vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXXXXXX The following items are inaccurate and/or an error. I am demanding these items be deleted as independently the following credit bureaus say the debt has been verified, but that is not possible since there are still inaccurate/omitted/conflicting items. 
XXXX : o The account is charged off which requires the company to send me a XXXX which they have not. 
o XXXX reports the last payment as XX/XX/year>, but XXXX XX/XX/year> and Transunion reports XX/XX/year> o XXXX reports XXXX x 30 days, XXXX x 60 days and XXXX 90 days late, but Transunion reports no lates. XXXX reports XXXX x XXXX, XXXX 60 days, XXXX x 90 days late. 
o Transunion reports the close date of XX/XX/year> but XXXX reports it as XX/XX/year> XXXX : o The account is charged off which requires the company to send me a XXXX which they have not. 
o XXXX reports the last payment as XX/XX/year>, but XXXX XX/XX/year> and Transunion reports XX/XX/year> o XXXX reports XXXX x 30 days, XXXX x 60 days and XXXX 90 days late, but Transunion reports no lates. XXXX reports XXXX x XXXX, XXXX 60 days, XXXX x 90 days late. 
Transunion o The account is charged off which requires the company to send me a XXXX which they have not. 
o XXXX reports the last payment as XX/XX/year>, but XXXX XX/XX/year> and Transunion reports XX/XX/year> o XXXX reports XXXX x 30 days, XXXX x 60 days and XXXX 90 days late, but Transunion reports no lates. XXXX reports XXXX x XXXX, XXXX 60 days, XXXX x 90 days late. 
o Transunion reports no credit limit information o Transunion reports the close date of XX/XX/year> but XXXX reports it as XX/XX/year>

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 2025-01-20 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: MD

Complaint narrative:
XXXX XXXX XXXXXXXX The following items are inaccurate and/or an error. I am demanding these items be deleted as independently the following credit bureaus say the debt has been verified, but that is not possible since there are still inaccurate/omitted/conflicting items. 
Equifax : o The account is charged off which requires the company to send me a XXXX which they have not. 
o XXXX reports the last payment as XX/XX/year>, but Equifax XX/XX/year> and XXXX reports XX/XX/year> o Equifax reports XXXX x 30 days, XXXX x 60 days and XXXX 90 days late, but XXXX reports no lates. XXXX reports XXXX x XXXX, XXXX 60 days, XXXX x 90 days late. 
o XXXX reports the close date of XX/XX/year> but Equifax reports it as XX/XX/year> XXXX : o The account is charged off which requires the company to send me a XXXX which they have not. 
o XXXX reports the last payment as XX/XX/year>, but Equifax XX/XX/year> and XXXX reports XX/XX/year> o Equifax reports XXXX x 30 days, XXXX x 60 days and XXXX 90 days late, but XXXX reports no lates. XXXX reports XXXX x XXXX, XXXX 60 days, XXXX x 90 days late. 
XXXX o The account is charged off which requires the company to send me a XXXX which they have not. 
o XXXX reports the last payment as XX/XX/year>, but Equifax XX/XX/year> and XXXX reports XX/XX/year> o Equifax reports XXXX x 30 days, XXXX x 60 days and XXXX 90 days late, but XXXX reports no lates. XXXX reports XXXX x XXXX, XXXX 60 days, XXXX x 90 days late. 
o XXXX reports no credit limit information o XXXX reports the close date of XX/XX/year> but Equifax reports it as XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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: MD

