vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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 am filing a compiaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 

Despite my submissions, XXXX 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, XXXXXXXX XXXX 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. I request that the CFPB take action to ensure XXXX 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
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/year> TransUnion Consumer Solutions XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : Dispute of Inaccurate Information on My Credit Report Dear TransUnion, I am writing to formally dispute inaccurate and/or incomplete information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. I request that you investigate and resolve the following discrepancies : XXXX XXXX Account # : XXXX Reported Balance : {$0.00} XXXX Account # : XXXX Reported Balance : {$1200.00} XXXX  Account XXXX : XXXX Reported Balance : {$1800.00} XXXX Account XXXX : XXXX Reported Balance : {$95.00} XXXX Account # : XXXX Reported Balance : {$4100.00} XXXX  Account # : XXXX Reported Balance : {$2000.00} I have attached supporting documentation to assist with your investigation. 

I request that TransUnion : Conduct a thorough investigation into these matters. 
Correct or delete the inaccurate information as appropriate. 
Provide me with a copy of the updated credit report reflecting these changes. 
Please note that FCRA requires you to resolve this dispute within 30 days. If additional documentation is needed, please contact me immediately at the address above. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your actions to resolve these issues. 

Sincerely, XXXX All Rights Reserved Without Prejudice

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 2025-01-26 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: NC

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 m, I was unfairly charged overdraft fees. 

This issues appears consistent with recent findings by the CFPB which identified similar practices by NFCU, 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 2025-01-26 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: VA

Complaint narrative:
I am to file a complaint against Navy Federal credit union regarding multiple overdraft fee I have incurred. Despite having insufficient funds when transactions were authorized I was charged a fee due to lagged posting of charges and credits.This issues 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 2025-01-26 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:
XXXX Account has been reporting inaccurate on my credit for years the balance is incorrect the dates are incorrect and it keeps reporting & the dates closed keep changing to extend the actual removal timeframe. This is unlawful but it's happening with XXXX XXXX XXXX XXXX also. This is also unfair and hindering my timelines to rebuild my life & my credit. I thought if they are reporting things inaccurate they have to fix them and or remove them. Neither is happening for me, I need a place to live for me & my kid these inaccuracies have us homeless.

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: 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: UT

Complaint narrative:
Dear CFPB, I am writing to file a complaint against XXXX for failing to correct inaccurate information on my credit report and not conducting a proper investigation as required under the Fair Credit Reporting Act ( FCRA ). Despite multiple dispute letters sent to XXXX, the following inaccuracies remain unresolved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has either failed to respond or has provided inadequate responses that do not address the issues raised. I am aware that the CFPB has recently filed a lawsuit against XXXX for similar violations, alleging that they have conducted sham investigations and unlawfully reinserted inaccurate information into consumer credit reports. 

I request that the CFPB investigate this matter and require XXXX to correct my credit report accordingly. 

Sincerely, 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 2025-01-26 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: NC

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXXXXXX TransUnion XXXXXXXX XXXX XXXXXXXX TransUnion Reason : These Inquiry 's Have No Permission Purpose To Be On My Report, Delete These Inquiry 's Immediately Pusuant 15 U.S.C. 1681b.

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 2025-01-26 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: NC

Complaint narrative:
XXXX XXXXXXXX Experian XXXX  XXXX Experian XXXX  XXXX  # XXXX XXXX XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reason : These Inquiry 's Have No Permission Purpose To Be On My Report, Delete These Inquiry 's Immediately Pusuant 15 U.S.C. 1681b.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
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 status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX Experian XXXX XXXX  Are reporting inaccurate information on my account, they have shared my information without my consent to third parties, authorizing fraudulent transactions and activities to occur within my account after alerting them to the inaccuracies. They have addresses that are non reportable on file in which I have not resided nor done business in or at and due to the problems at hand It has caused a financial hardship leaving me and my children, homeless, immobile and unable to do something as simple as rent a home even with the funds available to cover the expenses

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: 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:
There are multiple accounts on my credit report that were charged off/written off and sold both accounts are still on my report for years XXXX XXXX XXXX XXXX  XXXX Debt charged/ written off both accounts listed on my report for years. Multiple attempts to get them removed from my account. No 1099 ever provided. 
XXXXXXXX XXXX XXXX XXXX same thing debt written off and sold both on my credit report for tears multiple attempts to remove. No 1099 provided I believe their is IRS fraud and mismanagement by all XXXX  credit reporting agencies.

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: 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 filling a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian 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, Experian '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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian 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
Consumer complaint received 2025-01-26 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: UT

Complaint narrative:
Dear CFPB, I am writing to file a complaint against Experian for failing to correct inaccurate information on my credit report and not conducting a proper investigation as required under the Fair Credit Reporting Act ( FCRA ). Despite multiple dispute letters sent to Experian, the following inaccuracies remain unresolved : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian has either failed to respond or has provided inadequate responses that do not address the issues raised. I am aware that the CFPB has recently filed a lawsuit against Experian for similar violations, alleging that they have conducted sham investigations and unlawfully reinserted inaccurate information into consumer credit reports. 

I request that the CFPB investigate this matter and require Experian to correct my credit report accordingly. 

Sincerely, 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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent Experian a certified letter with ALL of my supporting documents regarding an XXXX 30 day late, which included copies of my account being paid on time and an email from XXXX. Experian reviewed my dispute on XXXX and a vague explanation was given saying that the company certified the dispute to accurate. I have sent ALL my supporting documents and I feel as though, Experian is giving me a difficult time.

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 card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Credit card approved with no interest rate explain to me.

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: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Vehicle was deemed as total loss from car accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: TX

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, 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. 2025-CFPB-0002 ) 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. 
Report number XXXX Date generated XX/XX/year> XXXX XXXX XXXX  account number XXXX XXXX XXXX account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transuion consistently responds within 24 hours stating the account is accurate, without providing any evidence through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. 


These are the listed accounts that need to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies as required by federal law. 

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

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 — Information belongs to someone else
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
My information was exposed in a data breach. Under the FCRA Section 605B account should be removed within adequate time.

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 
I am aware the XXXX has a lawsuit against XXXX and I myself will obtain legal counsel.

Company response to consumer: Closed with non-monetary relief