vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed inaccurate information on my credit report with XXXX, Equifax, and XXXX several times, but the errors still remain unresolved. Despite multiple attempts, the credit bureaus have not corrected the discrepancies. 

15 USC 1681i ( a ) ( 1 ) ( A ) : This challenges the failure to complete a reasonable investigation within 30 days, which has led to inaccurate information staying on my credit report.

15 USC 1681i ( a ) ( 3 ) ( A ) : This challenges the lack of providing a complete investigation report, including supporting evidence for the disputed items.

15 USC 1681i ( a ) ( 6 ) ( A ) : This challenges the failure to notify me of the results of the investigation or provide information on actions taken regarding my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Someone opened credit card without my knowledge around XX/XX/year> midland credit managment XXXX XXXXXXXX Remove from XXXX credit file Remove from XXXX credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I ATTENDED A SCHOOL NAME XXXX XXXX XXXX BACK IN XXXX, AND I TOOK THE CLASSES FOR CERTIFIED MEDICAL ASSISTANCE AND MEDICAL BILLING AND CODING, BUT AS I GETTING READY TO GRADUATE THE SCHOOL CLOSED DOWN AND I GOT THE CERTIFICATION FOR THE COURSES BUT, WHEN I TRIED TO GET A JOB WITH THE CERTIFICATIONS I WAS REFUSED BECAUSE I WAS TOLD THE CERTIFICATION WAS NOT GOOD BECAUSE THE SCHOOL WAS NOT AN ACCREDITED SCHOOL SO THE CERTIFICATES WAS NO GOOD SO I COULD NOT USE THEM, THE DR. THAT I DID MY INTERM HOURS WITH LET ME STAY THERE, NO IT IS ON MY CREDIT REPORT MULTIPLE TIMES, AND I APPLIED FOR DEFERMENT, FORBEARANCE AND I ALSO APPLIED FOR STUDENT LAON FORGIVENESS , I APPLIED TO HAVE IT REMOVED THREW DEPARTMENT OF EDUCATION , BACK WHEN THE GOVERMENT WAS PAYING OFF OLD STUDENT LOANS BUT I NEVER HEARD ANYTHING, AND IT IS STILL THERE MULTIPLE TIMES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I ATTENDED A SCHOOL NAME XXXX XXXX XXXX  BACK IN XXXX, AND I TOOK THE CLASSES FOR CERTIFIED MEDICAL ASSISTANCE AND MEDICAL BILLING AND CODING, BUT AS I GETTING READY TO GRADUATE THE SCHOOL CLOSED DOWN AND I GOT THE CERTIFICATION FOR THE COURSES BUT, WHEN I TRIED TO GET A JOB WITH THE CERTIFICATIONS I WAS REFUSED BECAUSE I WAS TOLD THE CERTIFICATION WAS NOT GOOD BECAUSE THE SCHOOL WAS NOT AN ACCREDITED SCHOOL SO THE CERTIFICATES WAS NO GOOD SO I COULD NOT USE THEM, THE DR. THAT I DID MY INTERM HOURS WITH LET ME STAY THERE, NO IT IS ON MY CREDIT REPORT MULTIPLE TIMES, AND I APPLIED FOR DEFERMENT, FORBEARANCE AND I ALSO APPLIED FOR STUDENT LAON FORGIVENESS , I APPLIED TO HAVE IT REMOVED THREW DEPARTMENT OF EDUCATION , BACK WHEN THE GOVERMENT WAS PAYING OFF OLD STUDENT LOANS BUT I NEVER HEARD ANYTHING, AND IT IS STILL THERE MULTIPLE TIMES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I ATTENDED A SCHOOL NAME XXXX XXXX XXXX BACK IN XXXX, AND I TOOK THE CLASSES FOR CERTIFIED MEDICAL ASSISTANCE AND MEDICAL BILLING AND CODING, BUT AS I GETTING READY TO GRADUATE THE SCHOOL CLOSED DOWN AND I GOT THE CERTIFICATION FOR THE COURSES BUT, WHEN I TRIED TO GET A JOB WITH THE CERTIFICATIONS I WAS REFUSED BECAUSE I WAS TOLD THE CERTIFICATION WAS NOT GOOD BECAUSE THE SCHOOL WAS NOT AN ACCREDITED SCHOOL SO THE CERTIFICATES WAS NO GOOD SO I COULD NOT USE THEM, THE DR. THAT I DID MY INTERM HOURS WITH LET ME STAY THERE, NO IT IS ON MY CREDIT REPORT MULTIPLE TIMES, AND I APPLIED FOR DEFERMENT, FORBEARANCE AND I ALSO APPLIED FOR STUDENT LAON FORGIVENESS , I APPLIED TO HAVE IT REMOVED THREW DEPARTMENT OF EDUCATION , BACK WHEN THE GOVERMENT WAS PAYING OFF OLD STUDENT LOANS BUT I NEVER HEARD ANYTHING, AND IT IS STILL THERE MULTIPLE TIMES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filling a complaint against Cash App ( Block inc. ) due to inadequate customer service and unfair practices, which violates 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.

Further, the more dispute process was unfair and deceptive as they did not comply with error resolution requirement under the electronic fund transfer act ( ETFA ) and regulation E.

These actions cause significantly inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed inaccurate information on my credit report with TransUnion, XXXX, and XXXX multiple times, yet the errors remain unresolved. Despite my efforts to have the information corrected, the credit bureaus have failed to take the necessary actions. 

The following violations apply to this matter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This challenges the 30-day response time for investigating disputes, which was not adhered to in my case. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This challenges the investigation protocol, as no adequate results or findings were provided to support the disputed information 's accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This challenges reinsertions protocols, as the disputed information has remained on my report without proper notification or validation, contrary to FCRA requirements. 

I request that the CFPB investigate these violations and ensure that the credit bureaus comply with the Fair Credit Reporting Act by correcting the inaccuracies and adhering to proper dispute resolution procedures.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: TX

Complaint narrative:
I have disputed inaccurate information on my credit report with XXXX, XXXX, and Experian multiple times, yet the errors remain unresolved. Despite my efforts to have the information corrected, the credit bureaus have failed to take the necessary actions. 

The following violations apply to this matter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This challenges the 30-day response time for investigating disputes, which was not adhered to in my case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This challenges the investigation protocol, as no adequate results or findings were provided to support the disputed information 's accuracy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This challenges reinsertions protocols, as the disputed information has remained on my report without proper notification or validation, contrary to FCRA requirements. 

I request that the CFPB investigate these violations and ensure that the credit bureaus comply with the Fair Credit Reporting Act by correcting the inaccuracies and adhering to proper dispute resolution procedures.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX24 a collection from the company radius global solution was reported with a balance of {$380.00} on my TransUnion. I checked my credit using XXXX XXXX and XXXX. However, on my XXXX the account is reporting at {$590.00} which reported XX/XX/XXXX. Therefore reporting amount is inaccurate, and should be deleted from my credit report due to the fair credit reporting act. XXXX XXXX. XXXX et seq.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

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 Transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash app ( Block , Inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$29000.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Owed : {$30000.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$30000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc. ) due to an adequate customer service, and unfair practices, which, violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely active measures to prevent and address fraud on the platform, leaving my account vulnerable and unprotected. Furthermore, the dispute resolution process, was unfair and deceptive, as they did not comply with error resolution requirements or the Electronic Fund Transfer Act ( EFTA ), Regulations E. These actions have caused significant inconvenience and financial loss, I seek the appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: 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 ) for 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 do not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Credit stated I have open accounts when they were closed years ago.. and also a couple of school loans I know nothing about

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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:
Eperian has failed to fulfill its legal obligations under the Fair Credit Report Act ( FCRA ) .to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverified accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures algin with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided. I am requesting immediate corrective action to remove or amend the disputed accounts. As Experian inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.

These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

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 XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. 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. Attached files are the accounts I marked as inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have contacted Experian 8 times in 2 months and never get accurate information as to why when I dispute things they come off and come back on and its the same companies. I was told it was because these companies have my information and put it back on and I said that goes against the fair credit reporting act .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Im suppose to be notified when a company or anyone reports on my credit report. Im unhappy what is the point of a security freeze when anyone can just put anything on your credit report with out the credit bureau providing proof this is yours or contacting you to let you know this is happening. They contact you on email to let you know about credit card offers but never notify me when in accurate information is being put on my credit report .This has happened to me 22 times now is not fair credit reporting and Im a consumer and am not able to fix this issue and experian is not reporting accurate information pertaining to my personal information my credit score keeps going up and down because of this and my livelihood is being effect from this and I have no way of fixing this issue myself and I can not get any assistance from the company reporting this on my credit these companies and experian have been giving numerous letters and they had 30 days to contact and correct these inaccuracies on my report and havent very frustrated and need assistance

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