vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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:
Subject : Formal Dispute Regarding Inaccurate Information on my Credit Report Dear Credit Reporting Agency I am writing to formally dispute inaccurate information on my credit report that I believe in harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by the federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX, Experian and XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. Theses practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed an inaccurate information without explanation. Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similiar manner.

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 2025-01-24 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 filing a complaint against Equifax for failing to properly 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 ( 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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a comp

laint 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 inconvenien
ce and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-01-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XXXX XXXX, I had a dental XXXX done at XXXX office in XXXX, XXXX. I was told that they offer a credit type loan that can be used to pay for the dental XXXX. Without knowing the terms of the card, I provided my personal information and was approved. With all my cards, I set up an automatic payment to make sure payments are applied. Today, XX/XX/XXXX, I found that I was charged roughly {$XXXX} worth of interest. I called XXXX Credit Card department and asked to speak to the representative. I asked to see if there is any way to waive the interest and it was unbeknownst to me. I have also offered to pay the principle balance but they declined. I have asked to be provided another number, which they provided the dispute customer care number to me. I spoke to another rep and was told that they can not do anything and this is quite upsetting. I wouldnt mind paying the balance off minus the {$XXXX} deferred interest. Not only this but my husband told me its illegal in XXXX  to have a medical office proactively sell this type of credit product.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-24 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: LA

Complaint narrative:
Experience has failed to fulfill its legal obligation under the Fait Credit Reporting Act to conduct a reasonable reinvesigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The 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. Experience has neither corrected nor removed the inaccurate information from my credit report. This practice violated the Fair Credit Reporting Act, 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. I request that CFPB take action to ensure XXXX complies with federal law and provide consumers with necessary proof.

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 2025-01-24 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: CA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-01-24 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: MD

Complaint narrative:
On XX/XX/2024 XXXX XXXX Bank received a request for Validation. They sent an accounting of " STATEMENTS '', which does not validate a debt. XXXX was notified via certified mail # XXXX XXXX XXXX XXXX XXXX XXXX, they were given notice of the errant account. They initiated a reinvestigation and said the account was " Verified ''. XXXX is not a validation. XXXX XXXX Bank could not provide proof of contract with my wet-ink signature. Lack of a signed promissory note with my signature means the " alleged debt '' is not valid. XXXX has failed to list the account a " disputed '' therefore are committing FCRA violations. XXXX has failed to properly investigate XXXX XXXX BANK, if they did, they too would assert that XXXX XXXX BANK has not validated the debt. These are all FCRA violations.

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 2025-01-24 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: MD

Complaint narrative:
On XX/XX/2024 XXXX XXXX Bank received a request for Validation. They sent an accounting of " STATEMENTS '', which does not validate a debt. XXXX was notified via certified mail # XXXX XXXX XXXX XXXX XXXX XXXX, they were given notice of the errant account. They initiated a reinvestigation and said the account was " Verified ''. XXXX is not a validation. XXXX XXXX Bank could not provide proof of contract with my wet-ink signature. Lack of a signed promissory note with my signature means the " alleged debt '' is not valid. XXXX has failed to list the account a " disputed '' therefore are committing FCRA violations. XXXX has failed to properly investigate XXXX XXXX BANK, if they did, they too would assert that XXXX XXXX BANK has not validated the debt. These are all FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: MD

Complaint narrative:
On XX/XX/2024 XXXX XXXX Bank received a request for Validation. They sent an accounting of " STATEMENTS '', which does not validate a debt. Experian was notified via certified mail # XXXX XXXX XXXX XXXX XXXX XXXX, they were given notice of the errant account. They initiated a reinvestigation and said the account was " Verified ''. XXXX is not a validation. XXXX XXXX Bank could not provide proof of contract with my wet-ink signature. Lack of a signed promissory note with my signature means the " alleged debt '' is not valid. EXPERIAN has failed to list the account a " disputed '' therefore are committing FCRA violations. EXPERIAN has failed to properly investigate XXXX XXXX BANK, if they did, they too would assert that XXXX XXXX BANK has not validated the debt. These are all FCRA violations.

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 2025-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX Experian I file a dispute with Experian or the following XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT ; XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX ACCT ; XXXX XXXX XXXX XXXX AND THEY FAILED TO REINVESTGATE THE DISPUTES

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 2025-01-24 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: FL

Complaint narrative:
FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer XXXX credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
Account name : XXXX Date Opened : XX/XX/XXXX Account name : XXXX Date opened : XX/XX/XXXX Account name : XXXX XXXX opened : XX/XX/XXXX Account name : XXXX XXXX opened : XX/XX/XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer XXXX credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: TX

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. 
For both open and closed accounts in my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service a

nd 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 redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
I begin getting phone calls, letters from these creditors. I provided my correct nformation to XXXX, XXXX and Tranunion along with my identification, the police report, corrected social security number and contact information. There was no investigation done. The information I gave to them verifying that the accounts were not mine, they updated my account with the correct information and passed it to the creditors that I was disputing. Hence, the demand for payment calls, a bounty hunter who threatened to come to my job if I didn't pay, letters and emails are now coming. Collection agencies are harassing for these accounts as well. 
I spoke with representatives from Transunion, XXXX and XXXX. Had them take names of unknown people off of my report as well as my ex husband, correct the misspellings, incorrect social security number and addresses, etc. 

The fraudulent accounts were apparently opened during 2020. 

I had to put a freeze on the Transunion, XXXX and XXXX. I was going to pay just to be done with it. It's not fair. I was advised by legal team to reach out to your department prior to me hiring them.

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 2025-01-24 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: GA

Complaint narrative:
I begin getting phone calls, letters from these creditors. I provided my correct nformation to Equifax, XXXX and XXXX along with my identification, the police report, corrected social security number and contact information. There was no investigation done. The information I gave to them verifying that the accounts were not mine, they updated my account with the correct information and passed it to the creditors that I was disputing. Hence, the demand for payment calls, a bounty hunter who threatened to come to my job if I didn't pay, letters and emails are now coming. Collection agencies are harassing for these accounts as well.

I spoke with representatives from XXXX, Equifax and XXXX. Had them take names of unknown people off of my report as well as my ex husband, correct the misspellings, incorrect social security number and addresses, etc. 

The fraudulent accounts were apparently opened during XXXX. 

I had to put a freeze on the XXXX, Equifax and XXXX. I was going to pay just to be done with it. It's not fair. I was advised by legal team to reach out to your department prior to me hiring them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: NC

Complaint narrative:
Equifax continuously reports back account is accurate within only 24 hours. The investigation should take more than 24 hours if a proper investigation was done. 

The account in question is XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 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 has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as XXXX 's inaction violates federal law and my rights as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Im at my breaking point with the repeated mistakes on my report. These errors are not just numberstheyre actively harming my score, limiting my opportunities, and frankly, making my life harder. Its beyond frustrating to see mistakes that I had no hand in creating derail everything Ive worked for. These inaccuracies are costing me financial stability, better interest rates, and even career opportunities.

Company response to consumer: Closed with non-monetary relief