vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I was a victim of multiple data breaches. A lot of items on my credit report are inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: MA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: OH

Complaint narrative:
i am filings a complaint against Equifax for failing to properly investigate my disputes regarding the inaccuracies in my credit reports. Despite my submissions, Equifax continues to respond within 24hrs stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C & 1681i which mandates a reasonal investigation of disputes. Also Equifax '' s actions may also contrvene the Consumer Financial Protection Act ( CFPA ) ,12 U.S.C & 5536 ( a ) ( 1 ) ( A ) - ( B ), AS highlighted in the CFPB 's recent administrative proceeding the filing against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides comsumers with the necessary proof of investigation These are the accounts : XXXX ( XXXX ) XXXXXX/XX/XXXX( XXXX ) XXXX XXXX ( XXXX ) ( xxxxx ) ( XXXX ( xxxxx ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX ( XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Have paid off balance twice but this company keeps coming back with additional fees plus the account is being report incorrectly. account was finally charged off with a past do balance and the company wrote it of ton there taxes and still tryin to collect. this is fraud

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
This account was fraud it was approved to be removed they removed it by the documents I submitted no debt validation was sent to me, they put it back on my credit 2 weeks later 15 U.S code & 1681 they are being sued for refusing movable items right back on your credit after they verified it and removed it

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 2025-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I processed disputes online requesting copies of the contracts of the collection items that were sold to agencies on my credit report. On all disputes I got a response back in 48 hours confirming that the collections were mine and no evidence. They did not take the time to properly investigate and provide me with proof to contact agencies to dispute.

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
In XXXX of 2024 I attempted to Zelle a friend {$4000.00}. I accidentally sent to the wrong person. Within mins I contacted my bank XXXX to stop the transfer but was informed that it would need to go into investigation and they would get back to me with 3-5 days. This would never have happened if I got a prompt to confirm the transfer or to confirm the recipient. XXXX was never able to recover my funds nor was I. I feel like this loss could have easily been avoided had I been prompt to verify the recipient or the amount, something to make me take a second glance. Due to XXXX not having something like this in place Im out of {$4000.00}. I see now that XXXX Zelle has the check here box to confirm recipient. Clearly this was a big miss on their part. How can I get refunded for my funds?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: NV

Complaint narrative:
My name is XXXX XXXX I am formally disputing inaccurate information on my credit report in accordance with 15 U.S.C. 1681i. I did not authorize the reporting or release of my personal information to the companys listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name.

Furthermore there are unauthorized inquiries on my credit report that I did not initiate. Which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8. I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report.

Please address this matter promptly and confirm the removal of the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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 ) Due to inadequate customer service and unfair practices, which violate the Consumers Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to ensure prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WV

Complaint narrative:
My card has been charged XXXX $ for the past 1 1/2 years. And now all of the sudden it is being charged XXXX fromXX/XX/XXXXand my card has never been linked to XX/XX/XXXX. I dont have my card anymore i tore it up when the charges started. Ive contacted cash app multiple times and they havent been helpful at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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 49 financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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 : XX/XX/XXXX XXXX BALANCED {$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 non-monetary relief
Consumer complaint received 2025-01-30 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: IL

Complaint narrative:
I did authorize these companies to run my credit, these were fraudulent. 

XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX , XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2025-01-30 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation 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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
Tried the entire XXXX - XXXX tp contact via phone regarding missing money, account hacked, and no one available to speak wirh to help resolve any and all issues I previously had. Account was locked. Unsble to get my funds. Funds were missing. Being charged unnecessary fees for no services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
I am Listing 2 inquiries fraudulent from my Transunion credit report. XXXX XXXX2025 and XX/XX/XXXXXX/XX/XXXX.2025. the listed inquiries do not belong to me and must be removed from my transunion credit report. I had a call with the company and the credit reporting agency and was advised to fill identity theft report for deletion. i am requesting transunion to mark listed inquiries as a fraudulent and remove from my credit 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 non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
For all of the complaints I filed on this site, Equifax repeatedly claims to be looking into my disputes, but weeks later I only receive the attached letter which says they are NOT looking into my disputes! Hence the reason this bureau has been sued. They do everything they can to NOT follow the FCRA laws and to LIE to the CFPB who is very slow to catch on to their games. The CFPB did not sue you for enough, the number should have been billions not millions, because you have no intents on resolving or investigating any of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information Under the FCRA Dear XXXX, I am writing to dispute inaccurate information that appears on my credit report. The information being reported is incorrect, and its continued inclusion violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. 

Disputed Account Details : Creditor Name : LVNV FUNDING LLC Account Number : XXXX Amount : {$920.00} Status : Collection Specific Errors & FCRA Violations : 1. Inaccurate Payment History Reporting : My credit report shows this account with continuous C ( Collection ) marks for multiple months, even after XX/XX/XXXX2022, when the status was last updated. If this account was placed in collections in 2022, it is incorrect to continue marking it as a new collection each month. This violates FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), which prohibits furnishers from reporting information that they know or should know is inaccurate.

2. Failure to Provide Proper Verification : Under FCRA 15 U.S.C. 1681i ( a ) ( 1 ), I have the right to request verification of this debt. If the reporting agency can not provide sufficient documentation proving the accuracy of this information, it must be deleted from my credit file.

3. Re-aging of the Debt : It appears that this account is being re-aged by continuously reporting as a fresh derogatory item each month. FCRA 15 U.S.C. 1681c ( a ) ( 4 ) states that derogatory accounts can not be reported for more than seven years from the date of first delinquency. If the account was initially delinquent in XXXX, it should not appear as an active collection beyond its allowed reporting period. 

Requested Resolution : I formally request that XXXX conduct an immediate investigation into this matter and provide me with documentation verifying the accuracy of the reported details. If the information can not be verified, I demand that this account be corrected or deleted in compliance with the FCRA. 

Please complete this investigation within the legally required 30-day period and send me a written confirmation of the outcome. Additionally, if any corrections are made, please provide me with an updated credit report reflecting these changes. 

Enclosed, you will find copies of supporting documents, including my identification and relevant records regarding this account. Please consider this my formal request for compliance with federal law. 

Thank you for your prompt attention to this matter. I expect a response confirming the completion of the investigation within the FCRA-mandated timeframe. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: MoneyLion Inc.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
Cash app continues to allow unauthorized accounts to attempt to withdraw money. I have called on several occasions. And when money is airbag that was unauthorized I am not able to use the money that I know that I should have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

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 2025-01-30 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 am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: NE

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