vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: AL

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 2025-01-25 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 filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) 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. bounce ai is the account i marked as inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Credit Glory LLC
State: MI

Complaint narrative:
Subject : Unauthorized Handling of My Credit Dispute by Credit Glory To Whom It May Concern, I am writing to formally document and seek assistance with an issue I encountered regarding an outstanding debt dispute listed on my credit report. 

On XX/XX/2024, I contacted the phone number provided by XXXX XXXX to dispute or pay off an outstanding debt. During this process, my call was intercepted by XXXX XXXX, a company I mistakenly believed was part of the authorized dispute resolution process. 

Five minutes into the call, Credit Glory representatives requested payment, stating they would negotiate a settlement with the creditor and remove the negative mark from my credit report. On XX/XX/2024, I paid {$190.00} and {$79.00} as instructed. They informed me that these charges would cover the dispute process. However, I was further advised that if the dispute were not resolved within 30 days, an additional {$99.00} would be charged to me on XX/XX/2024. 

Subsequently, I received correspondence from XXXX XXXX stating that Credit Glory is not authorizedand never has beento communicate or handle disputes on my behalf. This has raised concerns about the legitimacy of their practices and their failure to act as a properly authorized intermediary. 

I feel misled and taken advantage of by Credit Glory, and I am seeking guidance on how to recover the payments made to them and ensure that my credit dispute is resolved appropriately. 

Please let me know the next steps I can take to rectify this situation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX or XXXX I do have proof of the charges to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: CA

Complaint narrative:
Every time I think about my credit score, it feels unfair knowing its lower because of accounts I had nothing to do with.

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 2025-01-25 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: CA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$2300.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$15000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$670.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$790.00} XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1100.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have filed multiple disputes with Experian over the years with accounts I did not believe to be mine or that I believed to be incorrect and they always end up with the same result ( denied ) but no explanation as to why.

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 2025-01-25 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: TX

Complaint narrative:
Im honestly tired of dealing with the constant inaccuracies on my report. These errors are more than just frustratingtheyre actively damaging my score and preventing me from accessing opportunities that Ive worked hard to earn. Its unfair and exhausting to keep fighting for basic fairness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
Through Apple I bought a new iphone. As part of the purchase they will give you {$220.00} trade in on your old phone and used my Apple credit card issues through Goldman Sachs. I received the {$220.00} trade in, but then Goldman treated the {$220.00} trade-in as a refund/return and took {$6.00} from my account as something called 'daily cash '. And if they are doing this to me, they are doing it to everyone. It has taken great effort to explain to them that this was not a 'refund ', it was a trade-in credit. Apple/Goldman are ripping people off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-25 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: MA

Complaint narrative:
To : CFPB, TransUnion, XXXX, XXXX ; XXXX XXXX XXXX XXXX; I am submitting this formal dispute regarding the inaccurate and inconsistent reporting of my TDRCS/Jordans Furniture account ( Acct # XXXX ) across all three major credit bureaus. The discrepancies are as follows : TransUnion and XXXX report a balance of {$910.00}, while XXXX continues to report an outdated charge-off balance of {$5900.00}. 
This account was settled for {$3000.00} in XX/XX/year>, yet no accurate updates have been made across the credit bureaus. 
I have not received the required IRS XXXX form for the forgiven portion of the debt, raising further compliance concerns. 
Despite multiple attempts to resolve this matter with both the original creditor and the credit bureaus, the account remains inaccurately reported, in violation of the Fair Credit Reporting Act ( FCRA ) : Section 623 ( 15 U.S.C. 1681s-2 ) : Obligates furnishers of information to ensure accuracy and completeness when reporting to credit bureaus. 
Section 611 ( 15 U.S.C. 1681i ) : Requires credit reporting agencies to investigate and correct disputed information promptly. 
Additionally, the Consumer Financial Protection Bureau ( CFPB ) recently took enforcement action against XXXX Bank, XXXX, which owns XXXX XXXX, for similar violations. In XX/XX/year>, the CFPB cited XXXX Bank for repeatedly furnishing inaccurate consumer information to credit bureaus, failing to correct errors, and neglecting reasonable investigations into disputes. The CFPB ordered XXXX Bank to pay {$7.00} XXXX in restitution and a {$20.00} XXXX civil money penalty. This case highlights systemic issues with TD Banks reporting practices and further supports my request for the removal of this inaccurate information. 

Supporting Evidence I have attached documentation that demonstrates : The discrepancies in reported balances and account statuses across TransUnion, XXXX, and XXXX. 
Proof of the settlement payment made in XX/XX/year> for {$3000.00}. 
Screenshots of the conflicting information, including incorrect reporting dates and balances.

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 2025-01-25 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: MA

Complaint narrative:
To : CFPB, XXXX, XXXX, Equifax ; XXXX XXXX XXXX XXXX; I am submitting this formal dispute regarding the inaccurate and inconsistent reporting of my TDRCS/Jordans Furniture account ( Acct # XXXX ) across all three major credit bureaus. The discrepancies are as follows : XXXX and XXXX report a balance of {$910.00}, while Equifax continues to report an outdated charge-off balance of {$5900.00}. 
This account was settled for {$3000.00} in XX/XX/year>, yet no accurate updates have been made across the credit bureaus. 
I have not received the required IRS 1099-C form for the forgiven portion of the debt, raising further compliance concerns. 
Despite multiple attempts to resolve this matter with both the original creditor and the credit bureaus, the account remains inaccurately reported, in violation of the Fair Credit Reporting Act ( FCRA ) : Section 623 ( 15 U.S.C. 1681s-2 ) : Obligates furnishers of information to ensure accuracy and completeness when reporting to credit bureaus.

