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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions XXXX consistently responds that the account is accurate, without providing any evidence oc a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i which mandates a resonance investigation of disputes. Furthermore XXXX s actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of invistigation. On accounts : XXXX XX/XX/XXXXfor the amount of XXXX. 
XX/XX/XXXXXXXX XXXXXX/XX/XXXXr XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX/DOFED XXXXXX/XX/XXXX/DOFED XXXXXX/XX/XXXX XXXX Inquiries XX/XX/XXXXdates XX/XX/year>2024 XXXX XXXX, 2024 XXXXXX/XX/XXXX,2024 XXXXXX/XX/XXXX XXXXXX/XX/XXXX,2024

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: SC

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, Experian 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, Experian '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, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( A ) - ( B ), 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 Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I reported. 
Accounts : XX/XX/XXXXXXXX ( listed twice with 2 different outcomes ) XX/XX/XXXX XXXX XX/XX/XXXXXXXX Inquiries : XXXX XXXX XX/XX/year>24 ; XXXX XXXX XXXX XX/XX/scrub>/24 ; XX/XX/XXXX XXXX XX/XX/year>24 ; THD/CBNA XX/XX/XXXX24XX/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 2025-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please check the information concerning the XXXX data breach below in the attachments.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please check the information concerning the XXXX data breach below in the attachments.

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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding XXXX Data Breach Lawsuit Settlement Dear CFPB Representatives, I am writing to express my dissatisfaction with the handling and outcomes of the XXXX data breach lawsuit settlement. As a consumer directly affected by this breach, I feel that XXXX has failed to adequately address the damage caused and has not provided appropriate restitution to those impacted. 

XXXX negligence in safeguarding sensitive personal data exposed millions of consumers, including myself, to identity theft and financial fraud risks. Despite their admitted responsibility for the breach, the settlement process has been deeply disappointing for the following reasons : 1. Insufficient Compensation : The cash payouts offered are inadequate compared to the financial and emotional harm caused by the breach. Many consumers have reported receiving minimal compensation despite experiencing significant disruption to their lives.

2. Delays in Processing Claims : The settlement process has been fraught with delays, leaving consumers uncertain about the status of their claims and any potential resolutions. 
3. Lack of Accountability : XXXX ongoing operations appear unaffected, raising concerns about the companys accountability for the breach and whether sufficient measures have been implemented to prevent future incidents. 

As the agency responsible for ensuring fairness and transparency in consumer financial matters, I urge the CFPB to hold XXXX accountable for its actions and reassess the settlement process to ensure it truly addresses the harm inflicted upon consumers. 

I kindly request that the CFPB investigate these concerns and take steps to enforce stricter penalties and oversight for companies that compromise consumer trust and security. Additionally, I would appreciate any guidance or updates regarding my individual claim and the settlement process. 

Thank you for your attention to this matter. I look forward to your response and hope that steps will be taken to address these ongoing issues. 

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 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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding XXXX Data Breach Lawsuit Settlement Dear CFPB Representatives, I am writing to express my dissatisfaction with the handling and outcomes of the XXXX data breach lawsuit settlement. As a consumer directly affected by this breach, I feel that XXXX has failed to adequately address the damage caused and has not provided appropriate restitution to those impacted. 

XXXX negligence in safeguarding sensitive personal data exposed millions of consumers, including myself, to identity theft and financial fraud risks. Despite their admitted responsibility for the breach, the settlement process has been deeply disappointing for the following reasons : 1. Insufficient Compensation : The cash payouts offered are inadequate compared to the financial and emotional harm caused by the breach. Many consumers have reported receiving minimal compensation despite experiencing significant disruption to their lives. 
2. Delays in Processing Claims : The settlement process has been fraught with delays, leaving consumers uncertain about the status of their claims and any potential resolutions. 
3. Lack of Accountability : XXXX ongoing operations appear unaffected, raising concerns about the companys accountability for the breach and whether sufficient measures have been implemented to prevent future incidents. 

As the agency responsible for ensuring fairness and transparency in consumer financial matters, I urge the CFPB to hold XXXX accountable for its actions and reassess the settlement process to ensure it truly addresses the harm inflicted upon consumers. 

I kindly request that the CFPB investigate these concerns and take steps to enforce stricter penalties and oversight for companies that compromise consumer trust and security. Additionally, I would appreciate any guidance or updates regarding my individual claim and the settlement process. 

Thank you for your attention to this matter. I look forward to your response and hope that steps will be taken to address these ongoing issues. 

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 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am filing a complaint against Equifax for failing to propery 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 ( 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 2025-01-23 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: FL

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 ( 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. These are the accounts I've marked as inaccurate : XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX, multiple inquiries from XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
In 2018 I was a victim of identity theft and this collection account that was originally XXXX now under Jefferson Capital Systems in the Amount of {$5700.00} has been reported to my account and after multiple failed disputes still shows up under my name under collections. I have filed a police report when everything happened which was a lot for me to take in and I have received multiple calls harassing me about this amount and been told to pay this or else I am going to be sued and dragged through court. This has ruined my credit for years and I dont know how else to fix this when this was identity theft and hoping I can get help here.

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 — Public record information inaccurate
Company: Servicer under contract with Federal Student Aid
State: NJ

Complaint narrative:
students loans have been paid, why are they still showing? how did they receive my information anyway and post it on report since student loans are not supposed to be reported on any reports due to privacy. other accounts, i disputed them, came back resolved quickly?

Company response to consumer: Untimely response
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: NC

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY : XXXX XX/XX/XXXX XX/XX/year>23 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 — 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 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 2025-01-23 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 failing 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 2025-01-23 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: NY

Complaint narrative:
Complaint : I am filing this complaint because Experian has failed to properly investigate and verify accounts I have disputed as inaccurate on my credit report. Despite providing detailed information and supporting evidence to substantiate my disputes, Experian continues to report inaccurate information without demonstrating that the information has been thoroughly reviewed or verified, as required under the Fair Credit Reporting Act ( FCRA ), 1. 15 U.S.C. 1681e ( b ) : Accuracy of Reporting Credit reporting agencies must use reasonable procedures to ensure maximum possible accuracy of the information in consumer reports.

2. 15 U.S.C. 1681i ( a ) : Reinvestigation of Disputed Information When a consumer disputes the accuracy of an item, the agency must conduct a reasonable investigation and promptly correct any errors. Experians failure to comply with the FCRA has caused me significant harm by negatively impacting my credit profile and financial well-being. Specifically : 1. Experian has failed to notify me of the methods used to verify the disputed accounts.

2. Experian has not provided any documentation or proof from the furnishers of the disputed information to confirm its accuracy.

3. My disputes have been dismissed without a proper reinvestigation, in violation of the legal requirements under the 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
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: MS

Complaint narrative:
Formal Request for Immediate Action Regarding Disputed Accounts Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. This failure has left inaccurate or unverifiable accounts unresolved, despite the evidence I provided. 
These failures closely align with my experience. Despite my submissions, Experian has neither corrected nor removed the following disputed items : XXXX - Inquiry XX/XX/XXXX - Closed account XXXX XX/XX/XXXX - Closed account XXXX inaction has caused ongoing harm to my credit standing, which is unacceptable and violates federal law and my rights as a consumer. 
I am formally requesting immediate corrective action to remove or amend these accounts. If the requested actions are not taken, I will consider escalating this matter through further legal and regulatory channels. 

Thank you for your attention to this urgent 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 2025-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts and inquiries listed below have violated my federally protected rights to privacy and confidentiality under 15 U.S.C. 1681. Section 602 ( a ) affirms my right to privacy, while Section 604 ( a ) ( 2 ) explicitly prohibits consumer reporting agencies from furnishing account information without my written instructions. Additionally, Section 1681c ( a ) ( 5 ) states that no consumer reporting agency may include adverse information, other than criminal convictions, that predates the report by more than seven years. Furthermore, Section 1681s-2 ( a ) ( 1 ) prohibits any person from providing information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. I request a thorough review of the accounts listed below and demand that any unverifiable or inaccurate information be removed promptly to ensure compliance with federal law.

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: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
Navy Federal Credit Union took my entire Federal unsubsidized student loan of {$6700.00} from my NFCU savings account to pay credit card debt. This money was supposed to be used for educational expenses only which includes textbooks, study materials, my school laptop, etc. I have been unable to retrieve all of my funds from them and can not pay room and board for this semester. When I called Navy Federal with University of Alabama XXXXXX/XX/XXXX office on the phone, they made them hang up and told me that they could keep the student loan. I emphasized that I needed this money to help with completing my studies and that they were misusing government funds and it was fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief