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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Complaint Regarding TransUnion Improper Deletion of a Closed Account in Good Standing To Whom It May Concern, I am submitting this complaint to request an investigation into XXXX  improper deletion of a closed account in good standing from my credit report. Specifically, TransUnion removed my XXXX XXXX credit card account, which was an essential component of my credit history. This action is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain accurate and complete credit information. 
The deletion of this account undermines the accuracy and integrity of my credit report and negatively impacts my credit profile. As a closed account in good standing, this account should have remained on my credit report for up to 10 years from its closure date.The deletion year for this account is XXXX. TransUnion has failed to uphold its obligation to report accurate and complete information about my credit history. 
I am attaching screenshots and supporting documentation for your review. These include : A record of the deleted XXXX XXXX accounts removal. 
Correspondence with TransUnion requesting clarification and resolution and restoring my account. 
I request the following actions from your office : Conduct a thorough investigation into TransUnion handling of this matter, including their decision to delete this account. 
Determine whether this behavior is part of a broader pattern of failing to maintain accurate and complete credit information. 
Take steps to ensure TransUnion restores the deleted account to my credit report and complies with the FCRA moving forward. 
XXXX actions have caused significant frustration and concern. I trust that the Consumer Financial Protection Bureau will address this matter promptly to prevent further harm to myself and other consumers. 
Thank you

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I found credit inquiries on my XXXX, XXXX, and Experian credit reports that was not authorized by me.The XXXX company XXXX XXXX on XX/XX/XXXX. I have requested all of them to remove but it is still there. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: TX

Complaint narrative:
I am filing a complaint against XXXX for failing to properly 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, 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. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

The inaccurate Accounts Include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: NY

Complaint narrative:
I am writing to formally dispute the inaccurate information currently reflected on my credit report. Despite my previous efforts to resolve this issue, the erroneous entries remain unresolved, which is negatively impacting my credit profile I am submitting this complaint to have clear logged record of my dispute and all accompanying proof. I am requesting that these banks abide by the laws of the fcra section 609 and investigate remove and delete this fraudulent information from my credit reports permanently. Along with consumer law USC 1692. ( c ) Conducting sham investigations that fail to properly address consumer disputes : When handling disputes, Experian uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher. Experian routinely and uncritically accepts the original furnishers response to the disputed information, even when that response was improbable or illogical on its face, or when Experian has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, Experian sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsist

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WV

Complaint narrative:
I do not understand why XXXX of XXXX does not qualify for the Public Service Loan Forgiveness Program ( PSLF ). I made a payment on my due date for XXXX. I recognize that a federal court issued an administrative stay on XX/XX/XXXX, that prevented the Department of Education from operating the XXXX XXXX XXXX. However, my due date was the first of each month at the relevant time. I made a payment on XX/XX/XXXX, which was BEFORE the XX/XX/XXXX, stay. By email dated XX/XX/XXXX, which is attached to this complaint, MOHELA informed me that I was being placed into a forbearance and that the time spent in this forbearance would count for the PSLF program. I do not see how this was not a mandatory administrative forbearance needed to gather information, which should qualify for XXXX. This forbearance was initiated by MOHELA, not me. In any event, MOHELA told the CFPB on XX/XX/XXXX, in response to my other complaint that it will remove the forbearance in place from XX/XX/XXXX, to XX/XX/XXXX. This forbearance was in place prior to the XX/XX/XXXX, stay. XXXX of XXXX should qualify for PSLF purposes no matter how the issue is considered. When will XXXX of XXXX qualify? Please see attached.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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: VA

Complaint narrative:
Title 15-COMMERCE AND TRADE XXXX XXXX-CONSUMER CREDIT PROTECTION FTC Identity Theft Affidavit to report XXXX separate fraudulent hard inquiries on my consumer FICO report. These fraudulent accounts are under the name of XXXX XXXX Bank XXXX XXXX XXXX XXXX, and XXXX XXXX  ( Bank ), XXXX XXXX XXXXXXXX, and XXXX XXXX ( Bank ) on XXXX XXXX. 

Consumer demands that the aforementioned fraudulent items be removed from each of my consumer reports pursuant to my rights within FCRA and FDCPA laws It is ILLEGAL to retain or report misleading or unproven info, especially considering a composed consumer complaint notifying you of said issues so please DELETE the aforementioned illegally divulged allegation ( s ) here and now.

15 U.S. Code 1681s - Administrative enforcement : Consumer reporting agencies, furnishers, and other entities subject to the FCRA must maintain robust compliance programs to avoid regulatory action.

Violations can result in investigations, penalties, and reputational damage.

15 U.S. Code 1681e - Compliance procedures The FCRA imposes several obligations on Consumer Reporting Agencies, including obligations to : ( 1 ) follow reasonable procedures to assure the maximum possible accuracy of the information in Consumer Reports, 15 U.S.C. 1681e ( b ) 15 U.S. Code 45 - Unfair methods of competition unlawful ; prevention by Commission Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Removal Of All Inquires Listed Below : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX. XXXX, Approved XX/XX/year> ( 82 Stat. 146 ) Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency )

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 — Information belongs to someone else
Company: Summit A*R, Inc.
State: GA

Complaint narrative:
This company reported on my credit report in XX/XX/year> about and account that was opened. This account was opened fraudulent online. I have asked the company to remove off my XXXX, XXXX, and XXXX repeatedly and they have refused. Someone used my information to open an account.

