vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
I make it a habit to check my credit report because my credit score really matters to me. Unfortunately, I keep finding inaccurate and false information on it. This has been a constant issue, and no matter how many times Ive raised it, nothing has been fixed. Its incredibly stressful and draining, and it's starting to seriously impact my life and my credit score in an unfair way.

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 2025-01-23 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: CA

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 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, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPB ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request the CFPB Take action to ensure Equifax compliance with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: MOHELA
State: IL

Complaint narrative:
I did not attend this institution these accounts do not belong to me. Someone used my information to obtain these loans and i put in a identity theft claim alarming the government about this fraudulent activity under my name. 

Mohela XXXX fed opened XX/XX/year> student Loan {$6000.00} Mohela XXXX fed opened XX/XX/year> student loan {$3500.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I called Ally Bank to close my savings account with them. I spoke with someone named XXXX and told them I was closing the account. She proceeded to close the account but stopped because she " saw '' a pending transfer. I had been trying to fund the account and had spoken with Ally Bank twice about a transfer, only to be told they did not see the transfer. To hear that they now saw a pending transfer only when it would mean that my account would not be closed appeared to be a delay tactic to prevent me from closing my account. I called my current institution and they confirmed there was no pending transaction to Ally, again confirming that all Ally Bank was doing was preventing me from closing my account.

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 2025-01-23 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX Balance {$16000.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$270.00} Open Date XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Balance {$720.00} Open Date XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance {$26000.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$360.00} Open Date XX/XX/XXXX XXXX XXXX {$1400.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$800.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$760.00} Open Date XX/XX/XXXX inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Date XX/XX/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 2025-01-23 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-23 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 am writing to formally request the removal of outdated and inaccurate student loan information from my credit report. Upon review of my credit report, I noticed that some of the accounts related to my student loans, which were forgiven in XX/XX/year>, remain listed. Additionally, there are student loan accounts that were closed over seven years ago and should no longer appear on my report as per the Fair Credit Reporting Act ( FCRA ). 

The details of my request are as follows : Forgiven Student Loans : My student loans were officially forgiven in XX/XX/year> under [ specific program or initiative ]. Since these accounts are no longer active and have been deemed forgiven, I kindly request their removal from my credit report to ensure accuracy and compliance. 

In addition to Closed Student Loan Accounts, I'd like to also request any bank loan accounts Over Seven Years Old in collections to be removed : There are accounts listed on my credit report that should be closed as they were opened over seven years ago. Per FCRA regulations, such accounts should be removed as they are beyond the statutory reporting time frame. 

Please consider this letter as my official dispute regarding these accounts. To assist in your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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 am writing to formally request the removal of outdated and inaccurate student loan information from my credit report. Upon review of my credit report, I noticed that some of the accounts related to my student loans, which were forgiven in XX/XX/year>, remain listed. Additionally, there are student loan accounts that were closed over seven years ago and should no longer appear on my report as per the Fair Credit Reporting Act ( FCRA ).

The details of my request are as follows : Forgiven Student Loans : My student loans were officially forgiven in XX/XX/year> under [ specific program or initiative ]. Since these accounts are no longer active and have been deemed forgiven, I kindly request their removal from my credit report to ensure accuracy and compliance.

In addition to Closed Student Loan Accounts, I'd like to also request any bank loan accounts Over Seven Years Old in collections to be removed : There are accounts listed on my credit report that should be closed as they were opened over seven years ago. Per FCRA regulations, such accounts should be removed as they are beyond the statutory reporting time frame.

Please consider this letter as my official dispute regarding these accounts. To assist in your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute on XXXX XXXX XXXX XXXX. due to no knowledge of debt. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as its affecting my chances of getting a house. Experian violates my rights as a consumer, as well as federal laws.

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 2025-01-23 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: IL

Complaint narrative:
My information has been exposed in a data breach. These accounts listed do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX  BAL- {$14000.00}, Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bal- {$250.00}, Date opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bal- {$94.00} XXXX Date opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bal- {$3900.00}, Date opened XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Bal- {$6300.00}, Date opened : XX/XX/XXXX Dept of Education/XXXX XXXX XXXX XXXXXXXX, Bal- {$4600.00}, Date opened : XX/XX/XXXX Dept of Education/XXXX XXXX XXXX XXXX  , Bal- {$4300.00}, Date opened : XXXX XXXX Dept of Education/XXXX XXXX XXXX  Bal- {$2000.00}, Date opened : XXXX XXXX, XXXX Dept of Education/XXXX XXXX XXXX XXXX, Bal- {$1100.00}, Date opened XXXX XX/XX/XXXX Dept of Education/XXXX XXXX XXXX XXXX Bal- {$6300.00}, Date opened : XX/XX/XXXX Dept of EducationXXXXXXXX XXXX XXXX XXXXXXXX, Bal- {$3600.00}, Date opened : XX/XX/XXXX Dept of Education/XXXX XXXX XXXX , Bal- {$3600.00}, Date opened : XXXX XXXX Dept of Education/XXXX XXXX XXXX, Bal- {$6800.00}, Date opened : XX/XX/XXXX Dept of Education/XXXX XXXX XXXX XXXXXXXX, Bal- {$3400.00}, Date opened : XX/XX/XXXX Dept of Education/XXXX XXXX XXXX XXXXXXXX, Bal- {$3600.00}, Date opened : XX/XX/XXXX Dept of Education/XXXX XXXX XXXX, Bal- {$820.00}, Date opened : XX/XX/XXXX Dept of Education/XXXX XXXX XXXX , Bal- {$960.00}, Date opened : XX/XX/XXXXXXXX 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 2025-01-23 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 disputed Debt Collection with Experian back in XX/XX/XXXX regarding collection placed on my account by XXXX XXXX. However, I don't feel like my dispute was properly investigated. It does not satisfy me the outcome of Experian investigation as the collection of {$7300.00} still remain on my account until XXXX XXXX XXXXXXXX as stated. I find this so unfair as XXXX XXXX was failed to provide me information to validate the debt they are trying to collect. 

Also, there are some old accounts still remain on my credit that should have been removed or deleted.

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 2025-01-23 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: LA

Complaint narrative:
I am writing to file a complaint against navy. Federal credit Union regarding multiple overdraft fees. I have andcurred the spy having sufficient funds when transactions were authorized. I was charged fees due to legs, posting authorities and credits. This issue aligns with the recent CFP b findings against Navy Federal for similar practices. While 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 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: IN

Complaint narrative:
My Sofi checking and savings account got restricted XXXX XXXX XXXX  2024. I called them immediately and they told me my account was pending closure for bad ach transfers. Which was only bad because I couldnt access my account to transfer the money from savings to my checking account to cover the bill pay.

Which whatever! Im ok with them closing my account as long as they send me a check with my balance on it. Which they said they will once the account closes. The issue Im having is I cant get a date for closure so I can get my money. Everytime I call them I get the same answer. They say once it closes they will mail me a check. Well its going on 4 months and I need my money. Its my primary banking account and Ive already gotten kicked out of 2 places because I couldnt pay my bills. Also my XXXX and cell phone bills are two months behind. My balance in my account is : {$5400.00} I am starving.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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:
XXXX XXXX XXXXXX/XX/XXXX {$1400.00} XXXX XXXX XXXX  - {$26000.00} XXXX XXXX XXXXXX/XX/XXXX - {$41000.00} XXXX XXXXXXXX {$8900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$3300.00} XXXX XXXX XXXXXXXX {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 24 hours stating any evidence of a thorough investigation. This practice violates the Fair Credit Reporting act, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protect Act, as highlighted in the CFPB 's recent administrative proceeding 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 investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
In XX/XX/year>, I discovered fraudulent charges on my Chase credit card account and promptly reported them to Chases customer service, following the proper steps outlined in their fraud reporting policies. Despite my timely report, Chase failed to detect and alert me to the suspicious activity before it escalated, which ultimately led to unauthorized charges being posted to my account. Shortly after I reported the fraudulent activity, Chase unexpectedly closed my credit card account without prior notice or explanation. This decision penalized me for reporting fraudulent activity and violated several consumer protection laws.

First, under the Fair Credit Billing Act ( FCBA ), consumers have the right to dispute fraudulent charges without facing penalties. Chases decision to close my account directly violated 15 U.S.C. 1666, which prohibits any negative consequences resulting from a valid dispute over billing errors or fraud. Similarly, 15 U.S.C. 1666i stipulates that actions such as account closures should not affect a consumers creditworthiness or result in penalties after disputing fraudulent activity. By closing my account, Chase failed to uphold these protections.

Second, Chase violated the Truth in Lending Act ( TILA ), specifically 15 U.S.C. 1641 ( g ), which requires creditors to provide clear and prior written notice of any material changes to a credit account, such as closures. Chase did not provide such notice or explain the rationale for the closure, depriving me of the transparency required by law.

Third, Chases actions also breached the Equal Credit Opportunity Act ( ECOA ), outlined in 15 U.S.C. 1691 ( a ), which ensures that consumers are not discriminated against for exercising their rights under consumer protection laws. By closing my account after I reported fraud, Chase penalized me for taking appropriate steps to dispute unauthorized charges, which constitutes a discriminatory and retaliatory action.

Finally, Chases failure to handle this issue appropriately also contravenes CFPB regulations under 12 C.F.R. 1026.13, which state that consumers disputing billing errors or fraudulent charges should not face adverse consequences like account closures or penalties.

In response, I sent a detailed letter to Chase outlining these violations and requesting the immediate reinstatement of my account and removal of any adverse credit reports related to the fraudulent charges. However, Chase has failed to provide any response or resolution. This lack of action further exacerbates the harm caused and demonstrates a disregard for my rights under these critical consumer protection laws. If this issue is not resolved promptly, I am prepared to escalate it by filing formal complaints with regulatory agencies and pursuing legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I opened a Barclays savings account in early XXXX and used an external account for the initial funds transfer, verifying using micro deposits which went well and the funds transfer went thru no problem. Two days ago, I tried to set up another external account using micro deposits and those were sent to the external account. But I can not verify them because Barclays has frozen access to my account claiming - incorrectly - that they asked me to provide bank statements of both external accounts. They did no such thing and I have an email to prove it. When I called them this morning to resolved this, Barclays told me to email the external account statements as attachments in an unsecured email which is totally unprofessional and unsafe for any of my personal information.

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