vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: WA

Complaint narrative:
I have disputed all the negative/derogatory items that appear on my credit report multiple times over the last 12 months and I have not had those items fixed on my report. I dont believe the proper investigation of each account has been preformed each time I have submitted a dispute. I understand that this is a violation according to the CFPB and I have had many things not fixed as they should have been.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX. 
Dispute Department XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ].

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX XXXX [ Enclosures : Copy of ID, Proof of Address, Supporting Documents ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
IN XXXXXXXX XXXX XXXXXXXX, I MAILED A CERTIFIED LETTER OF DISPUTE TO XXXX XXXX, WHICH WAS DELIVERED XX/XX/XXXX, XXXX OF TODAY XX/XX/XXXX, NO REPLY FROM XXXX XXXX.THIS IS A VIOLTION OF FEDERAL LAWS LIKE THE FDCPA AND THE FCRA. HERE I WILL BE PROVIDING RECIEPT AND PROOF OF DELIVERY. I HAVE DISCUSSED THIS WITH TRANSUNION BUT NO RESPONSE AS WELL. PLEASE DELETE THE FOLLOWING ACCOUNT FROM MY TRANSUNION XXXX XXXX XXXX XXXX ACCOUNT 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 2025-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Carvana Group, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX and a week into having ths car it start too have problems from the brakes, thermostat, powertrain and etc I keap calling and complaining but no results so XXXX I got into the car it almost exploded on me and then stop running I feel this is not far too me that I was sold a lemon

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: NY

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 changes and credits this issue lines with the recent CFPB findings against Navy Federal for similar practices which 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Account XXXX XXXX disputed XX/XX/year>. No updates received.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Account XXXX XXXX disputed XX/XX/year>. No updates received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
I am filing a complaint against Cash App XXXX 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 proce 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 2025-01-24 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: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX  Dispute of Non-Compliance and Non-Investigation under FCRA Dear Equifax and XXXX XXXX, I am writing to formally dispute the handling of my credit report as it relates to an account held by XXXX XXXX. On XX/XX/XXXX, I submitted a dispute regarding inaccuracies on my credit report, which should have prompted a thorough investigation per the Fair Credit Reporting Act ( FCRA ). 

To date, I have not received any correspondence confirming that my dispute was investigated nor have I been provided with the results of any such investigation. This lack of communication and compliance with FCRA regulations is concerning. 

I request that both Equifax and XXXX XXXX conduct a full re-evaluation of the disputed account. I expect a response confirming that my dispute is being investigated, along with relevant updates, within the time frame mandated by the FCRA. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX [ XXXX with XXXX XXXX /Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX 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, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. The accounts that are inaccurate are uploaded to supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
I recently submitted disputes the Experian, however they told me my disputed results was complete. Upon looking at the messages from your Experian specialist it states disputed items not listed on credit report. When I checked my credit report the items are still there! I will insert a screenshot of where it says the specialist said the items I disputed are not on my credit report but yet reflecting. Experian is not doing proper investigation and just trying anything in the XXXX message box. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-24 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: SC

Complaint narrative:
I obtained a copy of my credit report and notice the following unauthorized accounts these accounts are not mine 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: SC

Complaint narrative:
I obtained a copy of my credit report and notice the following unauthorized accounts these accounts are not mine CXXXX 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

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 2025-01-24 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on My Credit Report I am writing to formally dispute inaccurate information on my credit report as provided under my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, which establishes civil liability for negligent noncompliance. 

Upon reviewing my credit report dated XX/XX/year> I identified the following inaccurate item ( XXXX ) : XXXX. Midland Credit Managem Account Number : XXXX Inaccuracy : The account has not been validated nor has the supposed credit grantor/ debt buyer provided me or the credit bureau with proper documentation stating I owe this debt. Debt amount is wrong, supposed debt is Being reported as OPEN violating law 15 usc 1692e ( a ). These inaccuracies have caused me financial harm, denial of credit, increased interest rates, emotional distress, etc. 

XXXX. XXXX XXXX XXXX Account Number : XXXX Inaccuracy : The account has not been validated nor has the supposed credit grantor/ debt buyer provided me or the credit bureau with proper documentation stating I owe this debt. Debt amount is wrong, supposed debt is Being reported as OPEN violating law 15 usc 1692e ( a ). These inaccuracies have caused me financial harm, denial of credit, increased interest rates, emotional distress, etc. 


I have asked XXXX to request documentation and have yet to receive adequate and explanation of investigations. Therefore I request removal immediately. As I have been denied a formal and relevant investigation or explanation. 

Under the FCRA, credit reporting agencies are required to ensure maximum possible accuracy of the information they report. Furthermore, if a CRA negligently fails to comply with its obligations, it may be held liable for any damages sustained, as outlined in 15 U.S.C. 1681o. 

I request that XXXX investigate this matter thoroughly, as required by 15 U.S.C. 1681i, and take the necessary actions to : Correct or remove the inaccurate information, and Provide me with a corrected copy of my credit report. 
Please forward all relevant documentation or communications from the furnisher of the disputed information to verify the accuracy of their reporting. If the disputed information can not be verified, it must be promptly deleted from my report. 

Please respond to this dispute in writing within 30 days of receiving this letter, as required by law. If this matter is not resolved to my satisfaction, I reserve the right to pursue legal action under the FCRA for negligent noncompliance. 

Thank you for your prompt attention to this matter. If you require any additional information, I can be reached at XXXX or at XXXX Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: WA

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 XXXX 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 SS 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may contravene the Consumer Financial Act ( CFPA ), 12 U.S.C SS 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs 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 2025-01-24 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: IL

Complaint narrative:
I was a victim of the Equifax Data Breach and Identity Theft. Many Fraudulent accounts were opened in my name causing harm to my credit and personal life. I have tried to fix this issue with Equifax and Equifax has done nothing. please help me delete all of the illegal accounts in my name listed below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Subject : Credit Dispute Identity Theft ( Equifax XXXX XXXX ) and FCRA Violations Dear Equifax Dispute Department, I am writing to formally dispute inaccurate and fraudulent items on my credit report resulting from identity theft. Due to the Equifax data breach, my personal information was compromised, and as a result, unauthorized accounts and inquiries have appeared on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute these inaccurate records and demand their immediate removal. 
The following fraudulent items must be investigated and deleted from my credit report : 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  {$4400.00} As per the FCRA ( 15 U.S.C. 1681c-2 ), I am requesting : The immediate blocking of fraudulent information related to identity theft. 
A reinvestigation of the listed accounts and inquiries. 
A written confirmation of the removal of these accounts from my credit file. 
An updated copy of my credit report reflecting these changes. 
Enclosed are copies of the following documents to support my dispute : A copy of my government-issued ID. 
A copy of the police report/FTC Identity Theft Report. 
Please consider this letter a formal request for compliance under the FCRA. If these inaccuracies are not addressed within 30 days, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and take legal action as necessary. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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 2025-01-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
I discovered a derogatory mark on my credit report associated with Hunter Warfield , Inc., for an amount of {$14000.00}. When I attempted to call them, they couldnt find my correct information in their records. I initiated disputes with all three credit bureaus, but none provided any assistance. When I requested verification of the debt, they were unable to confirm it was mine, yet the mark remains on my credit report, causing me significant frustration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is information that is not mine on my 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 2025-01-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence

Company response to consumer: Closed with explanation