vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 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 2025-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
On XX/XX/XXXX my credit score dropped XXXX points after I lowered my credit utilization to 8 %. I tried repeatedly to log into my TransUnion account to view my credit report but received an message saying Were sorrythere was an unexpected error. This is not the first time I have filed this complaint. Since the CFPB seems it will not protecting consumers I a filed a lawsuit request in my states small claims court. I will be using this complaint and the many others I have filed against credit reporting companies to support my claim.

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 2025-02-16 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: IN

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 a lagged posting of charges in credit. This issue aligned with the recent CFPB findings against Navy Federal for similar practices, where transaction settled with insufficient balances, despite initial available funds. I believe these practices are unfair and request an investigation into my account transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OK

Complaint narrative:
LexisNexis continues to report incorrect addresses listed on my consumer report. There are over XXXX addresses that are not mine. My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Remove any address that is not the one just mentioned. LexisNexis has 7 days to comply or you will be sued even in the event you remove the information I will still pursue legal action.

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Equifax 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 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 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  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, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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:
FOUND AN INQUIRY ON MY REPORT THAT I DON'T RECOGNIZE

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 2025-02-16 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 writing to formally dispute the inaccurate and incomplete information currently appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I request that you conduct a thorough investigation of the following disputed items and provide a prompt and complete resolution. This request is made with the understanding that, as a consumer, I am entitled to have my credit report contain only accurate, complete, and verified information.

Please treat this dispute with the seriousness and urgency it warrants. I expect that you will adhere to all legal guidelines under the Fair Credit Reporting Act, particularly those outlined in 15 U.S.C. 1681i and 15 U.S.C. 1681e ( b ), which require credit reporting agencies to maintain maximum accuracy and correct any inaccuracies in my credit report.

I have listed all the items I dispute below, including the reasons for my dispute and relevant legal citations. Please ensure that your investigation into each disputed item is conducted in full compliance with the FCRA. 

Disputed Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason for Dispute : This account is being reported with a negative status due to charge off. However, I believe this account has been incorrectly reported or is no longer valid due to its age or other discrepancies. Under 15 U.S.C. 1681c, any negative information that is older than seven years must be removed from my credit report. I request that this item be removed as it has exceeded the reporting limit or was inaccurately reported.

Violation Cited : 15 U.S.C. 1681c Information excluded after seven years. Negative accounts older than seven years should not be reported. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason for Dispute : The reported balance for this account is inaccurate. I have resolved the debt, and it should not reflect an open balance. Please provide documentation to validate this reported balance. If you can not validate it, I request immediate removal of this entry from my credit report. 
Violation Cited : 15 U.S.C. 1681e ( b ) Duty of credit reporting agencies to ensure maximum accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
I was charged a debt of medical bills. But I have state insurance that covers 100 %. And asked for them to show me proof. A the only thing I got back was where the declined my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: NY

Complaint narrative:
I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

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 2025-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a customer of XXXX credit card by Wells Fargo. I use this card to pay my rent every month. On the month of XXXX, I was charged interest fees and late fees at the end of the month, despite requesting to enable AutoPay. I contacted Wells Fargo about this issue, and while they acknowledge that they received my request to enable AutoPay and did not enable it regardless, they do not help with reversing the interest rates and late fees. I have also attempted to call them multiple times, and they do not return my calls. I even went to a local branch to speak to a banker, and there are none available that can help with the XXXX credit card. I am charged a few hundred dollars in interest fees and late fees, and furthermore my credit score has been taking a hit because of this current situation.

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 2025-02-16 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:
FOUND AN INQUIRY ON MY REPORT THAT I DON'T RECOGNIZE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
XXXX XXXX terrible XXXX  service.All I want to do is sell this XXXX I bought because I couldn't initially transfer to my bank account. Now they are preventing me from selling the XXXX and I can not find any answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Most inquires that was submitted without my permission. Most was to be a soft inquiry and ended up bring hard with my knowledge.

