vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Inquired about a debt in collections in the amount of {$910.00} that was preventing me from obtaining an apartment in XXXX. Reached out and agreed to pay full amount in return for deletion. Paid the debt in full and states that it was paid XX/XX/XXXX. Status has been changed but then reopened and then closed again. Updates XX/XX/XXXX on one report, XX/XX/XXXX on another.

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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor remdisputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights asoved

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 — Problem with personal statement of dispute
Company: DISCOVER BANK
State: MI

Complaint narrative:
I have fraudulent negative accounts on my credit report a third party brought the debt and keeps coming back updated and verified for result

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 — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I have fraudulent negative accounts on my credit report a third party brought the debt and keeps coming back updated and verified for result

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: Improper use of your report — Reporting company used your report improperly
Company: Prosper Marketplace, Inc.
State: OH

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I have a checking account with NFCU ending in XXXX. I have a debit card ending in XXXX. Recently I have been frozen my debit card because I need to keep track of my withdrawals and all transactions since the bank failed me before by letting many transactions happening and not notifying me. Now since I started freezing my card, I would received a text message ( attached ) notifying of any declined transactions. Today ( XX/XX/XXXX ) I was notified of a declined transaction of {$86.00} however upon checking my account the transaction went through successfully. This has been ongoing since the week of XX/XX/XXXX. The bank would sent me a message saying that the transaction was declined because of my card being frozen but when I check the transaction would be posted and most of the time causing me overdrafts fees which the bank benefits from. The merchant in question is XXXX. I have attempted to get a new card but the wait for a new card is too long and the overnight option is too costly.

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: 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I filed a dispute on XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX due to XXXX  XXXX & Natural Disaster XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances ' getting home. XXXX violates my rights as a consumer, as well as federal laws.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I requested immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CIG FINANCIAL LLC
State: AZ

Complaint narrative:
I have disputed the amount that should be reported. They are reporting a higher amount due and not reporting the payments I have made in the past. They update it and then retract what they update. They add comments/remarks which maintained my score, but then retracted their remarks which has dropped my score down XXXX points and then additional XXXX points because they keep changing their remarks.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There not sending the informatiom i need to prove that this debts or mine Placed for collection XX/XX/XXXX Bal {$1.00} Place for collection XX/XX/XXXX {$670.00} Place for charge off XX/XX/XXXX XXXX {$1.00}

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: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: SC

Complaint narrative:
There not sending the informatiom i need to prove that this debts or mine Placed for collection XX/XX/XXXX Bal {$1.00} Place for collection XX/XX/XXXXXXXX  {$670.00} Place for charge off XX/XX/XXXX XXXX {$1.00}

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Several concerns have been identified, including unauthorized or unapproved inquiries from multiple creditors, as well as data breaches : XXXX and XXXX : Data breaches reported in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Verifications.io with TransUnion and XXXX : XXXX reported in XX/XX/XXXX. 
XXXX XXXX XXXX : Data breach exposing personal information on XX/XX/XXXX. 
Summary of Creditor Inquiries : Creditor Name Type of Business Date of XXXX Credit Bureau XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX ( Non-Medical ) XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Factual Data Mortgage Companies - Credit Union XX/XX/XXXX TransUnion

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: Getting a credit card — Sent card you never applied for
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I opened case CFPB Case XXXX  XXXX, but the response was not even close to helpful. 

They said " After a thorough review of your account, we can confirm that a SoFi Bank Checking and Savings Account was applied for and approved on XX/XX/XXXX. You contacted us on XX/XX/XXXX, to inquire about a SoFi Bank Debit Card you have received but did not request. For security purposes, a restriction was placed on your account so our Member Security Team could conduct a review.. On XX/XX/XXXX, the SoFi Bank Checking and Savings Account was closed and the debit card was deactivated. At the time the account was closed, there was a remaining balance of {$25.00}, and a check was mailed to the address on file.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am filing a complaint with the CFPB regarding Bank of America 's failure to deposit my checks from my employer and any other incoming deposits. Bank of America has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. 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 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding Experians failure to provide proof that I own a debt as requested. 

In XXXX, I reached out to Experian and requested documentation or a letter with evidence to validate that I own a specific debt listed on my credit report. Despite my request, Experian failed to provide the required proof of ownership of the debt. This lack of response has caused significant frustration and concern, as it is my right under the Fair Debt Collection Practices Act ( FDCPA ) to have debts properly validated. 

Without proper validation, this debt remains unsubstantiated and continues to impact my credit profile negatively. I believe this is a violation of my rights as a consumer. 

I respectfully request your assistance in ensuring that Experian either provides the necessary proof of ownership for the debt or removes it from my credit report promptly. I am attaching any relevant documents, including my original request and follow-ups, to support my case

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: PA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
formal complaint to the Consumer Financial Protection Bureau ( CFPB ) : Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Subject : Complaint Against Experian for Account Accuracy, FCRA Violations, and Mishandling of Data To Whom It May Concern, I am filing this complaint against Experian due to their continuous failure to comply with the Fair Credit Reporting Act ( FCRA ) and ensure the accuracy of the information reported on my credit file. Despite my repeated efforts to resolve these issues directly with Experian, the problems persist.

Issues : 1. Inaccurate Verification Process : I have disputed multiple inaccurate items on my credit report with Experian.

Each time, I am told the creditors have verified the information, even though I have provided evidence proving otherwise.

This flawed verification process is resulting in unfair and inaccurate reporting.

2. Misclassification of Charge-Offs : Certain charge-offs are being reported as collection accounts, which is incorrect.

Charge-offs are considered income to me, not collections, and this mislabeling is damaging my credit profile. 
XXXX. Recent Data Breach : XXXX recent data breach has further compromised my trust in their ability to safeguard my personal and financial information.

As a consumer, I feel vulnerable knowing that my data may be at risk while they continue to mishandle my account accuracy concerns.

4. Violation of the FCRA : Experian is obligated to maintain accurate and fair credit reporting practices under the FCRA. Their continued inaccuracies and refusal to correct errors despite my evidence constitute a clear violation of these regulations.

Efforts to Resolve : I have made repeated attempts to fix these issues directly with Experian, but they have failed to address my concerns in a fair and timely manner. Each time, they dismiss my disputes with generic responses stating the creditors have verified the information, without providing substantial evidence or explanation.

Request for Relief : I am requesting the following actions from the CFPB : Investigate Experians flawed verification process.

Require Experian to correct the inaccuracies on my credit file.

Hold Experian accountable for mishandling consumer data and for failing to comply with FCRA guidelines.

Thank you for your time and assistance in this matter. I look forward to your response and hope for a resolution to these ongoing issues. 

Sincerely, 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 2025-01-23 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: NY

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Finacial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer -provided evidence to furnisher, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several incorrect accounts. I have asked for these accounts to be verified in the past and have provided an FTC report and have a CFPB profile where I've repeatedly complained. Some accounts have been returned to my profile incorrectly. Here is a new FTC number regarding this account. FTC Report # XXXX I was notified that the CFPB has filed a lawsuit against XXXX and I have been experiencing the same across all XXXX bureaus! I'm requesting these accounts be removed or corrected immediately as it is affecting my chances of getting a house, car and other items. TransUnion, XXXX and XXXX all violate my rights as a consumer, as well as federal laws. 
I would like all reported accounts to be removed corrected immediately! 


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 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 non-monetary relief