vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MA

Complaint narrative:
In a series of requests and CFPB complaints, I explained Discover that, unless they will reinstall my credit limit, which they had cut by around {$8000.00} for no reason, there would be no more payments on that and other useless credit cards, They did close my account, but immediately began bombarding me with demands of payments and all sorts of offers, ATTACHED IS MY LAST REPLY TO DISCOVER, STATING AGAIN THAT I DO NOT PAY, NOR AM FINANCIALLY RESPONSIBLE FOR ANY CREDIT CARDS WHICH HAD BEEN USELESS TO ME, THAT THEY MUST IMMEDIATELY CEASE AND DESIST, AND THAT FOR AS LONG AS THEY DO NOT CUT CREDIT LIMIT ON MY XXXX DISCOVER CREDIT CARD, i WILL REMAIN FINANCIALLY RESPONSIBLE FOR IT, By now, the only useful credit card i hae with its original low credit limit of {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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:
I am submitting a formal complaint against Equifax, for failing to conduct a reasonable investigation into a dispute I initiated regarding inaccuracies on my credit report. The actions of Equifax violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 1681i, which requires a credit reporting agency to conduct a reasonable investigation of any disputed information.

On several occasions, I filed a dispute with Equifax regarding an inaccurate entry on my credit report related to Within 24 hours, Equifax verified the information as accurate and failed to provide any supporting documentation or evidence to substantiate their verification. This hasty verification process is concerning, as the FCRA mandates that an investigation be thorough, and the disputed information be reasonably verified, including contacting the source of the information and ensuring the accuracy of the details provided.

As a result, the inaccurate entry remains on my credit report, and I have not received any proof of verification from Equifax, which is a violation of my rights under FCRA 1681i. The law clearly states that credit bureaus must conduct an adequate investigation, not a quick or superficial review. By verifying the dispute within 24 hours without providing any documentation or proper validation, Equifax has failed to uphold its legal obligations. 

I am also aware of a lawsuit currently underway against Equifax for their failure to perform reasonable investigations in accordance with the FCRA. This case further underscores the ongoing issue of credit reporting agencies neglecting their duties and violating consumer rights. 

I am requesting that the CFPB investigate this matter to ensure that Equifax complies with its legal obligations under the FCRA and performs a proper, reasonable investigation into my dispute. I also request that they provide the necessary documentation to verify the disputed information or remove the inaccurate entry from my credit report. 

Listed below are the accounts i have marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: GA

Complaint narrative:
Never informed me I would have to pay back 5 times the amount loaned until after I received the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: SC

Complaint narrative:
XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Incorrect Accounts on My Credit Report Dear Consumer Financial Protection Bureau XXXX XXXX am writing to formally dispute the continued reporting of incorrect and unauthorized accounts on my credit report by XXXX and Equifax. Despite my previous disputes, these credit bureaus have failed to remove accounts that do not belong to me, which is negatively impacting my credit profile. 

One specific account that should be removed immediately is : Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This account does not belong to me, and I have no affiliation with it. I am requesting an immediate investigation into this matter and the permanent removal of this and any other unauthorized accounts from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and fair reporting. The continued presence of these accounts on my report is a violation of my rights and has caused unnecessary harm. If this matter is not resolved promptly, I may be forced to escalate my complaint further, including seeking legal remedies. 

Please provide me with written confirmation once these accounts have been removed. I appreciate your prompt attention to this matter. If you require any additional information, please contact me at the address, phone number, or email listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XX/XX/year> my city and my zip code ( XXXX TX XXXX ) were severely impacted by XXXX XXXX. My property was damaged with the roof partially lost, the windows and glasses broken, the electric power lost for multiples days and my electric equipment damaged. To prioritize the safety of my family, we moved to a shelter, filed and were approved for XXXX assistance. At the same time, I contacted our mortgage company ( XXXX XXXX ) and filed for Disaster Forbearance which they approved ( see attached correspondence from both XXXX XXXX and XXXX in XX/XX/year> ). We are still in forbearance while saving to get our house repaired. To my surprise, I recently discovered that the credit bureau is reporting a 30-day late payment for XX/XX/year> while our mortgage was and still to date in forbearance. I contacted XXXX XXXX and the credit bureau and requested that account to be updated to its accurate status either 'IN Forbearance '' or " Paid AS Agreed ''. More than 90 days after my request, the account is still showing a 30-day late payment. This incorrect information has damaged my ability to access credit to repair and return in my house. The credit bureau is blatantly in violation of my right according to the law : - 15 U.S. code & 1681a - Definitions ; rules of construction I U.S. code I US Law I LII - 15 U. S. code & 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors.

