vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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: MI

Complaint narrative:
Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan from XXXX XXXX XXXX XXXX with a balance of {$9800.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: NV

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging posting of charges and credits. This issue currently 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 practice 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 2025-01-26 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: MD

Complaint narrative:
under 15 USC 1681 Under the fcra, you are required to...

Conduct a proper investigation into my dispute. Inform me of the results of your investigation in a clear comprehensive manner.

I request the immediate removal or correction of the is information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: TransferWise Ltd
State: IL

Complaint narrative:
i just opened a bank account with wise debit at XXXX XXXX XXXX XXXX and they have ended their relationship with XXXX XXXX XXXX they did not tell me that, while i was making my account, then they debit card forces you to pay a fee or fine to send the cash back to your original debit card but charge you to do so, then they want your bank details and not your debit info which is inconvenience, they also force XXXX dollars out of your debit and bank and credit card accounts and scam you, they don't ask and give you a way not to give them your cash, and they ask you to put XXXX dollars in their bank so if you want to transfer it back to your orginal bank, you don't have a choice but to pay a fine just to get some of your cash back, and not all, i am being scammed, i told customer service and they told me to pay the fine and this is not right, for a card that is not allowed in the usa any more and I am not allowed to get a card, also it is a scam to force XXXX dollars out of my bank then charge me a fine for sending it back. I don't want to pay a fine, I want my full cash refund back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-26 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX [ XXXX XXXX ] Subject : Dispute of Inaccurate Information 15 U.S. Code 1681 I am filing a complaint against XXXX for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account was accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit reporting Act ( FCRA ) 15 U.S.C code 1681 which mandates a reasonable investigation. 

Lost below is the account XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX LVNV FUNDING LLC I am writing to formally dispute an item on my credit report that I believe to be inaccurate. In accordance with the Fair Credit Reporting Act, specifically 15 U.S. Code 1681, I am requesting that you investigate accuracy.

As required under the Fair Credit Reporting Act, I request that you conduct a thorough investigation of the disputed item and update my credit report accordingly. If the information is found to be inaccurate or can not be verified,
I request that it be removed or corrected.

In accordance with 15 U.S. Code 1681i, I also ask for a copy of the results of the investigation, and if the disputed item is not corrected, I request that you provide the name and contact information of the parties who supplied the inaccurate information.

Please let me know if you require any additional information to facilitate the dispute process. I look forward to your prompt resolution of this matter. 

Thank you for your attention to this issue. 

Sincerely, [ XXXX XXXX ] This letter follows the guidelines provided in 15 U.S. Code 1681 ( specifically Section 1681i ) that requires credit bureaus to investigate disputed information within 30 days and to provide the results of that investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX [ XXXX XXXX ] Subject : Dispute of Inaccurate Information 15 U.S. Code 1681 I am filing a complaint against XXXX for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account was accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit reporting Act ( FCRA ) 15 U.S.C code 1681 which mandates a reasonable investigation. 

Lost below is the account XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX I am writing to formally dispute an item on my credit report that I believe to be inaccurate. In accordance with the Fair Credit Reporting Act, specifically 15 U.S. Code 1681, I am requesting that you investigate accuracy.

As required under the Fair Credit Reporting Act, I request that you conduct a thorough investigation of the disputed item and update my credit report accordingly. If the information is found to be inaccurate or can not be verified, I request that it be removed or corrected.

In accordance with 15 U.S. Code 1681i, I also ask for a copy of the results of the investigation, and if the disputed item is not corrected, I request that you provide the name and contact information of the parties who supplied the inaccurate information. 


Please let me know if you require any additional information to facilitate the dispute process. I look forward to your prompt resolution of this matter. 

Thank you for your attention to this issue. 

Sincerely, [ XXXX XXXX ] This letter follows the guidelines provided in 15 U.S. Code 1681 ( specifically Section 1681i ) that requires credit bureaus to investigate disputed information within 30 days and to provide the results of that investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: CA

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 ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 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. 2025-CFPB-0002 ) 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. The accounts that I have reported : XXXX XXXX XXXX : Account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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:
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 ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 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. 2025-CFPB-0002 ) 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. The accounts that I have reported : National Credit System : Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: GA

Complaint narrative:
I am submitting this complaint due to the credit reporting agencies continued failure to correct inaccurate information and their deliberate stalling tactics in resolving my disputes regarding an account from XXXX XXXX  ( Account # XXXX ). Despite multiple disputes submitted to Experian, XXXX, and XXXX, this account remains inaccurately reported and inconsistent across all three credit reporting agencies. 

