vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: AZ

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding an accurate sees in my credit report. Despite my submissions, Equifax consistently responded within 24 hours stating the account is accurate without providing any evidence of those investigations. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act consumer financial ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), add highlighted in the CFPs 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. 
The accounts below are the accounts that are inaccurate. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I selected all the accounts that had either my name, address of DOB that falsely identified me and submitted a report. They never removed those from my account. 
This was a couple months ago so unfortunately I dont have any images of the complaints submissions. I thought it would make sense once they see my submission that those reports shouldnt be on my account.

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 2025-01-23 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: FL

Complaint narrative:
I selected all the accounts that had either my name, address of DOB that falsely identified me and submitted a report. They never removed those from my account. 
This was a couple months ago so unfortunately I dont have any images of the complaints submissions. I thought it would make sense once they see my submission that those reports shouldnt be on my account.

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: Experian Information Solutions Inc.
State: GA

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

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

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 2025-01-23 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:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Please dispute the bankruptcy that appears on my credit report, I'm writing. I have a court letter stating to the fact that this bankruptcy should not to be published. This situation gets worse by the involvement of an unauthorized third party.

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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OK

Complaint narrative:
I paid a mechanic through cash app for my car parts on XXXX XXXX there were 3 transactions totaling XXXX however the mechanic never came to repair my car nor did the mechanic give me the parts I paid for. I reached out to the mechanic who told me they would refund me but, never sent my refund and the mechanic is now in jail. I sent all screenshots of the messages we sent back and forth including the one where he said he would refund me when I filed my report with cash app. I reached out to cash app because I had not heard from them thats when they told me my claim was denied. I asked would information be provided to me to file an appeal I was told my case was escalated and someone would reach out. I then received an email saying they needed more information and it was the same information I have been providing.

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: MI

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I signed up for promo with my credit card that was supposed to be a free subscription service for XXXX XXXX I was refunded every month after having it for a year I suddenly started getting charged for it when I called the credit card company to dispute they told me the promo was only active for 6 months and refuse to acknowledge the fact that I had it for longer than 6 months so it must have been a different promo and said they have no records of that promo being active before XXXX of 2024 but it's obvious for my statements that I I've had it for almost a year not 6 months they obviously change something and never notified me they and were very hostile and wouldn't even acknowledge the obvious charges that were older than 6 months that they were doing the promo in and eventually hung up on me

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: 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: CT

Complaint narrative:
on or about XX/XX/year> i sent via certified mail commutation to Experian regarding numerous instances in which Experian have violated the FCRA by failing to follow reasonable procedures to assure maximum possible accuracy of information in consumer credit reports.

Experian utterly failed to take all necessary steps in insure FCRA guidelines and protocols are being meet. I have suffered irreparable damage to my person as a result of this.

EXPERIAN has failed to disclose the sources of information contained in a consumers file in response to consumers requests.

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 2025-01-23 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: CO

Complaint narrative:
Experian has failed to fulfillits legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation 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 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, where Experian has neither corrected nor removeddisputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction 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 2025-01-23 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: FL

Complaint narrative:
Experian was contacted in XXXX and XX/XX/XXXX of 2024 stateing the information was incorrect The violations were also reported to the CFPB. The companies responded and deleted the accounts. XXXX as well as XXXX also deleted yet Experian replied on XXXX XXXX that the accounts had been verified..

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 2025-01-23 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: TN

Complaint narrative:
I am filing a complaint regarding multiple overdraft fees applied to my account. Despite having sufficient funds at the time the transactions were authorized, I was charged overdraft fees due to delays in the posting of charges and credits.

This situation mirrors the recent findings by the CFPB regarding Navy Federals practices, where overdraft fees were assessed on transactions that settled with insufficient balances, even though funds were available when the transactions were initiated.

I believe these practices are unfair and respectfully request an investigation into my account and the specific transactions in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

Here are the items I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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:
I came across the CFPB XXXX lawsuit. I feel I was negatively impacted by XXXX and EQUIFAX, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were verified but I dont see any details on this investigation. Do you want to be fined too? Come with the receipts, or be quick to delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Company threatening to repossess a totaled vehicle not only that extra high interest so my payments dont go to principle I think the loan needs to reaccessed and forgiven and to be wiped of my credit report that are actually being sued at this moment for inaccurate reporting as I feel I am being taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: IL

Complaint narrative:
This account was disputed 2 months ago and the creditor could not provide any evidence such as validation of who the account belongs too or correct account information. They didn't show proof of account ownership. The debt collectors removed the account and then the account reappeared. Which in all violates FDCPA 15 U.S.C. 1692 and Fair Credit Reporting Act 15 U.S.C. 1681

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 2025-01-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My credit card account was overpaid, and the surplus amount was supposed to be refunded to me via check. However, the company has been sending the check to the wrong address. I live in XXXX, but they are mistakenly sending it to an address in XXXX, XXXX. I have been raising this concern since last XXXX, but despite my efforts to correct it, they have repeated the same mistake again.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
ATTN : Consumer financial Protection Bureau ( CFPB ) Subject : TD Bank refuses to abide by their solicitation agreement Narrative : 1. ) XX/XX/XXXX -- TD Bank solicited me ( by e-mail - see attached exhibit # 1 ) offering a {$200.00} cash back reward if I were to spend {$500.00} or greater within 90 days of receiving their credit card. 
2. ) XX/XX/XXXX TD Bank confirmed approval ( by e-mail see attached exhibit # 2 ). 
3. ) XX/XX/XXXX TD Bank confirmed my scheduling payment of {$600.00} for CC card reducing my balance to {$0.00} ( exhibit # 3 ) & completed my requirement of spending {$500.00} or greater in a 90 billing cycle.

4. ) XX/XX/XXXX I called TD Ban

k CS & inquired about the {$200.00} Reward. They confirmed I have met the terms necessary BUT that it may take 60 to 90 days additional to received confirmation of my {$200.00} Reward. 5. ) XX/XX/XXXX Contacted TD Bank CS & inquired about the {$200.00} Reward. The CS contact confirmed I have met all necessary requirements & was puzzled why the {$200.00} was not accredited to my account to date. CS Rep. asked me to remain on hold so they could speak with their supervisors. I waited about 15 minutes for her return. The CS Rep. ( apologetically ) informed me her Supervisor stated Customer would not be eligible for the {$200.00} because I had taken advantage of prior solicitations from TD Bank recently. I requested they repeat to me the statement ( listed above ) so there was no confusion on my part. They confirmed. I requested they escalate they indicated they would not.

6. ) I e-mailed TD Bank CS ( XX/XX/XXXX ) for written confirmation of their position. Confirmation received ( XX/XX/XXXX ). ( exhibit # 4 ) Complaint : TD made specific offer with specific rewards. They underwrote my completed forms & approved my application without any stipulations or revisions ( i.e.you have taken advantage of prior solicitation from TD Bank ). I believe it is not TDs contractual prerogative to revise their offer without informing me prior.

Resolution Requested : I expect TD to accredit my account with agreed {$200.00} Reward Anxiously awaiting CFPBs response, XXXX XXXX Attachments Exhibit # 1, Exhibit # 2, Exhibit # 3, exhibit # 4-A & B

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: 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: VA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation 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 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, where Experian 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 disputed accounts, as Experian 's inaction 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 2025-01-23 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: OH

Complaint narrative:
I found accounts on my credit report that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: John C. Heath, Attorney at Law, PLLC
State: KS

Complaint narrative:
IN 2022 I WAS IN THE PROGRESS OF BETTERING MY CREDIT. MY {$700.00} CREDIT LIMIT FROM XXXX XXXX  WAS A GREAT START. I EMAILED LEXINGTONLAW XXXX ON GIVING ME AN ESTIMATE ONLY WHAT THEY CHARGE. THEY TOLD ME BEFORE THAT I NEEDED A CREDIT CARD. 
AFTER GIVING THEM MY XXXX XXXX  CARD LEXINGTON STARTED LOADING CHARGES AFTER CHARGES ON MY CARD. 
I ASKED XXXX XXXX  FOR HELP DISPUTING THESE CHARGES BUT THEY NEVER CAME. TODAY THAT CARD IS STILL ON THE 3 CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: TX

Complaint narrative:
I, XXXX XXXX, am to formally express my concerns regarding Zelles 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

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: 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:
Submitted a despite through Experian, for the removal of XXXX reporting as 1 ) it is paid in full and closed, and 2 ) the was a recorded conversation between myself and customer service in XX/XX/year> about removing the items from my consumer report upon it being paid off. Experians investigation has come up with no proof from XXXX, yet continues to leave it on my credit report. This is a violation of my rights under FCRA.

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