vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
MY NAME : XXXX XXXX XXXX. 
I AM A VICTIM OF IDENTITY THEFT AND FRAUD. 
ALL CREDIT BUREAUS HAVE HAD DATA BREACHES, AND ALL ( cra 's ) ARE CORRUPT WITH HACKERS AND SCAMMERS. 
ALL CRA 'S HAVE VIOLALTED THE PRIVACY ACT = IS IDENTITY THEFT AND FRAUD AND FAKE CREDIT REPORTS WITH FAKE ACCOUNTS, FAKE SOFT INQUIRIES BY CAPITAL ONE SCAMMERS. 
DELETE ALL FAKE NAMES, DELETE FAKE PHONE NUMBER XXXX & DELETE ALL INFO & DELETE FAKE XXXX XXXX XXXX IS NOT MINE XXXX AND XXXX FOR ALL CRA 'S ARE MISUSING MY SOCIAL SECURITY NUMBER IS A VIOALTION OF The Privacy Act.

POLICE REPORTS ATTACHED.

BLOCK FCRA 605B ALL MY CREDIT REPORTS FCRA 605B & Delete all soft inquiries ARE NOTPERMISSABLE WITHOUT MY PERMISSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: LEXISNEXIS
State: AZ

Complaint narrative:
MY NAME : XXXX XXXX XXXX. 
I AM A VICTIM OF IDENTITY THEFT AND FRAUD. 
ALL CREDIT BUREAUS HAVE HAD DATA BREACHES, AND ALL ( cra 's ) ARE CORRUPT WITH HACKERS AND SCAMMERS. 
ALL CRA 'S HAVE VIOLALTED THE PRIVACY ACT = IS IDENTITY THEFT AND FRAUD AND FAKE CREDIT REPORTS WITH FAKE ACCOUNTS, FAKE SOFT INQUIRIES BY XXXX XXXXXXXX SCAMMERS. 
DELETE ALL FAKE NAMES, DELETE FAKE PHONE NUMBER XXXX & DELETE ALL INFO & DELETE FAKE XXXX XXXX XXXX  IS NOT MINE XXXX AND XXXX FOR ALL CRA 'S ARE MISUSING MY SOCIAL SECURITY NUMBER IS A VIOALTION OF The Privacy Act. 
POLICE REPORTS ATTACHED. 
XXXXLOCK FCRA 605B ALL MY CREDIT REPORTS FCRA 605B & Delete all soft inquiries ARE NOTPERMISSABLE WITHOUT MY PERMISSION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 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:
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 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 XXXX 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 XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter is a formal request for validation of the debt account listed below, as required by the Fair Credit Reporting Act ( FCRA ), Section 609, and other applicable laws. I am disputing the negative entry you have reported on my credit file, and I am requesting that you provide specific documentation to substantiate the validity of this account.

Account Information : Creditor Name : XXXX XXXX XXXX. 
Account Number : XXXX Amount Allegedly Owed : {$700.00} Pursuant to the FCRA and relevant case law, I am requesting the following information : 1. A signed copy of the original contract or agreement that establishes my obligation to the alleged debt. This must include my signature, demonstrating that I agreed to the terms and conditions of the original agreement.

2. A detailed account history, including : o The date the account was opened.

o The date and amount of the original transaction.

o Any subsequent transactions, payments, or charges applied to the account.

3. Proof of your agencys legal right to collect this debt, including documentation of the assignment or transfer of the account from the original creditor to XXXX XXXX XXXX XXXX. 
4. A clear explanation of how you calculated the amount claimed to be owed.

5. Copies of all communications between myself and the original creditor or XXXX XXXX XXXX XXXX regarding this debt. 
Case Law Supporting My Request : XXXX XXXX XXXX, XXXX XXXX XXXX ( Ind. App. XXXX ) : The court ruled that the collection agency must provide adequate documentation of the debt to validate their claim. 
XXXX v. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case highlights the importance of providing sufficient detail about the debt to avoid misleading the consumer. 
XXXX v. XXXX, XXXX XXXX. App. XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) : A debt collector must provide proof of the assignment of the debt when requested.

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 2025-01-15 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: FL

Complaint narrative:
I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees despite having insufficient funds. This issue aligns with the recent cfpd findings against navy federal for similar practices where transactions settled within insufficient balance despite initially available funds i believe these practices are unfair and request a 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 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPD findings against Navy Federal for similar practices, where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as falling 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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
3rd Request : I purchased my XXXX XXXX on XX/XX/XXXX and traded my XXXX XXXX the same day. XXXX XXXX has denied the dealer payments for the XXXX XXXX XXXX times that caused to have negative items on my credit. I disputed with XXXX in XXXX and they corrected the matter and I would like the same for TransUnion.

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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I XXXX XXXX XXXX have reviewed my credit report and found there are several inaccurate data with my personal identification in which Experian is reporting. My only name is XXXX XXXX XXXX, I have asked Experian on several occasions to please delete any other names they're reporting. My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and have asked Experian several times to delete any other address that does not reflect 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 2025-01-16 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 customer provided evidence to furnishes, accepting unreliable responses and failing to adequately notify customers 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 Experians 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 2025-01-15 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: IL

Complaint narrative:
I am writing to express my concerns regarding Zelle 's handling of disputes, in light of the recent CFPB lawsuit that highlights significant issues with the platform. I use Zelle quite often and my financial institution and Zelle failed to investigate my claims. They informed me that recovering lost funds and tracking these transactions was impossible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving it's users vulnerable to scams. I am highly concerned about consumer safety with this lack of accountability and transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My issue started with receiving a payment from a deposit being returned for ( {$4000.00} ) and bank not releasing payment sent to utilities etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: TX

Complaint narrative:
Here are the specific issues I have encountered : Failure to Investigate : My disputes are consistently marked as " verified '' within less than seven days, which strongly suggests no meaningful investigation was conducted.

I have not received any detailed explanation or feedback regarding how the accounts were verified or the steps taken during the verification process.

Accounts Beyond the Reporting Period : Several accounts I have disputed remain on my credit report despite exceeding the 10-year maximum reporting period for certain types of accounts, or the 7-year maximum for most debts under FCRA guidelines.

Incomplete or Incorrect Reporting History : Many accounts lack payment data or contain incomplete, inaccurate, or contradictory reporting histories.

Some accounts are incorrectly marked as " charged off '' every month, rather than being listed as a one-time charge-off. This repetitive reporting is misleading and adversely affects my credit score.

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 2025-01-15 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: NJ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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 for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions. 
,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Someone sent me money and they reported my account as fraud and they closed my bank and XXXX account

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 2025-01-15 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I recently looked at a copy of my credit report and noticed fraudulent hard inquires. And according to the FCRA any inconsistency on my account has to be corrected and updated. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I contacted XXXX XXXX XXXX regarding making payments on my lease account. I was informed that my account was incorrectly closed and that they would work to fix the error. I contacted XXXX again in XXXX of 2024 regarding this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I contacted XXXX XXXX XXXX regarding making payments on my lease account. I was informed that my account was incorrectly closed and that they would work to fix the error. I contacted XXXX again in XXXX of 2024 regarding this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
XXXX ran credit inquiries using my personal information. Someone stole my information to purchase a XXXX XXXX XXXX XXXX XXXX XXXX California. 

I sent the following letters to XXXX and XXXX  XXXX : Please remove capital one 's inquiry from all credit bureaus. I never authorized these inquiries nor did I apply or any loans. 

full name : XXXX XXXX full ssn : XXXX Date of latest inquiry : XX/XX/XXXX Phone number : XXXX Application ID : XXXX XXXX Spoke with XXXX XXXX from XXXX XXXX She forwarded me to the Sale Manager in XXXX in XXXX XXXX, CA XXXX XXXX salesperson at XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX told me to call XXXX XXXX XXXX XXXX XXXX said his manager will call me back within XXXX hours It has been over a week and there has been no action taken to stop the inquiries on my credit report. I just received report of inquiries on XX/XX/XXXX and XX/XX/XXXX that I did not authorize.

Company response to consumer: Closed with explanation