names of unknown people off of my report as well as my ex husband, correct the misspellings, incorrect social security number and addresses, etc. 

The fraudulent accounts were apparently opened during XXXX 

I had to put a freeze on the XXXX, XXXX and Experian. I was going to pay just to be done with it. It's not fair. I was advised by legal team to reach out to your department prior to me hiring them.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: KY

Complaint narrative:
On XX/XX/year>, my bank made an automatic payment to my student loan provider for {$160.00}. Mohela only credited my account {$50.00}. In late XXXX, I received notice that my loan was past due. I contacted the company via phone on XX/XX/XXXX and emailed the same day to correct the mistake. I was told to call back and talk to an account supervisor on XX/XX/XXXX. I uploaded XXXX documents from my bank which showed the correct payment- my bank statement and the payment confirmation. I spoke to someone on the morning of XX/XX/XXXX who assured me this would be reviewed and resolved within 10 days. She told me she would put my loan into forbearance until this is resolved so I would not be charged interest for the missing amount. I emailed on XX/XX/XXXX and uploaded the documents again since they disappeared from the inbox. I have had NO response. Today, I checked my account and not only have they not responded, but the payment hasnt been credited and interest is being charged again. I emailed them again tonight but I do not expect to get a response.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, XXXX 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, XXXXXXXX XXXX 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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX 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
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: FL

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 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.

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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am outraged by the blatant disregard for legal compliance demonstrated by the unwarranted and unauthorized reinsertion of a fraudulent tradeline on my credit report. This act is a flagrant violation of the Fair Credit Reporting Act ( FCRA ) and exposes a gross negligence in your duty to manage sensitive credit information responsibly.

Inadequate Investigation : XXXX has failed to conduct the necessary and reasonable investigations into the fraudulent accounts, despite provided evidence and documentation.

Maintenance of Inaccurate Information : XXXX continues to list unverified and inaccurate information on my credit report, in clear violation of FCRA mandates.

Failure to Notify Information Furnishers : XXXX has not fulfilled its obligation to notify furnishers of the disputed information, further complicating the resolution process.

Failure to Conduct a Reasonable Investigation : XXXX has not conducted a reasonable investigation into the fraudulent accounts reported, contrary to the obligations set under FCRA Section 611 ( 15 U.S.C. 1681i ).

Negligence in Maintaining Accurate Information : XXXX continues to report inaccurate and unverified information on my credit report, a clear violation of FCRA Section 623 ( 15 U.S.C. 1681s-2 ).

Failure to Notify Furnishers of Information : XXXX has not adequately notified the furnishers of the information about my disputes as required, hindering the resolution of these fraudulent issues. Negligence in Maintaining Accurate Information ( FCRA, Section 623 [ 15 U.S.C. 1681s-2 ] ) : The continued presence of these unverified accounts on my credit report demonstrates a lack of due diligence on your part to maintain accurate information.

Notification and Procedure Failures ( FCRA, 1681i ( a ) ( 3 ) ) : There has been a failure to properly notify the furnishers of the information about my disputes as required by law, impeding the resolution of these issues. Blocking of Fraudulent Information ( FCRA, Section 605B ) : You are required to block fraudulent information within four
business days of receiving an identity theft report, which has not been observed.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello. 

Since XXXX, I have been sending letters to XXXX, Equifax, and XXXX XXXX asking them to remove some incorrect information from my credit report. I disputed fake names of XXXX XXXX, XXXX XXXX, and XXXX XXXX. I also disputed addresses that never belonged to me of XXXX XXXX XXXX, and XXXX XXXX XXXX. I then disputed other accounts which I knew were past the statute of limitations.

Since then, I have only ever received notices from XXXX XXXX with investigation results and all the deletions I have requested. I have received nothing but crickets from XXXX and Equifax... 

After some research as to how I should proceed with companies that do not respond, I come across articles that say your agency just happened to sue both Equifax and XXXX this month with conducting sham investigations or failing to investigate properly for two years! Apparently, they have been doing this to not only me, but to many others as well. Thank God for the C.F.P.B. I say! 

Please help me to get XXXX and Equifax to remove these names which aren't me and addresses which also are not mine from my report. People shouldn't have to resort to lawsuits to get simple issues like this resolved. It's obvious I can't be me as well as XXXX, XXXX, and XXXX. I also shouldn't have to dispute things over and over and over without a response. I only wish you would have punished them for more than XXXX XXXX apiece. These are conglomerates and should have to feel the suffering and pain us people feel when lies and misinformation are spread about them and the company in charge of keeping accurate records doesn't care about fixing them.

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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Experian has multiple inquires and NON-MAILABLE ADDRESSES AND NAMES on my consumer report that I do not recognize.

Experian has violated my rights due to reporting inaccurate information on my consumer report. 15 usc1681states that it is a grave responsibility to report fair and accurate credit reporting. Inaccurate reports directly impair the efficiency of the banking system and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system Experian did not exercise their grave responsibilities with fairness, impartiality, or respect for my consumer right to privacy.

Experian did not adopt a reasonable procedure for meeting the needs of commerce for consumer credit.

Experian also violated my rights according to the Privacy Act of 1974.

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: PA

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 disputed items despite the evidence | 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.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institute and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety

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: 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 Credit 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 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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Im filing a complaint because theres incorrect information on my credit report. There are accounts showing up that arent mine and probably belong to someone else. This mix-up is hurting my credit score and making my ongoing issues with fraud and identity theft even worse. It feels like my rights as a consumer are being violated, and its damaging my financial reputation. Please make this a priority and ensure my credit report only shows accurate, legitimate 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 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: CA

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 proceeding ( File No. 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. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer. 

XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX Unfortunately the full account numbers are not showing on my report.

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: VA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding Overdraft fees. Despite having sufficient funds available when transactions were authorized, I was still charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against NFCU for similar practices where transactions settled with insufficient balances despite having available funds. I believe these practices were done in bad faith and would like that issue to be rectified. During the time frame of XXXX I reached out to the company to discuss the matter and was often met with resistance stating that funds were not available so the fee was assessed even when funds were in fact available.

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: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I got addresses I don't know and some from 10 to 15 years ago phone numbers I don't recognize

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS PURSUANT TO 15 USC 1681c-2 ( a ) ** Dear TransUnion Customer Service , I am writing to demand the immediate blocking and deletion of all fraudulent accounts and inquiries that have appeared on my credit report as a result of identity theft. As a victim of a data breach, I invoke my rights under 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ) to have all unauthorized information permanently removed from my file.

The fraudulent entries I have identified are as follows : Fraudulent Accounts : 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 Unauthorized Credit 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 XXXXXX/XX/XXXX Under federal law, you are required to block this information from my credit report upon confirmation of identity theft and provide written confirmation of its removal. You are also obligated to notify me of the outcome of your investigation, including the evidence used to determine the validity of any reinstated information.

I have included the following documentation to assist with your investigation : A copy of my government-issued ID Proof of address A copy of a police report or FTC Identity Theft Report Your companys negligence has already caused me undue harm, and I will not accept further delays or inadequate responses. If this issue is not resolved promptly, I am prepared to escalate my concerns to the Consumer Financial Protection Bureau ( CFPB ), state attorneys general, and other relevant authorities to ensure that my rights are upheld.

This matter requires your immediate attention. Please provide a written response and confirmation of the actions taken within the legally mandated timeframe. If additional information is required, you may contact me at [ Your Phone Number ] or [ Your Email Address ].

Thank you for your prompt compliance. 
Sincerely, XXXX XXXX XXXX XXXX XX/XX/XXXX Enclosures ID Proof of Address SSC FTC

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