vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXXF XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dispute of Reinserted Accounts Request for Immediate Removal I am writing to formally dispute the unauthorized reinsertion of accounts on my credit report. On XX/XX/XXXX XXXX XXXX  the following accounts were successfully deleted from my credit file : XXXX XXXX XXXX XXXXXXXX XXXX XXXX However, on XX/XX/5, these accounts were improperly reinserted without proper notification, in violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ). As per the FCRA, if a previously deleted account is reinserted, the credit bureau is required to provide written notice within five business days, along with certification from the data furnisher verifying the accuracy of the information. I have not received any such notification or certification. 

Since these accounts were already removed after an initial investigation, I am requesting their immediate deletion from my credit report. Please provide a written response confirming the removal of these accounts and ensure compliance with federal regulations. 

Enclosed are copies of my previous dispute results indicating the deletions, along with a copy of my identification for verification purposes. I expect a response within the legally required timeframe of 30 days. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dispute of Reinserted Accounts Request for Immediate Removal I am writing to formally dispute the unauthorized reinsertion of accounts on my credit report. On XX/XX/year>, the following accounts were successfully deleted from my credit file : XXXX XXXX XXXX XXXX XXXXXXXX XXXX However, on XX/XX/year>, these accounts were improperly reinserted without proper notification, in violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ). As per the FCRA, if a previously deleted account is reinserted, the credit bureau is required to provide written notice within five business days, along with certification from the data furnisher verifying the accuracy of the information. I have not received any such notification or certification.

Since these accounts were already removed after an initial investigation, I am requesting their immediate deletion from my credit report. Please provide a written response confirming the removal of these accounts and ensure compliance with federal regulations. 

Enclosed are copies of my previous dispute results indicating the deletions, along with a copy of my identification for verification purposes. I expect a response within the legally required timeframe of 30 days. 

Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: 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 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 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX XX/XX/year> LVNV FUNDING LLC CARE OF RESURGENT CAPITAL SERVICES L.P XXXX XXXX XXXX XXXX SC XXXX Subject : Request for Validation of Debt Dear LVNV FUNDING LLC/ CARE OF RESURGENT CAPITAL SERVICES L.P , I am writing to request validation of the debt referenced in your correspondence dated XX/XX/scrub>XXXX 
Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. 
Please provide me with the following information : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A copy of the original contract or agreement that created the debt. 
4. Any judgment details, if applicable.

5. A detailed account of the charges that led to the current balance.

Until you provide this information, I request that you cease all collection activities related to this debt. Additionally, please ensure that any negative reporting to credit bureaus is paused until this matter is resolved.

I appreciate your prompt attention to this request. Please send your response to my address listed above within 30 days of receiving this letter. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX

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

Complaint narrative:
To Whom It May Concern, FILE # XXXX I am writing to formally dispute the inaccurate information on my TransUnion credit report and to demand immediate compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681.

1. Address Correction You have failed to update my address correctly despite my prior requests. My correct address is as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX I demand that you update my credit file immediately with the correct information and remove any outdated or incorrect addresses that are no longer valid. Failure to do so constitutes a violation of my consumer rights under the FCRA. 

2. Dispute of Negative Accounts & Failure to Properly Investigate Additionally, I am disputing the following negative accounts on my credit report as they are inaccurate and unverifiable : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Despite previous disputes, TransUnion has failed to conduct a reasonable reinvestigation as required under 15 U.S. Code 1681i. If you can not verify these accounts with proper documentation, they must be deleted from my report immediately. Your failure to comply with this law is an ongoing violation of federal regulations. 

You have also stated that my idenity theft dates dont match to the negative tradeline, how could this possibly be true? You are not investigating properly and breaking federal alw under FCRA.The dates are 100 % vaild to these negative fraudelent tradeline. In fact, the distrubter has no dates to match this tradeline but I have provided that aswell! All attachments are belowXXXX is in violation of FCRA 15 U.S. Code 1692e and 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) & ( B ). XXXX XXXX has a 90 day late payment in 1 month after they claim I paid the month before, how is this accurate? Its not, If a creditor claims a debt is forgiven or canceled but does not issue a 1099-C, they may be misrepresenting the status of the debt under 15 U.S.C. 1692e of the Fair Debt Collection Practices Act ( FDCPA ). Never received anything from XXXX, another violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I am writing to dispute certain entries on my credit report, which I believe are inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. In light of the recent legal action against your agencies, I respectfully request that the following item ( s ) be permanently removed from my credit report as they fail to comply with FCRA guidelines and have been identified as a part of your organizations violations in recent lawsuits.

Specifically, the disputed information violates several provisions of the FCRA, including : 15 U.S.C. 1681i ( a ) ( 1 ) Duty of agencies to investigate disputes According to this provision, upon notification of a dispute, you are required to investigate the dispute within 30 days, and if an item is found to be inaccurate, it must be corrected or deleted. As outlined in the recent lawsuit, your failure to comply with these requirements has resulted in the persistence of inaccurate information on consumer reports. 