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 2025-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: CO

Complaint narrative:
This company has reported fraudulent inaccurate information on my credit report. I am requesting they provide the purchase agreement to show full ownership of such account and also other additional documents linking me to said " debt '' including all things outlined in this letter. I have attempted disputing through XXXX XXXX however, I am making contact to report that this debt does NOT belong to me. The company pursuing said account is Debt Recovery Solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: MO

Complaint narrative:
Hey, I went over my consumer report, and I noticed some hard inquiries that I didn't authorize, or l do not have knowledge of. I have called several times and let the credit reporting agencies and the companies know that the inquiries in the document included below are fraudulent and they have yet to be removed. They are not to supposed to be visible on my credit report. I never gave them permission nor written consent to report or to authorize the inquiry. By law this is aggravated identity theft. 18 U.S. Code 1028A

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: GA

Complaint narrative:
Under FCRA 15 USC s1681c-2 ( section 605B ), fraudulent items must be blocked within 4 business days upon receiving an identity theft report. 15 USC s1681s-2 requires furnishers to ensure accuracy and stop reporting disputed accounts unless verified. 15 USC s1681e ( b ) mandates that agencies ensure maximum accuracy. Under 15 USC s1692c ( a ) ( 2 ), collection activities must cease regarding debts from identity theft. Finally, under 15 USC s1681 ( a ) ( 2 ), I never gave authorization for these accounts to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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 writing to formally dispute the inaccurate and incomplete information currently appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I request that you conduct a thorough investigation of the following disputed items and provide a prompt and complete resolution. This request is made with the understanding that, as a consumer, I am entitled to have my credit report contain only accurate, complete, and verified information.

Please treat this dispute with the seriousness and urgency it warrants. I expect that you will adhere to all legal guidelines under the Fair Credit Reporting Act, particularly those outlined in 15 U.S.C. 1681i and 15 U.S.C. 1681e ( b ), which require credit reporting agencies to maintain maximum accuracy and correct any inaccuracies in my credit report. 

I have listed all the items I dispute below, including the reasons for my dispute and relevant legal citations. Please ensure that your investigation into each disputed item is conducted in full compliance with the FCRA. 

Disputed Items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reason for Dispute : This account is being reported with a negative status due to charge off. However, I believe this account has been incorrectly reported or is no longer valid due to its age or other discrepancies. Under 15 U.S.C. 1681c, any negative information that is older than seven years must be removed from my credit report. I request that this item be removed as it has exceeded the reporting limit or was inaccurately reported.

Violation Cited : 15 U.S.C. 1681c Information excluded after seven years. Negative accounts older than seven years should not be reported. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason for Dispute : The reported balance for this account is inaccurate. I have resolved the debt, and it should not reflect an open balance. Please provide documentation to validate this reported balance. If you can not validate it, I request immediate removal of this entry from my credit report. 

Violation Cited : 15 U.S.C. 1681e ( b ) Duty of credit reporting agencies to ensure maximum accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: FL

Complaint narrative:
Hello, My name is XXXX XXXX, Consumer, who reside at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX in XXXX XXXX XXXX I am writing this complaint because Experian has failed to reinvestigate and ensure maximum procedures of accuracy. Please review the attached documents.

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 2025-02-16 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: NY

Complaint narrative:
Subject : Request for Method of Verification Under 15 U.S.C. 1681 for Disputed Accounts Dear CFPB Representative, I am writing to formally request the method of verification used in the investigation of the negative accounts on my credit report, which I previously disputed with Experian and XXXX. These accounts were validated and investigated ; however, I have not been provided with any substantial evidence proving their legitimacy. As these negative accounts are adversely affecting my financial progress, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which mandates that I be provided with the method used to verify the accuracy of these disputed accounts. 

I kindly request that you provide the detailed procedure, evidence, and documentation used to validate these accounts. If the credit reporting agencies and furnishers are unable to provide such verification, I demand that these accounts be deleted from my credit report immediately, as required by the FCRA. 

Please respond within the timeframe specified by law. Failure to comply will leave me no choice but to escalate this matter further. 

Thank you for your prompt attention to this urgent matter. I look forward to your response. 

Sincerely, 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 2025-02-16 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: EQUIFAX, INC.
State: SC

Complaint narrative:
There is a financing company that reporting as a credit card from XXXX XXXXk this information is incorrect and I have file a dispute last year and nothing was done got the run around just had disputed it again I need the bureaus to remove or correct this information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: AL

Complaint narrative:
I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. 15 U.S.C. 1666b is a law that regulates the timing of payments for open-end consumer credit plans. It requires creditors to send statements to consumers at least 21 days before the payment due date. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of 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