vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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:
**Subject : Formal Dispute and Demand for Transparency of Investigation.

I am writing to formally dispute the accuracy of information reported by XXXX XXXX XXXX, XXXX XXXX, and XXXX on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I have identified discrepancies in the information furnished by these entities and request a thorough and transparent investigation into their reporting practices.

Pursuant to **15 U.S.C. 1681i ( a ) ( 1 ) ( A ) **, I am entitled to a reasonable reinvestigation of any disputed information, and I request that you provide the methods, procedures, and findings of your investigation in accordance with **15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) **. Additionally, I demand the following : 1. **Verification of Information : ** Provide documentation proving that National Credit Adjusters XXXX XXXX XXXX  XXXX and XXXX have properly validated the debts in compliance with **15 U.S.C. 1692g ( b ) ** under the Fair Debt Collection Practices Act ( FDCPA ).

2. **Transparency in Investigation : ** Under **15 U.S.C. 1681i ( a ) ( 2 ) **, I request detailed disclosure of how the information was verified, including the sources of verification, investigation procedures followed, and any supporting documentation used to verify the accuracy of the reported information.

3. **Deletion of Inaccurate Information : ** Should your investigation reveal that the disputed accounts can not be verified with reliable documentation, I request their immediate deletion from my credit report in accordance with **15 U.S.C. 1681i ( a ) ( 5 ) ( A ) **.

4. **Compliance with Metro 2 Guidelines : ** Ensure that all furnished data adheres to the Consumer Data Industry Associations ( CDIA ) Metro 2 format standards for reporting accuracy and compliance. 
If these entities are unable to provide verifiable and legally substantiated proof of the debts reported, I expect the disputed accounts to be removed promptly to comply with federal regulations. Please provide a detailed written response within the 30-day timeframe prescribed under **15 U.S.C. 1681i ( a ) ( 1 ) **.

Failure to comply with these federal requirements may result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 
Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation and a resolution in compliance with federal law. 
Sincerely, XXXX XXXX Social Security 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 non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

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 u fair and deceptive, as they didnot comply with error tesolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and finicial loss abd i seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: GA

Complaint narrative:
While reviewing my credit report I noticed unauthorized or inaccurate, and I would like them removed immediately Inquiry from XXXX XXXX on XX/XX/2024 I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 



By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your assistance in this matter XXXX XXXX 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 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Cease and desist. I demand that you immediately cease and desist from texting, calling, emailing and harassing my family members. Also REMOVE ANY ACCOUNTS that don't have VALIDATION IN ITS ENTIRETY INCLUDING YOUR PROCRSS. Your actions are unlawful and have caused, and continue to cause, harm to me. 

I have a voice message left on my relative phone where someone disclose inaccurate information concerning me. 
Your actions constitute a violation of privacy rights. If this unlawful behavior does not stop immediately, I will be forced to take legal action to protect my rights, including but not limited to seeking monetary damages, injunctive relief, and attorney 's fees. 
I hereby demand. No Waiver of Rights This letter does not constitute a waiver of any rights, remedies, or defenses that I may have in this matter, all of which are expressly reserved.

Failure to comply with this demand may result in legal action being initiated against you without further notice.

Please be advised that this letter is not intended to be a complete or exhaustive statement of the facts or applicable law and is provided without prejudice to my rights and remedies, all of which are expressly reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mercury Financial Intermediate LLC
State: NE

Complaint narrative:
Mercury Card Services has called repeatedly every day for months. They call 3-4 times per day while I am at work and do not leave a message or a call back number. I thought the debt was set up on auto-pay but it wasnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute with XXXX and Equifax for account # beginning XXXX XXXX ( 2017 closed ), and account # beginning XXXX XXXX XXXX XXXX, several times Per 18 USC 1028, 15 USC 6802, and CFPB protections recent lawsuit against the two bureaus. Stating i believe my information has been falsely retained and my previous disputes were mishandled. Both XXXX and Equifax denied to follow up with the investigation. In light of the recent lawsuit, which alleges that the companies accepted unreliable information and failed to notify consumer dispute reports. This aligns well with my situation. XXXX has not attempted to remove, nor correct any information regarding these accounts. Im requesting that this derogatory remark be removed and corrected immediately as it is affecting my chances of renting a new home and refinancing my vehicle under false pretenses. Both XXXX and Equifax violated my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: IL

Complaint narrative:
I have student loans around XXXX dollars which should be removed/ forgiven based off the studentaid.gov website. This loan was consolidated with previous XXXX loans which the previous loans were forgiving. However this balance was not forgiven and should have been when I consolidated all my Loans into one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: MI

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 2025-01-25 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: KY

Complaint narrative:
Im writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred despite having significant funds with transactions were authorized. I was charge fees due to leg post of charges and credits. This issue aligns with the recent CFBPB 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 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 2025-01-25 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 XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name 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 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 non-monetary relief
Consumer complaint received 2025-01-25 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:
I am filing this complaint against Experian for their refusal to properly investigate and reinvestigate my dispute regarding inaccuracies related to an auto loan account reported by XXXX XXXX XXXX XXXX with the account number ending in XXXX. 

The following are the specific concerns : # # # XXXX. Account Details and Discrepancies** - **Account Name : ** XXXX XXXX XXXX XXXX  - XXXX Type : ** Auto Loan - **Terms : ** 36 Months - **Date Opened : ** XX/XX/XXXX - **Status : ** Repossession as of XX/XX/XXXX ( with prior delinquencies in XX/XX/XXXX and XX/XX/XXXX ) and " 30 days past due '' as of XX/XX/XXXX. 
- **Resolution Status : ** Experian indicates that the account is ** '' Paid, Closed '' **, yet it also lists repossession and delinquencies inconsistently without a clear record of resolution. 

# # # XXXX. Failure to Investigate and Reinvestigate** - I disputed this account with Experian due to multiple inaccuracies in its reporting, specifically related to : - Inconsistent reporting of repossession dates.

- Inaccurate payment history and delinquency information. 
- Lack of clarity on whether the account was fully resolved or closed in good standing. 
- Despite my dispute, Experian updated the account in XXXX XXXX without adequately addressing the inaccuracies or providing sufficient evidence to support the information on record. 

# # # XXXX. Incomplete Reinvestigation** - Experian failed to comply with the Fair Credit Reporting Act ( FCRA ) by not conducting a thorough and reasonable reinvestigation. 
- My dispute explicitly detailed these discrepancies, yet Experians response simply stated that the item was updated without any resolution to my concerns or verification of the informations accuracy. 

The inaccurate reporting of this account, particularly the repossession and delinquency status, has caused significant harm to my credit profile. These inaccuracies have negatively affected my creditworthiness, making it more difficult to obtain loans, housing, or favorable interest rates. 

I request the following actions to resolve this issue : 1. A complete and thorough reinvestigation of my dispute regarding the XXXX XXXX XXXX XXXX  account, including verification of payment history, delinquency reporting, and repossession status. 
2. Correction or removal of this account from my credit report if XXXX XXXX XXXX XXXX can not verify the accuracy of the information. 
3. Assurance that Experian complies with the FCRAs requirements for investigating and addressing consumer disputes in the future.

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 2025-01-25 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: OH

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 S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) 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. 
Accounts that need removed due to inaccurate information is below XXXX XXXX amount {$730.00} XXXX XXXX- amount {$5900.00} XXXX XXXX amount {$1800.00} XXXX XXXX {$3800.00} XXXX XXXX ( three listed that I am authorized user on not owner but it is reporting late on my credit files XXXX- I was authorized user not owner but late payments are effecting my credit file negativity

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 2025-01-25 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: OH

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, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) 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. 
Accounts that need removed due to inaccurate information is below XXXX XXXX amount {$730.00} LXXXX XXXX amount {$5900.00} XXXX XXXX amount {$1800.00} XXXX XXXX {$3800.00} XXXX XXXX ( three listed that I am authorized user on not owner but it is reporting late on my credit files Biglots- I was authorized user not owner but late payments are effecting my credit file negativity

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 2025-01-25 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: AR

Complaint narrative:
I am seeking your assistance in investigating accounts from these companies that are inaccurately reporting late payments. After reviewing my credit report, I noticed certain accounts showing late payments, which is incorrect. These accounts should not have any late payment remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: MS

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide me with the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX Account XXXX XXXX, Account name : XXXX XXXX XXXX Account XXXX XXXX, Account name : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A. States I have the right to privacy.

and according to 15 USC 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall followreasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C1681c. ( a ) ( 5 ) Section Sates : 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 7 years.

15 U.S.C 1681s. ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 explanation
Consumer complaint received 2025-01-25 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: WI

Complaint narrative:
I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous 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 user 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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
XXXX XXXX I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous 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 user 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 2025-01-25 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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