15 U.S.C. 1681e ( b ) Accuracy of information This provision mandates that consumer reporting agencies must ensure that the information they report is accurate. The disputed information on my credit report does not meet this standard and must be permanently removed, as your failure to correct these errors has been highlighted in the legal action filed against your organization. 

The following account ( s ) are in dispute : XXXX XXXX XXXX Opened XX/XX/ amount of {$2500.00} XXXX XXXX Opened XXXX XXXX amount of {$760.00} Given that the information reported is inaccurate and non-compliant with FCRA regulations, and in light of the ongoing litigation concerning these practices, I respectfully request that these items be permanently removed from my credit file. 

Furthermore, as mandated by 15 U.S.C. 1681i ( a ) ( 6 ), I request that you provide written confirmation of your decision, including the results of your investigation. If you determine that the disputed information is not inaccurate, I expect a detailed explanation and evidence supporting your conclusion, as required under the FCRA. 

Please be advised that under 15 U.S.C. 1681s-2 ( b ), you are also obligated to notify the entity that reported the inaccurate information once a dispute has been resolved. I expect that the removal of these items will be communicated directly to all relevant parties. 

In light of the violations outlined in the lawsuit against XXXX and Equifax, I trust that this matter will be handled promptly, and I request the permanent removal of the items from my credit report in accordance with the law. 

Please confirm receipt of this letter and the actions you will take regarding this dispute within the timeframe required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

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

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: 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 unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

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

Complaint narrative:
Previous Complaint Number : XXXX I originally filed a complaint on XX/XX/year>, regarding an account that was inaccurately reported on my credit file. Despite disputing the account multiple times, the furnisher XXXX XXXX XXXX failed to mark the account as disputed and refusing to and violating its legal obligations. Since the company refused to correct the issue, I turned to Equifax to conduct a proper reinvestigation. 

Equifax closed my previous complaint, falsely stating that the account was updated to a XXXX balance. However, this was not true. Equifax misrepresented the outcome of its investigation and failed to ensure accurate reporting, violating 15 U.S.C. 1681i and 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ).

Now, nearly two months later, the account is still reporting inaccurate information, harming my credit, and the furnisher is still refusing to mark it as disputedeven though the account is currently in litigation. Equifax has failed in its duty to conduct a reasonable reinvestigation and continues to allow false data to damage my creditworthiness. 

I am requesting that Equifax be held accountable for failing to comply with its obligations under the FCRA. I also request that the CFPB take appropriate action to ensure that Equifax and the furnisher properly investigate and correct this inaccurate reporting.

Expected Resolution : 1. A full reinvestigation by Equifax to ensure accuracy.

2. The account must be marked as disputed immediately.

3. Enforcement action against Equifax for failing to comply with FCRA requirements. 

I appreciate the CFPBs attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, wi XXXX XXXX XXXXXXXX XXXXXX/XX/year> I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 

Reinserting previously disputed and inaccurate information without explanation. 

Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to 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 tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed to repeat offenders to exploit the system leaving users vulnerable to scams this las o of accountability and transparency is unacceptable and raises concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: OK

Complaint narrative:
Customer with cash app someone had hacked my account and the money that I had in my account they purchase XXXX with it I've never signed up for XXXX before in order for you to use XXXX on cash app you have to verify yourself and everything and I've never verified myself and I did not understand how was it able to purchase XXXX with my funds that I had on my account well whenever my account had got hacked I reached out to cash out wasn't able to get a hold to anyone I had to talk to a robot and the next day someone called me back about my issue and I provided with them every information that I had on my end as far as it's showing whenever someone had hacked my account they took my phone number off of my cash app they changed the phone number on my cash app they changed the name on my cash app and put a new email on my cash app as well as locked me out of it I asked for a refund for my money 's back funds back from cash app and they denied me the funds back but they did gain access back to my account from the hackers and I had to change the email that I had had for the longest connected to my cash app to a whole another email and I also had to change my name and shorten it from the original name of my cash out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Filed a dispute on a charge. I then cancelled the dispute as it appeared the issue was resolved with the merchant. Employee said if I cancel the dispute, I can not reopen it again. I told him my issues and that I only want to proceed IF I can open the dispute up again IF my issue does not get resolved with the merchant. The employee agreed and said that he would include that info in the notes. I later tried to reopen the dispute and was told that I cant. I explained the agreement that the employee made with me and reminded them that there would be a recording. They advised they would look into it. I called back and again inquired and was told the same thing. I spoke to a supervisor who said said that a recording does exist and that she would request that it be looked at again. I then received a letter saying that it is absolutely impossible to reopen a dispute after cancelling it. That is simply their policy. Their employee made a deal with me and the XXXX company is not honoring it because they have waited so long, that the merchant now no longer exists.

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 monetary relief