XXXX reports the account as Charged Off - Bad Debt and settled for less than the full balance, with a last reported date of XX/XX/XXXX. Experian reports the account as Paid and legally settled for less than the full balance, with a last reported date of XX/XX/XXXX. XXXX continues to report the account as Charged Off but has updated it as of XX/XX/XXXX, despite the account being settled years earlier. These conflicting reports violate my rights under the Fair Credit Reporting Act ( FCRA ) and demonstrate the credit reporting agencies failure to maintain maximum accuracy as required by 15 U.S.C. 1681e ( b ). 

I have repeatedly disputed this account with all three credit reporting agencies. Instead of resolving the errors, they have delayed their responses, ignored my disputes, or improperly verified inaccurate information without conducting a proper investigation. This behavior is a clear violation of 15 U.S.C. 1681i ( a ), which requires a reasonable reinvestigation of disputed information within 30 days. 

Additionally, I have requested a Method of Verification ( MOV ) under 15 U.S.C. 1681i ( a ) ( 2 ) ( B ), yet the credit reporting agencies have failed to provide an adequate response. Their failure to disclose their verification process further suggests that this account can not be properly verified and should be removed.

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 2025-01-26 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-01-26 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: FL

Complaint narrative:
I XXXX is contacting you all in regards to the lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times for years now it seems to me as well that this was the the only thing I had ever had a good idea about during these previous years. The fact I had to be honest thinking that you all were on the consumers side and you would protect my money once we say something isnt right. You the other things I have a little more of an issue than that is and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. 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 users vulnerable to scams. 
This lack of accountability and transparency is very unacceptable and raises serious concerns about about our safety as the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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:
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, Equifax '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. 2025-CFPB-0002 ) 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. Accounts that were reported : XXXX XXXX XXXX  : Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: CA

Complaint narrative:
Unauthorized transactions of hundreds of dollars or sent money and didnt send right amount

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: NY

Complaint narrative:
1 ) Theres inaccuracy data on my credit report theres a collection from XXXX XXXX XXXX for {$120.00} that I dont have no knowledge of. XXXX XXXX XXXX XXXX XXXX is reporting this debt as well that dont belongs to me. Original Amount Owed. Ive never rented or lease with this company or had any agreements. 
It says original amount {$110.00} and now is {$120.00}? 
Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Classification RENTAL_OR_LEASING I need this account deleted from my file. 

2 ) XXXX  XXXX account charged off {$870.00} ; this account was closed and charged off and I never received a 1099c or validation letter. This account needs to be remove immediately. Account # XXXX 3 ) XXXX # XXXX is showing charged off account but {$0.00} balance this needs to be off my credit report as well for incorrect reporting. 

4 ) XXXX XXXX # XXXX charged off for {$160.00} no knowledge of this account incorrect reporting no validation letter if 1099c. 

Please investigate these accounts and delete from my credit file. 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 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC
State: AL

Complaint narrative:
TO WAY POINT. YOU ARE REPORTING AN ACOUNT ON MY CONSUMER REPORT THAT HAS NOT BEEN VERIFIED AND IS INACCURATE. THIS IS A VIOLATION OF BOTH THE FCRA AND THE FDCPA. IF THE ACCOUNT IS STILL REPORTING ON MY CONSUMER REPORT WITHIN 7 DAYS, I WILL BE SEEKING REMEDY AND TAKING LEGAL ACTION FOR DAMAGES UNDER THE FCRA AND THE FDCPA FOR EACH VIOLATION AND EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY REPORT UP TO {$1000.00} EACH. I WILL BE SEEKING STATUTORY AND PUNITIVE DAMAGES AS WELL. I WILL BE SEEKING THIS FROM WAY POINT BECAUSE YOUR COMPANY IS THE ONE REPORTING THE ACCOUNT TO MY CONSUMER REPORT. SO DO ATTEMPT TO EXPLAIN IF YOU ARE CLLECTING FOR ANOTHER COMPANY, I WILL STILL BE SEEKING ACTION AGAIST WAY POINT. 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 2025-01-26 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: GA

Complaint narrative:
I am filing a complaint against Experian, XXXX, and XXXX for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Experian, XXXX, and XXXX consistently responds within 24 hours stating that the account is accurate, without providing 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, XXXX, and XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) -- ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) 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 Account names I am requesting to be removed 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 2025-01-26 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: FL

Complaint narrative:
Removal of all fraudulent accounts associated with US code 15 USC 1681 due to multiple data breaches

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 2025-01-26 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: CA

Complaint narrative:
I disputed accounts for no knowledge I wan those accounts removed from my reports

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