vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CIG FINANCIAL LLC
State: SC

Complaint narrative:
Consumer Financial Protection Bureau Complaint Subject : XXXX Reporting Inaccurate Information on Credit Report Date : XX/XX/XXXX Complainant Information : XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX Complaint details : Credit Bureau Involved : XXXX Account Information : Creditor Name : AutoNation Finance Account Number : XXXX Description of the Issue : XXXX has inaccurately reported information on my credit report, and despite previous disputes, the errors remain unresolved. The inaccuracies significantly harm my creditworthiness and ability to secure credit. 

Specifically, XXXX has misreported payment history for an account, showing delinquency for several months where payments were actually made or no delinquency occurred. This misrepresentation violates XXXX 's obligation under the Fair Credit Reporting Act ( FCRA ) to ensure maximum possible accuracy in consumer reports. 

As evidence, I have attached a screenshot from my XXXX account showing the inaccurate reporting for XXXX and XXXX. The screenshot highlights : A 60-day late payment incorrectly reported for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
A XXXX late payment incorrectly reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

These inaccuracies have persisted despite my attempts to dispute them directly with XXXX. Additionally, XXXX failed to provide clear results of their reinvestigation or correct the errors as required by the FCRA. 

Recent CFPB Action Against XXXX : The CFPB recently fined XXXX {$3.00} XXXX for mishandling consumer disputes and failing to ensure the accuracy of information on consumer reports. My situation aligns with these ongoing systemic failures identified by the CFPB, demonstrating that XXXX continues to violate its legal obligations under the FCRA. 

Resolution Requested : I request the CFPBs intervention to ensure XXXX : Conducts a thorough and reasonable reinvestigation of the disputed items. 
Corrects or deletes the inaccurate information from my credit report. 
Provides a clear explanation of the reinvestigation results. 

Attachments : Screenshot showing inaccurate payment history ( attached ). 
Any additional evidence or correspondence available. 

I appreciate the CFPBs assistance in resolving this matter and ensuring that XXXX complies with its obligations under federal law.

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

Complaint narrative:
I am writing to formally dispute certain accounts and inquiries that have been reported on my consumer credit report, as referenced below. These entries appear to be the result of a data breach, fraud, or unauthorized activity. I demand verifiable proof bearing my signature or electronic signature for any transactions or inquiries associated with these reports. 

Please note, I am submitting this letter on my own behalf, not through any third party, and I kindly request that you review this matter carefully. I did not authorize these actions, and they represent a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ) regarding the blocking of information resulting from a data breach or fraud, as well as Section 604 ( 15 U.S.C. 1681b ) related to permissible purposes for consumer reports.

I have contacted the relevant companies and discovered that these actions were initiated without any compliant validation or original documentation from the reporting entities. As I did not authorize these accounts or inquiries, they must be classified as the result of either a data breach or the illegal reporting of my information by creditors or third-party data furnishers. 

I request that you thoroughly investigate this matter and take the appropriate action to resolve these discrepancies promptly.

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

Complaint narrative:
I am writing to formally express concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite 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 has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Dear CFPB Representative, I am writing to express my concerns regarding the recent data breach at the Consumer Financial Protection Bureau ( CFPB ) and how it has directly impacted me. As a consumer who relies on the CFPB to safeguard sensitive financial information, I am deeply distressed by this breach and the potential consequences it has caused. 
The release of my personal data has made me vulnerable to identity theft and financial fraud, which I have already begun to experience. unauthorized transactions, difficulty obtaining credit, or increased anxiety about financial security.These incidents have caused [ emotional distress/financial losses/other specific consequences ], and I have had to take measures such as [ freezing credit reports, enrolling in monitoring services, and filing claims ]. 
I urge the CFPB to take immediate and transparent action to address this breach and protect affected individuals. Providing resources such as free credit monitoring, identity theft protection, and guidance on minimizing risks would be invaluable to those of us affected. Additionally, I request updates on the investigation into the breach and assurance that measures are being implemented to prevent future incidents. 
Thank you for your attention to this matter. I look forward to your prompt response and the actions you will take to assist impacted individuals like me. 
Sincerely, XXXX XXXX ( XXXX ) XXXX

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

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account XXXX : XXXX

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

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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

Complaint narrative:
**Subject : ** Debt Validation Request. To whom it may concern, I am writing to formally dispute the validity of the debt you have reported under the Fair Debt Collection Practices Act ( FDCPA ) and relevant consumer protection laws, including recent updates under the **Regulation F** of the FDCPA. I am requesting full validation and proof of ownership of the alleged account. Please provide the following documentation to substantiate your claim : 1. **Proof of Ownership : ** A copy of the original signed contract or agreement with my signature that establishes my liability for this debt. 2. **Validation of Debt : ** A detailed account statement showing the breakdown of the alleged debt, including the original creditor, principal, interest, fees, and any payments made. 3. **Right to Collect : ** Documentation that confirms your legal authority to collect this debt, including any agreements or assignments between you and the original creditor.

4. **Compliance with Regulation F : ** A full disclosure of information as required under the new rule, including itemization of the debt and my rights under federal law.

Until the requested information is provided, I do not acknowledge ownership of this debt, and I request that any collection efforts, including reporting to credit bureaus, be halted. I demand this account to be deleted from my credit report. Please consider this letter a formal dispute under the FDCPA, and be advised that failure to provide proper validation may result in additional complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. 
Sincerely, XXXX XXXX Social Security XXXX

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

Complaint narrative:
Asked company several times to provide validation of debt owed

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

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXXXXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

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 2025-01-22 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I request a prompt review and removal of these unauthorized inquiries from my credit report. I have attached relevant documentation to assist in resolving this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX  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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FRA ) 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 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 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 Experian '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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX in the amount of XXXX closed account # XXXX also my information had been breached my first time learning of issues I have tried to dispute and can not saying verified when it was not same for capital one auto in amount XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: NEW CITY FUNDING CORP.
State: OH

Complaint narrative:
XXXX XXXXXXXX XXXX XX/XX/XXXX in the amount of XXXX closed account # XXXX also my information had been breached my first time learning of issues I have tried to dispute and can not saying verified when it was not same for XXXX XXXX XXXX in amount XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX # XXXX New City Funding corp XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I submitted disputes about the negative information on my consumer report to this company on numerous occasions and the company did not investigate these disputes properly.

( Experian or the Company ) under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C

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