vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: SC

Complaint narrative:
There were several attempts to use my cash app card for XXXX and I was overcharged for a transactions once they fix the problem the first time it happened again the next week, and I had to order a new card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to dispute inaccurate information on my credit report as provided under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX, which ensures compliance and accountability for inaccurate or incomplete reporting. 

I request that the inaccuracies be investigated promptly and corrected, and that an updated copy of my credit report be sent to me. Additionally, please notify anyone who has received my credit report in the last six months of these changes, as required by law. 

For your review, I have attached the following documents : Supporting evidence ( e.g., payment records, correspondence with creditors, or any relevant documentation ). 

A copy of my government-issued identification. 

A utility bill or other document confirming my address. 


Please note that failure to investigate and correct these errors may result in legal action for negligent noncompliance, as provided under XXXX XXXX. XXXX. 

I look forward to your prompt response. Please contact me in writing at the address above if you require any additional information.

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 2025-01-23 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:
My personal information was stolen and i been trying to get accounts off my reports i dont recognize and no luck

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 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I filed a dispute with Experian Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting house, Experian violates my rights as a consumer, as well as federal laws. I would like all my reported accounts to be removed corrected immediately! 
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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 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/year>, I applied for a XXXXcured Discover Credit Card after reading the pre-approval process and instructions stated they use XXXX. After submitting application, results returned Denied. I called their Customer Service # XXXX and a representative advised that I was denied due to 1. # of credit inquiries and 2. Too many installments and my credit report was pulled from XXXX and not XXXX. After review of all 3 credit reports, XXXX shows the lowest XXXX XXXX, outdated charge off information and inaccurate information at which I have made several attempts to dispute this information but with no success. XXXX and XXXX are the only two that appears to show the most accurate and update to information with my XXXX reflecting the fact that my credit score has improved a great deal due to my strong financial responsibility that I have shown. My XXXX report also shows a long list of inquiries recently that I do not recognize as well. Due to my XXXX credit report and inaccuracies, this has allowed Discover Secured Credit to take adverse action and deny me a SECURED credit card at which I was ready to put {$500.00} to secure the credit card that stated no Credit Check. DISCOVER Secured Credit card approval process is also a scam and/or misleading information with their application process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred, despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credit. 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 2025-01-23 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: 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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: United PanAm Financial Corp.
State: FL

Complaint narrative:
Account Details : Creditor Name : XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Original Balance : {$12000.00} Current Balance : {$4500.00} ( as of XX/XX/XXXX ) Date Opened : XX/XX/XXXX Status : Charged off / Never Late/ {$10000.00} written off / {$4500.00} past due Dispute Issues : Contradictory Status Reporting The account is marked as Charged Off/Never Late. This is contradictory, as an account can not be charged off while being reported as never late. Charged-off accounts should also reflect a {$0.00} past due balance per XXXX XXXX compliance guidelines. 
Inaccurate XXXX XXXX The account lists a past-due balance of {$4500.00} despite being reported as charged off. Per industry standards, charged-off accounts must not show past-due balances, and the reporting in this case is misleading and non-compliant. 
XXXX XXXX Calculation The balance remaining after the auction is questionable. I request a breakdown of how the deficiency was calculated, including the auction price, repossession fees, and any other charges applied. Without this breakdown, the accuracy of the balance can not be verified. 
Auction Compliance Was the vehicle sold in a commercially reasonable manner as required by law? I request proof of the auction details, including the final sale price, date, and efforts to achieve a fair market value. 
Notification Requirements I did not receive proper notice of the repossession or auction, which may violate my rights under federal and state laws. Please provide copies of all notices sent prior to the repossession and sale. 
XXXX XXXX XXXX XXXX I request verification and correction of the following XXXX XXXX data fields to ensure compliance : Account Status : Is the account being accurately reported as charged off, with no past-due balance? 
Date of XXXX XXXX ( XXXX ) : Verify that this date is correct and accurately reported. 
Payment Rating : Is the current rating compliant with XXXX XXXX standards?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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:
Account Details : Creditor Name : XXXX XXXX XXXX Account XXXX : XXXX Original Balance : {$12000.00} Current Balance : {$4500.00} ( as of XX/XX/XXXX ) Date Opened : XX/XX/XXXX Status : Charged off / Never Late/ {$10000.00} written off / {$4500.00} past due Dispute Issues : Contradictory Status Reporting The account is marked as Charged Off/Never Late. This is contradictory, as an account can not be charged off while being reported as never late. Charged-off accounts should also reflect a {$0.00} past due balance per Metro 2 compliance guidelines. 
Inaccurate Past-Due Balance The account lists a past-due balance of {$4500.00} despite being reported as charged off. Per industry standards, charged-off accounts must not show past-due balances, and the reporting in this case is misleading and non-compliant. 
Deficiency Balance Calculation The balance remaining after the auction is questionable. I request a breakdown of how the deficiency was calculated, including the auction price, repossession fees, and any other charges applied. Without this breakdown, the accuracy of the balance can not be verified. 
Auction Compliance Was the vehicle sold in a commercially reasonable manner as required by law? I request proof of the auction details, including the final sale price, date, and efforts to achieve a fair market value. 
Notification Requirements I did not receive proper notice of the repossession or auction, which may violate my rights under federal and state laws. Please provide copies of all notices sent prior to the repossession and sale.

Metro 2 Data Integrity I request verification and correction of the following Metro 2 data fields to ensure compliance : Account Status : Is the account being accurately reported as charged off, with no past-due balance? 
Date of XXXX XXXX ( XXXX ) : Verify that this date is correct and accurately reported. 
Payment Rating : Is the current rating compliant with XXXX XXXX standards?

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 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-01-23 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( XXXX XXXX XXXX ( XXXX ) ). Pursuant to XXXX XXXX XXXX, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXXXXXX XXXX  Account # : XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have the right to privacy. Furthermore, under XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Section XXXX, a consumer reporting agency can not furnish an account without my written instructions. Also, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, no person shall 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. Additionally, according to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( XXXX XXXX XXXX ( XXXX ) ). Pursuant to XXXX XXXX XXXX, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXX XXXX  Account # : XXXXXXXX XXXX  Account # : XXXXXXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. Furthermore, under XXXX XXXX XXXX, Section XXXXXXXX XXXX XXXX XXXX Section XXXX, a consumer reporting agency can not furnish an account without my written instructions. Also, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) states that no consumer reporting agency XXXX include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX no person shall 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. Additionally, according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: FL

Complaint narrative:
My personal information was stolen and i been trying to get accounts off my reports i dont recognize and no luck

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My personal information was stolen and i been trying to get accounts off my reports i dont recognize and no luck

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's 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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX 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 XXXX, alleging, systematic 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 XXXX 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 the disputed accounts as XXXX inaction violates federal law and my rights as a consumer. Equifax and XXXX consistently responds stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX ) against them for similar violations. 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: MI

Complaint narrative:
Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me, to ensure accuracy, Here is the item I am asking you to verify as accurate XXXX account XXXXXXXX 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