vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I am writing to formally dispute unauthorized or inaccurate inquiries on my ChexSystems report under my rights granted by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and other applicable consumer protection laws. Upon reviewing my ChexSystems report, I have identified certain inquiries that I do not recognize or did not authorize. I am requesting an immediate investigation and removal of these inquiries if they can not be properly validated. 

The disputed inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under 15 U.S.C. 1681b, a consumer reporting agency such as ChexSystems is only permitted to report inquiries that are authorized by the consumer or for permissible purposes outlined in the law. If these institutions can not provide verifiable proof of my written authorization, they must be removed from my report immediately. 

Additionally, under 15 U.S.C. 1681i, I have the right to dispute inaccurate or unverifiable information on my report, and ChexSystems must complete an investigation within 30 days. If you fail to verify these inquiries with proper documentation, you are legally obligated to delete them from my file.

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 2025-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Subject : Inquiry Regarding Account Credit and Payment Requirement Dear XXXX XXXX XXXX Customer Service, I am writing to express concerns about my loan account ( Loan Number : XXXX ) and the payment request despite a credit balance. According to House Joint Resolution 192 ( HJR 192 ) of 1933, debts can be discharged upon payment in any coin or currency that is legal tender at the time. Additionally, my Social Security Trust Fund is backed by the full faith and credit of the U.S. government, which I understand can be used to offset and discharge debts. 

Upon reviewing my billing statement, I noticed a credit balance ; however, there was no indication of a negative sign or note stating " credit balance. '' In standard accounting practices, the absence of a plus or minus sign typically denotes a positive amount. Therefore, I was surprised to receive a payment request on an account that appeared to have a credit. 

I respectfully request clarification on the following : Account Status : Confirmation of my current account balance and the reason for the payment request despite the apparent credit.

Application of HJR 192 : An explanation of how HJR 192 applies to my account and whether it affects my payment obligations.

Social Security Trust Fund Offset : Information on whether my Social Security Trust Fund can be utilized to offset this debt. 

Please provide a detailed response to these inquiries at your earliest convenience. I can be reached via email at XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: LA

Complaint narrative:
I am filing this complaint due to multiple unauthorized inquiries on my credit reports that I did not approve or authorize. These inquiries have appeared without my consent, and despite my repeated eorts to have them removed, the credit bureaus have failed to act. My disputes have been blatantly ignored or dismissed without any proper investigation, allowing these fraudulent entries to continue damaging my credit score. This is completely unacceptable, and these inquiries are in no way a result of any action Ive taken. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: LA

Complaint narrative:
I am filing this complaint due to multiple unauthorized inquiries on my credit reports that I did not approve or authorize. These inquiries have appeared without my consent, and despite my repeated eorts to have them removed, the credit bureaus have failed to act. My disputes have been blatantly ignored or dismissed without any proper investigation, allowing these fraudulent entries to continue damaging my credit score. This is completely unacceptable, and these inquiries are in no way a result of any action Ive taken. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-02-11 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: MO

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-02-12 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Trans Union 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. The accounts are XXXX opened XX/XX/XXXX Amount : XXXX, XXXXXXXX XXXX opened XX/XX/XXXX Amount : XXXX, XXXX opened XX/XX/XXXX Amount : XXXX Ive reached out to the companies and haven't received any type of feedback back

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 2025-02-12 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Trans Union 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. The accounts are XXXX opened XX/XX/XXXX Amount : XXXX, XXXXXXXX XXXX opened XX/XX/XXXX Amount : XXXX, XXXX opened XX/XX/XXXX Amount : XXXX Ive reached out to the companies and haven't received any type of feedback back

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: OR

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding 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 2025-02-12 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: CA

Complaint narrative:
DEBT COLLECTORS CONTACTED ME AND I CONTACTED THEM, THEY HAVE INCORRECT INFORMATION EITHER THE ACCOUNTS ARE FRAUD OR THE ACCOUNTS BELONG TO A PERSON WITH SIMILAR NAME.

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 2025-02-11 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: IL

Complaint narrative:
I requested information and verification on two accounts that are reporting on my credit report ( XXXX XXXX XXXX XXXX I've requested this information twice because the first was sent with no verification, just saying that the information was verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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 am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.

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 2025-02-12 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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance {$480.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX Balance {$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 2025-02-12 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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance {$480.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear LexisNexis Risk Solutions Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WELLS FAGO did not follow the law in disclosing my nonpublic information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Subject : Initial Complaint Against XXXX for Reporting Fraudulent Account and Failure to Address Identity Theft To Whom It May Concern, I am filing this complaint against XXXX for their failure to properly safeguard my nonpublic personal information and for their inaccurate reporting of a fraudulent account that was opened without my authorization. 

Details of the Issue FTC Identity Theft Report Reference Number : XXXX Related CFPB Complaints : XXXX, XXXX, XXXX, XXXX Fraudulent Account Details : Creditor : LVNV Funding Account Open Date : XX/XX/year> Amount in Dispute : {$1200.00} On or about XX/XX/year>, LVNV Funding opened an account using my personal information without my consent. I did not apply for, authorize, or benefit from this account in any way. This is a clear case of identity theft, which I have documented with an FTC Identity Theft Report ( Reference # XXXX ). 

I have not yet received any response from XXXX because I am initiating my first dispute regarding this matter. However, based on my previous complaints against LVNV Funding and related parties, I anticipate pushback or lack of action unless this issue is formally escalated through the CFPB. 


Regulatory Concerns XXXX continued reporting of this fraudulent account would violate my consumer rights under : 15 U.S.C. 1681i ( Fair Credit Reporting Act - FCRA ) My right to dispute inaccurate information and have it properly investigated.

15 U.S.C. 1681c-2 ( FCRA ) My right to block identity theft-related information from appearing on my credit file. 
15 U.S.C. 6801 & 6802 ( Gramm-Leach-Bliley Act ) XXXX responsibility to prevent unauthorized use of my personal financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPAs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with Federal law and provides consumers with the necessary proof of investigation. These are the accounts listed : Attorney General Child Support account # XXXX, Attorney General Child Support account XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I went to the Navy Federal Credit Union branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX On XX/XX/year> at approximately 1615 hours.

I attempted to deposit a check issued from XXXX XXXXXXXX in the amount of {$100000.00}. The teller went to the bank manager and returned to inform me the check would not be accepted and to go to the issuer for service. I informed the teller I felt this was unusual and didnt make sense. The teller reiterated I should take issue with the issuer XXXX XXXX XXXX ). I went to XXXX XXXX who verified funds and informed me that there was no reason for Navy Federal to refuse deposit of check. 

I feel service was refused based on XXXX bias. 
I am disappointed and offended after remaining a consumer at this institution for XXXX years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: NY

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: NY

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Credit Karma has a guarantee type program whereby if they guarantee you will be approved for certain products such as a loan, credit card, or other financial type services and if you are not approved with this guarantee then they will turn around and pay you {$50.00} for that denial. The last two denials I received happened in XXXX, yes that long ago. The first denial was a loan that I was guaranteed to be approved for but subsequently was not and the second being a credit card that I was also guaranteed to be approved for and subsequently again was not approved. For these two very different denials I have only paid for one I am still waiting for payment for the other one to which I've already proven to Credit karma that this denial did in fact occur and ended up being written back by Credit karma that they would be sending an email on how to get paid the second {$50.00} payout. Again they owe me for two separate incidents and I have only been paid for one. The only time I received payment for either of these two incidents occurred on XX/XX/XXXX and that's it I'm still waiting for the second payment of which I have not received. The only thing left to do after notifying Credit karma through the cfpb is to go ahead and file a lawsuit for promising products and services that affect our credit score and end up not even being approved they are just straight out lying to us and in the end not even paying us for the guaranteed approval unfortunately it seems that I am going to have to sue them

Company response to consumer: Closed with explanation