vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: PA

Complaint narrative:
I am filing a complaint against Equifax for failing to propery 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 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.

These are the accounts that Ive marked inaccurate : all addresses other than XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all telephone numbers other than XXXX, all employers other than the XXXX XXXX XXXX XXXX XXXX ( XXXX ), all names other than XXXX XXXX XXXX, which is my full legal name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: PA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigating of disputed information on my credit report, leaving inaccurate or unverifiable accounts. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, 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 XXXX, Transunion, & XXXX has neither corrected nor removed disputed account XXXX XXXX from my report. This account has been paid & closed. I am requesting immediate corrective action to remove this account. XXXX, Transunion, & XXXX inactions are violating federal laws 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 non-monetary relief
Consumer complaint received 2025-01-22 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: TX

Complaint narrative:
There is an item listed on my credit reports that is inaccurate or out of date. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. The item, XXXX XXXX XXXX XXXX for XXXX XXXX in the amount of {$250.00} show on my Experian report, has been paid off and the company has provided a letter of it being paid in full. Considering the information indicating a Fair Credit Reporting Act violation, I need this information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately or update to paid in full. To be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). I have attached the documentation from NATIONAL CREDIT SYSTEM that they have recorded that full payment has been made on the account. Failure to respond in a satisfactory manner within 30 days or unlawful non-compliant responses will lead to legal action.

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 2025-01-22 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: FL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2025-01-22 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: IL

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

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 2025-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am writing to formally dispute the interest rates applied to my **360 Savings account** with Capital One. I believe I was misled about the interest rates and was not informed about the **360 Performance Savings account**, which offered significantly higher rates.

I request a detailed calculation of the interest I believe I lost and appropriate compensation for the discrepancy. Please find attached copies of my account statements and any relevant promotional materials. 

I look forward to your prompt response and resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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:
Navy federal keep place overdraft fees of {$20.00} for over the past XXXX  years. Especially when I would use my debit card and the funds should be deducted right then and there. They also would charge me almost XXXX dollars in overdraft fees. When I dont have the funds available. Likely if the money is not there why am I getting charged? Not to mention that outrageous oops program

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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 writing to formally dispute several accounts that have been fraudulently reported under my credit profile. This dispute is submitted in accordance with the Fair Credit Reporting Act ( FCRA ), as my personal information and identity were compromised, resulting in the unauthorized opening and reporting of the following accounts : XXXXXXXX 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 XXXXXXXX These accounts were opened or reported without my knowledge or consent. This constitutes a violation of my rights under the FCRA, particularly : 15 U.S.C. 1681 Section 602 ( a ) Protecting my right to privacy and safeguarding against inaccurate reporting of accounts not belonging to me.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) Prohibiting consumer reporting agencies from furnishing accounts without my explicit written consent.

I have attached supporting documentation to substantiate my dispute, including : A personal statement detailing the circumstances surrounding the compromise of my identity.

Records pertinent to my case.

I respectfully request that the CFPB initiate a thorough investigation into these accounts, verify their validity, and ensure their removal from my credit profile. 

Thank you for your prompt attention to this matter. Should you require any additional information, please do not hesitate to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
i have disputed accounts on my report that should not be there. when i disputed them i gave specific instructions that the only actual way to verify those accounts are my responsibility is to have the original contracts bearing my wet ink signature produced and if that could not be done then those accounts can not be on my report. this was ignored and the accounts remain. i disputed with experian.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CL Holdings LLC
State: CA

Complaint narrative:
i have disputed accounts on my report that should not be there. when i disputed them i gave specific instructions that the only actual way to verify those accounts are my responsibility is to have the original contracts bearing my wet ink signature produced and if that could not be done then those accounts can not be on my report. this was ignored and the accounts remain. i disputed with experian.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX, XXXX XXXX {$73.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$240.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$1800.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1100.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$3500.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Havent received direct deposit from last payroll XX/XX/year>. Company had an outage and was resolved but still have not received money on my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
A few times Ive had money taken from my account was not the correct amount. Ive had my account hacked and money was withdrawn that I did not authorize. I filed a claim. Nothing was done. I tried to contact and speak to a live person. Never got through with a number Just only online communication..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: PA

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the accounts are 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, Transunion action may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.SC. 5536 ( a ) ( 1 ) ( A ) - ( B ). I request that the CFPB take action to ensure Transunion complies with the federal law and provides consumers with the necessary proof of investigation. Accounts =XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXXXXXX # 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 2025-01-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I received a collections notification via mail and email from LVNV Funding and I would like verification of the original payment history, the signed contract for the debt from the original creditor, as well as the date and documentation of the first delinquency. I haven't received any proper information to verify the accuracy of this account. If they can't provide the requested information, I am requesting that this be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I am writing to formally file a complaint against Wells Fargo regarding multiple overdraft fees charged to my account. Despite having sufficient funds at the time transactions were authorized, I was still assessed fees due to delayed posting of charges and credits. 

This issue mirrors the recent findings by the Consumer Financial Protection Bureau ( CFPB ) against Wells Fargo for similar practices, where transactions were settled with insufficient balances despite sufficient funds being available initially. I believe these practices are unfair and have caused undue financial strain. 

I kindly request a thorough investigation into my account transactions to address these discrepancies. I am also requesting a resolution, including the refund of any improperly charged overdraft fees. 

Please let me know if you require additional details or documentation to support my claim. I look forward to your prompt response. 

Thank you for your attention to 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 monetary relief
Consumer complaint received 2025-01-22 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: GA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
XX/XX/year> badcock furniture called my husbands parents about our debt. They disclosed how much the debt was to them without our permission. They told them we owed {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
Made payments to the wrong person through Zelle and Zelle does not have have fraud protection XX/XX/year> XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Account number XXXX from American Express appears as a charge-off on my credit report. According to the IRS, an unpaid charge-off is income, and according to the FCRA, XXXX can not be reported on a credit report. Im requesting a XXXX ( Cancellation of Debt ) from the above account and be removed from credit report. This account can not be reported as a charge-off on my credit report. If the account was sold to another lender. Please send the XXXX form.

Company response to consumer: Closed with explanation