vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Bought a truck from a dealer. Dealer let me know it went through their service department. TRANSMISSION- issue MOTOR- cylinder # 6 Is coded All is misfiring. 
Metal shaving on top of cylinders under spark plugs. 
TRUCK didnt STOP going down. Called company 3 days after driving truck. Bought warranty. Difficult to get warrenty to come engine and transmission due to time of new warranty. Company refused to take back truck unless I buy another truck. I am being held hostage to purchase something that I have no trust in. My credit score is down 200 points and was denied a loan. I want to give this truck back and the loan forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXX XXXX - 2024XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a 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 inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have disputed the inaccurate information with XXXX and experian several times. I have never received any letters back stating the outcome of my disputes. These account still appear in my credit report without Andy verification or ownership of accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against Transunion regarding unresolved inaccuracies on my credit report. Despite multiple disputes, the items listed below have been repeatedly verified without proper evidence, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. Disputed Items : 1. XX/XX/XXXX XXXX ( # XXXX ) * Credit Limit Discrepancy : High credit reported inconsistently across bureaus ( {$1600.00} vs. {$1500.00} ). * Payment History Errors : Delinquencies reported incorrectly across periods with no corroborating evidence. 2. XXXX ( # XXXX ) * Credit Limit Discrepancy : Reported limit of {$2000.00} on TransUnion vs. {$0.00} on XXXX. * Payment Status Errors : Reporting of late payments inconsistent across bureaus. XXXX.XX/XX/XXXX( # XXXX ) * Inconsistent Status : Marked as " Paid '' on TransUnion but " Collection/Chargeoff '' on XXXX. * Date Discrepancy : Last activity date varies significantly. 4. XXXX XX/XX/XXXX ( # XXXX ) * Payment Status Errors : Listed as " Paid '' but simultaneously " Collection/Chargeoff. '' 5. XX/XX/XXXX ( # XXXX ) * Chargeoff Misreporting : Account listed as " Collection/Chargeoff '' with unresolved dispute comments. Violations of the FCRA : 1. 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information reported. 2. 15 U.S.C. 1681i ( a ) : Failure to conduct a proper reinvestigation upon dispute notification. 3. 15 U.S.C. 1681i ( a ) ( 5 ) : Obligation to delete or modify unverifiable information. 4. 15 U.S.C. 1681s-2 ( a ) : Prohibition against furnishers providing inaccurate information. 5. 15 U.S.C. 1681n : Willful noncompliance resulting in liability for damages, including punitive damages. 6. 15 U.S.C. 1681o : Negligent noncompliance with provisions of the FCRA. I have requested detailed explanations and evidence of the verification process from the credit bureau, but have not received satisfactory responses. This continued verification without proper evidence is damaging my credit profile and hindering my financial well-being. I request the CFPB 's assistance in ensuring that a thorough investigation is conducted and that the credit bureau provides the necessary documentation to verify the accuracy of the disputed items. If the information can not be verified, I request that these items be removed from my credit report according to FCRA, 15 U.S. Code 1681i. Thank you for your assistance in resolving this matter. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Misleading borrowers about income-driven repayment plans : Navient failed to adequately notify borrowers who enrolled in income-driven repayment plans about the requirement to annually recertify their enrollment. Borrowers were not properly notified that submitting an incorrect or incomplete application to recertify their enrollment could lead to an increase in their monthly payments and delay loan cancellation.

Botching payment processing : Many borrowers had multiple student loans with varying interest rates and monthly payments. When borrowers made payments meant to cover multiple loans, Navient misallocated payments. Navient also misapplied payments made to a particular loan. These errors resulted in late fees, interest accrual, and negative credit reporting. 
Harming the credit of XXXX borrowers, including severely injured veterans : Navient tarnished the credit reports of borrowers who had received a discharge on their federal student loans due to a total and permanent XXXX. 
Deceiving borrowers about Navients requirements for cosigner release : Navient made representations to private loan borrowers that if they paid down their loans in a certain way, they could apply for their cosigners to be released. But Navient did not honor those representations for some borrowers.

Misleading borrowers about improving credit scores and the consequences of federal student loan rehabilitation : For federal student loan borrowers whose loans went into default, Navients debt collection arm promised credit reporting relief to borrowers if they completed a rehabilitation program. Navient failed to deliver on all of the promised relief.

All these things has attributed to a harmful credit score and missed opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
This account does not belong to me. I have disputed this account before and it was not removed.

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

Complaint narrative:
I am writing to formally express my concerns about Zelles handling of disputes, particularly in light of the recent CFPB lawsuit that highlights significant issues with the platform. Despite my frequent use of Zelle and multiple reports of discrepancies, both my financial institution and Zelle failed to properly investigate my claims. I was informed that recovering lost funds was impossible and that tracking these transactions was not feasible. The CFPBs findings reveal that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is deeply troubling and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
I explained to the collection company that theyre constantly calling and emailing me to pay a debit that I didnt have any knowledge about. The amount is {$990.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Asset Recovery Solutions, LLC
State: WY

Complaint narrative:
I attended University of XXXX in 2023. Upon finding out that they are not XXXX certified, I decided to leave the school. Without this accreditation, my education here would be honestly pointless. I had heard from a classmate that she would be unable to complete any internships in the state she was living because of the school not having this accreditation. Therefore, I left and enrolled in a school that is accredited. Before realizing this, I had been mislead by the school entirely. I had utilized XXXX to cover the cost of my courses. I am confused as to why I would owe anything to a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute certain information in my credit report that is a result of identity theft. This dispute is being made under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically Section 605, which requires the removal or blocking of information resulting from identity theft.

These fraudulent accounts and inquiries that I am disputing is documented in my FTC affidavit, which requires by law that you removed these fraudulent accounts from my report at once

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: 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 I authorized transactions. I was charged fees due to lagging posting of charges and credits. This issue aligns with the CFPB findings against Navy Federal Credit Union for similar findings where transactions have settled with insufficient balances despite initially available funds. These practices are unfair and I request further investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've been a victim of several data breaches and as a result of investigation, I discovered that my personal information was found on the darkweb and being sold. This information includes my name, social security number, DOB, drivers license information and address and email information. I've discovered multiple inquiries from companies I have no business with. I have also seen multiple collection accounts from banks and companies I've never done business with. I've asked to prove it was me and they have not responded. Only telling me that it is verified as accurate but with no proof or source to provide to me, It's not fair. I deserve to live a nice life and this problem is preventing that. I trusted these companies with my personal data and its ' not fair that I have to deal with all of this for something that's completely not my fault.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've been a victim of several data breaches and as a result of investigation, I discovered that my personal information was found on the darkweb and being sold. This information includes my name, social security number, DOB, drivers license information and address and email information. I've discovered multiple inquiries from companies I have no business with. I have also seen multiple collection accounts from banks and companies I've never done business with. I've asked to prove it was me and they have not responded. Only telling me that it is verified as accurate but with no proof or source to provide to me, It's not fair. I deserve to live a nice life and this problem is preventing that. I trusted these companies with my personal data and its ' not fair that I have to deal with all of this for something that's completely not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the fair credit reporting act this creditor ( XXXX XXXX XXXX ) has violated my rights. Under XXXX USC XXXX, section 602 states I have the right to privacy. 

XXXX USC XXXX section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. 

Under XXXX USC XXXX a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the fair credit reporting act this creditor ( XXXX XXXX XXXX ) has violated my rights. Under 15 USC 1681, section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the fair credit reporting act this creditor ( XXXX XXXX XXXX  ) has violated my rights. Under 15 USC 1681, section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 systematic 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 XXXX  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 non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: 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 systematic 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 XXXX inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I recently received a copy of my credit report and noted items on my report that are fraudulent accosts and inquiries. I have filed a Theft report with the FTC and have it attached. Please remove the following fraudulent accounts from my credit report. 
XXXX XXXX XXXX XXXX XXXX, in the amount of {$2000.00} XXXX XXXX XXXX XXXX XXXX, in the amount of {$1100.00} XXXX XXXX XXXX XXXX XXXX, in the amount of {$660.00} The following inquiries are included in the fraudulent accounts on my report ; Please remove these also.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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