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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Third Notice to Experian CC : The Federal Trade Commission ; The Consumer Financial Protection Bureau ; Consumer Affairs ; North Carolina State Attorney General Office ; Violations of : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) The unauthorized accounts remain on my credit report, continuing to damage my credit standing and financial reputation, and continue sending stall letters, which is frivolous. 
Fraudulent Account : XXXX XXXX Account # XXXX Balance : {$4200.00} Fraudulent Account :XX/XX/XXXX/ Account # XXXX Balance : {$2500.00} I have found that Experian has failed to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), which mandates that credit reporting agencies ensure the accuracy and integrity of the information they report. I am also concerned about the inadequate procedures your agency has followed regarding the investigation of disputes and the improper reinsertion of erroneous data, which has led to severe financial harm. 
As highlighted in the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian, which was filed for failure to properly address consumer complaints about inaccurate data, your agency 's handling of my disputes appears to violate key provisions of both the FCRA and the Consumer Financial Protection Act ( CFPA ), including failure to properly investigate disputes : Under 15 U.S.C. 1681i ( a ), credit reporting agencies must conduct a reasonable investigation into consumer disputes. The CFPB has alleged that Experian, and likely other agencies, routinely engage in " sham investigations '' by accepting responses from furnishers without proper scrutiny. 
I assert that my dispute has not been thoroughly investigated, and I have received ambiguous or incorrect responses regarding the accuracy of my financial data. The FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) prohibits credit reporting agencies from re-inserting information that was previously removed due to inaccuracies. Experian has failed to implement adequate procedures that prevent the reinsertion of incorrect data, as noted in the CFPB 's allegations regarding Experian. As a result, inaccurate information that I have disputed continues to appear on my credit report, negatively affecting my credit score and financial opportunities.

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: WA

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 processing 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 42.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please check the information concerning the Equifax Data breach

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to you as the holder of account number [ XXXX ] for my credit card of [XX/XX/XXXXXXXX XXXX, to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card, have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Month of reported late payment : [ XX/XX/year>2024 ] I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
**FORMAL DISPUTE - DEMAND FOR REMOVAL OF INACCURATE INFORMATION** Social Security Number : XXXX To Whom It May Concern, This letter serves as a formal demand for the immediate removal of inaccurate, unverifiable, and unauthorized information from my credit report, in strict compliance with federal laws! Under the Fair Credit Reporting Act ( FCRA ) and other pertinent legislation, I have the indisputable right to maintain an accurate credit report and to dispute any entries that lack legitimacy or proper verification XXXX XXXX - FDCPA Section 807 Violation Misleading - Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. 
XXXX XXXX Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. 
As the original creditor, only I can validate this debt. I do not validate this debt. 
Incorrect Name - XXXX XXXX  This personal information is incorrect AND HAS TO BE DELETED FROM MY CREDIT REPORT. 
# # # Legal Basis for Dispute and Unyielding Demands : **1. FCRA Section 605B, 15 U.S.C. 1681c-2 - Block of Information Resulting from Identity Theft** In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), I am formally demanding the immediate blocking of the aforementioned account as it is a direct result of identity theft. 
Enclosed

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: CA

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 ) 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 ( 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 2025-01-21 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: IL

Complaint narrative:
Im writing due to several different translations over the years using Zelle that never was resolved or any money put back into my account by Zelle or my bank! Transactions I know I didnt make!

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: AL

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 ( 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 redres for these violations.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion Fraud Victim Assistance Department XXXX XXXX XXXX  XXXX, PA XXXX XXXX a victim of my personal information being breach with these credit bureaus. Theres inaccurate information in my credit report and need this information to be removed.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX XXXX a victim of my personal information being breach with these credit bureaus. Theres inaccurate information in my credit report and need this information to be removed.

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: Wrong amount charged or received — 
Company: Block, Inc.
State: CA

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 proces 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

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: CA

Complaint narrative:
I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees that I incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transaction settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into all of 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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KS

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. These actions have caused significant inconvenience and financial loss, and I seek to be compensated for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA, XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Debt Validation and Removal of XXXX XXXX XXXX XXXX from My Credit Report Dear Equifax , I am writing to formally dispute the XXXX XXXX XXXX XXXX  account currently listed on my credit report. In the past, I have opened multiple disputes regarding this account, and each time I was informed that the matter had been thoroughly investigated. However, I am now aware that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against XXXX for failing to properly investigate consumer disputes. Given this development, I am compelled to challenge the validity of your prior investigations. 

I have also filed a dispute directly with the CFPB regarding this matter. I am requesting that Equifax validate this alleged debt by providing all original documents, including any agreements or proof of ownership of the debt, as required under the Fair Credit Reporting Act ( FCRA ). The amount on the account is also incorrect, the information states the loan that was taken out from this company was a total of {$900.00} but it shows now on the charge off a total of {$1300.00}. If Equifax can not verify the accuracy and legitimacy of this debt, I demand that the XXXX XXXXXXXX XXXX XXXX account be deleted from my credit report immediately. 

The continued reporting of unverifiable or inaccurate information on my credit report is unacceptable, as it negatively affects my financial standing. I expect Equifax to conduct a fair and thorough investigation into this matter and provide me with written confirmation of your findings and any actions taken to correct my credit report. I have submitted countless reports to XXXX XXXX to try and assist and rectify this situation previously through CFPB ; none of my attempts have been successful. 

Thank you for addressing this matter promptly. I expect a response within the 30-day timeframe mandated by the FCRA. Should you require further information or have any questions, you may contact me directly at XXXX or XXXX. 

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: TX

Complaint narrative:
" I am a victim of a data breach and identity theft. 
Kindly block and delete the account within 4 business days as required by XXXX  XXXX, XXXX XXXX XXXX. Please find the attached FTC reports and other relevant documents.

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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally request the immediate correction of inaccuracies in my credit report due to Experian 's failure to conduct a proper investigation regarding the reporting of late payments by XXXX XXXX XXXX. Despite providing substantial evidence to Experian, as well as XXXX and XXXX, demonstrating XXXX XXXX 's reporting errors, the inaccurate late payment remains on my credit report. 

As a consumer, I relied on Experian to conduct a thorough and fair investigation upon my dispute submission, which included detailed documents substantiating my claim. However, your failure to fulfill this duty has caused significant harm to my creditworthiness and financial standing. This matter has now escalated to the Federal Courthouse due to XXXX XXXX 's reporting errors and your agency 's non-compliance with its investigative obligations. 

I am aware that the Consumer Financial Protection Bureau ( CFPB ) has recently filed a case against Experian for failing to investigate consumer disputes adequately. Given the precedent set by the CFPB 's actions, I am entitled to have my credit report corrected immediately, reflecting the accurate payment history and removing the erroneous late payment entry. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that Experian take the following actions within 30 days of this letter : Conduct a thorough and complete reinvestigation of my dispute with XXXX XXXX XXXX. 

Provide a written response detailing the investigation results and any corrections made. 

Remove the inaccurate late payment notation from my credit report across all reporting bureaus. 

Failure to take appropriate action will leave me no choice but to seek further legal remedies to protect my rights as a consumer. 

I appreciate your prompt attention to this matter and expect a response confirming the resolution of this issue. Please contact me at your earliest convenience should you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2025-01-21 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have sent a number of disputes pertaining to fraudulent and unauthorized accounts on my credit profile. I sent out disputes on dates XX/XX/year>, XX/XX/year>, XX/XX/year> XX/XX/year> and XX/XX/year> without any correction to the fraudulent/inaccurate accounts. The fraudulent accounts that I am referencing consists of the following 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 XXXXXXXX

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am aware that TransUnion has been cited for illegal practices in the handling of credit reporting and consumer disputes, including failure to properly investigate disputes and reporting inaccurate or unverifiable information. I am concerned that my own credit report reflects these same illegal practices, as my disputes have not been resolved in compliance with the Fair Credit Reporting Act ( FCRA ).

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