Section 611 ( 15 U.S.C. 1681i ) : Requires credit reporting agencies to investigate and correct disputed information promptly. 
Additionally, the Consumer Financial Protection Bureau ( CFPB ) recently took enforcement action against XXXXXXXX XXXX XXXXXXXX, which owns XXXX XXXX, for similar violations. In XX/XX/year>, the CFPB cited XXXX Bank for repeatedly furnishing inaccurate consumer information to credit bureaus, failing to correct errors, and neglecting reasonable investigations into disputes. The CFPB ordered XXXX Bank to pay {$7.00} XXXX in restitution and a {$20.00} XXXX civil money penalty. This case highlights systemic issues with TD Banks reporting practices and further supports my request for the removal of this inaccurate information. 

Supporting Evidence I have attached documentation that demonstrates : The discrepancies in reported balances and account statuses across XXXX, XXXX, and Equifax. 
Proof of the settlement payment made in XX/XX/year> for {$3000.00}. 
Screenshots of the conflicting information, including incorrect reporting dates and balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: MA

Complaint narrative:
To : CFPB, XXXX, Experian, XXXX ; XXXX XXXX XXXX XXXX; I am submitting this formal dispute regarding the inaccurate and inconsistent reporting of my TDRCS/Jordans Furniture account ( Acct # XXXX ) across all three major credit bureaus. The discrepancies are as follows : XXXX and Experian report a balance of {$910.00}, while XXXX continues to report an outdated charge-off balance of {$5900.00}. 
This account was settled for {$3000.00} in XX/XX/year>, yet no accurate updates have been made across the credit bureaus. 
I have not received the required IRS XXXX form for the forgiven portion of the debt, raising further compliance concerns. 
Despite multiple attempts to resolve this matter with both the original creditor and the credit bureaus, the account remains inaccurately reported, in violation of the Fair Credit Reporting Act ( FCRA ) : Section 623 ( 15 U.S.C. 1681s-2 ) : Obligates furnishers of information to ensure accuracy and completeness when reporting to credit bureaus.

Section 611 ( 15 U.S.C. 1681i ) : Requires credit reporting agencies to investigate and correct disputed information promptly. 
Additionally, the Consumer Financial Protection Bureau ( CFPB ) recently took enforcement action against XXXXXXXX XXXX  XXXX, which owns XXXX XXXX, for similar violations. In XX/XX/year>, the CFPB cited XXXX XXXX for repeatedly furnishing inaccurate consumer information to credit bureaus, failing to correct errors, and neglecting reasonable investigations into disputes. The CFPB ordered XXXX Bank to pay {$7.00} XXXX in restitution and a {$20.00} XXXX civil money penalty. This case highlights systemic issues with TD Banks reporting practices and further supports my request for the removal of this inaccurate information. 

Supporting Evidence I have attached documentation that demonstrates : The discrepancies in reported balances and account statuses across XXXX, Experian, and XXXX. 
Proof of the settlement payment made in XX/XX/year> for {$3000.00}. 
Screenshots of the conflicting information, including incorrect reporting dates and balances.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian has failed to fulfill its leg obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonab reinvestigation of disputed inforn 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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
The company sold my credit card debit to another company and I agreed to the terms with that company. So the old company needs to be removed from collections because Im making payments with the ppl they sold my debt to. Ive made 2 payments already in the XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: WI

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: NV

Complaint narrative:
I am writing to formally dispute in accurate information on my credit report that i believe is harming my financial well-being. I am aware of my rights under the fair act reporting act and request a thorough investigation into these inaccuracies by federal law. 

Recently, the consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer dispute siding, " sham investigations '' and unlawful practices. These practices, are outlined by the CFPB include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigations results effectively. 
These allegations highlight systemic issues that directly undermined consumer protection and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

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 2025-01-25 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: NV

Complaint narrative:
I am writing to formally dispute in accurate information on my credit report that i believe is harming my financial well-being. I am aware of my rights under the fair act reporting act and request a thorough investigation into these inaccuracies by federal law. 

Recently, the consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer dispute siding, " sham investigations '' and unlawful practices. These practices, are outlined by the CFPB include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigations results effectively. 
These allegations highlight systemic issues that directly undermined consumer protection and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

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 2025-01-25 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: GA

Complaint narrative:
I have disputed several items asking the company to provide historical data and also the balance amount. After several failed attempts I have not Recieved the information. I have also asked another company to verify information and they have yet to do so

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 2025-01-25 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: PA

Complaint narrative:
I am writing to follow up on my previous dispute regarding the invalid and unauthorized hard inquiries appearing on my credit report. It is both disappointing and frustrating that my concerns have not been addressed with the urgency and thoroughness they warrant. 

XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXX/XX/2024 What baffles me is how TransUnion continues to allow creditors to perform such hard pulls without ensuring explicit consent from the consumer. This raises serious concerns about the security of my personal information under your stewardship. Such actions expose me to risks of data breaches and potential misuse of my non-public personal information, for which you could be held liable.

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