vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am disputing the collection account with AMEX, account number XXXX, dated XXXX XXXX with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that AMEX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Follow-Up on Complaint # CFPB XXXX Regarding Erroneous Reporting to XXXX and Experian Dear CFPB, I am writing to follow up on a report I submitted to you on XXXX XXXX XXXX, under complaint number CFPB XXXX. The complaint detailed erroneous reporting of an account associated with my social security number ending in XXXX to the credit bureaus XXXX and Experian. I would like to address a serious issue with the investigation process and request further action regarding this matter. 

According to my original complaint, XXXX XXXX is erroneously reporting an account under my name and social security number, even though I have no knowledge of this account and it does not belong to me. After submitting my complaint, I was informed that a verification process was conducted, which confirmed the account as valid. However, this verification appears to be based on an erroneous or fraudulent investigation, as I have no such account. 

In addition, when the CFPB reached out to XXXX XXXX, they responded by stating that the account does not belong to me. If this is indeed the case, I fail to understand why the account is still being reported to both XXXX and Experian under my name. Despite this clarification from XXXX XXXX, the account remains on my credit reports, which is damaging my credit and causing me unnecessary distress. 

I believe the current situation is a result of incorrect or negligent handling of the issue, and I request that the erroneous account be deleted from my credit reports with immediate effect. It is vital that accurate information is reported, and I believe XXXX XXXX has failed in its duty to correct the mistake. 

As a result of this ongoing issue, I am considering pursuing a consumer civil suit against XXXX XXXX for the damage caused to my credit and for failing to remove the fraudulent account after acknowledging the error. 

Please advise me on the next steps I should take in order to resolve this matter. I am seeking a prompt resolution and would appreciate your assistance in ensuring the erroneous reporting is corrected and removed from my credit reports. 

Thank you for your attention to this matter.

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: 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 CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp 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 Electric 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX ; number : 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion 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 Experian, alleging systemic 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 Transunion 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 or amend the disputed accounts, inaction violates federal law and my rights as a consumer.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Upon reviewing my credit report, I found inaccuracies in my personal information that must be corrected. Specifically, I am requesting the removal of inaccurate addresses that do not match my current address. These discrepancies are misleading and detrimental to my credit status, as they may hinder my ability to obtain credit, cause delays in important financial matters, and create unnecessary confusion. Furthermore, these errors contribute to undue stress and XXXX, directly affecting my overall health and economic well-being. Accurate reporting is essential to maintaining my credit life and ensuring that I am not unfairly disadvantaged due to errors beyond my control.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 proces 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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MS

Complaint narrative:
On XX/XX/year> I received a phone call from a person claiming that my daughter was in jail and I needed to send money for her release. I made two separate transactions, through CashApp for {$760.00} and {$320.00} and then realized it was a scam. I tried to reach the company and stop the payment but only got a recording. I followed the steps to report it but received no response. I even requested a refund from the person 's CashApp only for it to be declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit card — Store credit 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: MD

Complaint narrative:
I am filing a complaint regarding unresolved issues with my Citi Best Buy Credit Card related to a purchase I made on XX/XX/XXXX ( Order Number : XXXX ). 

Timeline of Events : 1. Missing Delivery : The order did not arrive despite a FedEx delivery notification. FedEx could not provide proof of delivery, so I contacted Best Buy customer service on XX/XX/XXXX and opened Case ID XXXX. 

2. Refund Approved but Not Processed : On XX/XX/XXXX, Best Buy confirmed my refund via email. My Best Buy account showed the refund credit was applied but listed as " pending. '' Assuming the issue was resolved, I stopped checking my account. 

XXXX. Promotional Purchase and Account Issues : This purchase was part of a promotional 6-month financing plan, as I was a My Best Buy Plus member. However, Citi Best Buy never applied the refund, and my account was marked delinquent. This caused : 4. Damage to my credit score due to missed payment reporting.

Accumulation of additional charges, raising my balance from {$520.00} to {$680.00}. 
Efforts to Resolve : I repeatedly contacted Best Buy customer service, who referred me to Citi Bank customer service. However, Citi Banks automated system would not allow me to speak to a representative without making a payment. Eventually, I bypassed the system and spoke to someone who opened Claim XXXX. 

XXXX. Current Status : As of XX/XX/XXXX, my account is still reported as delinquent, and I continue to receive automated calls from Citi Bank demanding payment. I have also attached a document from Citi Bank, received on XX/XX/XXXX, indicating that my dispute is still under review.

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: 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: NV

Complaint narrative:
This letter directly incorporates the issues identified in the CFPB lawsuit and references your rights under the FCRA to demand compliance and corrections. 

I am writing to formally dispute inaccurate information that remains on my credit report despite previous disputes filed with your agency. The failure to correct or remove this information after my attempts to resolve it is in violation of your obligations under the Fair Credit Reporting Act ( FCRA ), as recently highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against XXXX ( Case No. XXXX ). 

DISPUTE OF INACCURATE INFO ON CREDIT REPORT Specifically : Failure to Conduct Reasonable Reinvestigations : XXXX 's responses to my disputes fail to reflect accurate investigations. For instance, despite submitting detailed supporting documentation, the inaccuracies persist without explanation or meaningful resolution. 
Failure to Forward Relevant Information to Furnishers : XXXX has seemingly failed to forward all relevant information I provided, which mirrors issues cited by the CFPB regarding XXXX 's neglect in transmitting accurate dispute details to furnishers. 
Unclear or Misleading Dispute Outcomes : The results of your reinvestigations are ambiguous and do not provide sufficient details about the updates or lack thereof, leaving me unable to determine the resolution. 
To comply with the FCRA and rectify the inaccuracies on my credit report, l demands the following : A detailed written explanation of the outcome of the reinvestigation, explicitly verifying the disputed information remaining. 
Immediate removal of all inaccurate, incomplete, or unverifiable information from my credit report. The accounts in questions are : 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

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This letter directly incorporates the issues identified in the CFPB lawsuit and references your rights under the FCRA to demand compliance and corrections. 

I am writing to formally dispute inaccurate information that remains on my credit report despite previous disputes filed with your agency. The failure to correct or remove this information after my attempts to resolve it is in violation of your obligations under the Fair Credit Reporting Act ( FCRA ), as recently highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against XXXX ( Case No. XXXX ). 

DISPUTE OF INACCURATE INFO ON CREDIT REPORT Specifically : Failure to Conduct Reasonable Reinvestigations : XXXX 's responses to my disputes fail to reflect accurate investigations. For instance, despite submitting detailed supporting documentation, the inaccuracies persist without explanation or meaningful resolution. 
Failure to Forward Relevant Information to Furnishers : XXXX has seemingly failed to forward all relevant information I provided, which mirrors issues cited by the CFPB regarding XXXX 's neglect in transmitting accurate dispute details to furnishers. 
Unclear or Misleading Dispute Outcomes : The results of your reinvestigations are ambiguous and do not provide sufficient details about the updates or lack thereof, leaving me unable to determine the resolution. 
To comply with the FCRA and rectify the inaccuracies on my credit report, l demands the following : A detailed written explanation of the outcome of the reinvestigation, explicitly verifying the disputed information remaining. 
Immediate removal of all inaccurate, incomplete, or unverifiable information from my credit report. The accounts in questions are : 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

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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re-investigation 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 Experian, alleging systemic 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 Experian 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 or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX, XXXX, Transunion My reports are incorrect. Listing payoff accounts as a negative. My score is low although I pay my bills on time. XXXX has an inquiry starting I applied for a mortgage Im unaware of. The thought when applying for a mortgage there shouldnt be a list of inquiries. Their apps will not let allow you to order your information. Theres no customer service in one company.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX, Equifax, XXXX My reports are incorrect. Listing payoff accounts as a negative. My score is low although I pay my bills on time. XXXX has an inquiry starting I applied for a mortgage Im unaware of. The thought when applying for a mortgage there shouldnt be a list of inquiries. Their apps will not let allow you to order your information. Theres no customer service in one company.

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: Early Warning Services, LLC
State: AL

Complaint narrative:
Im writing to express my concerns regarding Zelles handling in disputes, particularly in the mist of the recent CFPB lawsuit. Regardless of the numerous times of reporting discrepancies, Zelle failed to investigate my claims properly. They informed me that they were not able to recover or track my funds. The CFPB indicated that Zelle has failed consumers. This lack of accountability raises concerns and is unacceptable.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I been trying to get Inaccurate information on my report disputed and I have been getting the proper assistance I titled to

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complete against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions Transunion consistently responds within 24 hours the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I ensure CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I marked as innacurate. 
XXXX  XXXX XXXX - reported 2 latest XXXX XXXX reported 1 late XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX late Remove previous jobs Remove previous addresses Remove phone numbers

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

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 issues 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