vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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:
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 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-02-20 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:
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 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-02-19 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:
I am writing to formally dispute the reporting of account number XXXX on my credit report. This account was settled and should not be listed as a collection account. As such, I respectfully request that you update your records and have this account removed from my credit report immediately. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or misleading information on my credit report. The continued reporting of this settled account as a collection account is misleading and negatively impacting my creditworthiness. Please take the necessary steps to correct this matter promptly.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-02-19 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: NJ

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 or 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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: UMB FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/year>, I attempted to contact XXXX  regarding an issue with my Health Savings Account ( HSA ). My employer, XXXX XXXX, switched their negotiated HSA accounts from XXXX XXXX  to UMB Bank, XXXX, doing business as Elevate, as part of the Gusto benefits processor transition, which took effect starting in 2025. 

I was laid off at the end of XX/XX/year> and was unable to access my XXXX  HSA funds until I received my debit card, which did not arrive until late XXXX. However, before I had access, XXXX charged me a {$3.00} account fee. 

Since I had no way to withdraw my funds prior to receiving my debit card, I contacted XXXX  to request a refund of this fee and to have the amount applied toward a valid reimbursement I submitted for my healthcare premium during my unemployment, which is an eligible HSA expense. 

On XX/XX/year>, I called XXXX 's customer support number ( XXXX ) twice, but both times, I was directed via an automated recording to email my request instead. There appears to be no way to contact an XXXX representative via phone. 

Following their instructions, I sent an email to XXXX outlining my concerns. Additionally, I attempted to call the phone number listed in the XXXX Agreement within my online banking portal ( XXXX ), but the XXXX agent who answered stated that my XXXX  HSA debit card number was not valid for accounts able to be serviced through that number and was unable to assist me. 

At this time, I have not received any resolution from XXXX. The company failed to provide a way to access my HSA funds before charging an account fee, and their customer service has been unresponsive and ineffective in addressing my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: VI

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 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: GA

Complaint narrative:
Good Evening. My name is XXXX XXXX and my mortgage was sold to Selene Finance from XXXX. I apologize we because I do not know the exact date it was sold. However, it was sold while I was in Bankruptcy. At the time I had a certain date to have my home caught up and when it was sold I was caught up. However, Selene said I was not and basically, I was forced to take a modification that locks me into a XXXX  year mortgage modification. I have been in my home since XXXX of XXXX. The first scam was them saying, I was not caught up. The 2nd was this XXXX  year modification. Then " multiple '' times once my payments were made it was then reversed. This is the 3rd fraud. I have literally gone through the worst and hardest time with this company. Now, I am seeking help outside... hopefully, from you all. I am no longer in Bankruptcy as of XXXX. I've been making my payments. Trying to keep my credit score up and once again this company is reversing payments, applying all my payments to Escrow and making it seem as if I am not paying and now affecting my credit score in a negative way by reporting me as late. I am exhausted!! I am making payments and having to call and defend myself. This company is a Scam. If you XXXX Complaints about Selene there are many others in the same situation as me. Making payments with our hard earned money only to be reversed and unexplained. PLEASE HELP ME!! This should not be happening! I have been going through this again since XX/XX/XXXX. I made my payment, they put it all on Escrow. An agent told me it would be reversed the next day. Today is XX/XX/XXXX and it is still not reversed. Now, I am being affected negatively once again. Please help me or lead me to someone who can. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-02-19 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: CA

Complaint narrative:
Subject : Formal Dispute & Notice of Intent to Sue Fraudulent XXXX XXXX  ( XXXX XXXX ) Account To Whom It May Concern, I am formally disputing the inaccurate and fraudulent reporting of an XXXX XXXX XXXX XXXX XXXX  account on my TransUnion credit report. This account does not belong to me and was fraudulently opened using my stolen personal information. I have already submitted extensive documentation proving my identity theft, yet TransUnion has failed to comply with federal law by refusing to permanently remove this fraudulent account from my report. 

Violations of the Fair Credit Reporting Act ( FCRA ) 1. Failure to Block Fraudulent Information ( FCRA 605B - 15 U.S.C. 1681c-2 ) I provided an LAPD Identity Theft Police Report, an FTC Identity Theft Affidavit, my government-issued ID, and my Social Security Card. TransUnion is required to block this fraudulent account within four business days of receiving my dispute and evidence. Your failure to do so is a clear violation of federal law.

2. Failure to Conduct a Reasonable Reinvestigation ( FCRA 611 - 15 U.S.C. 1681i ( a ) ) TransUnion is required to conduct a reasonable reinvestigation within 30 days. I have provided irrefutable proof that this account is fraudulent. Any continued reporting constitutes willful noncompliance.

3. Failure to Provide Method of Verification ( FCRA 611 ( a ) ( 7 ) ) I demand that TransUnion produce verifiable documentation showing how this account was verified as mine. If no verifiable documentation exists, this account must be deleted immediately.

4. Furnishing Inaccurate Information with Reckless Disregard ( FCRA 623 - 15 U.S.C. 1681s-2 ) GS Bank was notified of this fraud and failed to correct the error. Since TransUnion continues to report this account despite receiving evidence, this represents reckless disregard for accuracy under 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 explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-19 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: MD

Complaint narrative:
I am filing a formal complaint against Navy Federal Credit Union regarding multiple overdraft fees that were unfairly charged to my account. Despite having sufficient funds at the time my transactions were authorized, I was penalized due to delayed posting of charges and credits. This practice mirrors recent findings by the Consumer Financial Protection Bureau ( CFPB ), which exposed similar instances where transactions were settled with insufficient balances despite initially available funds. 

I believe these practices are deceptive and place an undue financial burden on account holders. I respectfully request a thorough investigation into my account transactions and a review of these unjust fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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:
I have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2025-02-19 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
Despite my efforts, they continue to contact me regarding this invalid debt.

I have reason to believe this debt has also been wrongfully reported to credit bureaus, which is causing harm to my credit profile.

Violations & Consumer Rights Concerns : Unfair and deceptive collection practices under the Fair Debt Collection Practices Act ( FDCPA ).

Failure to validate the debt after a formal request.

Potential Fair Credit Reporting Act ( FCRA ) violations if this erroneous debt is affecting my credit score.

Requested Resolution : 1.Immediate cessation of all collection efforts related to this closed debt.

2.Removal of any negative credit reporting associated with this debt.

3.Written confirmation that this account is closed and that I owe no further balance.

4.Investigation and corrective action against the debt collector for attempting to collect a nonexistent debt.

I am attaching all supporting documents, including my final statement, proof of payment, and any dispute correspondence with the collector.

This ongoing issue has caused unnecessary stress, financial hardship, and potential damage to my credit. I request CFPB intervention to ensure compliance with federal laws and to prevent further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I requested a copy of my credit report at the start of the year and noticed that one creditor, Navy Federal Credit Union, Opened : XX/XX/XXXX, was listed as a charge off as of XX/XX/XXXX with {$20000.00} written off. 

I sent a certified letter ( Copy Enclosed ) to Navy Federal Credit Union, requesting a 1099 ( C ) on XX/XX/XXXX for my tax filing purposes. As of this date, I have not heard from Navy Federal Credit Union nor have a received the requested document.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
I am following up on my previous dispute regarding the inaccurate and unverified negative accounts listed on my credit report. To date, I have not received a satisfactory response addressing my concerns.

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