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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing a complaint against XXXX for failing to propery 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 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 account below. 

XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX 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 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Dear Sir or Madam, I am writing to formally lodge a complaint against Experian for their failure to properly investigate prior credit disputes related to charge-off items on my credit report. Despite submitting multiple disputes, Experian has failed to maintain the accuracy of my credit report under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer laws. 

The following accounts have been inaccurately reported as charge-offs, and I have previously disputed these items with Experian, but they were not properly investigated nor updated in accordance with the law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian 's failure to conduct a thorough and fair investigation into these disputes violates my rights under the FCRA, as they have not ensured the accuracy of my credit report. The failure to investigate these charge-offs properly means they are misleading and damaging my credit profile unjustifiably.

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: NY

Complaint narrative:
I have sent letters since XXXX  and between XXXX to have them correct information on my report. Such as name, loans, accounts that do not belong to me. Inquires that were not pulled by me.Incorrect address. There are names and addresses on my account that I have never known before. I tried to dispute it several times and they denied me.i was even a victim of fraud.

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 information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have sent letters since XXXX  and between XXXX to have them correct information on my report. Such as name, loans, accounts that do not belong to me. Inquires that were not pulled by me.Incorrect address. There are names and addresses on my account that I have never known before. I tried to dispute it several times and they denied me.i was even a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Georgia Student Finance Authority
State: GA

Complaint narrative:
The loans has been sold to another company since XXXX, the original company ( Georgia Student Finance ) still reporting on my credit report with the incorrect amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
On XX/XX/year> I mailed a debt validation letter LVNV funding requestion proof of the debt assignment ; next the original contract that I sign from the original creditor a payment history and dates from the original and name an address of the original creditor this was sent pursuant to the fair debt collection practices act 15 usc 1692g also i not aware of this company and never sign are agreed to anything.

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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable information appearing on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( b ), and Rule 9037 of the Federal Rules of Bankruptcy Procedure. I have taken proactive steps to verify the accuracy of my credit file, and the following issues require immediate correction : 1. Inaccurate Reporting of XXXX  XXXX Bankruptcy The credit report inaccurately reflects a XXXX XXXX bankruptcy. I have obtained a letter from the Deputy Clerk of the United States Bankruptcy Court confirming the official record does not match the reporting on my credit file. Please find a copy of this letter enclosed for your review. 

2. Failure to Provide Validation I have previously requested validation from the creditors reporting this information, specifically : Proof of the original contract Complete account history Debt validation, including any legally binding documents To date, no satisfactory response or evidence has been provided. As such, under the FCRA, this information must be removed from my credit report until its accuracy and validity can be verified. 

3. Violations of Rule 9037 ( Privacy Protection for Filings ) Under Rule 9037, personal identifying information related to bankruptcy filings must be redacted to protect privacy. Please review the report for compliance and immediately redact or correct any violations.

Requested ActionIn light of the above, I formally request the following actions : Immediate investigation into the disputed items Removal of inaccurate information related to the XXXX XXXX bankruptcy Deletion of any unverifiable or improperly validated accounts Please confirm in writing that you have received this dispute and will initiate an investigation. Per the FCRA, you are required to complete this investigation within 30 days and provide the results in writing. 

I have enclosed the following documents for your reference : A copy of my credit report with the disputed items highlighted A copy of the letter from the Deputy Clerk of the United States Bankruptcy Court Copies of prior correspondence with the creditors A copy of my government-issued ID and proof of address Thank you for your immediate attention to this matter. Should you require any further information, please contact me in writing at the address provided above.

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable information appearing on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( b ), and Rule 9037 of the Federal Rules of Bankruptcy Procedure. I have taken proactive steps to verify the accuracy of my credit file, and the following issues require immediate correction : 1. Inaccurate Reporting of XXXX  XXXX Bankruptcy The credit report inaccurately reflects a XXXX XXXX bankruptcy. I have obtained a letter from the Deputy Clerk of the United States Bankruptcy Court confirming the official record does not match the reporting on my credit file. Please find a copy of this letter enclosed for your review. 

2. Failure to Provide Validation I have previously requested validation from the creditors reporting this information, specifically : Proof of the original contract Complete account history Debt validation, including any legally binding documents To date, no satisfactory response or evidence has been provided. As such, under the FCRA, this information must be removed from my credit report until its accuracy and validity can be verified. 

3. Violations of Rule 9037 ( Privacy Protection for Filings ) Under Rule 9037, personal identifying information related to bankruptcy filings must be redacted to protect privacy. Please review the report for compliance and immediately redact or correct any violations.

Requested ActionIn light of the above, I formally request the following actions : Immediate investigation into the disputed items Removal of inaccurate information related to the XXXX XXXX bankruptcy Deletion of any unverifiable or improperly validated accounts Please confirm in writing that you have received this dispute and will initiate an investigation. Per the FCRA, you are required to complete this investigation within 30 days and provide the results in writing. 

I have enclosed the following documents for your reference : A copy of my credit report with the disputed items highlighted A copy of the letter from the Deputy Clerk of the United States Bankruptcy Court Copies of prior correspondence with the creditors A copy of my government-issued ID and proof of address Thank you for your immediate attention to this matter. Should you require any further information, please contact me in writing at the address provided above.

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable information appearing on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( b ), and Rule 9037 of the Federal Rules of Bankruptcy Procedure. I have taken proactive steps to verify the accuracy of my credit file, and the following issues require immediate correction : 1. Inaccurate Reporting of XXXX XXXX Bankruptcy The credit report inaccurately reflects a XXXX  XXXX bankruptcy. I have obtained a letter from the Deputy Clerk of the United States Bankruptcy Court confirming the official record does not match the reporting on my credit file. Please find a copy of this letter enclosed for your review. 

2. Failure to Provide Validation I have previously requested validation from the creditors reporting this information, specifically : Proof of the original contract Complete account history Debt validation, including any legally binding documents To date, no satisfactory response or evidence has been provided. As such, under the FCRA, this information must be removed from my credit report until its accuracy and validity can be verified. 

3. Violations of Rule 9037 ( Privacy Protection for Filings ) Under Rule 9037, personal identifying information related to bankruptcy filings must be redacted to protect privacy. Please review the report for compliance and immediately redact or correct any violations.

Requested ActionIn light of the above, I formally request the following actions : Immediate investigation into the disputed items Removal of inaccurate information related to the XXXX  XXXX bankruptcy Deletion of any unverifiable or improperly validated accounts Please confirm in writing that you have received this dispute and will initiate an investigation. Per the FCRA, you are required to complete this investigation within 30 days and provide the results in writing. 

I have enclosed the following documents for your reference : A copy of my credit report with the disputed items highlighted A copy of the letter from the Deputy Clerk of the United States Bankruptcy Court Copies of prior correspondence with the creditors A copy of my government-issued ID and proof of address Thank you for your immediate attention to this matter. Should you require any further information, please contact me in writing at the address provided above.

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: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I purchased a XXXX from Credit Acceptance on XX/XX/XXXX. A few months later the XXXX was towed to XXXX XXXX  from me driving without a license, my license was suspended and I was not aware. I contacted Credit Acceptance and was advised that the title was signed over to XXXX XXXX in the year XXXX. Now I was sick and went into treatment shortly after my car was towed but once I came home I didn't have any notification that my car was being sold or that the title had been switched over to XXXX XXXX. At this point the car was sold and Credit Acceptance will not close the account and shows that I am still the owner of this vehicle. When I called Credit Acceptance to have them close the account they said they could only do so if I paid the balance of {$28000.00} in full. The lady I spoke with told me that they will not close the account and if they settled I couldn't make payments, and if I resumed making payments on a car I don't have then those payments will not apply. I explain asked the rep was it legal to still show an open loan for a full balance and the XXXX had been signed over to another company and I didn't get any notice. I looked up the Ohio law and I should only be responsible for the difference from what the car sold at auction and this wasn't even offered to me. They told me if I needed to make payments then my payments would resume at the full balance no matter who owns the vehicle at this point. That is fraud at it's finest and almost seems like what happened with the preditory loan lending back in XXXX. I need help. My life isn't the same and even if I opened credit up this negative incorrect reporting keeps me locked in when there is no car to give me, the account needs to be listed as closed and I should have the option to pay just either the difference of the sale or charge the difference off and allow me to make payments on that balance. 
I am Request Documentation : Ask Credit Acceptance for : Proof of the sale of your vehicle ( date, sale price, auction details, etc. ). 
Documentation showing they notified me of the sale as required by Ohio law. 
A breakdown of how they calculated the remaining balance. 

I also am referencing to Ohio law limiting liability to the deficiency balance. 
A request for the account to be closed and for any incorrect reporting to be corrected.

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 — Personal information incorrect
Company: EQUIFAX, 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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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: GA

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 Credit Union for similar practices, where transactions settled with insufficient balance is 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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: NC

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 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: 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 have file a plate against Equifax for XXXX to properly investigate my disputes regarding inaccuracies in my credit report despite my submissions Equifax constantly responds with a 24 hour stay in the account is accurate without provide any evidence of a through investigation this practice violate a fair credit report act ( FCRA ) 15 U.S.C 1681, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the customer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceeding File No XXXX 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: 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:
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 having 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 2025-01-24 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 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 redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: CA

Complaint narrative:
This account is on my credit report. Im not sure exactly what the debt is. But it was sold to a collection company I know have both companies on my credit report

Company response to consumer: Closed with explanation