vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX consumer dispute center po box XXXX XXXXXXXX XXXX XXXX Subject : Dispute of Charge-Off Account XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX This letter is to formally dispute the charge-off account listed on my credit report under account number XXXX [ Choose ONE of the following options and tailor it to your specific situation : ] * Option 1 : Dispute Accuracy * " I believe this charge-off is inaccurate. 15 usc 6802 e.g., " I believe the account was paid in full, '' " I dispute the amount owed, '' I request that you investigate this matter and update my credit report accordingly. '' * Option 2 : Dispute Validity * " I dispute the validity of this charge-off. [ Briefly and clearly state your reason for dispute, e.g., " I believe the debt is beyond the statute of limitations, '' " I believe the debt w

as discharged in bankruptcy. '' ] I request that you investigate this matter and update my credit report accordingly. '' * Option 3 : Dispute Reporting * " I dispute the reporting of this charge-off. [ Briefly and clearly state your reason for dispute, e.g., " I believe the charge-off was reported before the account was officially charged off, '' " I believe the charge-off was reported to the wrong credit reporting agency. '' ] I request that you investigate this matter and update my credit report accordingly. '' I am enclosing copies of [ list any supporting documentation, e.g., payment receipts, proof of bankruptcy discharge, etc. ].

Please investigate this matter promptly and provide me with written verification of the results of your investigation within [ timeframe, e.g., 30 days ] as required by the Fair Credit Reporting Act ( FCRA ) .15 usc 6802 Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-23 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-01-23 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: Kovo
State: LA

Complaint narrative:
I filed a dispute on # XXXX, KOVO INC due to the reason you selected in your original disputeXX/XX/XXXXdenied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XX/XX/XXXX ) .They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }. XXXX violates my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX, I couldn't log in to my Citi bank while I was in XXXX XXXX, which eventually blocked me from logging in. I tried to change the password through international calls but every representatives only tossed me to another and not supporting to solve the issue. What they told me is that they can not verify me because I am not using the phone number from the account information. Of course I am not using it because I am outside of the states. 
Now that I am back in the states, with a new phone number, I updated thephone number at a nearby branch today, XX/XX/XXXX, which went successfully. 
However, even though I typed in the required infos ( debit card number and account number ) correctly, I can not change my password since my access is blocked. 
I called their customer services but all they say is that my account is clean and no indication of blocked access appears, while I am looking at the screen that says my access is blocked. They made me wait on line trying to transfer me to another department, which they never classify what it is. 
All I am trying to do is gain access to my account and pay my rent. 
I forgot my password because I am used to Face ID. That is my fault. 
However, the whole process of regaining access to my own account, which has more than XXXX should never be this idiotic.

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 2025-01-23 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: SC

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 belive 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 2025-01-23 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 Experian for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within XXXX 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, Experian '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 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, Experian '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 XXXX XXXX XXXX XXXX XXXX against 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. These are the accounts that I marked inaccurate XXXX XXXX XXXX and 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 explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax Data breach I asked them to remove items that did not belong to me that are still on my credit report and its affecting me getting approved for a car or credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Obsolete/Incorrect Information in My Credit Report Under 15 USC 1681c and Non-Receipt of Form 1099-C Dear Credit Bureau I am writing to dispute inaccurate and potentially obsolete information that appears on my credit report, in accordance with 15 USC Code 1681c of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the continued reporting of an account that I believe should no longer be included. 

The account details are as follows : Creditor Name : XXXX  XXXX Account Number : XXXX Date of Delinquency/Charge-off/Closure : XX/XX/XXXX Nature of Dispute : The debt in question should have been removed due to the passage of the [ seven-year ] reporting limit under 15 USC Code 1681c. Furthermore, I never received a Form 1099-C for the alleged cancellation of debt, which raises questions regarding the validity and status of this account.

Since I did not receive a Form 1099-C, there is no record that this debt was officially canceled or forgiven. This lack of documentation further supports my belief that the information is either obsolete or inaccurate and should not be included in my credit file. 

I request that you : 1. Immediately remove the outdated or incorrect account from my credit report. 
2. Conduct a thorough investigation to verify the accuracy of this information and determine why a Form 1099-C was not issued.

3. Provide me with written confirmation that the disputed information has been removed or corrected once your investigation is complete. 

