vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: SC

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 was authorized, I was charged fees due to the lagged posting of charges and credits. This issue aligns with the resent CEPB findings against Navy Federal for similar practices, where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request and 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 2025-01-24 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: MD

Complaint narrative:
I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unsolved. Accounts Negatively affecting my credit are XXXX XXXX account # XXXX balance {$2300.00}, XXXXXXXX XXXX account # XXXX Balance {$1100.00} and XXXX XXXX XXXX account # XXXX balance {$500.00}, XXXX XXXX XXXX account # XXXX balance {$720.00} and XXXXXXXX XXXX XXXXXXXX account # XXXX and balance {$860.00} which was a result of identity thief that the report agency failed to properly investigated and provide validation of the account. FCRA section 611 ( a ) ( 1 ) ( A ) : Requires the credit reporting agency to complete an investigation when a consumer disputes an item and either confirm its accuracy or remove it. FRCA section 611 ( a ) ( 1 ) ( B ) : Mandates that if the information is found to be inaccurate or unverifiable, the agency must correct or delete it. FCRA section 611 ( a ) ( 5 ) ( B ) : Specifies that if a previously removed item is reinserted, the agency must notify the consumer within XXXX business days.

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 2025-01-24 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 XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: FL

Complaint narrative:
Subject : Complaint Regarding Unauthorized Credit Inquiry Violation of FCRA ( 15 USC 1681b ( c ) ) To Whom It May Concern, I am filing this complaint to dispute an unauthorized credit inquiry associated with this company. The inquiry in question was made on XX/XX/2023 by XXXX XXXX XXXX XXXX XXXX XXXX. 

Upon review, I believe this inquiry was conducted without my explicit authorization or in compliance with the permissible purpose guidelines outlined in Section 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ).

The FCRA explicitly defines the permissible purposes for obtaining consumer reports. To the best of my knowledge : I did not provide explicit consent for this inquiry. 
I do not recall initiating a transaction or establishing a relationship with this company that would justify such a request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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 XXXX 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. 

Accounts being disputed : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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 am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within XXXX days. Furthermore, under 15 U.S.C.

1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. 
Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items XXXX Acct # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX  # XXXX 1. Provide me with all documentation used to verify the accuracy of the disputed information.

2. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation.

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights.

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.

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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 2025-01-24 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: KY

Complaint narrative:
I am writing to dispute inaccurate information that appears on my credit report regarding my XXXX XXXX account. Specifically, I am disputing late payment entries for XXXX and XX/XX/year>.

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 2025-01-24 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:
Credit Bureaus didn't use proper measure to investigate account for Fair Collections And Outsourcing information attached was not provided

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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
I am writing to whom it may concern regarding Zelle not properly looking into the disputes submitted to my financial institution. I was a frequent user of Zelle and have n return I was punished and charged fees resulting in me not allowed access to my account. My financial institution and Zelle failed to investigate my claims adequately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: AL

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such 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 non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have Capital One credit cards and other credit cards that I did not apply for on my credit and I don't mean just one I mean like nine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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:
Disputed to have accounts removed. information was leaked out to several datd leaks with several companies.

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 2025-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CA

Complaint narrative:
**Subject : Urgent Demand for Validation of Reporting Authority and Account Accuracy** To Whom It May Concern, I am formally disputing your continued reporting of late payments on my student loan account, which, according to my records, was **paid in full and closed**. Despite this, your company persists in reporting inaccurate negative information, which is a clear violation of my rights under federal law. I am demanding immediate proof that Edfinancial Services has the **legal right** to report this account and to substantiate your claims in full compliance with federal regulations.

Under the **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681**, and recent updates to consumer protection laws, I am requesting the following documentation : 1. **Proof of ownership and servicing rights : ** Provide certified documentation that establishes Edfinancial Services as the legal owner or authorized servicer of this student loan, including all transfer and assignment agreements from the original creditor.

2. **Regulatory compliance approval : ** Show evidence that your company is in compliance with the latest federal regulations governing student loan reporting, including any approvals or licensing required under applicable consumer protection laws.

3. **Complete account validation : ** Supply a full and detailed payment history, including confirmation that the account was **paid in full and closed**, along with proof of notifications sent to me in compliance with **12 C.F.R. 1022**, which mandates accurate reporting and consumer disclosure.

4. **Legal right to report : ** Cite the specific legal authority under which you claim the right to report this account as delinquent, including references to federal regulations that authorize such reporting.

If you are unable to provide the requested documentation within **30 days** of this notice, I demand that you **immediately cease reporting this account** to credit bureaus and remove all negative entries related to this matter. Any failure to comply with this request will result in my pursuit of legal action to enforce my rights under the law, including potential complaints to the **Consumer Financial Protection Bureau ( CFPB ) ** and other regulatory agencies. 
This letter serves as a formal demand for validation and dispute of inaccurate reporting. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
I noticed 2 credit inquiries on XX/XX/year> that were posted that same day. I placed a security freeze for the three bureaus around XXXX on XX/XX/year>. I called XXXX XXXX and XXXX on XX/XX/XXXX to close the accounts. 

The XXXX XXXXXXXX XXXX XXXXXXXX credit card opened under XXXX was opened on XX/XX/XXXX and by the end of the day, it had a {$860.00} charge out of the {$900.00} credit line on the card. 

I disputed the inquires and account with the XXXX bureaus, and XXXX and XXXX both removed the inquiries from my account. Equifax has not. I've tried 3 times and all 3 times the inquiries were labeled as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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 gave Experian copies of my FTC reports and supplemental police reports for the following accounts that were opened without my knowledge and due to my data being exposed in a data breach. They put the accounts back on my credit report which has caused me financial hardship. 
XXXX XXXX  personal loan {$6500.00} XXXX XXXX  for {$1400.00} Department of education student loans for {$20000.00} I have attempted many times to dispute these fraudulent accounts with Experian for over a year. This has caused me much stress and high interest for everything. Including homelessness.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Navient student loan opened XX/XX/year>. Amount {$2100.00}. This was supposed to be under forbearance from XXXX but it was never documented as so and it was documented as late payment.

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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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 2025-01-24 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: AL

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such 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 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
From your credit report, heres a list of accounts with adverse information : XXXX. XXXX XXXX Balance : {$250.00} Pay Status : Charge-off Estimated Removal Date : XXXX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Pay Status : Sold ; was Charged-off Estimated Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance : {$510.00} Pay Status : Charge-off Estimated Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX {$0.00} Pay Status : Sold ; was Charged-off Estimated Removal Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX : Collection Estimated Removal Date : XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX : {$930.00} Pay Status : Collection Estimated Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : {$480.00} Pay Status : Collection Estimated Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX ( multiple accounts ) Balances : {$1100.00}, {$630.00}, and {$640.00} Pay Status : Collection Estimated Removal Dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX. Portfolio Recovery Balance : {$630.00} Pay Status : Collection Estimated Removal Date : XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX : {$900.00} Pay Status : Collection Estimated Removal Date : XX/XX/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