Complaint narrative:
XXXX XXXX XXXXXXXX The following items are inaccurate and/or an error. I am demanding these items be deleted as independently the following credit bureaus say the debt has been verified, but that is not possible since there are still inaccurate/omitted/conflicting items. 
XXXX : o The account is charged off which requires the company to send me a 1099C which they have not. 
o Experian reports the last payment as XX/XX/year>, but XXXX XX/XX/year> and XXXX reports XX/XX/year> o XXXX reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX reports no lates. Experian reports XXXX x XXXX, XXXX 60 days, XXXX x 90 days late. 
o XXXX reports the close date of XX/XX/year> but XXXX reports it as XX/XX/year> Experian : o The account is charged off which requires the company to send me a XXXX which they have not. 
o Experian reports the last payment as XX/XX/year>, but XXXX XX/XX/year> and XXXX reports XX/XX/year> o XXXX reports XXXX x 30 days, XXXX x 60 days and XXXX 90 days late, but XXXX reports no lates. Experian reports XXXX x XXXX, XXXX 60 days, XXXX x 90 days late. 
XXXX o The account is charged off which requires the company to send me a XXXX which they have not. 
o Experian reports the last payment as XX/XX/year>, but XXXX XX/XX/year> and XXXX reports XX/XX/year> o XXXX reports XXXX x 30 days, XXXX x 60 days and XXXX 90 days late, but XXXX reports no lates. Experian reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late. 
o XXXX reports no credit limit information o XXXX reports the close date of XX/XX/year> but XXXX reports it as XX/XX/year>

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 2025-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: DC

Complaint narrative:
I am writing to formally request validation of the debt that you claim I owe, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. I received your communication regarding this debt on [ date of initial contact ], and I am requesting written verification of the following details : 1. The amount of the debt, including a detailed breakdown of principal, interest, and any fees.

2. The name of the original creditor, along with documentation proving that this debt is valid and belongs to me.

3. Proof that your company is authorized to collect this debt, including a copy of the agreement that grants you the right to collect on behalf of the original creditor or proof of ownership if the debt was sold to your company. 

Please note that I am not refusing to pay but am requesting validation to ensure the accuracy of this debt. Until this validation is provided, I request that you : Cease all collection activities, including phone calls, letters, and reporting to credit bureaus. 
Refrain from sharing inaccurate or unverified information with any credit reporting agencies. 

If you are unable to provide the requested documentation, I request that you immediately remove any references to this debt from my credit report and confirm this in writing. 

Please respond to this request in writing within 30 days. If you fail to validate the debt as required under the FDCPA, I will explore all available remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and my state attorney general, as well as seeking legal recourse if necessary. 

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

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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 electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress For these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX ADJU # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX # XXXX Account Name : 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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: NJ

Complaint narrative:
I mailed in a dispute letter on XX/XX/year> to delete the bankruptcy information that can not be 100 % verified through the original creditor. In this case the original creditor is the United States Bankruptcy Court District of New Jersey. I have proof and a signed document from the United States Bankruptcy Court District of New Jersey, that's states they never sent nor do any business with any of the Credit Bureaus or XXXX. This is a clear violation of the Fair Credit Reporting Act. Due to the fact all information must be 100 % accurate and reported from the original creditor not a XXXX party.

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 2025-01-20 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I mailed in a dispute letter on XX/XX/year> to delete the bankruptcy information that can not be 100 % verified through the original creditor. In this case the original creditor is the United States Bankruptcy Court District of New Jersey. I have proof and a signed document from the United States Bankruptcy Court District of New Jersey, that's states they never sent nor do any business with any of the Credit Bureaus or XXXX. This is a clear violation of the Fair Credit Reporting Act. Due to the fact all information must be 100 % accurate and reported from the original creditor not a 3rd party.

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 2025-01-20 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This account has been charged off and it should be removed from my credit because it is affecting my credit score and credit report credit collection XXXX XXXX XXXX XXXX XXXX XXXX are all charged offs and are still on my credit report and affecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please check the info concerning the Equifax breach. Please see attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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: CA

Complaint narrative:
I am filing a compiaint 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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:
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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
Do not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account.

TT I am filling 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 2025-01-20 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:
The account was open on XX/XX/year> According to the law it is illegal to report transactions history with out consent of the federally protected consumer 15 USC 1681 in accordance to 16 CFR 313

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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am a complaint against Cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account to vulnerable and unprotected. Furthermor their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Fransfer 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 2025-01-20 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: GA

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. 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I've marked as inaccurate or fraudulent : 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 non-monetary relief
Consumer complaint received 2025-01-20 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: GA

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. 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.

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 XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I've marked as inaccurate or fraudulent : 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 2025-01-20 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: AE

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