vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: TN

Complaint narrative:
In according with the fair credit Reporting act XXXX Account # XXXX, has violated rights. 
15 USC 1681 Section 602 states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without m written instrustions.

15 USC 1666B : A Credit may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose

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 2025-01-24 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:
I am writing to report that XXXX, along with other credit reporting agencies, failed to investigate and remove inaccuracies from my credit report. Despite my dispute requests, the following accounts and amounts remain incorrectly listed and should be removed per credit reporting laws, specifically under **the Fair Credit Reporting Act ( FCRA ), Section 1681i**, which mandates that credit reporting agencies investigate and correct any inaccuracies within 30 days : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXt- $ XXXX XXXX XXXXXX/XX/XXXX- {$650.00} / XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX {$420.00} I request that you investigate this matter and ensure these accounts are removed from my credit report, in compliance with the FCRA. 

Thank you for your attention to this issue.

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 2025-01-24 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 writing to report that XXXX, along with other credit reporting agencies, failed to investigate and remove inaccuracies from my credit report. Despite my dispute requests, the following accounts and amounts remain incorrectly listed and should be removed per credit reporting laws, specifically under **the Fair Credit Reporting Act ( FCRA ), Section 1681i**, which mandates that credit reporting agencies investigate and correct any inaccuracies within 30 days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- $ XXXX XXXX XXXXXXXX XXXX {$650.00} / XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX {$420.00} I request that you investigate this matter and ensure these accounts are removed from my credit report, in compliance with the FCRA. 

Thank you for your attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: KY

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
No Proof of Contract : I request that you provide valid documentation or proof of the original signed contract associated with this account. As per the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive verification of this debt. To date, no such proof has been provided.

Violation of FCRA Reporting Standards : According to Section 605 of the Fair Credit Reporting Act ( FCRA ), negative information, including collections, should not remain on a credit report for more than seven years. If the debt has not been validated and remains unproven, I believe this collection should no longer be reported.

Debt Forgiveness under IRC Section 108 : If this debt has been forgiven, settled, or canceled, as may be the case, I believe that it falls under IRC Section 108 and should no longer be reported. As such, I request that this collection be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> Experian Dispute Resolution Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Credit Information I am writing to formally dispute inaccurate and outdated information appearing on my credit report. Despite previous disputes, Experian has failed to correct these inaccuracies, which is both a violation of the Fair Credit Reporting Act ( FCRA ) and consistent with systemic issues recently highlighted in the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian. 

Specifically, the CFPB lawsuit noted that Experian has not fulfilled its legal obligations to investigate and resolve disputes, ensuring credit reports are accurate. I am experiencing similar issues, as detailed below : Correction Requested : Please correct or remove this item.I have attached the following documentation to support my dispute : A copy of my credit report with the inaccurate information highlighted. Copies of supporting documents [ e.g., payment receipts, account closure letters, or correspondence with creditors ]. A copy of my government-issued identification and proof of address for verification purposesI demand that Experian perform a thorough and independent investigation of these disputed items and provide me with a written response within 30 days, as required by the FCRA. If you can not verify the accuracy of the disputed information, I expect that you will promptly remove or correct it.Additionally, if these inaccuracies are not corrected, I am prepared to escalate the matter, including filing complaints with the CFPB, the Federal Trade Commission ( FTC ), and my state attorney general.Please confirm receipt of this dispute and keep me updated on its progress. I look forward to your prompt resolution of this matter.Sincerely, 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 2025-01-24 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: MA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-24 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: FL

Complaint narrative:
I am writing to file a formal complaint against TransUnion, one of the three major credit reporting agencies, for failing to comply with the dispute resolution timeline mandated under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

I submitted a dispute to TransUnion regarding inaccuracies on my credit report. Specifically, I disputed [ briefly describe the nature of the disputed items, e.g., an account I do not recognize or incorrect payment information ]. According to the FCRA, TransUnion is required to investigate disputes and either verify, correct, or delete the disputed information within 30 days of receipt of the dispute, per 15 U.S.C. 1681i ( a ) ( 1 ).

Despite this legal requirement, TransUnion has failed to resolve my dispute within the required 30-day timeframe. This lack of compliance has caused unnecessary delays, stress, and potential harm to my financial standing, including : 1.The potential for lower credit scores due to inaccurate information.

2.Hindrance in my ability to secure credit or favorable terms on loans. 

I have made multiple attempts to follow up with TransUnion regarding this matter, including letters. To date, I have not received a resolution or any written communication extending the timeline due to additional information as allowed under 15 U.S.C. 1681i ( a ) ( 1 ) ( B ). 

I believe TransUnions actions are a clear violation of consumer protection laws, specifically the FCRA, which guarantees my right to a timely resolution of disputes. 

Resolution Requested : I kindly request the CFPB to : 1.Investigate TransUnions practices regarding dispute resolution timelines. 
2.Enforce corrective action to ensure TransUnion complies with the FCRA requirements.

3.Provide any necessary penalties or fines for their non-compliance.

4.Assist in ensuring that my dispute is resolved promptly, and all inaccurate information is corrected or removed from my credit report. 

Thank you for your assistance in ensuring that credit reporting agencies adhere to the law and protect consumers rights.

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 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Complaint Regarding Unauthorized Credit Inquiry Violation of FCRA ( 15 USC 1681b ( c ) ) To Whom It May Concern, I am filing this complaint to dispute an unauthorized credit inquiry associated with this company. The inquiry in question was made on XXXX by XXXX. 

Upon review, I believe this inquiry was conducted without my explicit authorization or in compliance with the permissible purpose guidelines outlined in Section 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ). 

The FCRA explicitly defines the permissible purposes for obtaining consumer reports. To the best of my knowledge : I did not provide explicit consent for this inquiry. 
I do not recall initiating a transaction or establishing a relationship with this company that would justify such a request. This company was an unsolicited offer for soft inquiry offer via XXXX or Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Complaint Regarding Unauthorized Credit Inquiry Violation of FCRA ( 15 USC 1681b ( c ) ) To Whom It May Concern, I am filing this complaint to dispute an unauthorized credit inquiry associated with this company. The inquiry in question was made on XX/XX/year> by XXXX. 

Upon review, I believe this inquiry was conducted without my explicit authorization or in compliance with the permissible purpose guidelines outlined in Section 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ). 

The FCRA explicitly defines the permissible purposes for obtaining consumer reports. To the best of my knowledge : I did not provide explicit consent for this inquiry. 
I do not recall initiating a transaction or establishing a relationship with this company that would justify such a request. This company was an unsolicited offer for soft inquiry offer via Experian or 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: CT

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were XXXX  % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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:
I am writing to report that Experian, along with other credit reporting agencies, failed to investigate and remove inaccuracies from my credit report. Despite my dispute requests, the following accounts and amounts remain incorrectly listed and should be removed per credit reporting laws, specifically under **the Fair Credit Reporting Act ( FCRA ), Section 1681i**, which mandates that credit reporting agencies investigate and correct any inaccuracies within XXXX  days : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX- $ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} I request that you investigate this matter and ensure these accounts are removed from my credit report, in compliance with the FCRA. 

Thank you for your attention to this issue.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to Obtain credit.

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 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: CT

Complaint narrative:
The debt was posted on my credit report and I contacted the company. I asked for a contract and validation of the debt but they told me it wasn't necessary, so I never received the information. I disputed with XXXX and they kept it on my credit report even though the data wasn't validated on XXXX and XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I was overcharged by my local county for sewer charges in excess of {$XXXX} that resulted in an exorbitant tax bill. PHH overpaid, resulting in an escrow shortage. The escrow shortage caused my mortgage to go from {$XXXX} to {$XXXX}. More than double my current payment. I have working to resolve this issue since being notified on XX/XX/XXXX. My taxes were adjusted and PHH Mortgage was issued a check on XX/XX/XXXX in the amount of {$XXXX}. They provided me with the check number on XX/XX/XXXX to which I forwarded to PHH 's tax department on this same day. As of XX/XX/XXXX, I spoke with a representative from XXXX  who claimed they did not have the check, nor did they have the check number. An XXXX XXXX, XXXX, assured me that he would ensure my account would be rectified and that collections would not take place if my XXXX payment was not made on time. He also assured me he would remain in contact with me and update me on my file. I have not spoken with him by phone in over one month despite my weekly call attempts. My calls are typically diverted to others on his team with no updates. I began receiving delinquent and early foreclosure intervention notices in mid XXXX. My issue is still not rectified. PHH insisted they as well as a company XXXX reached out to the tax office for the check number and tracking number, and that the tax office was unwilling to provide the information. I am not sure why the tax office would be unwilling to provide the information if they provided me with the information XXXX weeks ago. PHH Mortgage is extremely negligent, theyve only been servicing my account for the past XXXX months ( it was recently transferred over to them from XXXX XXXX Mortgage ), and it has been a nightmare. This has caused me and my family much stress, as I am constantly receiving notifications of missed payments and negative XXXX XXXX reports. I would hope in the future PHH offers safeguards for their clients in instances where tax charges are out of the ordinary. I was overcharged in the excess of thousands, and there was no alert made to me in advance of the payment to XXXX XXXX, just an alert to me on needing to makeup for the escrow shortage.

Company response to consumer: Closed with explanation