- 15 USC & 1681a 2 ( A ) ( I ) -- Exclusions - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XX/XX/year> my city and my zip code ( XXXX TX XXXX ) were severely impacted by XXXX XXXX. My property was damaged with the roof partially lost, the windows and glasses broken, the electric power lost for multiples days and my electric equipment damaged. To prioritize the safety of my family, we moved to a shelter, filed and were approved for XXXX assistance. At the same time, I contacted our mortgage company ( XXXX XXXX ) and filed for Disaster Forbearance which they approved ( see attached correspondence from both XXXX XXXX and XXXX in XX/XX/year> ). We are still in forbearance while saving to get our house repaired. To my surprise, I recently discovered that the credit bureau is reporting a 30-day late payment for XX/XX/year> while our mortgage was and still to date in forbearance. I contacted XXXX XXXX and the credit bureau and requested that account to be updated to its accurate status either 'IN Forbearance '' or " Paid AS Agreed ''. More than 90 days after my request, the account is still showing a 30-day late payment. This incorrect information has damaged my ability to access credit to repair and return in my house. The credit bureau is blatantly in violation of my right according to the law : - 15 U.S. code & 1681a - Definitions ; rules of construction I U.S. code I US Law I LII - 15 U. S. code & 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors.

- 15 USC & 1681a 2 ( A ) ( I ) -- Exclusions - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2025-02-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This dispute is not being submitted by a third party. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the : Experian 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. I am XXXX XXXX, a natural person and this is me physically submitting this dispute. 

I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate Under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. 
A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 


Also, under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

Please send the following information used to validate the items below and show where I gave written permission to be on my credit report in the first place, otherwise delete them from my credit report immediately or I will seek monetary damages : XXXX. XXXX XXXX XXXX Account XXXX : XXXX Balance : {$3900.00} XXXX. XXXX XXXX XXXX Account XXXX : XXXX Balance : {$2200.00}

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 2025-02-03 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: AZ

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 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 2025-02-03 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: Bridgecrest Acceptance Corporation
State: WA

Complaint narrative:
Disputes were filed with all 3 credit bureaus on multiple occasions and the credit bureaus never completed a proper 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 2025-02-03 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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Account number XXXX This is not 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 non-monetary relief
Consumer complaint received 2025-02-03 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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XX/XX/year>

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 2025-02-03 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: IL

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 in 24 hours stating the account is accurate, without any evidence of a thorough investigation. This practice violates the Fair Act Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: MI

Complaint narrative:
I have disputed these accounts several times I will include a copy of my credit report showing that I disputed this before and they have still failed to fix it so now I want enforcement! 

Subject : Final Dispute & Demand for Payment Due to FCRA/FDCPA Violations Dear Experian, I am formally disputing the inaccurate reporting of charge-off accounts on my credit report. These accounts are incorrectly reporting a balance, in direct violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) and Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 8 ).

Under federal law, if a creditor charges off and sells a debt, it must report a {$0.00} balance. Reporting a remaining balance misrepresents the status of the debt and constitutes willful non-compliance with the FCRA, for which I am entitled to damages. 

Disputed Accounts Creditor : XXXX Account Number : XXXX Incorrect Balance Reported : {$2100.00} Creditor : XXXX Account Number : XXXX Incorrect Balance Reported : {$1100.00} Creditor : XXXX Account Number : XXXX Incorrect Balance Reported : {$1400.00} Creditor : XXXX XXXX Account Number : XXXX Incorrect Balance Reported : {$850.00} Creditor : XXXX XXXX XXXX Account Number : XXXX  Incorrect Balance Reported : {$4000.00} Creditor : XXXX XXXX XXXX XXXX  Account Number : XXXX Incorrect Balance Reported : {$1000.00} Fee Schedule & Demand for Payment FCRA Violation ( Incorrect Balance Reporting ) : {$1000.00} per account x 6 accounts = {$6000.00} Failure to Correct Upon Dispute : {$1000.00} per account x 6 accounts = {$6000.00} FDCPA Violation ( Misrepresentation of Debt, if a collector is reporting ) : {$1000.00} per account x 3 accounts = {$3000.00} Emotional & Actual Damages ( Credit Denial, Stress, Financial Harm ) = $ XXXX Total Damages Due : $ 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 2025-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
On XX/XX/XXXX I filed a dispute with the XXXX regarding a credit card that I had with Navy Federal credit Union. The account had a limit of {$1000.00} but jumped to {$5900.00} within a month time in XXXX. I have requested an explanation of how this was possible if the limit was {$1000.00}. Navy Federal has never given me an explanation on this matter. As I have recently found with the lawsuit against Navy Federal that they have a practice of overcharging their customers fees. 
I have included my statement from XXXX of XXXX where the balance was already at {$1000.00} which was the credit limit as well as my XXXX statement that shows a balance of {$5900.00}. I have also included the application showing that my credit limit was only {$1000.00}. Navy Federal did not answer my question how this was possible in the initial dispute. They stated that this debt is valid but can not explain how occurred has a balance five times what the initial limit is. This balance does not include any collection fees or attorney fees. Their reasoning for the validation is because I did not make a payment. They took this to court during XXXX  when I was unable to be present to fight this case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX XXXX Opened XX/XX/XXXX With a balance of {$23000.00} account number XXXX XXXX XXXX XXXX Opened XX/XX/XXXX With a balance of {$14000.00} account number XXXX XXXX  XXXX Opened XX/XX/XXXX With a balance {$2500.00} XXXX XXXX XXXX  opened XX/XX/XXXX with a balance of {$1700.00} XXXX account number XXXX XXXX  opened XX/XX/XXXX with a balanace of {$0.00} account number XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$9100.00} account number XXXX There are also fraudulent addresses that shouldn't be reporting which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and 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 explanation