vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/year> Equifax Information Services , LLC , XXXX XXXX XXXX, XXXX XXXX GA XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, EQUIFAX I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : Please remove inquiries below XXXX XX/XX/scrub> 2025 XXXX XXXX XX/XX/scrub>, 2025 Under the Fair Credit Reporting Act ( FCRA ), 1 have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted.

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ).

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX1XXXX XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/year> Equifax Information Services , LLC , XXXX XXXX XXXX, XXXX XXXX GA XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, EQUIFAX I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : Please remove inquiries below XXXX XX/XX/year>2025 XXXX XXXX XX/XX/year>2025 Under the Fair Credit Reporting Act ( FCRA ), 1 have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted.

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ).

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate and harmful credit reporting by XXXX XXXX and credit reporting agencies ( Experian, XXXX, and XXXX ). Despite multiple disputes and requests for correction, the inaccurate information remains on my credit report, negatively affecting my credit score and ability to purchase a home. 

In XXXX, I opened a secured credit account with XXXX XXXX. I requested to close this account in XX/XX/XXXX. However, XXXX XXXX failed to honor my request to close the account, and the account remained open. As a result, fees accrued on the account, leading to late payment ratings being reported on my credit report for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), specifically : 611 ( 15 U.S.C. 1681i ) : The credit bureaus failed to conduct a reasonable reinvestigation of my disputes within the required timeframe.

623 ( 15 U.S.C. 1681s-2 ) : XXXX XXXX , as a data furnisher, failed to ensure the accuracy of the information reported and did not properly investigate or correct the inaccuracies when notified.

Harm Caused : This inaccurate reporting has significantly impacted my credit score, making it difficult for me to qualify for a mortgage and achieve my goal of purchasing a home. Despite my good-faith efforts to dispute the inaccuracies, XXXX XXXX and the credit bureaus have not corrected the errors. 

Pattern of Misconduct by XXXX XXXX : XXXX XXXX has a documented history of unfair and deceptive practices, including recent lawsuits and settlements for violating consumer protection laws. Notable examples include : XX/XX/XXXX CFPB Order : XXXX XXXX was ordered to pay {$3.00} XXXX in fines and restitution for systemic misconduct, including improper fees, interest charges, and unauthorized account activity. 
Other Settlements : XXXX XXXX has been repeatedly fined for mishandling consumer accounts, reporting inaccurate information, and failing to comply with federal laws. 
These cases demonstrate a consistent pattern of consumer harm, reinforcing my concerns about XXXX XXXX handling of my account and reporting obligations.

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 2025-01-21 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 cashapp ( Block, Inc. ) Due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cashapp 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 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: MS

Complaint narrative:
Last year my taxes were sent to my cash app and I never received the full balance that was sent to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: OH

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Dispite using Zelle numerous of 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 Cfpbs findings indicate that Zelle not only has neglected to protect consumers but 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 2025-01-21 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:
TransUnion 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 ) has recently filed a lawsuit against TransUnion, 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 align with my experience, where Transunion has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Transunion, 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 align with my experience, where Transunion 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 Transunion 's 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 2025-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: LA

Complaint narrative:
First I sent a debt validation letter to all these debt XXXX who I'm totally unaware of them and didn't sign are authorized my personal information to be sent to them witch is against the law under 15 usc 1692g.I asked all these debt collectors for a debt assignment and the original contract that I signed from the original creditor.i sent theses letters to XXXX funding, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX my report two the account are showing open balance and they have been charged off.So I'm asking that these account be removed from my report as they are totally inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: NC

Complaint narrative:
I am writing to formally file a complaint against Navy Federal Credit Union regarding multiple overdraft fees that have been applied to my account. Despite having sufficient funds at the time transactions were authorized, I was charged fees due to delays in the posting of charges and credits. This situation mirrors the recent findings by the Consumer Financial Protection Bureau ( CFPB ) against Navy Federal for similar practices, where transactions were processed in a manner that resulted in insufficient balances, despite initial availability of funds. I believe these practices are unfair, and I request a thorough investigation into the transactions on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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:
I am filing this complaint against Experian for failing to comply with multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( a ) ( 5 ), and 15 USC 1681c ( c ). Experian has repeatedly failed to properly investigate errors on my credit report and has not corrected or removed inaccurate information despite my multiple disputes. Their actions have caused significant harm to my creditworthiness, limiting my access to credit, employment, and housing opportunities. 

Violations : 15 USC 1681e ( b ) : Experian has failed to maintain accurate information in my credit report.

15 USC 1681s-2 : Experian has failed to ensure furnishers are correcting inaccurate information.

15 USC 1681i ( a ) ( 5 ) : Experian did not correct or delete inaccurate information after my disputes.

15 USC 1681c ( c ) : Experian continues to report outdated and obsolete negative information. 

3. Harm Caused : These errors have resulted in [ denied credit applications, higher interest rates, loss of housing opportunities, etc. ]. 

The process has caused unnecessary stress, wasted time, and financial losses.

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 2025-01-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Fourth Notice to Equifax Equifax , Inc., Customer Data Security Breach Litigation U.S. District Court for the XXXX XXXX XXXX XXXX  ( Case No. XXXX ) XXXX XXXX, XXXX XXXX Customer Data Security Breach Litigation U.S. District Court for XXXX XXXX XXXX XXXX  ( Case No XXXX XXXX ) Demand for Immediate Removal of Unauthorized Accounts Due ; Equifaxs & XXXX XXXX XXXX XXXX Data Breachs & Identity Thefts . I am requesting the immediate removal of these fraudulent accounts from my credit files. The disputed items are below : XXXX XXXX XXXX XXXX Balance : {$1000.00} ; Opened Date : XXXX. XXXX, XXXX XXXX  XXXX ; Balance : {$3100.00} ; Opened Date : XXXX XXXX, XXXX XXXX XXXX ; Balance : {$650.00} ; Opened Date : XX/XX/XXXX Equifax have continue to fail at conducting a timely and meaningful investigation, as mandated under 15 U.S.C. 1681i ( a ) ; improperly verified or ignored accounts that are clearly unauthorized and linked to the Equifax and XXXX XXXX XXXX XXXX data breach; continued to report inaccurate information in violation of 15 U.S.C. 1681e ( b ), which requires reasonable procedures to ensure maximum accuracy. Equifax violations of the law and their actions, or lack thereof, constitute the following : Failure to Investigate : Under 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies are required to conduct a reinvestigation of disputed information within 30 days of receipt. Equifax has failed to meet this obligation in my case ; Negligence in Reporting : Under 15 U.S.C. 1681e ( b ), you are obligated to ensure that all reported information is accurate and up to date. Your continued reporting of unauthorized accounts fails this standard ; Failure to Provide Notice : Under 15 U.S.C. 1681i ( a ) ( 6 ), Equifax must provide the consumer with a written notice of the results of its investigation. To date, I have not received adequate notice regarding my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: NH

Complaint narrative:
I am filing this complaint regarding Transunion 's handling of a fraudulent account ( XXXX  XXXX, XXXX ) on my consumer report. Despite my compliance with all legal procedures, Transunion reinstated this account, citing, " Account previously in dispute - investigation complete, reported by data furnisher. '' Under FCRA 611 ( 15 U.S.C. 1681i ), I request written confirmation that this fraudulent account has been blocked and removed as required by the FTC Identity Theft Affidavit. Additionally, I seek a detailed explanation as to why this account was not removed initially, despite my submission of the necessary documents, including my ID, Social Security, proof of address, and the original FTC Identity Theft report. I also request disclosure of the method of investigation used, as mandated by FCRA 611. Furthermore, I am aware of recent lawsuits against XXXX for failing to properly investigate disputes, highlighting a troubling pattern of non-compliance with federal law. I expect Transunion to complete its investigation and provide all requested documentation within the four-business-day timeframe required under FCRA 605B. Your prompt resolution of this matter is appreciated. Here is the CFPB complaint number associated with my original complaint ( XXXX ) of the fraudulent accounts. Attached, you will also find the original dispute with the deleted fraudulent accounts.

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 2025-01-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PLANET HOME LENDING, LLC
State: AZ

Complaint narrative:
Planet home l ending steals ppls escrows. Plus I got qualified for a lower rate but yet they want me to make a triple payment every month. Uncalled for. I called them tody. Got round about answer. I talked to VA home loans they are upset at this company. I tried to email the CEO XXXX XXXX but no response I emailed XXXX XXXX (? ) president but no response When u call planet home lending. There representatives lie

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-01-21 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:
I have disputed this alleged loan numerous times due to the fact that there is no contract between XXXX XXXX, the natural person, and XXXX XXXX XXXX or the US Department of Education. There is no promissory note with wet ink signature. There is no proof of original contract that exists. Who authorized this loan? 
They keep submitting " proof '' of a master promissory note with a typed signature. I am questioning the validity of the alleged promissory note. Anyone could have TYPED my name in the space. Where is the original contract?

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 2025-01-21 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:
I have disputed this alleged loan numerous times due to the fact that there is no contract between XXXX XXXX, the natural person, and XXXX XXXX XXXX or the US Department of Education. There is no promissory note with wet ink signature. There is no proof of original contract that exists. Who authorized this loan? 
They keep submitting " proof '' of a master promissory note with a typed signature. I am questioning the validity of the alleged promissory note. Anyone could have TYPED my name in the space. Where is the original contract?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: TX

Complaint narrative:
I have disputed this alleged loan numerous times due to the fact that there is no contract between XXXX XXXX, the natural person, and XXXX XXXX XXXX or the US Department of Education. There is no promissory note with wet ink signature. There is no proof of original contract that exists. Who authorized this loan? 
They keep submitting " proof '' of a master promissory note with a typed signature. I am questioning the validity of the alleged promissory note. Anyone could have TYPED my name in the space. Where is the original contract?

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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
I XXXX XXXX XXXX cash app by XXXX XXXXXXXX and XXXX XXXXXXXX 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 2025-01-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: SC

Complaint narrative:
XXXXedars Business Services is attempting to collect a debt that I do not owe. I moved out and my roommates took over the utility bill. I was removed from the lease and the utilities and notified Cedars of such immediately upon lease termination. At this point I can only assume they are not in compliance with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. This inaccurate debt being reported to XXXX, XXXX, and XXXX is causing me denials of credit and higher interest rates. I am requesting immediate removal from XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation