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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear CFPB Representative, I am writing to file a formal complaint against XXXX for their mishandling of a collection account dispute on my credit report. Despite multiple attempts to resolve this matter, XXXX has failed to provide adequate information or take corrective action, which has negatively impacted my credit standing. 

The issue involves a collection account that XXXX is reporting on my credit file. Specifically, the account appears to be reported to different original creditors and re-aging which raises questions about its accuracy and validity. I have disputed this account with XXXX on multiple occasions, with XXXX XXXX,2024 being the most recent yet their response each time has been, It meets the guidelines, without providing any substantive details or evidence to support their findings. 
Collection company XXXX XXXX XXXX Account number XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate credit reporting and a thorough investigation of disputes. XXXX has failed to meet these obligations by : 1. Refusing to provide documentation or information supporting the validity of the collection account.

2. Continuously reporting inaccurate or inconsistent information despite my disputes.

3. Not addressing my concerns about multiple original creditors being linked to this single collection account and re-aging dates. Failed to properly investigate disputes, as required by law.

The CFPBs recent lawsuit and oversight efforts against credit reporting agencies demonstrate the importance of protecting consumers from these unfair practices. My situation aligns with the CFPBs findings regarding systemic failures in dispute resolution processes and Experians obligation to provide transparent and accurate credit reporting.

This issue has significantly harmed my financial well-being, including reducing my credit score and limiting my ability to access credit. I request the CFPBs assistance to ensure XXXX : Fully investigates and validates the disputed collection account. 
Removes the account if it can not be verified with clear and accurate documentation. 
Improves their dispute investigation and reporting practices in compliance with federal standards. 

This situation has caused harm to my financial well-being, including a lower credit score, difficulty obtaining credit, and emotional distress. I am requesting the CFPB to intervene and ensure that XXXX complies with the FCRA by : Providing clear and verifiable evidence of the collection accounts validity. 
Correcting or removing any inaccuracies related to this account. 
Reviewing their investigation process to ensure compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX Dear XXXX XXXX Department, After reviewing my account activity, I believe there are unresolved discrepancies that require your immediate attention. I am writing to formally raise a grievance concerning unpaid civil penalties charged to my account in relation to the XXXX XXXX XXXX. 

Details of the Issue : Account Number : Transaction Date ( XXXX ) : XXXX Transaction Amount ( XXXX ) : {>= $1,000,000} Nature of the Discrepancy : Charges were processed without authorization, penalties were applied in error, or payments were not appropriately credited. 

I have made multiple attempts to resolve this matter by contacting the XXXX XXXX XXXX and your customer service department ; however, the issue remains unresolved. This situation has caused unnecessary financial hardship and undue stress.

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 2025-01-20 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: CITIBANK, N.A.
State: PA

Complaint narrative:
CBNA, inquiry on XX/XX/year> has violated my rights. 15 u.s.c. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 604 A. Section 2 : it also states a credit reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may may make any consumer report containing any other adverse items of information, other than records of convictions of crimes which antedates the report by more than XXXX  years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any credit reporting agency if the person knows or has reason to believe that the information is inaccurate. Please help 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 2025-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Texas, XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy. 

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files.

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law. 

Sincerely, 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 2025-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXTexas, XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy. 

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files.

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law. 

Sincerely, 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 2025-01-21 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:
I am filing a formal complaint against Equifax for its failure to properly investigate my disputes regarding inaccuracies in my credit report. Despite providing detailed submissions, Equifax has repeatedly responded within 24 hours claiming the disputed accounts are accurate. These responses lack any evidence of a thorough investigation and suggest a failure to adhere to their obligations under federal law.

This conduct directly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation of disputed information. Furthermore, Equifaxs actions appear to contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). This issue is consistent with findings in the CFPBs recent administrative proceedings ( File No. 2025-CFPB-002 ), where similar violations by Equifax were identified. 
I respectfully request the CFPB to take immediate action to ensure Equifax complies with federal law. Consumers deserve transparency and a proper investigation process, including the provision of evidence supporting Equifax 's determinations. 
Below is a list of accounts and information I have disputed as inaccurate : XXXX XXXX XXXX - Account : XXXX ; Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX  ) - Account : XXXX ; Opened : XX/XX/XXXX Original Creditor Unknown - Account : XXXX ; Opened : XX/XX/XXXX Employer : XXXX XXXX These inaccuracies remain unresolved, and Equifax has failed to provide adequate documentation or validation in response to my disputes. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.

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: Incorrect information on your report — Account information incorrect
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
XXXX XXXX loan had a car note with em and voluntary turned car in couldnt afford it anymore and they had my balance from XXXX to XXXX now have it back to XXXX trying to get it removed or late payments taking off 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 explanation
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: AR

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 2025-01-20 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 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 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) 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 non-monetary relief
Consumer complaint received 2025-01-20 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 incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This aligns with the recent CFPB findings against Navy Federal credit Union 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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
lam 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 2025-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Behind on minimum payments. Financially unable to pay in full. I have asked for hardship payments but was unable to offer. Kohls Dpt. Store. Im receiving multiple calls from mulriple number 7 times a day and voicemails 7 days a week

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I have requested all of my data, information, and anything that connects me to the Zelle company to be released to me for further investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Identify theft and security breech. 
Accounts Negatively reporting on my credit files XXXX XXXX XXXX XXXX Credit Report As of : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Open/Closed Account lype Balance Date Opened XXXX XXXX XXXX XXXXXXXX Open/Closed Account Type Balance Date Opened XXXX XXXX XXXX XXXX XXXXXXXX Open/Closed Account Type Balance Date Opened XXXXXXXX XXXX XXXX 
XXXX Closed Secured Card XX/XX/XXXX Closed Charge Card XX/XX/XXXX Closed Credit card {$780.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Open/Closed Account Type Balance Date Opened XXXX XXXX XXXXXXXX XXXX XXXX  Open/Closed Account Type Balance Date Opened Closed Auto Loan {$15000.00} XXXX XXXX, XXXX Closed Auto Loan {$2600.00} XXXX Open/Closed Account Type Balance Date Opened Closed Auto Loan {$2600.00} XX/XX/XXXX Student loans XXXX XXXXXXXX Open/Closed Account Type Balance Date Opened XXXX XXXX Open/Closed Account Type Balance Date Opened Closed Education XX/XX/XXXX XXXX XXXX XXXX  XXXX Open/Closed Account Type Balance Date Opened XXXX XXXX XXXX XXXX XXXX Open/Closed Account Type Balance Date Opened Closed XXXX Loan {$2400.00} XX/XX/XXXX Closed Unsecured {$2900.00} XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXccount Type Balance Date Opened XXXX XXXX XXXX XXXXXXXX Account lype Balance Date Opened XXXX XXXX XXXX XXXXXXXX Account Type Balance Date Opened XXXX XXXX XXXX XXXXXXXX Account Type Balance Date Opened Collection {$2400.00} XX/XX/XXXX Collection {$6300.00} XXXX XXXX, XXXX Collection {$820.00} XX/XX/XXXX As of : Today Collections XXXX Account Type Balance Date Opened XXXXXXXX XXXX XXXX XXXXXXXX Account Type Balance Date Opened XXXX XXXX XXXX XXXXXXXX Account Type Balance Date Opened XXXX XXXX XXXX XXXXXXXX Account Type Balance Date Opened XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX Collection {$2400.00} XX/XX/XXXX Collection {$6300.00} XXXX XXXX, XXXX Collection {$820.00}

Company response to consumer: Closed with explanation