vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TN, XXXX XXXX XXXX XX/XX/XXXX Dear Experian/TransUnion, I recently reviewed my credit report and noticed that the following charged-off account is still reporting a balance, which I believe to be inaccurate : Account Name : XXXX XXXX XXXX Original Creditor : The View at XXXX XXXX Account number XXXX XXXX Date of Charge-Off : XX/XX/XXXX Reported Balance : {$8000.00} Original Balance : {$6900.00} Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX Account number : XXXX Date of Charge-Off : XX/XX/XXXX Reported Balance : {$1000.00} Account Name : XXXX XXXX XXXX Account number : XXXX Date XXXX Charge-Off : XX/XX/XXXX Reported Balance : {$13000.00} Account Name : XXXX XXXX XXXX  XXXX XXXX Account number : XXXX Date of Charge-Off XXXX XX/XX/XXXX Reported Balance : {$95.00} Account Name : XXXX XXXX XXXX Account number : XXXX  Date of Charge-Off : XX/XX/XXXX Reported Balance : {$80.00} Account Name : XXXX XXXX Account number : XXXX Date of Charge-Off : XX/XX/XXXX Reported Balance : {$250.00} According to the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate and verifiable. If this account was sold to a debt collection agency, which it has, the original creditor MUST report a {$0.00} balance, as they no longer own the debt. If they still own the debt, I request written verification of this balance, including : 1. Documentation proving the original creditor still owns the debt and can legally report a balance.

2. Proof that the balance reported is correct and consistent with the terms of the original agreement.

3. If the debt was sold, the name and contact information of the entity now responsible for it. 

If this account can not be verified, I request its immediate correction or deletion from my credit file. I have attached a copy of my driver 's license and proof of address to verify my identity. 

Please conduct a thorough and accurate investigation on all of these listed accounts and respond within 30 days, as required under the FCRA. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TN, XXXX XXXX XXXX XX/XX/XXXX Dear Experian/TransUnion, I recently reviewed my credit report and noticed that the following charged-off account is still reporting a balance, which I believe to be inaccurate : Account Name : XXXX XXXX XXXX Original Creditor : The View at XXXX XXXX Account number XXXX XXXX Date of Charge-Off : XX/XX/XXXX Reported Balance : {$8000.00} Original Balance : {$6900.00} Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX Account number : XXXX Date of Charge-Off : XX/XX/XXXX Reported Balance : {$1000.00} Account Name : XXXX XXXX XXXX Account number : XXXX Date XXXX Charge-Off : XX/XX/XXXX Reported Balance : {$13000.00} Account Name : XXXX XXXX XXXX  XXXX XXXX Account number : XXXX Date of Charge-Off XXXX XX/XX/XXXX Reported Balance : {$95.00} Account Name : XXXX XXXX XXXX Account number : XXXX  Date of Charge-Off : XX/XX/XXXX Reported Balance : {$80.00} Account Name : XXXX XXXX Account number : XXXX Date of Charge-Off : XX/XX/XXXX Reported Balance : {$250.00} According to the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate and verifiable. If this account was sold to a debt collection agency, which it has, the original creditor MUST report a {$0.00} balance, as they no longer own the debt. If they still own the debt, I request written verification of this balance, including : 1. Documentation proving the original creditor still owns the debt and can legally report a balance.

2. Proof that the balance reported is correct and consistent with the terms of the original agreement.

3. If the debt was sold, the name and contact information of the entity now responsible for it. 

If this account can not be verified, I request its immediate correction or deletion from my credit file. I have attached a copy of my driver 's license and proof of address to verify my identity. 

Please conduct a thorough and accurate investigation on all of these listed accounts and respond within 30 days, as required under the FCRA. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: NY

Complaint narrative:
Dear CFPB, I am filing a formal complaint against both TransUnion and Experian for failing to provide proof of verification for accounts they claim to have investigated and verified on my credit report. Despite my multiple formal request for documentation demonstrating the accuracy and legitimacy of these accounts, neither credit bureau has provided any supporting evidence to justify their continued reporting. 

Additionally, Experian 's response to my dispute raises further concerns, as they have reinserted previously deleted information back onto my credit report without proper notification or verification. XXXX Report # XXXX and my generated report on XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), any reinsertion of deleted information must be accompanied by notice to the consumer and supporting documentation proving its accuracy. Experian 's actions violate my rights and create further inaccuracies on my report. 

Under the FCRA, I have the right to request verification of any reported accounts. If TransUnion and Experian are unable to provide original documentation proving the validity of these accounts, they are required by law to remove them from my credit report. Their failure to do so constitutes a clear violation of my rights under the FCRA and raises concerns about their compliance with federal regulations. 

I request that the CFPB investigate this matter to ensure that TransUnion and Experian are adhering to their legal obligations. Additionally, I demand that all unverifiable accounts be removed from my credit report immediately. If these companies continue to report inaccurate or unverified information, I will have no choice but to explore legal action for their noncompliance and seek damages for any harm caused by their negligence. 

Please provide me with updates regarding this complaint. 

Thank you for your prompt attention to this matter. 

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 2025-02-01 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: LA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's 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 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. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I noticed someone applied for something in my name that I did not authorize. I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
I have asked repeatedly that they speak with me over XXXX  because I am XXXX They refuse and continually hang up. I've written them request asking for a payment plan and help to get caught up. I've been asking since XX/XX/year>. They refuse. They call I answer every time. They then turned me over to their collections who they said to contact email and I did. I have proof. I sent them all the calls answered on the list. All the emails written and letters. I am being ignored over and over again. I was with them for 2 years and on time payments. I was laid off and asked for help. I'm tired of being ignored. They are a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: MO

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 issue aligns with the recent CFPB findings against Navy Federal 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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: IL

Complaint narrative:
I am writing to request the immediate removal of any fraudulent or inaccurate information on my credit report resulting from the recent data breach. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and complete credit file, and I believe that the breach has compromised my personal data and led to potential inaccuracies or unauthorized entries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX ) REMOVE ALL ACCOUNTS THATS LISTED ABOVE

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 2025-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( 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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 2025-02-01 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: GA

Complaint narrative:
I have mail dispute letters and i have a lot of collections are showing errors. I have asked for accounts to be deleted and i was told the investigation was accurate and it will not be deleted

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 2025-02-01 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: GA

Complaint narrative:
I have mail dispute letters and i have a lot of collections are showing errors. I have asked for accounts to be deleted and i was told the investigation was accurate and it will not be deleted

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 2025-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Creditor Name : XXXX XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name XXXX XXXX XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry

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 2025-02-01 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: WA

Complaint narrative:
I am a victim of identity theft, I have contacted Experian four times, giving Experian an opportunity, to comply with the 'notice of identity theft ' and resolve this amicability without further legal action. Experian 's failure to adhere to the FCRA is exactly as the CFPB 's new lawsuit against Experian has detailed : Experian has responded to my notice ( s ) of identity theft by conducting a sham investigation, failing to address to properly address my dispute according to FCRA statutes, and then reinserting the inaccurate information on my consumer report. 

The attached documents have been sent to Experian via USPS certified mail # XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX See the attached.

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/year> I advised Equifax that I am a federally protected consumer as defined by 12 CFR 1016.3 ( e ) ( 1 ) and upon my recent review of my EQUIFAX credit report, copy attached, I noticed a potential violation of my right to privacy through unauthorized, Non Public, personally identifiable financial information on my credit report being used as a coercion tactic causing me undue stress, anxiety and negatively impacting my credit file that, according to Congress, is to be fair and equitable to me. 

According to 12 CFR 1016.3 ( p ) ( 1 ) Non Public Information : Personally identifiable financial information, per 12 CFR 1016.3 ( q ) ( 2 ) ( i ) ( B ), includes Account balance information, payment history, overdraft history, and credit or debit card purchase information. Additionally, per 15 USC 1682a ( 2 ) ( A ) ( i ) " consumer report '' does not include report containing information solely as to transactions or experiences between the consumer and the person making the report ; EQUIFAX is hereby given notice that pursuant to 15 U.S. Code 1681 ( a ) ( 4 ), which states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Accordingly, EQUIFAX has violated my right to privacy by furnishing my private personally identifiable financial information without my written consent or any lawful authority and pursuant to 12 CFR 1022.3 ( h ), EQUIFAX may have committed aggravated identity theft as defined by 18 U.S. Code 1028A, by making such reports without such lawful authority and without my prior express written consent. 

As stipulated above, any and all unlawful, unauthorized Non-Publicly available information reported as listed below, but not limited to, shall be removed immediately. 

See attached EQUIFAX Credit Report dateXXXX 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  Additionally, notice is given to EQUIFAX, I, the consumer in fact, rescind and revoke any prior written, verbal or electronic authorization that I may have granted and hereby effective immediately, XXXX XXXX XXXX XXXX XXXX my consumer rights under 12 CFR 1016.7 ( h ) to OPT OUT of all reporting of any Non-Publicly available information and hereby invoke my rights that my OPT OUT is to remain effective until I, the consumer, revoke such in writing per 12 CFR 1016.7 ( i ) ( 1 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I have always been Billed with a mid month due date on my American Express Card. I receive paperless statements and for years have had no issues. This month, my billing date moved up 10 days from when it is normally due WITHOUT NOTICE. I pay my bills 2X a month and happened to be setting up for my mid month cycle only to find my payment was due today. This has to be a violation of reasonable terms as they shortened my billing cycle grace period by at least 10 days and had I not logged in today, I would have been hit with interest and late fees.

Company response to consumer: Closed with explanation