vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-22 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 XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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, 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 CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I have marked inaccurate : 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 explanation
Consumer complaint received 2025-01-22 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: PA

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct reasonable reinvestigation of disputed information on my credit repor, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Equifax, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumer of dispute outcomes. These failures align with my experience, where XXXX 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 Equifaxs inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: IN

Complaint narrative:
XXXX XXXX XXXX collection account does not belong to me and is fraudulent information that's on my credit report and it needs to be removed immediately because it's violating my consumer rights XXXX XXXX XXXX hard inquiry that on my credit report needs to be removed immediately as well I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the EXPERIEN credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to 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 2025-01-22 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:
XXXX XXXX XXXX Re : Formal Dispute Regarding Unauthorized Transactions and Account Issues Dear To whom it may concern, I am writing to formally dispute a series of issues related to transactions and unauthorized changes to my Zelle account. Despite multiple complaints submitted to your organization, these matters remain unresolved. As a consumer, I am invoking my rights under applicable federal laws, including the Electronic Fund Transfer Act ( EFTA ) and other regulations enforced by the Consumer Financial Protection Bureau ( CFPB ), to ensure these issues are properly addressed.

The Issues : Funds Sent to the Wrong Recipient : On numerous occasions, I noticed that funds I intended to send were mistakenly transferred to the wrong recipient. I have submitted multiple complaints requesting an investigation into this matter, but I have yet to receive a satisfactory resolution. As per EFTA regulations, Zelle is obligated to investigate disputes and provide a clear resolution. 

Unauthorized Account Unregistration : I discovered that my Zelle account was unregistered without my consent. This action disrupted my ability to send and receive payments and has caused significant inconvenience. I have repeatedly asked for an explanation and proof that this action was authorized, but no response has been provided. 

My Request for Resolution : In light of these issues, I am requesting the following : Thorough Investigation : A detailed investigation into the disputed transactions and the unauthorized unregistration of my account. 
Refund of Funds : Full reimbursement for the amount sent to the unintended recipient. 
Written Explanation : A formal explanation of why my account was unregistered without authorization, along with proof of any documentation supporting such an action. 
Adherence to Federal Laws : Compliance with all provisions under EFTA and CFPB regulations, including the timely handling of consumer disputes. 
Failure to Address These Issues : If Zelle does not adequately address my dispute, I reserve the right to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory authorities. I also reserve the right to pursue legal remedies if necessary. 

Please acknowledge receipt of this letter within five ( 5 ) business days and provide a written resolution within 30 days, as required by law. I expect a prompt and professional response to avoid further escalation of this matter. 

Thank you for your attention to this matter. I look forward to resolving this issue promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express 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 infeasible. The CFBSs 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. 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 2025-01-22 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: LA

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 lagging postings of charges and credits. This issue aligns with recent CFPB against Navy Federal for similar practices, where transactions settled with insufficient balance despite initial available funds. I believe these practices are unfair and request an investigation in 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 2025-01-22 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 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 2025-01-22 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:
I am filing a formal complaint against TransUnion for failing to properly investigate and verify negative items on my credit report. TransUnion 's handling of disputes and verification processes appears to be inadequate, resulting in significant harm to my creditworthiness and financial stability. 

The negative items in question include, but are not limited to : Late Payments Bankruptcies Charge-Offs Collections Unverified or Unauthorized Credit Inquiries Nature of the Complaint Improper and Inadequate Verification : I have disputed multiple negative items on my TransUnion credit report, but the company has responded with vague statements that the items were " verified '' without providing any evidence of their investigation. Under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to conduct a reasonable investigation for disputed items. It is clear that TransUnion is failing to meet this obligation. 

Failure to Provide Supporting Documentation : I have requested documentation to validate the accuracy of the disputed items, including original creditor agreements and account records. Despite my requests, TransUnion has failed to provide any substantive proof or evidence to support the continued reporting of these items. Their lack of transparency and failure to produce meaningful verification is unacceptable. 

