vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
Check Systems has negative information I do not have any charged off bank accounts

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 2025-01-25 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: GA

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, XXXX '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. 

These are the accounts marked as inaccurate. 

XXXX XXXX - XXXX - This is not accurate. XXXX XXXX is XXXX! 
XXXX - XXXX - This is not accurate. - XXXX XXXX is XXXX! 
XXXX - XXXX - This is not accurate. - XXXX XXXX is XXXX! 
XXXX - XXXX - This is not accurate. - XXXX XXXX is XXXX! 
XXXX - XXXX - This is not accurate. - XXXX XXXX is XXXX! 
XXXX XXXX - XXXX - This is not accurate. - XXXX XXXX is XXXX! 
XXXX - XXXX - This is not accurate. - XXXX XXXX is XXXX! 
XXXX XXXX - XXXX - This is not accurate. - XXXX XXXX is XXXX! 
XXXX XXXX XXXX - XXXX - This is not accurate. - XXXX XXXX is XXXX! 
XXXX XXXX XXXX XXXX XXXXXXXX - This is not accurate. - XXXX XXXX is XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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 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, XXXX '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. 

These are the accounts marked as inaccurate. 

XXXX XXXX - XXXX - This is not accurate. XXXX XXXX is XXXX! 
XXXX - XXXX - This is not accurate. - XXXX XXXX is XXXX! 
XXXX - XXXX - This is not accurate. - XXXX XXXX is XXXX! 
XXXX - XXXX - This is not accurate. - XXXX XXXX is XXXX! 
XXXX - XXXX - This is not accurate. - XXXX XXXX is XXXX! 
XXXX XXXX - XXXX - This is not accurate. - XXXX XXXX is XXXX! 
XXXX - XXXX - This is not accurate. - XXXX XXXX is XXXX! 
XXXX XXXX - XXXX - This is not accurate. - XXXX XXXX is XXXX! 
XXXX XXXX XXXX - XXXX - This is not accurate. - XXXX XXXX is XXXX! 
XXXX XXXX XXXX XXXX XXXXXXXX - This is not accurate. - XXXX XXXX is 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 2025-01-25 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: VA

Complaint narrative:
I contacted XXXX, Experian XXXX XXXX to dispute the reports on my account based on the social security fraud that was taken place when I opened any of the accounts, unknowing to me at the time my signature is what created the credit to begin with and I kept receiving bills even though when approved by these companies every was paid and full at time of signature. 

15 U.S. Code 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

15 U.S. Code 1662 - Advertising of downpayments and installments No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.

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 2025-01-25 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : 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 explanation
Consumer complaint received 2025-01-25 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: OK

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: NV

Complaint narrative:
Im writing because the inaccuracies on my report are causing real, measurable harm. My score is suffering, and its closing doors to opportunities that I should have access to. Its not fair to be held back by mistakes that arent even mine, and I cant keep dealing with this unnecessary stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: CA

Complaint narrative:
Your company has placed inquiries on my credit report without my permission, and its causing me a lot of unnecessary financial problems.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To whom it may concern, I am filing this complaint regarding the XXXX, XXXX account listed on my credit report, which was inaccurately charged off in XX/XX/XXXX and continues to be reported as 90 days past due as of XX/XX/XXXX. Despite multiple disputes with all three credit bureaus, this account continues to be verified and remains on my credit report, harming my credit score. 

Account Name : XXXX, XXXX. 
Account Number : XXXX  Date Opened : XX/XX/XXXXXXXX  Status : Charged off, 90 days past due. 
Balance : {$160.00} past due as of XX/XX/XXXXXXXX  Charge-Off Date : Reported as XX/XX/XXXX. 
First Delinquency Date : Reported inaccurately. 
Balance Reported as of XX/XX/XXXX : {$160.00} Issue : The charge-off and delinquency dates appear to be incorrect, and I have not received proper documentation that confirms these dates. Ive disputed this issue with XXXX, XXXX, and TransUnion several times, but the information was repeatedly verified without a proper investigation into the matter. This has caused continued damage to my credit report and score. 

Violations of the Fair Credit Reporting Act ( FCRA ) : FCRA 1681i Reinvestigation of Disputed Information : XXXX XXXX XXXX and the credit bureaus failed to conduct a proper investigation after I disputed this account multiple times. The FCRA requires an investigation to be reasonable and thorough, which was not the case here. No evidence was provided of a proper reinvestigation or correction of the reported errors. 

FCRA 1681c Time Limitations on Reporting : The charge-off and delinquency dates are incorrect. Under the FCRA, negative information such as charge-offs can remain on the credit report for 7 years from the date of first delinquency. However, I believe this information will stay on my report for longer than legally allowed due to incorrect reporting. The dates dont seem to align with the actual timeline of when the delinquency occurred. 

FCRA 1681s-2 ( b ) Duties of Furnishers of Information : XXXX, XXXX did not provide the proper documentation proving that the account was correctly charged off or the delinquencies were accurate. The failure to provide such documentation after multiple disputes is a violation of their obligations as a furnisher of information.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom it may concern, I am filing this complaint regarding the XXXX, XXXX account listed on my credit report, which was inaccurately charged off in XX/XX/XXXXXXXX  and continues to be reported as 90 days past due as of XX/XX/XXXX. Despite multiple disputes with all three credit bureaus, this account continues to be verified and remains on my credit report, harming my credit score. 

Account Name : XXXX, XXXX. 
Account Number : XXXX  Date Opened : XX/XX/XXXXXXXX   Status : Charged off, 90 days past due. 
Balance : {$160.00} past due as of XX/XX/XXXXXXXX   Charge-Off Date : Reported as XX/XX/XXXX. 
First Delinquency Date : Reported inaccurately. 
Balance Reported as of XX/XX/XXXXXXXX  : {$160.00} Issue : The charge-off and delinquency dates appear to be incorrect, and I have not received proper documentation that confirms these dates. Ive disputed this issue with Equifax, XXXX, and XXXX several times, but the information was repeatedly verified without a proper investigation into the matter. This has caused continued damage to my credit report and score. 

Violations of the Fair Credit Reporting Act ( FCRA ) : FCRA 1681i Reinvestigation of Disputed Information : XXXX XXXX XXXX and the credit bureaus failed to conduct a proper investigation after I disputed this account multiple times. The FCRA requires an investigation to be reasonable and thorough, which was not the case here. No evidence was provided of a proper reinvestigation or correction of the reported errors. 

FCRA 1681c Time Limitations on Reporting : The charge-off and delinquency dates are incorrect. Under the FCRA, negative information such as charge-offs can remain on the credit report for 7 years from the date of first delinquency. However, I believe this information will stay on my report for longer than legally allowed due to incorrect reporting. The dates dont seem to align with the actual timeline of when the delinquency occurred. 

FCRA 1681s-2 ( b ) Duties of Furnishers of Information : XXXX, XXXX. did not provide the proper documentation proving that the account was correctly charged off or the delinquencies were accurate. The failure to provide such documentation after multiple disputes is a violation of their obligations as a furnisher of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: AL

Complaint narrative:
According to the FCRA they are in violation of section 605 B, it is illegal to report any information on my report without my permission and I have the right to an accurate credit report. Please remove these items immediately as they are hindering me from handling important matters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: IN

Complaint narrative:
In XXXX, I was made aware of an account opened in my name with XXXX XXXX XXXX XXXX. I found this out be receiving collection calls. I checked my credit report and located a collection placed placed by XXXX XXXX XXXX mobility with XXXX XXXX. I disputed the debt directly with the 3 credit bureaus, multiple times, with limited success. I had one bureau take it off. The other two left it in place. I filed a complaint with the state of Indiana attorney general office on XX/XX/XXXX against XXXX  and XXXX XXXX XXXX. I received response from the attorney general office on XX/XX/XXXX. That response included a letter from XXXX agreeing to delete the debt and cease collection. They stated I would need to complete a fraud packet from XXXX XXXX XXXX  which I would receive in the mail. I never received the fraud packet. The item was removed from my credit and i assumed the issue resolved. Last year I noted this item again on my credit. I disputed it with limited success. I was told the debt was validated. But shortly thereafter, it dropped off my reports again. Fastforward to today, I am attempting to get a mortgage to buy a home, and this fraudulent invalid charge is causing underwriters to pause my loan. I am at risk of losing out on the purchasing the home. I have to be out of my current home by XXXX, and will be left with few options if this not resolved. The debt is being reported by Radius Solutions whom I have never had dealings with. I have also NEVER done business with XXXX XXXX XXXX XXXX, yet they insist this is my debt. XXXX XXXX XXXX is neglient in that they clearly never confirmed the identity of the person who they opened an account for using my name. Radius negligent in assuming the debt is valid without out doing any due diligence. Neither party ever contacted me to ask for personal information to verify. They simply said it was mine and reported it.

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 2025-01-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
To whom it may concern.. 
I have recently reviewed my credit report, In doing so, I found instances of a late payment on an account for which I have always made timely payments for. 
Being so many things in life rely on good credit, I thoroughly believe the information within the credit report should be extremely accurate. 
I havent ever missed a payment on any of my accounts, including my longest standing acct. Which is the XXXX XXXX XXXX account, acct # XXXX. 
Therefore Im requesting that a thorough investigation is submitted regarding these discrepancies. I urge you to provide evidence.

Such as statements demonstrating the lateness of the payments.if unable to provide such proof I demand these payments be promptly updated to reflect their true status as on time/ no late payments, being I have consistently upheld my payment obligations without delay

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: MS

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 removed

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Im a victim identity theft someone use my personal information without my permission to open unauthorized accounts and or make fraudulent charges. I do not authorize these account or transactions and I request that they be removed from my credit report.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Im a victim identity theft someone use my personal information without my permission to open unauthorized accounts and or make fraudulent charges. I do not authorize these account or transactions and I request that they be removed from my credit report.

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 2025-01-25 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: MD

Complaint narrative:
I looked at my credit report on XX/XX/year> and noticed some things are inaccurate and incomplete. According to the fair credit reporting act, 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. This account : ACCOUNT NAME- XXXX XXXX XXXX.This account is not complete and is not accurate. 

XXXX XXXX - XXXX open date is not reporting correctly, date last active, date of last payment is not correct. This account is not accurate. On XX/XX/year> I sent a letter requesting for this account to be re-investigated XXXX XXXX XXXX here is my tracking number XXXX. I got the investigation back but noticed nothing was modified or updated. So, I requested a description of the re-investigation and it was not provided to me which is a violation of 15 USC 1681i7

Company response to consumer: Closed with explanation