vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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: MA

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts 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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Affirm accounts are improperly coded. It is currently coded as XXXX, but it is a BUY NOW, PAY LATER ( BNPL ) account and is not meant to be factored in current scoring models, according to XXXX. 

Capital one {$400.00} balance has been paid and I have no balance. I have disputed with transunion and XXXX and it is showing I have a balance of {$400.00} causing my credit score to be low. 

XXXX XXXX XXXX balance is incorrect I paid the amount of {$130.00} balance should be {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and landed. I have been a victim of identity theft. This is hurting my ability to purchase a home for my family. Please remove this fraudulent account for my credit report. 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 non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Security Credit Services, LLC
State: VA

Complaint narrative:
They sent me a letting stating that I need to come to court, XX/XX/year> at XXXX XXXX the amount is {$10000.00}. I sent them a letter asking for verification that I owe them. They have the right to get the money from me and a breakdown of whats been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was a victim of the data breach and information was leaked and compromised at credit breaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: MD

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 2025-02-08 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: AL

Complaint narrative:
Experian is unlawfully reporting an unverifiable debt from XXXX XXXX XXXX despite my formal dispute under FCRA ( 15 U.S.C. 1681i ). While I did sign the lease, I never took possession of the unit, and there is no proof of occupancy, such as key pickup records, a signed move-in inspection, or utility bills in my name. Under FCRA, a debt must be fully verified and accurately reported, yet Experian refuses to disclose how they verified this debt, violating federal law. Additionally, under Louisiana Civil Code Article 2704, landlords are required to mitigate damages by making reasonable efforts to re-rent a unit before holding a tenant responsible for the full lease balance. The landlord failed to provide proof that they attempted to re-rent the unit, making the {$4200.00} accelerated rent charge potentially unlawful. A signed lease alone does not override legal obligations to mitigate damages, nor does it justify Experian reporting an unverified debt. 
Currently, Experian is facing a federal lawsuit ( XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXXXXXX ) for FCRA violations due to its failure to properly investigate disputes and continued reporting of inaccurate information. This pattern of misconduct proves that Experian routinely disregards FCRA requirements, harming consumers with false credit reporting. I demand immediate removal of this unverifiable debt before pursuing further legal action.

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
My information was part of the data breech I my cards and other accounts started showing money received by XXXX that I never received or wasnt familiar with the senders name so my account got closed and my to credit cards started showing purchases that either used a pin that my account was stripped leaving a negative with my credit union and bank

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
My information was part of the data breech I my cards and other accounts started showing money received by XXXX that I never received or wasnt familiar with the senders name so my account got closed and my to credit cards started showing purchases that either used a pin that my account was stripped leaving a negative with my credit union and bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: MI

Complaint narrative:
Subject : Request for Credit Score Removal Due to Data Breach and Inaccurate Information Dear Consumer Financial Protection Bureau, I am writing to formally request the removal of my credit score due to a data breach that compromised my personal information and has resulted in severe inaccuracies on my credit report. My financial records now contain incorrect and misleading data that do not reflect my actual credit history, and I am facing significant challenges as a result. 

I recently became aware that my sensitive financial data was exposed in a breach. Since then, I have noticed substantial errors in my credit report, including accounts that do not belong to me, incorrect balances, and other fraudulent activity. These discrepancies have negatively impacted my financial standing, and despite my attempts to dispute them with the credit bureaus, they remain unresolved. 

Given the circumstances, I am requesting that my credit score be removed or reset to ensure that I am not held accountable for inaccuracies stemming from the breach. I believe that maintaining this flawed credit score is unfair and detrimental to my financial well-being. 

I kindly ask the CFPB to intervene and assist in rectifying this situation. Please let me know what steps I need to take or if additional information is required. I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely,

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 2025-02-08 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: FL

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. 
Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Amount : {$1400.00} XXXX looked at my TransUnion credit Report on XX/XX/year> and Noticed some things are incomplete and not accurate. And according to the fair credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( A ) ( B ).

And According to 15 USC 1681 I, II, ( A ) ( 5 ) they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. 
( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency Shall. 
( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) Promptly notify the furnisher of that item of information that the Information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681 ( 5 ) - ( 2 ) they are supposed to 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 information is inaccurate.

