vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-21 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:
Equifax does not properly investigate and dispute and fails to remove errors of reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: VA

Complaint narrative:
Cashapp charged me when I shouldnt have been charged.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Subject : Urgent Dispute of Fraudulent Accounts Impact from Data Breach Dear Experian Dispute Resolution Team, I am writing to formally dispute fraudulent accounts that were opened in my name as a result of the XXXX data breach. After becoming a victim of this breach, I have identified unauthorized accounts linked to my Social Security number that I neither opened nor authorized. For your reference, I have attached a copy of my Identity Theft Report. 



Below are the details of the fraudulent accounts in question : 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 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 explanation
Consumer complaint received 2025-01-21 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 XXXX XXXX XXXX$6900.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3800.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$2400.00} Open Date XX/XX/XXXX XXXXXXXX XXXX, XXXX XXXX {$920.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$820.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX 2022

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 2025-01-21 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:
Help me create a dispute letter using the law XXXX not responding and investigating in a timely manner XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: TX

Complaint narrative:
Experian failed its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts, unresolved the consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against experience, alleging, systematic 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 Experian, has neither corrected nor removed Disputed items. Despite the evidence I provided causing ongoing harm to my credit standing Im requesting immediate corrective action to remove or amend the disputed accounts as experience in action, violates federal law, 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 explanation
Consumer complaint received 2025-01-21 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 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 ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 2025-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I had a joint account Savings account with my wife XXXX XXXX. I had about {$500.00} in the account when Chase claimed they were recuperating fraudulent charges that was made on her XXXX account. The account was set to XXXX and closed. I received no communications of this. 

My wife XXXXXXXX XXXX had herXX/XX/XXXX attached to her Chase checking account and over {$2000.00} in fraudulent debits were made. Her account was closed along with the joint savings she and I had with Chase. Her attempts to reverse the XXXX XXXX charges fell on dead ears with Chase. There was no one in XXXX XXXX support to help her.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: TN

Complaint narrative:
Account Number : XXXX XXXX I am writing to formally dispute inaccuracies in the information reported on my credit file for the above-referenced account. Upon reviewing the details provided by your bureau and comparing them to other credit reporting agencies, I have identified several inconsistencies and concerns that require immediate investigation and correction. 

Account Details : The account is inconsistently listed as " Revolving Account '' by XXXX and " Charge Card '' by Experian. Please verify and confirm the correct account type. 
The payment status is reported as " Charged off as bad debt '' by XXXX and as " Charge-off '' by Experian. These discrepancies need reconciliation. 
Credit Limit and Balance : Both XXXX and Experian report a credit limit of {$1800.00}, which is accurate. However, Experian does not list the high credit amount ( {$2200.00} ) reported by XXXX. Please confirm the accurate high credit amount and update accordingly. 
Comments : XXXX includes the comment " Purchased by another lender, '' whereas Experian provides no such detail. Please confirm and include this information if applicable. 
Last Reported and Date Last Active : XXXX reports " Last Reported '' as XX/XX/year> and " Date Last Active '' as XX/XX/year>, while Experian lists " Date Last Active '' as XX/XX/year>. These discrepancies should be investigated and corrected to ensure accuracy. 
Additional Concerns Regarding Experian 's Investigations : Given the ongoing legal scrutiny concerning Experian 's inadequate dispute investigation practices, I strongly urge your bureau to ensure this investigation is conducted with the utmost diligence. Accuracy and compliance with the Fair Credit Reporting Act ( FCRA ) are paramount in this matter. 

Requested Actions : Investigate the discrepancies noted above by contacting the original creditor or any applicable third parties. 
Correct the inaccuracies and ensure the account details are consistent across all bureaus. 
Provide me with a detailed summary of your investigation process, including the evidence used to verify the reported information. 
Under the FCRA, you are required to ensure that all information on my credit report is accurate, complete, and verifiable. Please address this dispute within the legally required timeframe of 30 days and provide a resolution promptly. 

If you require any further information to process this dispute, please contact me at [ your contact information ]. 

Thank you for your prompt 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 explanation
Consumer complaint received 2025-01-21 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: 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 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 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 XXXX3

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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CO

Complaint narrative:
I am filing a complaint against cash app ( Block, inc. ) due to an adequate 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, the dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFFA ) and regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Credit Information Re : Account with XXXX XXXX XXXX Account Number : XXXX Dear, XXXX I am writing to formally dispute inaccuracies in the credit report you have on file for me. After reviewing my report, I have found incorrect information regarding the above-referenced account. Below are the specific inaccuracies and supporting details : 1. Payment History Reporting : Your report shows 180 days late in XX/XX/XXXX. However, the account was closed and paid in settlement in XX/XX/XXXX, as reflected under the XXXX section. Reporting delinquency after the account was settled is factually incorrect. 
Additionally, the report reflects ongoing delinquencies for several months in XXXX ( e.g., 180 days late for XXXX, XXXX, and XXXX ), but the account was not active during this period, based on the settlement agreement. 
XXXX. Account XXXX : The account status is listed as Paid in settlement, but the reporting of delinquencies in XX/XX/XXXX conflicts with this status. Once an account is settled, no further late payments should be reported. 

This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), specifically : XXXX XXXX XXXX XXXX XXXX XXXX  : Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX When disputed, inaccurate or unverifiable information must be corrected or deleted promptly. 

I kindly request that you investigate this matter, verify the information with XXXX XXXX XXXX, and update or remove the inaccurate entries. Please provide me with the results of your investigation and an updated copy of my credit report. 

Thank you for addressing this matter promptly. I expect a response within the timeframes outlined by the FCRA. If you need additional information, please contact me at ( XXXX ) XXXX or XXXX 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 2025-01-21 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Credit Information Re : Account with XXXX XXXX XXXX Account Number : XXXX Dear, XXXX I am writing to formally dispute inaccuracies in the credit report you have on file for me. After reviewing my report, I have found incorrect information regarding the above-referenced account. Below are the specific inaccuracies and supporting details : XXXX. Payment History Reporting : Your report shows 180 days late in XX/XX/XXXX. However, the account was closed and paid in settlement in XX/XX/XXXX, as reflected under the XXXX section. Reporting delinquency after the account was settled is factually incorrect. 
Additionally, the report reflects ongoing delinquencies for several months in XXXX ( e.g., 180 days late for XXXX, XXXX, and XXXX ), but the account was not active during this period, based on the settlement agreement. 
XXXX. Account XXXX : The account status is listed as Paid in settlement, but the reporting of delinquencies in XX/XX/XXXX conflicts with this status. Once an account is settled, no further late payments should be reported. 

This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), specifically : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX When disputed, inaccurate or unverifiable information must be corrected or deleted promptly. 

I kindly request that you investigate this matter, verify the information with XXXX XXXX XXXX, and update or remove the inaccurate entries. Please provide me with the results of your investigation and an updated copy of my credit report. 

Thank you for addressing this matter promptly. I expect a response within the timeframes outlined by the FCRA. If you need additional information, please contact me at ( XXXX ) XXXX or XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: CT

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 2025-01-21 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: KY

Complaint narrative:
I had multiple unauthorized transactions made on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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 and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent ar address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces 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 2025-01-21 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: TN

Complaint narrative:
RE : XXXX To whom it may concern, I wrote you requesting validation of this alleged debt on XX/XX/year>. As of today, you have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered a contract with you, I must ask for the following information : 1. Please evidence your authorization under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in this alleged matter. 2. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for you collection of this alleged debt? 4. Please send evidence your authorization to do business or operate in the state of Tennessee. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or another instrument bearing my signature. You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. Best Regards

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 2025-01-21 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: FL

Complaint narrative:
I am writing once again to demand the immediate correction or removal of the inaccurate reporting of the XXXX XXXX XXXX account ( Account # XXXX ) on 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 non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
I had someone take my cell Phone and transfer almost {$3000.00} to their cashapp account. This happened I. XX/XX/year>. I reported these as fraudulent and they say they investigated and denied me a refund. I gave them the name and address of the person who did this. This person was only XXXX XXXX XXXX. I reported this as well. When I asked them for a copy of the documents they said they relied on they did not produce any.

Company response to consumer: Closed with explanation