Under the FCRA, you are required to investigate this matter and correct any inaccuracies or outdated information within 30 days. Please consider this letter a formal dispute. 

I have enclosed a copy of my credit report with the disputed item highlighted, as well as copies of identification documents to verify my identity. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the erroneous information has been removed from my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Obsolete/Incorrect Information in My Credit Report Under 15 USC 1681c and Non-Receipt of Form 1099-C Dear Credit Bureau I am writing to dispute inaccurate and potentially obsolete information that appears on my credit report, in accordance with 15 USC Code 1681c of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the continued reporting of an account that I believe should no longer be included. 

The account details are as follows : Creditor Name : XXXX  XXXX Account Number : XXXX Date of Delinquency/Charge-off/Closure : XX/XX/XXXX Nature of Dispute : The debt in question should have been removed due to the passage of the [ seven-year ] reporting limit under 15 USC Code 1681c. Furthermore, I never received a Form 1099-C for the alleged cancellation of debt, which raises questions regarding the validity and status of this account. 

Since I did not receive a Form 1099-C, there is no record that this debt was officially canceled or forgiven. This lack of documentation further supports my belief that the information is either obsolete or inaccurate and should not be included in my credit file.

I request that you : 1. Immediately remove the outdated or incorrect account from my credit report.

2. Conduct a thorough investigation to verify the accuracy of this information and determine why a Form 1099-C was not issued.

3. Provide me with written confirmation that the disputed information has been removed or corrected once your investigation is complete. 

Under the FCRA, you are required to investigate this matter and correct any inaccuracies or outdated information within 30 days. Please consider this letter a formal dispute. 

I have enclosed a copy of my credit report with the disputed item highlighted, as well as copies of identification documents to verify my identity. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the erroneous information has been removed from my credit report. 

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 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-01-23 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: FL

Complaint narrative:
This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Collection Agency Name : XXXX Account Number : XXXX Collection Agency Name : XXXX XXXX XXXX  Account Number : XXXX Collection Agency Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Collection Agency Name : XXXX XXXX XXXX  Account Number : XXXX Recent findings by the Consumer Financial Protection Bureau XXXX CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.

1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX, XXXX and TransUnion 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputingl.

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect XXXX, XXXX and TransUnion to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed [ Enclosures : Copy of ID, Proof of Address, Supporting Documents ]

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Collection Agency Name : XXXX  Account Number : XXXX Collection Agency Name : XXXX XXXX XXXX  Account Number : XXXX Collection Agency Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Collection Agency Name : XXXX XXXX XXXX  Account Number : XXXX Recent findings by the Consumer Financial Protection Bureau XXXX CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.

1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX, Equifax and XXXX 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputingl. 
2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect XXXX, Equifax and XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed [ Enclosures : Copy of ID, Proof of Address, Supporting Documents ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had in accurate personal addresses and phone numbers. Ive had the same phone number for 20 years and the same address for 12 years. However I had multiple addresses and phone numbers on file. 

I had 4 closed accounts that went to collections. One of those accounts was settled, but I see it on my credit report for the same company multiple times.

The other 3 have inaccurate information one the amounts owed, and lender. On my account it looks like I owe 12 companies, when there are only 3.

Also on my account I have an old credit card that I closed 8 years showing as an active update account. Which leads me to believe my personal information may have been stolen.

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 2025-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo took money from our escrow account to pay for some elses parcel. 
We realized this when we received our escrow account review in XXXX. Our escrow account a shortage of {$4300.00}. The new payment would be XXXX. Our previous payment was XXXX. After reviewing the activity we noticed several charges that were not ours. We called Wells Fargo and explained to them.They informed us they would research and get an answer. On XX/XX/XXXX we spoke with them.They told us they made a mistake. They paid another parcel with our account and also paid our parcel. They told me that everything would be refunded that was mistakenly paid. That was a charge of {$840.00} to the township and {$2700.00} to the school district in XXXX. I have talked to them multiple times with multiple individuals. They keep telling me it will be resolved but each time the date is pushed back further and nothing is resolved. They keep saying they are trying to resolve the issue and it will take more time.

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 2025-01-23 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: MD

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to reasonably reinvestigate disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, alleging system issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and notifying consumers of dispute outcomes. However, 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'm requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates a large scale of 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