vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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:
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair and Accurate Credit Transaction Act ( FACT ), 16 C.F.R. Part 602, 12 C.F.R. Part 1022, and the Dodd-Frank Act, I am writing to formally dispute the reporting of exclusionary information on my consumer credit report.

Congressional findings under 15 U.S.C. 1681 highlight the necessity for consumer reporting agencies to fulfill their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. Upon reviewing my credit report, I observed that both the consumer reporting agency and the creditor have reported exclusionary information without my consent. Specifically, certain late payments and credit utilization metrics fall under the exclusions outlined in 15 U.S.C. 1681 and 12 C.F.R. Part 1022. These exclusions apply to information solely pertaining to transactions or experiences between the consumer and the person making the report.

Late payments and credit utilization constitute information arising solely from transactions or experiences between myself and the creditor. Reporting such information on my consumer credit report contravenes the aforementioned statutes and regulations. By including this exclusionary information, your agency is in violation of the FCRA, 12 C.F.R. Part 1022, and other governing laws. Additionally, under 15 U.S.C. 1681s-2, creditors are prohibited from furnishing inaccurate or improper information to consumer reporting agencies. 

Furthermore, I have identified an account on my report, specifically the XXXX XXXX account, which is listed as " CHARGE-OFF '' status. A charged-off account indicates a debt that has been canceled or forgiven by the creditor. Reporting such canceled or forgiven debt constitutes a prohibited form of communication of the debt, as it is no longer valid for reporting purposes under applicable laws.

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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

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 Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( 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 Regulations 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 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I had an account from navy federal bank and it seem like they edged any amount I got paid and made my acct go into the negative before posting my payments and taking on fees, they closed my acct and push me to collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
Please be advised that as of XXXX XXXX as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX XXXX {$290.00} XXXX XXXXXXXX XXXX XXXX XXXX - {$4800.00} I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above mentioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.

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 2025-01-26 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: MI

Complaint narrative:
Inquiries on my consumer report that were not authorized by me this is a violation of my rights according to 15 USC 1681b, Please delete these inquiries that i did not approve or give these companies permission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: MI

Complaint narrative:
Inquiries on my consumer report that were not authorized by me this is a violation of my rights according to 15 USC 1681b, Please delete these inquiries that i did not approve or give these companies permission

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 2025-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: NY

Complaint narrative:
National recovery agency has been emailing and texting me about a debt. My address is incorrect but i havent paid a utility bill for the address that they are saying i owe somewhere in XXXX. When they have my address listed as my permanent place in NY. Over XXXX miles away. 

There is a balance of XXXX $ owed apparently. XXXX just not aware of this bill or any payments i need to make. I have asked the company to prove this as mine but i only get told to pay. They have been contacting me since XXXX of 2024 almost weekly, with many calls and texts

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 2025-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have disputed inaccurate information on my credit reports dating back to XXXX Several accounts on my report were disputed more than one time. As required by the CFPB and FCRA, upon conclusion of a dispute, each credit bureau must provide detailed steps taken to investigate disputes and advise if a reinvestigation took place. Neither of these steps were provided to me, nor was my report containing inaccurate information fixed. 

XXXX, XXXX, and Transunion did not comply with Consumer Financial Protection Bureau ( CFPB ) regulations by : Failing to investigate disputes properly Failing to remove inaccurate information from credit reports Failing to notify consumers of reinvestigation results Reinserting previously deleted information Failing to convey disputes to furnishers fully and accurately Relying too much on furnishers to resolve disputes

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 2025-01-26 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: KY

Complaint narrative:
I have disputed inaccurate information on my credit reports dating back to XXXX. Several accounts on my report were disputed more than one time. As required by the CFPB and FCRA, upon conclusion of a dispute, each credit bureau must provide detailed steps taken to investigate disputes and advise if a reinvestigation took place. Neither of these steps were provided to me, nor was my report containing inaccurate information fixed. 

XXXX, Equifax, and XXXX did not comply with Consumer Financial Protection Bureau ( CFPB ) regulations by : Failing to investigate disputes properly Failing to remove inaccurate information from credit reports Failing to notify consumers of reinvestigation results Reinserting previously deleted information Failing to convey disputes to furnishers fully and accurately Relying too much on furnishers to resolve disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: MI

Complaint narrative:
I submitted a dispute in XXXX of a XXXX XXXX XXXX lease end in XXXX that was not property documented resulting in a late payment charge on my credit report. I submitted documentation from the lease company where they admitted their error and Experian still denied the dispute request and the late payment cause my credit to drop almost XXXX points.

