vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Request for Investigation and Correction of Disputed Account - TEXAS XXXX XXXX Dear CFPB, I am writing to formally dispute inaccurate late payment information reported on my credit report for the account TEXAS XXXX XXXX, with the following details : Account Number : XXXX High Balance : {$14000.00} Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX and Equifax XXXX Balance Owed : {$9000.00} ( XXXX and XXXX ), {$9100.00} ( Equifax XXXX Account Type : Unsecured Loan Account Status : Open Payment Status : Current Discrepancies and Errors : Late Payments Reported in Error : XXXX : Late payments reported for XX/XX/XXXX and XX/XX/XXXX. 
XXXX : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Equifax : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These late payments are inaccurate as all payments for the account were made on time, as confirmed by my records. 
Inconsistent Reporting : XXXX and Equifax report the last verified date as missing, while XXXX accurately lists it as XX/XX/XXXX. 
The reported balances for the account differ between XXXX ( {$9000.00} ) and Equifax ( {$9100.00} ). 
Legal References : Under the Fair Credit Reporting Act ( FCRA ) : 15 USC 1681i ( a ) : Credit reporting agencies must conduct a reinvestigation of disputed information to determine its accuracy.

15 USC 1681e ( b ) : CRAs must ensure maximum accuracy in the preparation of consumer reports.

15 USC 1666 ( b ) : Mandates timely and accurate billing practices.

The discrepancies in my report are a violation of the above statutes, as the late payments are unsupported by evidence and the reporting is inconsistent.

Request for Action : Correct the payment history for 08/2023, 09/2023, and 10/2023 to reflect an " OK '' status across all bureaus.

Provide a detailed description of the investigation process per 15 USC 1681i ( a ) ( 7 ), including the method and evidence used to verify the reported late payments.

If unable to verify the accuracy of the late payments, update the account status to Paid As Agreed Never Late and provide written confirmation of the correction.

Under the FCRA, you are required to complete your investigation within 30 days of receiving this dispute and provide a written response. If no action is taken or the information remains inaccurate, I will escalate the matter with the Consumer Financial Protection Bureau ( CFPB ) for further review.

I appreciate your immediate attention to this matter and look forward to your prompt response. 
Sincerely, XXXX XXXX

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: EQUIFAX, INC.
State: GA

Complaint narrative:
This debt has been classified as a charge-off ; however, it should actually be considered income, as I should have received a Form 1099-C to properly account for it. This is not a charge-off, and I am requesting its removal from my credit report, as it does not represent an outstanding debt. Since it is classified as income, it should not appear on my credit report.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This debt has been classified as a charge-off ; however, it should actually be considered income, as I should have received a Form 1099-C to properly account for it. This is not a charge-off, and I am requesting its removal from my credit report, as it does not represent an outstanding debt. Since it is classified as income, it should not appear on my credit report.

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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX/ XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2025-01-23 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 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: VA

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: IN

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. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( bX4 ) 5-1002.142 ( b ) ( 7 ) When your bul that day, printo ation fost of treat creat Reporting Act. I am a victim ofXX/XX/XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts, XXXX XXXX XXXX XXXX. {$2100.00} XXXX XXXX XXXX XXXX {$2000.00}

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

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 redres for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having insufficient funds when transactions were authorized, I was charged 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. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: 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: GA

Complaint narrative:
I am writing to file a formal complaint against Experian for failing to delete inaccurate information from my credit report, despite clear evidence that the information is incorrect. 

The New York XXXX XXXX XXXX XXXX ( account number XXXX ) is inaccurately reporting that I owe money, and they have listed this account as being in collections. However, I have a court order, signed and sealed by a judge, confirming that I owe {$0.00} on this child support case. This court order is conclusive proof that the information being reported by Experian is incorrect. 

I submitted a dispute to Experian on XX/XX/scrub> 2025, along with a copy of the court order, requesting the removal of this inaccurate information from my credit report. However, Experian failed to delete the account within the required time frame, and the inaccurate information remains on my credit report. 

This failure to act violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must promptly investigate disputes and delete inaccurate or unverifiable information. 

The inaccurate reporting by Experian is causing significant harm to my creditworthiness and personal financial situation. I respectfully request your assistance in ensuring that Experian complies with the law and removes the inaccurate account from my credit report immediately. 

Please let me know if you need further documentation or information to resolve this matter. Thank you for your time and attention to this issue

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: EQUIFAX, INC.
State: GA

Complaint narrative:
these are the accounts i marked as inaccurate 1 XX/XX/XXXXXXXX {$23000.00} I disputed inaccuate loan amount, car was reposessed and sold by original sales company that left a balance of XXXX XX/XX/XXXX on original purchase price. no action taken by company to fix the inaccuracy. 

2 XXXX XXXX XXXX XXXX {$2400.00} I Disputed the account was not mine no action taken by company. 

3 XXXX XXXX XXXX XXXX {$2200.00} I Disputed account not mine no action taken by company 4 XXXX XXXX XXXX {$2000.00} I Disputed account not mine no action taken by company.

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: Westlake Services, LLC
State: GA

Complaint narrative:
This debt has been classified as a charge-off ; however, it should actually be considered income, as I should have received a Form 1099-C to properly account for it. This is not a charge-off, and I am requesting its removal from my credit report, as it does not represent an outstanding debt. Since it is classified as income, it should not appear on my credit report.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Below is the student loans and as you read them you will see they have been paid off years ago and now saying installments and not showing when I was able to log in. I also been notified by Self I am working to build back up credit with. They sent a email saying that I have many on time bills I paid not listing. I also went threw XXXX XXXX and worked with them about my student loans threw. Trying to get the rest of other information gathered to download to you

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: NJ

Complaint narrative:
I filed a dispute on XXXX, TransUnion, and XXXX for account number ( XXXX, XXXX XXXX XXXX ) which is a collection for a previously disputed ( XXXX, XXXX ), and ( XXXX, XX/XX/XXXX XXXX ) due to having no knowledge of this accounts or collection accounts. All companies, especially XXXX, has denied to follow up with the investigation. I was recently notified that CFPB has a lawsuit against XXXX. They accuse 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 or verify account to be mine. Im requesting this derogatory remarks be removed or correctly immediately as its affecting my ability to get a home and car. XXXX violates my rights as a consumer, as well as federal laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I filed a dispute on XXXX, XXXX, and Equifax for account number ( XXXX, XXXX XXXX XXXX ) which is a collection for a previously disputed ( XXXX, XXXX ), and ( XXXX, XX/XX/XXXXL XXXX ) due to having no knowledge of this accounts or collection accounts. All companies, especially XXXX, has denied to follow up with the investigation. I was recently notified that CFPB has a lawsuit against XXXX. They accuse 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 or verify account to be mine. Im requesting this derogatory remarks be removed or correctly immediately as its affecting my ability to get a home and car. XXXX violates my rights as a consumer, as well as federal laws.

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

Complaint narrative:
I am filing a complaint against Equifax for failing to propeny 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. XXXX ) 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 2025-01-23 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act Midland Credit Management Inc accounts opened XX/XX/XXXX and XX/XX/XXXX has violated my rights. 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 an account without my written instructions. I was also notified that all my information was in a data breach withXX/XX/XXXX and XXXX.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The credit bureaus Equifax, XXXX and XXXX have failed to prove that the debt in my credit report is in my name. I have sent multiple dispute letters without resolution and I would like them to remove the incorrect information that is in my credit report and only report what should be under my legal name.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The credit bureaus XXXX, Experian and XXXX have failed to prove that the debt in my credit report is in my name. I have sent multiple dispute letters without resolution and I would like them to remove the incorrect information that is in my credit report and only report what should be under my legal name.

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: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Spring Oaks Capital , LLC charges off an account in the amount of {$640.00}. However they use this as a write off on their end but intentionally neglect to send me a 1099-C form for each year they have reported the charges off amount. Theyre have charged off the amount {$640.00} but still report and show it as an amount due currently. Which you cant have a charged off amount and still report it to the credit bureaus as a current amount due.

Company response to consumer: Closed with explanation