Company public response: Company disputes the facts presented in the complaint
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: MI

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. 1 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: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have a certificate of deposit account opened at Capital One online bank in XXXX of XXXX by doing ACH transfer from my XXXX XXXX XXXX, personal saving. This CD matured on XX/XX/XXXX of this year, and I called on XX/XX/XXXX and requested them to release CD money in total back to my account. My identity was confirmed by XXXX people online and I have to upload my driver license, front and back of the card to the link sent to me by Capital One. Funds were received on XX/XX/XXXX. But yesterday on XX/XX/XXXX, this whole amount of was debited from personal checking account of this amount without even contacting me. I did not make aware of this debit until I checked my checking account. I have contacted them, but I am not satisfied with their answers. According to representative at Capital one Bank, she will contact me on Monday for any answers and she could not do anything about it over the weekend. I have Mortgage and Credit card payments to be made next week and now my account has XXXX balance and I done know how i am going to pay and it might affect my credit history and may end up paying high interest rate for credit card payments. I was given a case ID number. Thanks

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: NJ

Complaint narrative:
I recently discovered that fraudulent accounts were opened in my name without my knowledge or authorization, likely due to identity theft. These accounts, reported by XXXX XXXX XXXX XXXX XXXX have been inaccurately added to my credit report. I did not open or authorize these accounts, and I have taken steps to dispute their validity. 

On XX/XX/year>, I reviewed my credit report and noticed the fraudulent accounts with the following details : Creditor Name : XXXXXXXX XXXX XXXX XXXX Account Status : Reported as active and/or delinquent Actions Taken by Me : I contacted the credit bureaus ( XXXX, XXXX, and TransUnion ) to dispute the accounts and requested their removal under the Fair Credit Reporting Act ( FCRA ). 
I submitted documentation to the credit bureaus explaining that the accounts were fraudulent. 
I am in the process of filing an Identity Theft Report with the Federal Trade Commission ( FTC ) to further support my dispute. 
Actions by the Company : The credit bureaus have not resolved my dispute, and the fraudulent accounts remain on my credit report. Despite my attempts to communicate the issue, the companies involved have not provided validation of the accounts or taken corrective action as required under the FCRA. This has negatively impacted my credit score and financial well-being. 

What I Am Requesting : I am requesting the removal of all fraudulent accounts associated with XXXX XXXX XXXX XXXXXXXX from my credit report. Additionally, I am requesting that the companies involved investigate these accounts thoroughly and comply with their obligations under the FCRA to ensure accurate reporting.

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: NJ

Complaint narrative:
I recently discovered that fraudulent accounts were opened in my name without my knowledge or authorization, likely due to identity theft. These accounts, reported by XXXX XXXX XXXX XXXX XXXX have been inaccurately added to my credit report. I did not open or authorize these accounts, and I have taken steps to dispute their validity. 

On XX/XX/year>, I reviewed my credit report and noticed the fraudulent accounts with the following details : Creditor Name : XXXXXXXX XXXX XXXX XXXX  Account Status : Reported as active and/or delinquent Actions Taken by Me : I contacted the credit bureaus ( XXXX, Equifax, and XXXX XXXX to dispute the accounts and requested their removal under the Fair Credit Reporting Act ( FCRA ). 
I submitted documentation to the credit bureaus explaining that the accounts were fraudulent. 
I am in the process of filing an Identity Theft Report with the Federal Trade Commission ( FTC ) to further support my dispute. 
Actions by the Company : The credit bureaus have not resolved my dispute, and the fraudulent accounts remain on my credit report. Despite my attempts to communicate the issue, the companies involved have not provided validation of the accounts or taken corrective action as required under the FCRA. This has negatively impacted my credit score and financial well-being. 

What I Am Requesting : I am requesting the removal of all fraudulent accounts associated with XXXX XXXX XXXX XXXXXXXX XXXX XXXX credit report. Additionally, I am requesting that the companies involved investigate these accounts thoroughly and comply with their obligations under the FCRA to ensure accurate reporting.

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: NJ

Complaint narrative:
I recently discovered that fraudulent accounts were opened in my name without my knowledge or authorization, likely due to identity theft. These accounts, reported by XXXX XXXX XXXX XXXX XXXX have been inaccurately added to my credit report. I did not open or authorize these accounts, and I have taken steps to dispute their validity. 

On XX/XX/year>, I reviewed my credit report and noticed the fraudulent accounts with the following details : Creditor Name : XXXX XXXX XXXX XXXX  Account Status : Reported as active and/or delinquent Actions Taken by Me : I contacted the credit bureaus ( Experian, XXXX, and XXXX XXXX to dispute the accounts and requested their removal under the Fair Credit Reporting Act ( FCRA ). 
I submitted documentation to the credit bureaus explaining that the accounts were fraudulent. 
I am in the process of filing an Identity Theft Report with the Federal Trade Commission ( FTC ) to further support my dispute. 
Actions by the Company : The credit bureaus have not resolved my dispute, and the fraudulent accounts remain on my credit report. Despite my attempts to communicate the issue, the companies involved have not provided validation of the accounts or taken corrective action as required under the FCRA. This has negatively impacted my credit score and financial well-being. 

What I Am Requesting : I am requesting the removal of all fraudulent accounts associated with XXXX XXXX XXXX XXXXXXXX from my credit report. Additionally, I am requesting that the companies involved investigate these accounts thoroughly and comply with their obligations under the FCRA to ensure accurate reporting.

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Blockchain.com, Inc.
State: ID

Complaint narrative:
About a year and half to almost two years ago I was scammed via telegram where someone supposedly wanted to meet me and have a relationship.

Company response to consumer: Closed with explanation