vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: MA

Complaint narrative:
Creditors has failed to fulfill it legal obligation under the fair credit report act ( FCRA ). To conduct a reinvestigation of disputed information on my credit report, leaving inaccurate unverified accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against XXXX, XXXXne of the three participating credit bureaus, alleging systematic issues such as failing to forward consumer-provided evidence to furnishes, excepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where XXXX corrected nor removed disputed items despite the evidence provided causing undoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inactions violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : FCRA XXXX TransUnion 's Failure to Conduct a Proper Investigation Complaint Summary : I am filing this complaint against TransUnion for violating the Fair Credit Reporting Act ( FCRA ) by improperly extending the timeframe for investigating my credit dispute, failing to allow me to submit supporting documents, and failing to properly investigate my dispute despite multiple previous submissions.

FCRA Violations by TransUnion Failure to Complete Investigation Within the Required Time ( 611 ( a ) ( 1 ) ( A ) ) Under the FCRA, credit bureaus must complete an investigation within 30 days of receiving a dispute. 
My original dispute was received on XX/XX/year>, which means the legal deadline for completion was XX/XX/year>. 
TransUnion falsely extended the timeframe by XXXX additional days because they received additional information on XX/XX/year>. However, the FCRA only allows an extension if the consumer provides additional information voluntarily, not when TransUnion delays processing existing submissions.

Failure to Allow Consumers to Submit Supporting Documentation ( 611 ( a ) ( 2 ) ) TransUnion does not provide a way for consumers to upload supporting documents through their dispute system. This prevents me from exercising my rights under the FCRA to provide evidence supporting my dispute. 
I have mailed multiple dispute letters and supporting documentation, yet TransUnion has failed to acknowledge or properly process them.

Failure to Conduct a Proper Investigation ( 611 ( a ) ( 1 ) ) TransUnion is required to conduct a reasonable reinvestigation when a consumer disputes information on their credit report. 
Despite multiple dispute submissions and reports filed through the CFPB before XX/XX/year>, TransUnion has failed to investigate properly or remove fraudulent information from my report. 
The delay appears to be a tactic to prolong the dispute process, which violates the FCRAs requirement for timely and accurate investigations.

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 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The account XXXX XXXX XXXX XXXX is the result of identity theft and does not belong to me. Please remove this account from reporting on my credit report immediately, I contacted the company and the bureau requesting that this account 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 2025-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX XXXX with American Express is continuously calling my phone all throughout the day with collection calls. I have asked him to stop calling and advised him to contact my authorized representative and he continuously calls and leaves messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
Service Finance set up an unauthorized loan in my name. XX/XX/year>, my husband and I had our roof replaced by XXXX XXXX XXXX XXXX. My homeowners insurance paid for the replacement. My husband and I had a deductible amount of $ {$5000.00} on our homeowners policy. XXXX, an associate of XXXX XXXX XXXX XXXX stated that they dealt with a company that we could make lower monthly payments rather than paying all of the {$5000.00} now. I ask what a payment and interest rate would be on {$5000.00}. XXXX did not know the name of the company or the answer to my question. He ask to see my phone to find out the info I asked for and the name of the company. I foolishly handed him my phone. He also ask where I worked and my income, I gave it to him because I thought he needed it to get the payment and interest rate. He was not able to provide the name of the company or answer my question in XX/XX/year>. He stated the company would get in touch with me with that information. I never heard back from XXXX or the company until XX/XX/year>. When the company, now know as Service Finance, called in XXXX I told them I didn't need the info anymore. I had talked to XXXX before Service Finance contacted me and told him it was taking to long for them to get me that info and that I would just pay the deductible. 
It is when I called Service Finance because they called me for the first time in XXXX that I know of that Service Finance set up an unauthorized loan on me. They saw in their system where I told a Service Finance associated that I was no longer interested in that information on a payment or interest rate. It was noted in there system that I did not want a loan and to cancel whatever they thought they had on me. They were going to investigate why a loan was disbursed but in the mean time they want payments from me. Payment should come from XXXX XXXXXXXX XXXX XXXX  since they accepted the proceeds from the Service Finance unauthorized loan in XXXX. 

They keep contacting me for payment on an unauthorized loan. I have made several calls to them about where they are in their investigation. They will not tell me anything except they will contact me, I feel they are trying to take advantage of an elderly couple. My husband is XXXX and I will be XXXX in XXXX. We did not request a loan from them. It is unauthorized and the company knows this by their own notes in their system. I will not pay for the deception that I perceive. My husband and I need help. 

Thank you, PS, I never received a contract from Service Finance or XXXX XXXX XXXX XXXX  to be able to upload any contracts.

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 2025-02-05 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: MD

Complaint narrative:
Ive been with Navy Federal since 2010, and Ive had ongoing issues with overdraft fees. Ive been charged multiple overdraft fees in a single day, sometimes totaling over {$200.00}, because of the way transactions are processed. Each overdraft fee is {$29.00} for me. It seems like they dont always reflect my actual available balance at the time of purchase.

Ive also noticed that some transactions stay pending for a long time, which has led to overdraft fees when they finally post. Ive even been charged overdraft fees at ATMs and for purchases where I had enough funds when I made the transaction. Compared to my other banks, Navy Federal takes longer to process transactions, especially with XXXX, which makes it easier to get hit with these fees. 

With the lawsuit going on against Navy Federal for overdraft practices, I feel like my experience isnt unique.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National Credit Adjusters , LLC is reporting an account on my credit report that does not belong to me. I have formally requested validation of this account, including proof of my responsibility for the debt, but they have failed to respond to my request. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) Section 602 ( 15 U.S.C. 1681 ), a debt collector must provide verification of a debt upon request, and credit reporting agencies must ensure the maximum possible accuracy of the information they report. Without proper validation, this account should not be listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: ND

Complaint narrative:
I have federal direct loans in repayment. I utilize autopay through MOHELA, and my payments have never been missed. Up until the month of XX/XX/XXXX my payments are visible on my Federal Student Aid account. I have continued to make payments via autopay just as I always have. At the time of this writing I have made payments for the months of XX/XX/XXXX and XX/XX/XXXX. However, these XXXX payments have not been reported to Federal Student Aid. I spoke with Federal Student Aid who confirmed that these payments have not been reported to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: SC

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of certain information contained in my credit report. I believe that the reported information does not comply with the requirements set forth under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681o, which outlines liabilities for negligent or willful noncompliance with these statutory requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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 did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please reply promptly remove this data within 4 business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance!

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 2025-02-05 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XX/XX/XXXX Credit Bureau ( TransUnion ) TransUnion LLC consumer dispute center po box XXXX XXXX, Pa XXXX Subject : Dispute of Collection Account Violation of FCRA & CFPB Guidelines Dear Transunion, I am disputing an account reported by XXXX XXXX  on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) regulations, I am requesting validation of this debt. 
FCRA 609 ( a ) ( 1 ) requires the furnisher to provide full documentation validating the account.

FCRA 623 ( a ) ( 3 ) mandates furnishers to report only accurate information. If they can not verify it, the item must be deleted. 
XXXX v. TransUnion ( XXXX ) ruled that credit bureaus must conduct reasonable investigations of consumer disputes. 

I demand an immediate investigation into this matter. If XXXX XXXX can not provide documented proof that I owe this debt, including a signed contract with the original creditor, this account must be deleted from my credit report. 

Sincerely, 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
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX Date : XXXX/XXXX/2025 To : SageStream , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request to Update Public Records with Phone Number Dear SageStream Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: KY

Complaint narrative:
I received emails from MOHELA and spoke to supervisors several times who said that during the MOHELA platform forebearance in XXXX 2024 the payments would count toward PSLF and in addition the SAVE recalculation forebearance in XX/XX/year> would also count toward PSLF. In addition, I have a month that is missing in XX/XX/year> in which student aid appears to not have the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action XXXXay constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 davs to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

If vour office fails to respond to this validation request within 30 davs from the date of your receipt. all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation