vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: MO

Complaint narrative:
I am filing a complaint against first progressive cards for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, first progressive 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 XXXX 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, First Progressives 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 XXXX XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-02-13 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: MO

Complaint narrative:
I am filing a complaint against first progressive cards for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, first progressive 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 XXXX 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, First Progressives 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 XXXX XXXX complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am filing this complaint to report an egregious violation of my privacy rights and financial security regarding my student loan account. It has come to my attention that XXXX XXXX or an affiliated party has gained unauthorized access to my student loan information, which I did not consent to. This unauthorized access constitutes a direct violation of several federal laws, including : XXXX. XXXX XXXX XXXX ( XXXX  ) ( XXXX XXXX. XXXX ) Requires financial institutions to safeguard consumer financial information. Unauthorized access to my student loan violates these protections. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) ( XXXX XXXX. XXXX ; XXXX XXXX XXXX XXXX  ) Protects the confidentiality of student records, including financial aid and loan information. 
XXXX. The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) Prohibits the unauthorized acquisition of consumer financial data. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX  ) ( XXXX XXXX. XXXX ) XXXX  unauthorized access to electronic records, including student loan accounts. 

Details of the Violation : I have never authorized XXXX XXXX or any associated party to access my student loan records. 
The unauthorized access violates my privacy rights and puts my financial security at risk. 
I am concerned about potential misuse of my information and demand an immediate investigation.

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 2025-02-13 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: WI

Complaint narrative:
My personal and financial information was compromised without my authorization. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) protects the confidentiality of student records. This breach is a clear violation of XXXX and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full. he also violated the Privacy act of XXXX  and higher education act which governs student loan privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
My personal and financial information was compromised without my authorization. The XXXX XXXX Rights and Privacy Act ( XXXX ) protects the confidentiality of student records. This breach is a clear violation of XXXX and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full. he also violated the Privacy act of 1974 and higher education act which governs student loan privacy.

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 2025-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-02-13 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: MS

Complaint narrative:
My social was collected in a robbery in XXXX In XXXX I have more cards and accounts than I ever applied for I have a Car and insurance Thats it! 
I have no credit cards And I have all of this negative information on my report XXXX applied for a card since XXXX!! 
Some one stole my sensitive information from my car after leaving my XXXX office I filed a report and they will not stop Even cloned my phone number.. I am truly frustrated

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 2025-02-13 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 explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have XXXX debut collections with mcm. XXXX account is with XXXX XXXX ( XXXX ) as for the other is with XXXX XXXX ( XXXX ). I placed a dispute for both of the accounts requesting the XXXX and stating I do not have my wet signature with a contract with them and have not heard back. That dispute was place XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: UT

Complaint narrative:
Consumer Financial Protection Bureau ( XXXX  ) XXXX XXXX XXXX Iowa XXXX, IA XXXX Subject : Formal Complaint and Dispute of Charged-Off Account Account Number : XXXX XXXX Dear Consumer Financial Protection Bureau XXXX XXXX am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX charged-off account ( Account Number : XXXX XXXX ) that has been inaccurately reported on my credit report. Despite the account being charged off, I never received a XXXX form from the creditor, which is required by the IRS for XXXX debts over {$600.00}. This failure to comply with IRS regulations, along with the inaccurate reporting of the account, has caused significant harm to my credit profile and financial standing. 

Details of the Complaint : XXXX. *Failure to Issue XXXX : The creditor charged off the account but did not provide me with a XXXX form, as required by IRS regulations. This omission suggests that the debt was not properly canceled or reported to the IRS. 
XXXX. XXXX XXXX XXXX : The account remains on my credit report as a charged-off account, which is negatively impacting my XXXX XXXX and ability to obtain credit. 
XXXX. *Lack of Communication* : I have made multiple attempts to resolve this issue directly with the creditor, but they have failed to provide a satisfactory resolution or the required documentation. 

Requested Resolution : XXXX. *Removal of the Account* : I request that the charged-off account be removed from my credit report due to the creditor 's failure to comply with IRS regulations and provide XXXX XXXX form. 

I trust that the CFPB will take appropriate action to address this matter and protect my rights as a consumer 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 2025-02-13 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: MO

Complaint narrative:
I am filing a complaint against XXXX  XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX XXXX 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 ( XXXX  ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding This practice violates the Fair Credit Reporting Act ( XXXX  ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions XXXX also contravene the XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. I request that the CFPB take action to ensure XXXX XXXX complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed.Also this as well.thanks hard inquiries XXXX XXXX - XXXX  XXXX VIA DEALER XXXX XXXX - XXXX  FINANCIAL XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXXE XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX FINANCIA XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX - XXXX  XXXX VIA DEALER XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX AUTO XXXX XXXX - XXXX  FINANCIAL XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XXXX  FINANCIAL XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>- XXXX XXXX XXXX XX/XX/year> - RESIDENT VERIFY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX 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 : ACCEPTANCE NOW - XXXX XXXX  XXXX BANK - XXXX XXXX XXXX BANK XXXX - XXXX XXXX XXXXL 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 CO - XXXX None - XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXL - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX VIA DEALER - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXI - XX/XX/XXXX XXXX  XXXX VIA DEALER - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX CAP XXXX VIA DEALER - XX/XX/XXXX AN XXXX XXXX XXXX - XX/XX/XXXX CAP XXXX VIA DEALER - XX/XX/XXXX XXXX FINANCE - XX/XX/XXXX COGGIN XXXX OF XXXX - XX/XX/XXXX XXXX XXXX XXXXI - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX ACCE - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$890.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$0.00} XXXX FINANCE # XXXX XX/XX/XXXX -- {$0.00} SECURITY # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$2000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} SECURITY # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$2300.00} XXXX # XXXX XX/XX/XXXX -- {$1100.00} XXXX # XXXX XX/XX/XXXX -- {$750.00} XXXX # XXXX XX/XX/XXXX -- {$480.00} XXXX # XXXX XX/XX/XXXX -- {$930.00} XXXX # XXXX XX/XX/XXXX -- {$2300.00} XXXX # XXXX XX/XX/XXXX -- {$480.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$380.00} XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block 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 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 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 have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that ZELLE HAS NOT ONLY NEGLECTED TO PROTECT CONSUMERS BUT HAS ALSO ALLOWED REPEAT offenders to exploit the system, leaving users vulnerable to scams. This lack accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: WI

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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

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 proce 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