vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: IL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2025-01-30 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: ID Analytics, Inc.
State: LA

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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:
Subject : Formal Complaint Against Experian for FCRA and FDCPA Violations I am filing a formal complaint against Experian for failing to correct inaccurate, unverifiable, and incomplete information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Summary of Violations : Failure to Investigate & Correct Errors : Despite multiple disputes, Experian has failed to properly investigate or correct inaccurate charge-offs, late payments, and collection accounts. 

XXXX Hardship Reporting Violations : Under CARES Act, Sec. 4021, furnishers were required to report accommodated accounts as current. My accounts were improperly reported as delinquent. 

Failure to Remove Time-Barred & Unverifiable Collections : Experian continues to report collection accounts that exceed Floridas statute of limitations ( XXXX years ) and the XXXX reporting limit under FCRA 1681c.

Failure to Provide Method of Verification ( MOV ) : Under FCRA 1681i ( a ) ( 6 ), Experian must disclose who verified disputed accounts and how they were verified. They have failed to provide this information.

Failure to Suppress Unverifiable Accounts : Under FCRA 1681c-2, Experian is legally required to suppress any disputed information that can not be verified.

Action Requested : Immediate deletion of unverifiable accounts that Experian can not prove as accurate.

Full disclosure of Experians verification methods for disputed items.

Immediate correction of any improperly reported XXXX hardship accounts. 

Investigation into Experians failure to comply with federal and Florida state laws.

If this issue is not resolved promptly, I will escalate to legal action under FCRA 1681n & 1681o, seeking monetary damages and injunctive relief.

Attached are my dispute letter, Experian credit report ( highlighted disputes ), and proof of identity.

I request immediate action and a formal response.

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 2025-01-30 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: MI

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. This issue appears consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: IL

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts

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 2025-01-30 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: IL

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts

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 2025-01-30 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 of 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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am filing a complaint against PayPal due to the unjust limitation of my account and the lack of proper communication regarding the issue. 

On XX/XX/XXXX, I contacted PayPal support to confirm whether receiving a payment from XXXX would cause any issues. I was assured that there would be no problems. However, after receiving the payment, my account was suddenly limited without any explanation. 

To make matters worse, I now believe my account has been compromised, as I am unable to log in. Despite multiple attempts to contact PayPal, I have not received a clear reason for the limitation or any assistance in regaining access to my account.

The payment I received through PayPal, {$450.00}, is my monthly income from working as a freelancer, and this is my first time receiving payments through PayPal. Unjustly holding my funds has put me in a difficult financial situation, as I rely on this income to pay for my rent and daily expenses.

This situation has caused significant inconvenience, and as a user, I have the right to : A clear and specific explanation for the account limitation. 
Access to my funds unless there is a valid and justifiable reason for withholding them.

Assistance in recovering my account, especially given my concerns about unauthorized access.

I require immediate access to my funds and request that PayPal promptly review my case, provide a transparent explanation for the restriction, and restore my access without further delay. If this issue is not resolved promptly, I will consider escalating the matter further through legal channels or financial regulatory authorities. 

I urge you to treat this matter with urgency and provide a fair resolution. 
XXXX account : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: MD

Complaint narrative:
On XX/XX/year>, I submitted dispute letters to Experian along with all required documentation, including my driver 's license as proof of identity, proof of address, and my FTC report. While the other credit agencies corrected the errors and acknowledged receipt of my documents, Experian claimed they did not receive my proof of identity and, therefore, refused to process my disputes and add a freeze to my credit report. This failure to properly process my dispute and add a freeze violates my rights under the Fair Credit Reporting Act and XXXX guidelines. Furthermore, their false claim of not receiving my proof of identity prevents me from resolving the inaccuracies on my credit report with Experian. This appears to be part of a larger, ongoing pattern of noncompliance by Experian, as highlighted by recent legal action involving their failure to handle consumer disputes properly. Their refusal to conduct proper investigations under the Fair Credit Reporting Act is causing widespread harm to consumers, not just me.

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 2025-01-30 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:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

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 2025-01-30 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:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

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 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: PA

Complaint narrative:
I am disputing a late fee and possibly any negative credit reporting that resulted from the company failing to send your billing statement at least 21 days before the payment due date, as required by 15 U.S.C. 1666b. 
The account is XXXX XXXX XXXXXXXX My dispute specifically claims that : The company did not mail or deliver your statement to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filing a complaint against cash app also know as block , inc for inadequate customer service and practices and action the violate my consumer financial protection rights. Cash did not take timely effort to protect my funds from fraud on their platform which my account was left vulnerable and unprotected to the point I have seek was of getting new information. Cash app does not provide refunds when funds were taken. Their dispute processing was unfair and somewhat deceptive as they didnt full comply with the error resolution requirements under the electronic transfer act and regulation E.this was an inconvenience, as well as frustrating as the money could not be refunded after it should not have been taken causing some financial loss. I would like to seek redress for mentioned violation it even got to the point the I had to seek different account/card information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: VA

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 XXXX 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 ( XXXX XXXX XXXXXXXX ) 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. These are the account that I have marked inaccurate XXXX XXXXt XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and 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 2025-01-30 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: UPGRADE, INC.
State: TX

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.

These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: DE

Complaint narrative:
Equifax and XXXX continue to allow XXXX XXXX Receivables to report medical debt to my credit profile illegally. I requested proof of consent, as required by XXXX XXXX, that I authorized XXXX Area Receivables to access as well as disclose my medical information to any third parties. It has been over 30 days since I requested this information. Under the FCRA the furnisher has 30 days to provide proof or delete these accounts immediately. 

I filed an FTC report for this fraudulent account, in which under 15 U.S Code 1681c-2, a consumer reporting agency shall block the reporting of all information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NO LATER THAN 4 BUSINESS DAYS AFTER THE RECEIPT. It has been well past 4 days and this account is still reporting illegally.

Furthermore, former president Biden and VP Kamala issued a rule to the CFPB stating that medical debt can no longer report on Americans Credit Report. XXXX XXXX XXXX is still reporting illegally to my credit profile. 

Equifax and XXXX responded to my disputes requesting that I provide proof of my identity, which Is merely a stall tactic to an otherwise simple deletion solution. I have attached my SS card as well as my drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
Subject : Method of Verification request- Request for Description of Procedure Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Dear Experian, I am writing to formally request a description of the procedure used to determine the accuracy and completeness of the information I disputed, as per my rights under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ).

I disputed the report number listed below and received notification on the Experian site stating ( Your dispute results are currently not available online. ) ( Experian Report number ( s ) XXXX - Date letter generated by Experian XX/XX/2025 XXXX - Date letter generated by Experian XX/XX/2025 XXXX - Date letter generated by Experian XX/XX/2025 For the following reason : Inaccurate reporting- Your investigation of this dispute was marked as completed on XX/XX/2025. 
I am now requesting a detailed description of the reason ( s ) why I am not able to review my results online and the procedure that was used during your investigation. Specifically : Who did Experian contact or interview regarding these disputes? 
How did Experian verify the accuracy and completeness of the information provided? 
What documentation or evidence was reviewed to come to this determination?

As required by the FCRA, please provide this information within five days of receiving this letter. Failure to comply with this request may result in a formal complaint being filed with the This is my second time disputing this matter with Experian. I urge you to resolve this issue promptly, as continued failure to accurately report my account status is a violation of the FCRA. If this inaccurate information is not removed, I am prepared to escalate this matter further, including file an additional complaint with the CFPB and seek legal remedies. 
Thank you for your prompt attention to this matter. I look forward to receiving your detailed response.

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 2025-01-30 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: ID Analytics, Inc.
State: SC

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information.

I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: TN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-30 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: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-01-30 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: CA

Complaint narrative:
Please ensure these unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not authorize these accounts, and their origin is unknown to me. Per USC 1681g, I am requesting their removal within XXXX days. Attached are the necessary documents for your review.

Company response to consumer: Closed with explanation