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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against Experian for failing to conduct a proper investigation of my disputes regarding inaccuracies in my credit report. Despite submitting multiple disputes over the past [ specify timeframe ], I have consistently received responses within 24 hours stating that the account in question is accurate, without providing any evidence that a thorough investigation has been conducted.

This practice is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires that credit reporting agencies conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. Experian 's actions, which involve closing disputes without any substantive review or supporting documentation, fall short of meeting the statutory requirements for a proper investigation. 

Furthermore, I believe that Experian 's actions may also violate the Consumer Financial Protection Act ( CFPA ), specifically 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), which the Consumer Financial Protection Bureau ( CFPB ) has reinforced in its recent proceedings regarding inaccurate credit reporting practices. The failure to conduct a reasonable investigation into my disputes, coupled with the lack of transparent evidence of any real investigation, undermines my rights under both the FCRA and CFPA.

I request that Experian provide me with a detailed explanation of the investigation process, including : The methodology used to verify the accuracy of the disputed information.

The specific evidence considered during the investigation.

The reason why my disputes were closed without any meaningful review.

If this issue is not resolved promptly and satisfactorily, I will consider further action, including submitting formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and pursuing any additional remedies available under the law.

I expect a response from you within [ reasonable timeframe, e.g., 30 days ], including a clear explanation of how you will resolve this matter in accordance with the FCRA and CFPA. I want reported account to be removed. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Please know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I wish to prevent further harm and fraud to my personal information so please, remove all these fraudulent transactions and account from my credit report. Please. Thank you.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
There is a fraudulent account under Auto Loans that was obtained though forgery and identity theft. My signature was forged on contracts and vehicle registration. I was not notified or aware that it was fraud until delinquent payments surfaced while a mortgage lender was reviewing my credit. I have tried to call the creditors to explain but it was futile. I am working with 2 police departments and have filed at both. So far, I've only obtained an initial report from one. I have talked to the lenders of the vehicle along with the dealership where it was purchased. I have been trying to rectify this situation with the creditors to no avail. My credit is severely damaged and I have lost earnest money that was put forth on the house I was about to purchase. The house was going to be our new home after our recent house fire ; however, we ( my husband and kids ) can't even rent a home at this point because of this horrible situation. All of this occurred right before the closing date of the new home. The creditors have not removed this account from my credit report and I can not update the recent dispute I have with the creditors to update them on the matter with evidence supporting my claim. The comment I left on my first dispute was incorrect and I can't fix that either. The vehicle will be repossessed and sent to my credit report before the dispute has even cleared, causing me and my family further damage.

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: TX

Complaint narrative:
There is a fraudulent account under Auto Loans that was obtained though forgery and identity theft. My signature was forged on contracts and vehicle registration. I was not notified or aware that it was fraud until delinquent payments surfaced while a mortgage lender was reviewing my credit. I have tried to call the creditors to explain but it was futile. I am working with 2 police departments and have filed at both. So far, I've only obtained an initial report from one. I have talked to the lenders of the vehicle along with the dealership where it was purchased. I have been trying to rectify this situation with the creditors to no avail. My credit is severely damaged and I have lost earnest money that was put forth on the house I was about to purchase. The house was going to be our new home after our recent house fire ; however, we ( my husband and kids ) can't even rent a home at this point because of this horrible situation. All of this occurred right before the closing date of the new home. The creditors have not removed this account from my credit report and I can not update the recent dispute I have with the creditors to update them on the matter with evidence supporting my claim. The comment I left on my first dispute was incorrect and I can't fix that either. The vehicle will be repossessed and sent to my credit report before the dispute has even cleared, causing me and my family further damage.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am reaching out regarding an inquiry on my credit report that I did not authorize and that has no permissible purpose. This is a violation of my rights, and I am requesting that this unauthorized inquiry be promptly removed 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 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Paid my debt on XX/XX/XXXX The company will not provide me a settlement letter/paid in full letter and giving me the run around. I was told it will take XXXX days which is not a requirement by law I have called everyday since the XXXX and the company confirmed receipt of payment but, refuses to provide me a paid in full/settlement letter in a timely manner

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

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times 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 unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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
Consumer complaint received 2025-02-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I am filing a complaint against Firstmark Services regarding the mishandling of my forbearance request, their incorrect reporting of my loans to the credit bureaus, and the lack of assistance and mistreatment I experienced when trying to resolve this issue. 

I have four private student loans with Firstmark Services that became overdue in XX/XX/XXXX. Toward the end of XX/XX/XXXX, I requested forbearance on these loans. After processing my request, Firstmark Services approved my forbearance on XX/XX/XXXX, and sent me written confirmation stating that my forbearance was approved through XX/XX/XXXX. 

On XX/XX/XXXX, Firstmark sent me another set of documents confirming that my forbearance was approved for all four loans. 

However, on XX/XX/XXXX, I received two conflicting letters : XXXX. One letter stated that my loans were 112 days past due and that my forbearance had been denied, citing that I had exhausted my available forbearance time. 
XXXX. The other letter thanked me for my forbearance request but stated that it was not approved, contradicting the prior XX/XX/XXXX and XX/XX/XXXX forbearance approval letters. 

Despite Firstmark Services approving my forbearance twice, they reported all four loans as past due to the credit bureaus, which has severely damaged my credit score.

Actions Taken : I contacted Firstmark Services to resolve this issue. However, I was met with dismissive and unhelpful responses, and I feel that I was mistreated throughout the process. The representatives I spoke with were unwilling to assist me in fixing the issue, and I was repeatedly told that there was nothing they could do and that it was my fault, despite clear evidence that my forbearance had been approved. 

I was also informed that my forbearance was denied because I had exhausted my available forbearance time, yet this was never communicated to me before approval. Instead of helping me, they reported my loans as delinquent, worsening my situation.

Impact : - The false credit reporting has damaged my credit score, affecting my ability to access financial resources.

- The mishandling of my forbearance request and poor customer service have caused significant emotional distress, especially due to my panic disorder. The lack of assistance and refusal to correct this error have exacerbated my condition. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ).

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have asked Experian to remove this inquiry because it was not mine. Experian is the only one to not remove.

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: NC

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred. Despite having sufficient 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 Credit Union 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigaie 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 @ Astrology Nurse : Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ). This practice violates.

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: TX

Complaint narrative:
Please know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I wish to prevent further harm and fraud to my personal information so please, remove all these fraudulent transactions and account from my credit report. Please. 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 2025-02-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. 
Below are the details of the affected payments : Date of reported latepayment : [ XX/XX/year> ] 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 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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea how it got there. I check my report regularly, but this time, I noticed unexpected discrepancies. I even refreshed my browser, hoping it was just a glitch, but the issue remained. This situation is extremely frustrating, and I urgently request a thorough review of the documents Ive submitted so I no longer have to deal with this stress.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with non-monetary relief