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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NM

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 proce 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 2025-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a complaint with CFPB, Complaint ID XXXX XXXX against Transunion on XX/XX/year> because the company has failed to properly investigate the disputes I am submitting, validate the debt, or provide me with a written explanation describing the procedures they have used to investigate my disputes. I received notification from Transunion on XX/XX/year> that they have completed their investigation on my dispute and and verified the account as accurate. There is no way they completed a reinvestigation in 1 day and they have failed to provide any information on their investigative procedures, what company verified the debt, or how they know it is accurate. This is in direct violation of the Fair Credit Reporting Act ( FCRA ) and TransUnion is continually violating my consumer rights by not reinvestigating my disputes. Initially Transunion told me they were getting information from the XXXX XXXX XXXXXXXX for the account. I have supplied evidence that the XXXXXXXX XXXX XXXX does not report ANY information to ANY credit bureau. They then said they got the information from XXXX XXXX. I spoke with XXXX XXXX and they told me they are not reporting this information to Transunion and supplied me with my report proving the account is not reporting. I have been going back and forth with Transunion for over a year and they keep validating the debt without investigation or any proof of an investigation.

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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, {$30.00} was transferred off of my cash app to a XXXX account. I sent proof that the payment wasnt received to the merchant in XXXX. I have a screen shot and they showed where it was never deposited into their account. I sent it to cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
On reviewing my credit report, I noticed an issue with the XXXX account and its reporting. The debt associated with this account was sold to XXXX XXXX, which is now reporting the balance as a collection account. However, the original creditor, XXXX, is still reporting the account as a charge-off with a {$0.00} balance. 

This double reporting of the same debt is inaccurate and misleading. It negatively impacts my credit score, as it appears I have more debt than I actually do. The Fair Credit Reporting Act ( FCRA ) requires credit reporting to be accurate, and accounts should not appear twice when the debt has been sold or transferred. The original creditor, XXXX should reflect a {$0.00} balance and indicate that the account was transferred or sold, without continuing to report it as an active derogatory account. 

I took action by disputing this issue with the credit bureaus ( TransUnion, XXXX, and XXXX ) but have not received a satisfactory resolution. As of XX/XX/year>, both XXXX and XXXXXXXX XXXX are reporting this debt on my credit report, and this duplicative reporting persists. 

I am requesting that XXXX tradeline be removed from my credit report, as the debt has been sold and is already being reported by XXXXXXXX XXXX  This correction will ensure the accuracy of my credit report and compliance with FCRA requirements.

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 2025-01-26 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: TX

Complaint narrative:
On reviewing my credit report, I noticed an issue with the XXXX  account and its reporting. The debt associated with this account was sold to XXXX XXXX, which is now reporting the balance as a collection account. However, the original creditor, XXXX, is still reporting the account as a charge-off with a {$0.00} balance. 

This double reporting of the same debt is inaccurate and misleading. It negatively impacts my credit score, as it appears I have more debt than I actually do. The Fair Credit Reporting Act ( FCRA ) requires credit reporting to be accurate, and accounts should not appear twice when the debt has been sold or transferred. The original creditor, XXXX, should reflect a {$0.00} balance and indicate that the account was transferred or sold, without continuing to report it as an active derogatory account. 

I took action by disputing this issue with the credit bureaus ( XXXX, XXXX, and Equifax ) but have not received a satisfactory resolution. As of XX/XX/year>, both XXXX and XXXXXXXX XXXX  are reporting this debt on my credit report, and this duplicative reporting persists. 

I am requesting that XXXX tradeline be removed from my credit report, as the debt has been sold and is already being reported by XXXXXXXX XXXX  This correction will ensure the accuracy of my credit report and compliance with FCRA requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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 my concerns regarding Zelle 's handling of disputes, particularly in the 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 of funds was impossible and that tracking these transactions was unfeasible. The CFPB 'S 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$1000.00} Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$12000.00} Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$4900.00}, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-26 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$1000.00} Account name XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXXXXXX XXXX  Reported : XXXX XXXX, XXXX {$12000.00} Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX {$4900.00}, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief