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: 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Consumer Report Dear Equifax, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. Furthermore, I am requesting to investigate all negative items on my consumer report to ensure their accuracy and compliance with federal standards. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on consumer reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am writing to formally lodge a complaint against Navy Federal Credit Union ( NFCU ) for unfairly denying me access to my accounts, which has caused significant financial and emotional distress. Below, I outline the key issues and request the Consumer Financial Protection Bureau 's assistance in resolving the matter. 

Navy Federal Credit Union has blocked and restricted access to my personal and business accounts, including my credit cards, based on information from a third-party entity, XXXX. A transaction conducted through XXXX was flagged as suspicious, leading to these restrictions. Despite my efforts to resolve the matter and prove my accounts good standing, I have been unable to regain access. 
I filed a complaint with XXXX XXXX XXXX XXXX XXXX, the entity associated with XXXX, to clarify the status of my account. XXXX XXXX XXXX confirmed that my account is in good standing. I submitted this proof to NFCU, yet they continue to deny access to my accounts. I have filed a second appeal with NFCU, but as of now, I have not received a resolution. Meanwhile, NFCU has been demanding payment for credit cards I am unable to access. I also filed a complaint with the National Credit Union Administration ( NCUA ), who advised me to file this complaint with the CFPB for further assistance. Due to these restrictions, I have been unable to pay my bills or make timely payments on my NFCU credit cards. 

This is entirely out of character for me, as I have a strong history of timely payments. 
Late fees and negative impacts on my credit report are likely accruing due to this situation, further exacerbating my financial strain. This situation has caused me undue stress and frustration, as the issue could have been resolved if NFCU had verified the information with XXXX XXXX XXXX in a timely manner.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
RE : Demand for Compensation for Violations of Federal Laws and Emotional Distress To Whom It May Concern, I am writing to formally demand compensation for the financial and emotional damages caused by Equifaxs mishandling of my credit report. Despite my numerous efforts to resolve inaccuracies over the past year, I have faced significant challenges that have negatively impacted my ability to obtain credit and support my family. 
Recently, I noticed that XXXX XXXX was improperly re-added to my credit report as of XX/XX/2024, without justification or proper notice. This action violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which prohibits credit reporting agencies from re-inserting previously deleted items unless they have been re-verified with evidence of their accuracy and the consumer is notified within five business days. Equifax failed to comply with this requirement, causing further harm to my creditworthiness and emotional wellbeing. 
In addition, I have repeatedly requested corrections to my name on the report, which remains inaccurate. This ongoing issue highlights a failure to fulfill the duty of maintaining maximum possible accuracy as mandated by 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681, which requires credit reporting agencies to ensure the accuracy and integrity of the information in consumer reports. 
I believe these actions represent willful noncompliance with the Fair Credit Reporting Act ( FCRA ), which entitles me to remedies under 15 U.S.C. 1681n. This includes actual damages, statutory damages of up to {$1000.00}, and potential punitive damages for Equifaxs reckless disregard for my rights. 
Furthermore, I want to emphasize the violations of privacy and data protection laws, including the Gramm-Leach-Bliley Act ( GLBA ), which requires financial institutions to safeguard consumer information. Equifaxs failure to maintain accurate records and prevent unauthorized changes to my credit report is unacceptable and constitutes negligence under 15 U.S.C. 1681o. 
The emotional distress caused by these inaccuracies and the mishandling of my personal information can not be overstated. Therefore, I am seeking compensation for the damages incurred due to these violations. 
Additionally, I am deeply concerned about the breach of my personal information within your company. It is unclear whether my information has been compromised, as items continue to reappear on my credit report without my consent. This ongoing issue has caused me a great deal of stress, and I believe it warrants compensation for the time, money, and energy I have invested in resolving these violations.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian keeps dropping my score by XXXX points for no apparent reason. Nothing has change since this drop occurred.

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: IL

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 ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX '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 XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts I asked to be removed : To : XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Remove Unauthorized Hard Inquiry from XXXX XXXX XXXX Dear Sir or Madam, I am writing to formally request the removal of an unauthorized hard inquiry made by XXXX XXXX XXXXXXXX from my credit report. Upon reviewing my credit report, I noticed a hard inquiry dated [ Date of Inquiry ] that I did not authorize. 

Please be advised that I have not applied for any new credit with XXXX XXXX XXXX nor have I given permission for this inquiry. I respectfully request that you remove this inquiry from my credit report as it was made without my consent. 

To assist in this investigation, I have included the following information XXXX XXXX XXXX XXXXXXXX Hard Inquiry Date : XXXX XXXX XX/XX/XXXX XX/XX/XXXX My Full Name : XXXX XXXX My Address were included My Social Security Number were included Enclosed, please find a copy of my drivers license and a recent utility bill as proof of my identity. 

Under the Fair Credit Reporting Act ( FCRA ), only authorized inquiries should appear on my credit report. As this inquiry was made without my permission, I request that it be removed and that a confirmation letter of the removal be sent to my updated address. 

Thank you for your prompt attention to this matter. If you require further information, please do not hesitate to contact me. 

Sincerely, XXXX XXXX Enclosures : 1. Copy of drivers license 2. Copy of recent utility bill

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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have disputed several inaccurate items on my report and have been denied removal, without any evidence paperwork.

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: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX, I settled with XXXX XXXX XXXX for money owed on my XXXX XXXX XXXX. When speaking to them on the phone, I was assured that this would be a pay to delete scenario. As the letter received stated that my credit should be updated within 30 days, I followed up in XXXX of XXXX to file a dispute with Equifax. I submitted the confirmation letter from XXXX stating the account was paid. I called multiple times and received multiple answers as to what was going on. 
As of XX/XX/XXXX, I am STILL having issues purchasing a car because the charge off was not deleted from my account. 

Additionally, I have shared multiple times that my name is XXXX XXXX, NOT XXXX XXXX. XXXX is not a pseudonym, XXXX is a different person who now goes by XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: MA

Complaint narrative:
Dear Harris & Harris LTD ; Debt Collector/ XXXX XXXX  ; I am disputing the alleged debt reported by your company Harris & Harris . This account is fraudulent, as I have no prior relationship or contract with either the original creditor or your company nor i do not owed the alleged debt of {$670.00}. 

This reporting violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To verify the validity of this claim, I request the following documentation : 1. Proof of authorization to collect under 15 U.S.C. 1692e and 1692f.

2. Legal basis for attempting to collect, including applicable statutes.

3. Proof of authorization to operate in my state. 
4. Evidence of the alleged debt, including any contract or agreement bearing my signature.

5. Full account history, including charges, fees, and payments.

Under FDCPA 1692g ( b ), you must provide this validation within 30 days. Failure to do so will result in the account being considered invalid. Non-compliance with FDCPA 1692d, 1692e, and 1692f will be construed as unlawful conduct. 
Moreover, under the doctrine of estoppel by silence ( Engelhart v. Gravens, Mo. 281 S.W. 715, 719 ), as I have not acknowledged any debt, I will presume no debt exists if no evidence is provided within 15 days. 

Plus i never received any documents and XXXX doesn't have any information under my name.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Due to excessive expenses after recovering from Hurricane Milton and being in a federally declared disaster zone, I have communicated via numerous calls and messages to Freedom Mortgage since beginning of XX/XX/year>2024 that I am requesting a Disaster Forbearance plan which would defer 4 monthly mortgage payments to the end of the loan. Freedom Mortgage is not processing this request and instead seems to be trying to force me into a loan modification which would significantly increase my interest rate plus extend the terms of my loan. Freedom Mortgage has also reported to the credit bureaus that I am delinquent and my credit score dropped XXXX points. On top of all this Freedom Mortgage has reported a balance increase of {$2100.00} to XXXX since XX/XX/year>2024 and there's been NO notice sent to me directly about this

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX ( XXXX ) - ( XXXX ) XXXX ACCOUNT IN VIOLATION FIX ERRORS OR REMOVE ACCOUNT XXXX XXXX ( XXXX ) - ( XXXX ) XXXX My expectations were not met by your submission, which seems to have deviated from the Metro 2 guidelines. Prior to being added to my credit profile, all information must be accurately and completely completed in compliance with the guidelines. 
There are too many Inaccuracies & Incorrect Information showing that you have not complied with the applicable standards. Remove this Inaccurate/Incorrect Account off my report Immediately. 


Account # : ( XXXX ) ( XXXX ) DIFFERENT ACCOUNT NUMBERS FOR SAME ACCOUNT. HOW ARE THERE XXXX DIFFERENT ACCOUNT NUMBERS? 
Experian : XXXX XXXX : XXXX Two-Year Payment History : ( XXXX ) PAYMENT HISTORY DIFFERENT XX/XX/XXXX TO XX/XX/XXXX Experian : Payment History is Completely Different : XX/XX/XXXX TO XX/XX/XXXX XXXX : Payment History is Completely Different : XX/XX/XXXX TO XX/XX/XXXX High Balance : ( XXXX ) HIGH BALANCE SHOULD BE {$0.00} Experian : {$27.00} XXXX : {$27.00} Last Verified : NO LAST VERIFIED DATE REPORTED. 
( 2 ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE 2 DIFFERENT DATES? 
Experian : No Date Reported XXXX : XX/XX/year> Date of Last Activity : ( XXXX ) ( XXXX ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE XXXX DIFFERENT DATES? 
Experian : XX/XX/year> XXXX : XX/XX/year> Closed Date : ( XXXX ) NO CLOSED DATE REPORTED. HOW IS THERE NO CLOSED DATE ON A CLOSED ACCOUNT? 
Experian : No Date Reported XXXX : XX/XX/year> Term Length : ( XXXX ) THERE SHOULD BE NO TERM LENGTH REPORTED Experian : ( XXXX ) Month XXXX : None Reported Credit Limit : ( XXXX ) CREDIT LIMIT SHOULD BE {$0.00} Experian : {$2500.00} XXXX : {$0.00}

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: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: TX

Complaint narrative:
It all started at the beginning of XXXX when I received a bill showing I owe a property tax bill in the amount of {$1600.00} I have never had to pay a property tax bill on a lease vehicle. I called and spoke will XXXX in customer service department and questioned the bill and they stated that our vehicle was a commercial vehicle in which I corrected them and signed a lease that the vehicle was for personal use. XXXX had stated that i fill out a form XXXX and email XXXX in which i did i also spoke with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and stated that if i get information regarding the vehicle information in which the company didn't do, they kept giving wrong information after emails and calls after 4 months XXXX  said they took care of XXXX but now they need XXXX form XXXX in which i stated to XXXX  why didn't you tell me at the beginning so i had to start all over again. i tried to call XXXX  again but XXXX started not to return my calls just to let you know i have to repeat myself every time i call and wait XXXX to XXXX minutes to get someone on the phone. so after so many calls they stated i need to speak with the asist que department in which i spoke with XXXX on XX/XX/XXXX they don't have a direct number so i have to repeat myself to get XXXX so XXXX can call me back XXXX said that they will escalate it and it up to the tax department in their company and that it will be fixed i ask XXXX if they had a number to that department and XXXX stated no they don't i find weird i called so many times and XXXX started not to return my calls to get this fixed so then i got XXXX XXXX XXXX in XXXX and to call her back on XX/XX/XXXX and XXXX stated that it will escalate it and promised to take care of this problem but nothing i have gave everything that they requested and tryed to call XXXX back but no response no call backs nothing i spoke with costomer service it felt like it fell on deaf ears and my lease is up the end of XX/XX/XXXX and they keep sending the bill

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc.
State: ME

Complaint narrative:
Went to get gas they charged me {$100.00} for XXXX in gas and a bill wasn't paid couse of this

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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
under 15USC1681i ( a ) 1 Challenges the 30 day response time. XXXX never responded to my disputes. never received 30 day update from XXXX XXXX account JPMC Auto XXXX # XXXXXXXX XXXX XXXX XXXX never got a repose or update to dispute letter I sent by mail. 15 USC 1681i ( a ) 6 ( B ) challenges investigation protocol they never did an investigation on my disputes 15USC 1681i ( a ) ( 5 ) B challenges reinsertion protocols. XXXX doesn't properly investigate your accounts. XXXX is under a Lawsuit for XXXX Investigations of Credit report Errors which violates the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Act ( CFPA ) Failing to properly investigate consumer disputes, failing to provide consumers with accurate notice of said results, failing to delete inaccurate information from reports improperly reinserting inaccurate information and failing to convey consumers disputes to furnishers fully and accurately. Have sent my disputes off for the last 6mos with no response from XXXX.

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: 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 15 USC 1681 XXXX XXXX XXXX XXXX {$33000.00} XXXX XXXX XXXX XXXX {$5300.00} XX/XX/XXXX XX/XX/XXXXXXXX {$1800.00}XX/XX/XXXXXX/XX/XXXX XXXX {$2200.00}XX/XX/XXXXXXXX XXXX {$5400.00} has violated my rights. 

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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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

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