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 2025-02-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: World Acceptance Corporation
State: SC

Complaint narrative:
I was paying until I got hurt on the job but I had they insurance so if anything was to happen it will still get paid they took my car and all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to express my deep concern regarding the recent lawsuit filed against Experian, alleging that the company failed to properly investigate consumer disputes and reinserted inaccurate information into credit reports. 
consumerfinance.gov This issue has significantly impacted my creditworthiness, as I have experienced firsthand the detrimental effects of Experian 's inadequate handling of credit report disputes. The presence of incorrect information on my credit report has hindered my ability to secure credit, resulting in financial hardship and missed opportunities. 

I respectfully request that the CFPB take swift action to ensure that Experian promptly removes any inaccuracies from my credit report and provides written confirmation of these corrections. Additionally, I urge the Bureau to enforce measures that prevent the re-insertion of previously deleted erroneous information, thereby safeguarding consumers from further harm. 

Thank you for your attention to this critical matter. I trust that the CFPB will act decisively to protect consumers ' rights and financial well-being. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Contact info : 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 2025-02-08 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to express my deep concern regarding the recent lawsuit filed against Experian, alleging that the company failed to properly investigate consumer disputes and reinserted inaccurate information into credit reports. 
consumerfinance.gov This issue has significantly impacted my creditworthiness, as I have experienced firsthand the detrimental effects of Experian 's inadequate handling of credit report disputes. The presence of incorrect information on my credit report has hindered my ability to secure credit, resulting in financial hardship and missed opportunities. 

I respectfully request that the CFPB take swift action to ensure that Experian promptly removes any inaccuracies from my credit report and provides written confirmation of these corrections. Additionally, I urge the Bureau to enforce measures that prevent the re-insertion of previously deleted erroneous information, thereby safeguarding consumers from further harm. 

Thank you for your attention to this critical matter. I trust that the CFPB will act decisively to protect consumers ' rights and financial well-being. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Contact info : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: AL

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian 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. 16811, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( 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.

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 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Over draft fee in amount {$300.00}. for for posted checks that bank allow to be process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
FCRA 1681i ( a ) Reinvestigation of Disputed Information : According to the FCRA, you are required to conduct a thorough investigation of disputed information within 30 days of receiving my request. I expect this to be done in a timely and accurate manner. 
FCRA 1681e ( b ) Duty to Ensure Accuracy : The FCRA mandates that all credit reporting agencies, including XXXX, ensure that the information reported on my credit file is accurate and complete. The information in dispute does not meet this requirement. 
FCRA 1681g Consumers Right to Obtain Information : I am requesting a complete copy of all information related to the disputed account, as well as any documentation you have to support the accuracy of the reporting. 
Additionally, the Consumer Financial Protection Bureau ( CFPB ) has established guidelines regarding credit report disputes, as per Regulation V ( 12 C.F.R. Part 1022 ), which includes procedures for addressing inaccurate or incomplete information on credit reports. I ask that you review these regulations and ensure compliance with the procedures outlined. 

In light of the above, I kindly request the following actions : A thorough reinvestigation of the disputed information on my credit report. 
Immediate correction or removal of any inaccurate or incomplete information, in accordance with the FCRA.

A written response to confirm the outcome of your investigation, including any updates made to my credit file. 
Please acknowledge receipt of this dispute, and I expect an update within 30 days as required by law. 

Thank you for your prompt attention to this matter.

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 2025-02-08 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: MA

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-02-08 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: MA

Complaint narrative:
I am disputing incorrect information on my credit report regarding accounts marked as late payments. After carefully reviewing my payment records, I can confirm that these accounts were paid on time as agreed. The inaccurate reporting of these late payments is negatively impacting my FICO Score. 

According to U.S. Law 15 U.S.C. 1666b, which governs the reporting of late payment remarks, I am entitled to a thorough and fair investigation of disputed items. Since these payments were made promptly, I respectfully request that the status of these accounts be corrected to accurately reflect the on-time payments. 

I kindly ask that you investigate this issue and update my credit report as soon as possible to ensure my credit history is accurate. I appreciate your prompt attention to this matter.

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