vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XXXX : Complaint Regarding Failure to Remove Outdated Addresses from My Credit Report To Whom It May Concern, I am writing to formally request the assistance of the Consumer Financial Protection Bureau ( CFPB ) regarding an issue with the accuracy of my credit report. Specifically, outdated and irrelevant addresses continue to appear on my credit report, despite multiple requests for their removal. This failure to address my concerns raises questions regarding compliance with Section 623 ( e ) of the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1679c. 

These outdated addresses are not relevant to my current financial profile or creditworthiness, and their continued presence creates unnecessary confusion, potential risks of misattributed accounts, and increases the possibility of identity theft. My current address is as follows : XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX Under Section 623 ( e ) of the FCRA, data furnishers and credit reporting agencies ( CRAs ) are required to ensure the accuracy of information contained in consumer reports. Additionally, under 15 U.S. Code 1679c, consumers are entitled to accurate and up-to-date information on their credit reports. The inclusion of outdated addresses fails to meet these legal requirements and does not serve a legitimate purpose. 

I have previously contacted the CRAs to request the removal of these outdated addresses, providing sufficient documentation to validate my current address. Despite my efforts, the issue has not been resolved, and no satisfactory explanation has been provided. I am requesting the CFPB to : 1. Show Cause : Require the CRAs to provide a detailed explanation as to why they have failed to remove the outdated addresses. 
2. Take Corrective Action : Investigate and ensure the removal of outdated and irrelevant addresses from my credit report. 

Please contact me at XXXX or via email at XXXX for any further information you may require to expedite this investigation. 

I trust that the CFPB will take swift action to resolve this matter. Thank you for your attention to this complaint, and I look forward to your response. 

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 2025-01-19 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Complaint Regarding Failure to Remove Outdated Addresses from My Credit Report To Whom It May Concern, I am writing to formally request the assistance of the Consumer Financial Protection Bureau ( CFPB ) regarding an issue with the accuracy of my credit report. Specifically, outdated and irrelevant addresses continue to appear on my credit report, despite multiple requests for their removal. This failure to address my concerns raises questions regarding compliance with Section 623 ( e ) of the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1679c. 

These outdated addresses are not relevant to my current financial profile or creditworthiness, and their continued presence creates unnecessary confusion, potential risks of misattributed accounts, and increases the possibility of identity theft. My current address is as follows : XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX Under Section 623 ( e ) of the FCRA, data furnishers and credit reporting agencies ( CRAs ) are required to ensure the accuracy of information contained in consumer reports. Additionally, under 15 U.S. Code 1679c, consumers are entitled to accurate and up-to-date information on their credit reports. The inclusion of outdated addresses fails to meet these legal requirements and does not serve a legitimate purpose. 

I have previously contacted the CRAs to request the removal of these outdated addresses, providing sufficient documentation to validate my current address. Despite my efforts, the issue has not been resolved, and no satisfactory explanation has been provided. I am requesting the CFPB to : 1. Show Cause : Require the CRAs to provide a detailed explanation as to why they have failed to remove the outdated addresses. 
2. Take Corrective Action : Investigate and ensure the removal of outdated and irrelevant addresses from my credit report. 

Please contact me at XXXX or via email at XXXX for any further information you may require to expedite this investigation. 

I trust that the CFPB will take swift action to resolve this matter. Thank you for your attention to this complaint, and I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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: VA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred despite having sufficient funds when transaction was authorized, I was charged fees due lagged posting of charges of credit. This issue aligns with the recent cfpb findings with Navy Federal with similar practices, where transactions settle with insufficient balances despite initially available funds.I believe these practices are unfair and request a 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 2025-01-19 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 Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. Theyve 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 users vulnerable to scams. This lack of accountability and transparencies is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report. Specifically, this concerns an account listed under XXXX XXXX XXXX. 

The debt associated with this account has been fully paid off, and XXXX XXXX XXXX is attempting to collect the same debt twice. Reporting the same debt twice is both inaccurate and misleading, and such practices are prohibited under federal and state consumer protection laws. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), creditors and debt collectors are forbidden from engaging in deceptive, unfair, or misleading practices, including attempting to collect a debt that has already been paid. Double reporting or attempts to collect on the same debt are violations of these laws. 

Additionally, courts have consistently ruled that attempting to collect on a debt that has already been paid constitutes unjust enrichment and would not be enforceable in court. Judges regularly dismiss cases where evidence proves that a debt has been satisfied. XXXX XXXX XXXX ' continued reporting of this debt is not only unlawful but would also be considered baseless if brought before a judge. 

Therefore, I am requesting the following : That this inaccurate account be immediately removed from my credit report. 
That all collection actions related to this debt by XXXX XXXX XXXX be stopped immediately. 

Enclosed, I have included the following documents to assist with your investigation : Proof of payment for the disputed account Correspondence with XXXX XXXX XXXX regarding this issue The company had refused to remove the debt, and continues to attempt to collect on the debt, even though the debt has been paid.

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 2025-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: WI

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report. Specifically, this concerns an account listed under Calvary Portfolio Services. 

The debt associated with this account has been fully paid off, and Calvary Portfolio Services is attempting to collect the same debt twice. Reporting the same debt twice is both inaccurate and misleading, and such practices are prohibited under federal and state consumer protection laws. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), creditors and debt collectors are forbidden from engaging in deceptive, unfair, or misleading practices, including attempting to collect a debt that has already been paid. Double reporting or attempts to collect on the same debt are violations of these laws. 

Additionally, courts have consistently ruled that attempting to collect on a debt that has already been paid constitutes unjust enrichment and would not be enforceable in court. Judges regularly dismiss cases where evidence proves that a debt has been satisfied. Calvary Portfolio Services ' continued reporting of this debt is not only unlawful but would also be considered baseless if brought before a judge. 

Therefore, I am requesting the following : That this inaccurate account be immediately removed from my credit report. 
That all collection actions related to this debt by Calvary Portfolio Services be stopped immediately. 

Enclosed, I have included the following documents to assist with your investigation : Proof of payment for the disputed account Correspondence with Calvary Portfolio Services regarding this issue The company had refused to remove the debt, and continues to attempt to collect on the debt, even though the debt has been paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.

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 2025-01-19 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: NV

Complaint narrative:
I submitted a formal written dispute to Equifax regarding inaccuracies on my credit report related to an account with XXXX XXXX XXXX. Specifically, the account reflects late payments for XXXX, XXXX, and XX/XX/year>, along with blank balances for the same periods. These discrepancies are a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681s2. 

I provided all required documentation, including a copy of my identification, proof of address, and a marked-up version of my credit report highlighting the disputed entries. I sent the dispute via certified mail and received confirmation of delivery. 

Despite the legal requirement under the FCRA for the credit bureau to investigate and respond to disputes within 3045 days, I have not received any acknowledgment or resolution to my dispute as of XXXX. This lack of response constitutes a failure to comply with FCRA requirements. 

The inaccurate information is negatively affecting my ability to secure housing and other credit-based opportunities. I am now filing this complaint to escalate the matter and seek immediate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My interest rate was changed from XXXX percent to XXXX percent superimposed with my signature. During the contract I was given 10 months of deferred extensions. They are saying that I am behind and delinquent with my payments. I made a payment this XX/XX/year>, which brings it down to XXXX dollars. I find out that they have charged off my auto loan XX/XX/year>. They have forced me to go to an outside payment center to make my payments with a fee. To this date I have paid XXXX in majority interest fees on a XXXX dollar car financed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My interest rate was changed from XXXX percent to XXXX percent superimposed with my signature. During the contract I was given 10 months of deferred extensions. They are saying that I am behind and delinquent with my payments. I made a payment this XX/XX/2025, which brings it down to XXXX dollars. I find out that they have charged off my auto loan XX/XX/2025. They have forced me to go to an outside payment center to make my payments with a fee. To this date I have paid XXXX in majority interest fees on a XXXX dollar car financed.

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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 2025-01-19 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: FL

Complaint narrative:
I am writing 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. The CFPBs findings indicate that Zelle not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax did not do a proper investigation I requested proof of original signature proof of chain of title, and proof no insurance claim on this debit theyre claiming I owe and Equifax refused to do a proper investigation instead they kept coming back as very I ask how were they verified without sending me what I requested and no response from Equifax please help Im simply asking Equifax to verify the company XXXX XXXX because i believe theyre fraud and Im getting no response. Heres is the Acco
unt Number XXXX XXXXXXXX XXXX  info

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I have 2 collection accounts with Midland credit collection agency. These accounts are 5+ years ago! I have disputed them several times, I have hired an attorney, I have worked with credit repair companies. I have talked to all 3 credit Companies, but the company continues to inaccurate information. I have had both accounts removed several times from my credit reports, to then just have them put back on months later after removal. Showing back up as a new collection account. 
Now they are showing on a monthly basis. Even though I know they can still send in information every month to the credit bureau 's. They can not put it as a new collection! just now 30 days late when it's been 6 years. Also, they have the second debt that I have with them that after 5 years, they decided to add a {$170.00} to it. To make it also look like a brand new collection debt.

This is harming me significantly by not reporting accurately.

My credit score has dropped over XXXX points in 2 days because of it. 
I was NEVER NOTIFIED that Midland was changing the amount, or reporting as a new debt! I'm requesting immediate action to remove these accounts permanently from my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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 am writing to formally dispute inaccuracies on my credit report that have caused me financial harm and emotional distress. I have made reasonable efforts to have these errors corrected, but Equifax has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), as stipulated in 15 U.S.C. 1681o, resulting in negligent noncompliance. Details of the Dispute 1. Accou
nt Name/Number ( s ) : XXXX, XXXX. 
2. Inaccuracy : Incorrect personal information, inaccurate balance information, and missing terms.

3. Harm Caused : credit score impact, loan denials, missed communication, credit damage, unfair payment expectations, loan servicing errors, identity confusion I have previously contacted Equifax about this matter on XX/XX/year> and provided the necessary documentation to substantiate my claim. However, Equifax has : Failed to investigate the dispute in a reasonable time frame, or Failed to correct or delete inaccurate information, or Reinserted previously removed information without notification.

Notice of Intent to Take Legal Action If this matter is not resolved to my satisfaction within 30 days of receiving this letter, I intend to pursue all available legal remedies under the FCRA, including filing a civil lawsuit to recover damages under 1681o.

Thank you for your prompt attention to this matter. Please acknowledge receipt of this dispute letter and provide a case reference number for follow-up purposes. You may contact me at XXXX if further clarification or information is required. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief