vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 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:
To Whom It May Concern, I am writing to formally dispute the following inaccurate and/or unverifiable information on my Experian credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681o, Experian may be held civilly liable for negligence if it fails to properly investigate or correct errors in my credit file. 

Disputed Item ( XXXX ) : XXXX XXXX XXXX Account XXXX Date Reported : XX/XX/XXXXXXXX XXXX XXXX  Account number XXXX Date reported : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account number : XXXX Date reported : XXXX XXXX, XXXX This account is inaccurate and unverifiable. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if an item can not be verified within the prescribed timeframe, it must be deleted immediately. I demand that Experian delete this account within four ( 4 ) days and provide written confirmation.

Failure to comply with the FCRAs requirements may result in legal action for damages under 15 U.S.C. 1681o, including attorneys fees and other relief.

Please investigate this matter promptly and send me an updated copy of my credit report reflecting the deletion. You may respond to me in writing at the address listed above.

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 2025-02-01 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: NJ

Complaint narrative:
Good day, the transactions on this account and its respective charges are all fraudulent to which I never benefitted from. Please prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report. Thanks

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Reporting Agency Experian XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Incorrect Information in Credit Report Dear Sir/Madam , I am writing to formally dispute an error on my credit report. The account information for XXXX XXXX, Account XXXX [ XXXX ], appears incorrectly on my report. 

Details of the dispute : Account Status : The report shows the status as Closed, Paid, Never Late, but I request confirmation that this information is accurately reflected across all records and reports. 

I have attached a copy of my credit report highlighting the account in question for your reference. Please investigate this matter and correct any inaccuracies. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you : XXXX. Correct or remove any inaccurate information from my credit report. 
XXXX. Notify me of the results of your investigation and provide me with an updated report. 

Please inform XXXX XXXX of this dispute and conduct an investigation as required by law. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the resolution within 30 days, as outlined by the FCRA. 

Sincerely, 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 2025-01-31 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: AL

Complaint narrative:
Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, TransUnion, & Equifax didn't make sure it was reporting 100 % correct.

In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, TransUnion, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.

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 2025-01-31 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: TX

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the 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 explanation
Consumer complaint received 2025-01-31 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:
Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, TransUnion, & Equifax didn't make sure it was reporting 100 % correct.

In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, TransUnion, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.

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 2025-01-31 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: AL

Complaint narrative:
Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, TransUnion, & Equifax didn't make sure it was reporting 100 % correct.

In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, TransUnion, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' saving accounts. Capital One misrepresented the 360 savings account as having one of the nation 's highest interest rates yet failed to notify accountholders about the superior rates offered by the 360 Performance Saving account. This deliberate obscurity and lack of transparency violated consumers trust and resulted in significant financial losses for many, breaching the consumer financial protection act and the saving act. I seek redress for misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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 XXXX : 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 XXXX 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 
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 EXPERIAN 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, 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 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My son and I have a joint bank account with Chase Bank. 

On XX/XX/XXXX, my son attempted to deposit cash into a Chase ATM in XXXX XXXX. He hoped the ATM would count the cash for him, so we dont know the exact amount. I know that he had between {$1400.00} and {$1800.00}, based upon similar deposits I have made for him in the past. 

The ATM jammed, consumed all the cash, and did not give him a successful deposit receipt. It said To be sure your deposit went through, please call us at XXXX. XXXX Note : this receipt is evidence that the machine had malfunctioned or jammed or at least had detected an error. My son went into a Chase bank later and reported the event. They told him to call the number. He did so and related the story. ( ATM receipt photo is included in complaint. ) On XX/XX/XXXX, he received correspondence in his banking portal. Chase confirmed that there was no deposit made to your account. There was no mention of missing cash, of an ATM error, or of a malfunction of any kind. ( Screenshot of the claim response also included. ) My son is busy working to survive, and as a shy person, he asked me as co-account holder to help him resolve this. I went into to my local Chase branch on XX/XX/XXXX after he assembled and sent me all the documents. I spoke with employee XXXX, who validated my identity and my account ownership. She stated that all she could do was call another department as an employee, and confirm that I was who I was, and then have me speak to them. Thats what we did. 

I spoke with a man named XXXX, who frequently referenced his supervisor named XXXX. They were very reluctant to even discuss this with me and seemed to be accusing me of not being authentically who I said I was, despite XXXX having confirmed my identity through my drivers license, logging in with my ATM card, and passing all verbal questions. 

The call dragged on and I became more strident that I wanted this resolved. Finally, they put me on hold for a long time and then XXXX came back and reported there were no ATM jams on that machine. I requested to speak to his supervisor ; he declined. He did tell me I was allowed to reopen the investigation. I told him that I would. 

I further told him to log notes from the phone call, including the following : XXXX. I was filing a complaint with the Consumer Fraud Protection Bureau and if that did not work, XXXX. I would file a lawsuit and subpoena their ATM records and cash reconciliation for that machine. 

This, then, is my complaint with you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-31 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: VA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: CA

Complaint narrative:
I am listing this inquiry fraudulent from my Equifax credit report. XXXX XXXX XXXX XX/XX/year>. The listed inquiry do not belong to me and must be removed from my Equifax credit report. I had a call with the company and the credit reporting agency advised to fill out identity theft report for deletion. I am requesting Equifax to mark listed inquiry as a fraudulent and remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
DELETE HARD INQUIRIES. THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY. 15U.S.C 1681 SECTION 604 A SECTION 2 ; IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681 C. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE TEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 U.S.C 1681 S-2 ( A ) ( a ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE 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 2025-01-31 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: CA

Complaint narrative:
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. My account was closed due to these issues.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. 
I want the CFPB

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NC

Complaint narrative:
I disputed a XXXX FAIR and Out Sourcing XXXX {$7800.00} Missouri Education XXXX for {$21000.00} XXXX XXXX XXXX {$89.00} Time payment {$10000.00} Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results effectively.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate Information being report : 1.

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 and comprehensible manner.

Provide me with any documentation you rely on if the disputed information is verified as accurate.

Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly.

If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report.

Furthermore, I request written confirmation of the actions you take in response to this dispute.

If you fail to resolve this matter, I reserve the right to escalate the issue.

Also please remove per FCRA 605B with in 4 days of notice. The Fair Credit Reporting Act ( FCRA ) Section 605B provides identity theft victims the right to block fraudulent information from appearing on their credit 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