Reporting Inaccurate or Unverified Information : TransUnion continues to report outdated, inaccurate, or unverifiable information on my credit report. This includes unauthorized credit inquiries, accounts that have surpassed the statute of limitations for reporting, and other items that remain on my report despite my disputes. 

Negative Impact on My Creditworthiness : These improperly verified items are causing significant harm to my credit score and limiting my access to credit and financial opportunities. TransUnion 's negligence in addressing these disputes has further exacerbated this harm.

Accounts but not limited to XXXX 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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Santander is reporting late payments on the account, XXXX XXXX to XXXX. Then XXXX XXXX to XXXX. Also the vehicle was total loss as of XX/XX/XXXX and the company received an settlement amount from the other driver insurance company XXXX, but still want to collect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccurate information in my credit report. Despite my submissions, Equifax consistently responds withing 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act, 15 usc. 1681i which mandates a reasonable investigation of disputes. Furthermore equifax actions may also contravene the consumer financial protection act, 12 usc. 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 equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: PA

Complaint narrative:
I request the immediate removal of the unauthorized accounts from my credit report. I did not authorize or create these accounts and have no knowledge of their origins. As outlined in USC 1681g, I am formally requesting their removal within 15 days. Enclosed are the relevant documents for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UHG, LLC
State: MO

Complaint narrative:
On XX/XX/XXXX, I received an email from XXXX XXXX XXXX XXXX which alleged I owed a debt to UHG LLC with the account originating from XXXX XXXX XXXX XXXX XXXXXXXX. On that same day I responded by email requesting verification of the alleged debt. XXXX XXXX XXXX XXXX did not reply or provide verification of the alleged debt. On XX/XX/XXXX, I recieved an email from XXXX XXXX XXXX XXXX which claimed to have been hired to help resolve the alleged XXXX XXXXXXXX XXXX XXXX XXXXXXXX balance that was purchased by UHC LLC. On that same day, I responded to the email as instructed requesting verification of the alleged debt. My reply email was returned twice after which I called the phone number provided in the email from XXXX XXXX XXXX XXXX. The employee who answered my call then provided the contact person 's email of who is tasked with my alleged account. I emailed this person requesting verification of the alleged debt that same day ( XX/XX/XXXX ). As of the date of this complaint ( XX/XX/XXXX ) I have not received any of the requested information from that person or XXXX XXXX XXXX XXXX. However, I have received two ( 2 ) emails from XXXX XXXX XXXX XXXX in that time requesting payment ( XX/XX/XXXXXXXX XXXX XXXX XXXX ). I replied to the second email I received XX/XX/XXXX, asking them to cease communication until the alleged debt is verified as well as attaching a copy of the original debt verification I sent XX/XX/XXXX. After my second request of alleged debt verication, I received a third email from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I have reason to believe this alleged debt is not mine, nor valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Account Number : XXXX ) listed as a collection with a past due balance of {$870.00} as of XXXX XXXX 
Dear XXXX XXXX, I, XXXX XXXX, the Original Creditor and a Natural Man, hereby rescind my consent to be liable to perform on the contract agreement entered with XXXX XXXX on. This notice is made in full accordance with the provisions of 15 U.S. Code 1635 ( b ) regarding my right to rescind the contract.

Upon reviewing the terms and conditions of the contract, I found that I was not given full disclosure of my right to rescind, and there was a lack of transparency regarding the nature of the consumer credit application as stipulated by 12 CFR 360.6 ( 2 ) and 17 CFR 260.11b-6. This leads me to believe that XXXX XXXX knowingly and willingly took advantage of my consumer credit. 

Please be advised that I am not canceling or terminating the contract. However, I am deducting my liability to pay on behalf of the obligor as I have discovered several violations and acts of fraud. Therefore, under 15 U.S. Code 1635 ( b ), I am not liable for any finance charge, and any security interest related to this contract becomes void immediately.

Company response to consumer: Closed with non-monetary relief