vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to dispute inaccurate information on my credit report regarding accounts that have been marked as late payments. After thoroughly reviewing my records, I confirmed that these accounts were, in fact, paid on time. 

This incorrect reporting has negatively impacted my FICO Score. Under US Law 15 U.S.C. 1666b, pertaining to late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I kindly request that the status of these accounts be corrected to reflect timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please check the information concerning the equifax data breach below in attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Someone fraudulently took money out my account and I prove to them that it was fraudulent and they close my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to dispute an inaccurate late payment reported on my credit report for the following account : I believe this late payment is incorrect, as I made timely payments. Under the Fair Credit Reporting Act ( FCRA ), Section 611 provides my right to dispute inaccurate information, and Section 605 requires that negative information be reported accurately. I have already disputed this with the credit bureaus using E Oscar Codes 1 and 2, and I request your assistance in ensuring this error is corrected. 

Please ensure a thorough investigation is conducted, and if the late payment is found to be inaccurate, it should be removed from my credit report. I expect written confirmation of the results as required by the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to dispute an inaccurate late payment reported on my credit report for the following account : I believe this late payment is incorrect, as I made timely payments. Under the Fair Credit Reporting Act ( FCRA ), Section 611 provides my right to dispute inaccurate information, and Section 605 requires that negative information be reported accurately. I have already disputed this with the credit bureaus using E Oscar Codes 1 and 2, and I request your assistance in ensuring this error is corrected. 

Please ensure a thorough investigation is conducted, and if the late payment is found to be inaccurate, it should be removed from my credit report. I expect written confirmation of the results as required by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report and notice 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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  Date of XXXX XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX ate of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  XXXX  Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  Date of XXXX XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX ate of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  XXXX  Date of Inquiry XX/XX/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 non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX XX/XX/2024 Experian [ XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Closed Accounts Request for Removal Dear Experian, Dispute Department, I am writing to formally dispute the presence of three closed accounts on my credit report that are inaccurately affecting my credit profile. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have been closed, yet they remain on my credit report in a manner that is misleading and causing unnecessary harm to my creditworthiness. Under 15 U.S. Code 1681o, I have the right to seek damages for negligent non-compliance with the Fair Credit Reporting Act ( FCRA ), and I believe your reporting of these accounts is in violation of my rights. 

I formally request that you investigate and remove these closed accounts from my credit report immediately. Failure to properly investigate and correct this issue may result in further legal action, including claims for actual damages, attorneys fees, and any other remedies available under federal law.

Please provide written confirmation within 30 days of this letter detailing the actions taken to resolve this dispute. I have attached a copy of my credit report highlighting the disputed accounts for reference. 

I appreciate your prompt attention to this matter and look forward to your timely response. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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:
To Whom It May Concern, I am writing to file a formal complaint against experianfor conducting inadequate and misleading investigations into disputes regarding my credit profile. As a consumer, I have a right under the Fair Credit Reporting Act ( FCRA ) to have my disputes investigated thoroughly, but experian has failed to fulfill this obligation. Over the course of my recent interactions with experianI have noticed a pattern of what I believe to be sham investigations. My disputes regarding inaccurate information on my credit report were met with superficial responses that did not address the concerns I raised. Specifically : experian has responded to disputes with generic statements or resolutions that did not appear to involve any meaningful investigation. My evidence supporting the inaccuracies in my credit report was not acknowledged or addressed in the responses. The results of the disputes were issued in unreasonably short timeframes, suggesting that no thorough investigation could have been conducted. These actions not only undermine the integrity of the credit reporting system but also violate the provisions of the FCRA, which requires credit reporting agencies to conduct reasonable investigations of disputed information. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate experian dispute-handling practices to ensure compliance with federal law and to protect the rights of consumers like myself. I also urge the CFPB to take necessary enforcement actions to hold experian accountable for any violations uncovered during the investigation. Please let me know if additional information or documentation is required to support this complaint. I trust that the CFPB will address this matter with the seriousness it warrants. Thank you for your attention to this issue. Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MIDFIRST BANK
State: TX

Complaint narrative:
On XXXX XXXX XXXX I signed up for a checking account online and was approved a day later. 

I did receive emails however none of them included the full account number. Only the last 4. The full account number needed to enroll into online banking. 

I have tried calling and no agent can help me without the account number. No manager will call me back. They also can not confirm if a debit card or temporary checks will be sent to the address on file. 

There was no mention in the terms that I would need to go into a branch to access my account online. Only that I gave them permission for electronic processing. 

At the moment, there are no retail branches within XXXX miles. For personal reasons, I am unable to travel over XXXX hours. That is the reason I applied online. 

I tried applying again with a different email and some emails were rejected by XXXX. Nothing in the spam folders. 

The application numbers to check the status do not work. 

At the moment, Midfirst Bank has transfered {$100.00} from my XXXX account two times. XX/XX/XXXX and XXXX XXXX 

I am not able to access those funds. I will also be charged {$4.00} a month due to not being able to setup online banking with estatements. Including other fees from any other account opened. 

It is unfair to approve online applications without explicitly stating that the applicants must visit a retail to access their hard earned funds. 

The full account details should be accessible online or ask for information that the consumer knows without visiting a branch.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I explained several times that my account had been hacked and that my information was currently on the dark web due to leaked information. 

XXXX XXXX XXXX- {$180.00}, XXXX XXXX XXXX- {$290.00} XXXX {$12000.00} US Department of edu- {$4300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XX/XX/year> to present Received incorrect overdraft fees despite having funds in the account. 
Respectfully, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I hope this message finds you well. I am writing to address a late payments that appears on my credit report for my account number XXXX I have consistently made timely payments and have never been late. I believe this entry may be an error, and I kindly request that you investigate this matter. 
Maintaining a positive credit history is important to me, and I would appreciate your assistance in correcting this record. 
Thank you for your attention to this issue. I look forward to your prompt 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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I hope this message finds you well. I am writing to address a late payments that appears on my credit report for my account number XXXX I have consistently made timely payments and have never been late. I believe this entry may be an error, and I kindly request that you investigate this matter. 
Maintaining a positive credit history is important to me, and I would appreciate your assistance in correcting this record. 
Thank you for your attention to this issue. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX I am writing to dispute inaccurate information on my credit report that I believe is harming my financial well being. I am aware of my rights under the Fair Credit Reporting Act and request a through investigation into these inaccuracies as required by law. 

I mailed dispute letters to Experian and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that all resulted in inadequate investigations. 

Recently the XXXX filed a lawsuit against Experian for failure to properly investigate legitimate consumer disputes, citing " sham investigations " and other unlawful practices. These illegal practices as outlined by the CFPB included : 1. Conducting inadequate investigations that fail to address consumer disputes properly.

2. Reinserting previously disputed and inaccurate information.

3. Failing to notify consumers about investigation results.

4. Failing to perform investigations at all by sending " stall letters " to customers questioning the validity of the disputes. 

I believe I am a victim of these allegations. I received several letters from Experian ( I will attach one to this complaint ) questioning if disputes I sent tot hem were actually sent by myself and requesting me to call and 800 number. when calling the 800 number they took my information but did absolutely nothing in regards to my requested disputes and never even mailed me a denial letter on behalf of my disputes. 

These practices highlight systemic issues by the credit reporting agencies that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on my credit reports. 

I am concerned that any future disputes I make on my behalf will also be addressed in a similar manner hence my complaint to the CFPB. 

Sincerely 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 2025-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 2AI ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XXXX balance {$630.00} under account number starting with XXXX. XXXX this account is ending in XXXX. XXXX this account number starts with XXXX. XXXX is in violation of 15 USC 1681 2AI and 15 USC 1681b a charge-off is considered income according to the IRS. Income is forbidden to be on a consumer credit report according to congress 15 USC 1681 2AI no transaction or experiences are allowed to be on a credit consumer report I never received a 1099c form from the creditor. This account have resulted in fraudulent charge-off/write-off appearing on my consumer XXXX credit report. The accounts needs to be deleted immediately for fraud reporting to my credit report and being reported to the IRS. I have attached the needed ID, SS #, proof of address. These items are valid and you will not be allowed to deny my attached docs as proof of ID.

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