vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
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 XXXXXX/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 2025-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To : TransUnion via Consumer Financial Protection Bureau ( CFPB ) Portal Subject : Formal Dispute Request for Removal of Inaccurate Credit Reporting by TransUnion Furnisher : XXXX XXXX  Account Number : XXXX Dear TransUnion, I am filing this dispute through the Consumer Financial Protection Bureau ( CFPB ) to address inaccuracies in the reporting of my XXXX XXXX  account. Upon reviewing my credit report, I identified errors in how this account is being reported, which violate the Fair Credit Reporting Act ( FCRA ).

Issues Identified 1. Late Payments Reported After Charge-Off ( FCRA Section 623 ( a ) ( 5 ) ) : My XXXX XXXX  account is reported as charged off ; however, TransUnion continues to report late payments for XXXX and XXXX. This is inaccurate because once an account is charged off, additional monthly delinquencies should not be reported. This practice creates a misleading portrayal of my creditworthiness. 
2. Inaccurate Reporting of Credit Utilization ( FCRA Section 611 ( a ) ) : The account is listed as Closed but is still being reported with a utilization rate of 123 % of my credit limit. Reporting a balance as a percentage of the credit limit for a closed account is inconsistent and misleading, as no further revolving utilization should apply.

Actions Requested In accordance with the Fair Credit Reporting Act, I am requesting the following actions : 1. Investigate and verify the accuracy of all information reported by XXXX XXXX  on this account.

2. Remove late payments that were inaccurately added after the charge-off date.

3. Correct or remove the account entirely if it can not be verified as accurate, complete, and compliant with the FCRA. 

If XXXX XXXX can not provide verifiable information supporting these reports, TransUnion is required under FCRA Section 611 ( a ) ( 5 ) to delete the inaccurate information.

Supporting Documentation I have attached the following to support my dispute : A copy of my credit report showing the errors in reporting.

Screenshots of the payment history that reflect the issues identified.

Desired Outcome I request the removal of the inaccurate information from my credit report and written confirmation of the results of your investigation. If this matter is not resolved promptly, I will pursue further action through the CFPB.

Thank you for your immediate attention to this matter. I look forward to your response within 30 days, as required by the FCRA. If you require further information, I can be reached at [ Insert phone number ] or [ Insert email address ].

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 non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: DC

Complaint narrative:
I recently received a communication from EdFinancial, my student loans servicer, marked XX/XX/XXXX, that the grace period on one of my loans is about to end and that the first payment is due in one month ( XX/XX/XXXX ). In addition, several of my loans ( 4 out of 6 ) list a payment due date as XX/XX/XXXX, despite the other two showing that I am in in-school deferment. Granted, the amount due showing up on the Account Summary page shows {$0.00} ; however the letter I received about the grace period ending indicates that I will owe {$840.00} per month. Both a screenshot of my Account Summary Page and the letter about the grace period ending are attached to this complaint. The problem is that I am currently in law school, which is the same course of education for which these loans were received. All of my loans should be listed as " In XXXX. '' To add to the confusion, on the Loan Details Page ( also screenshot attached ), the loans with the XX/XX/XXXX due date are listed as " In School Deferment '' in the dropdown, which does not match the Account Summary, the due date, nor the end-of-grace-period letter I received. None of them should have an initial due date before XX/XX/XXXX, as I graduate in XX/XX/XXXX and then have a 6-month grace period. Unfortunately, this seems to be a widespread problem, as several of my classmates are encountering this with EdFinancial as well, and the company has thus far not resolved it for them. 

I had a similar issue occur with EdFinancial in the fall of XXXX, and despite calling and speaking to representatives 3 times, during each of which I was assured that the problem was fixed and would appear as such on my portal soon, a month went by and it still said I owed money. Nothing was corrected until I filed a CFPB complaint, after which someone actually fixed the issue. I am not sure if this current issue is a continuation of whatever manual measures someone took to fix that old issue, leading to a loan now coming due when that is not, in fact, true.

Company response to consumer: Closed with explanation
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: Block, Inc.
State: TX

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 Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 46 financial loss, and I seek appropriate redress for these violations.

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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Gave child support my credit information without my consent

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Good day!

I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed.
Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt 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 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: CA

Complaint narrative:
Good day!

I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed.
Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to 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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, Subject : Request for Immediate Action Regarding Credit Report Disputes and Failure to Investigate I am writing to formally address a serious concern regarding inaccuracies on my credit report and to request immediate action under the Fair Credit Reporting Act ( FCRA ). I have previously submitted disputes to Experian concerning the following accounts, yet they remain unresolved despite the mandatory investigation period having passed. 

XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX, XXXX XXXX XXXX  acct number XXXX A

ccording to the FCRA, these disputes should have been investigated and resolved within 30 days of submission. However, despite my efforts to correct these errors, I have yet to receive any valid updates or corrections to my credit report. As a result, I am requesting that all inaccurate information related to these accounts be blocked from my credit report immediately. Per the CFPBs guidance and the regulations outlined in the FCRA, I am requesting that you take action to remove these items within 15 business days from the date of this letter. Failure to comply with these regulations is causing significant harm to my creditworthiness and financial well-being. I trust that the CFPB and Experian will treat this matter with the urgency it deserves and ensure that proper investigations are conducted promptly, with the appropriate actions taken to block any unverifiable or incorrect information from my credit report. Please provide confirmation that these actions will be taken within the requested timeframe. Should I not receive a satisfactory resolution within this period, I will consider further steps to escalate this matter. Thank you for your prompt attention to this issue. I look forward to your swift response.

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 2025-01-23 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: MI

Complaint narrative:
XXXX  XXXX Bankruptcy is listed on my credit report. I didnt file a bankruptcy and I have contacted the court. The court has informed me that they didnt supply them with any ino about me, but the bureau is saying that I indeed have a bankruptcy. It is not being verified because it is ficticious and they have not contacted the court. They are willfully providing false reporting.

I have submitted a fraud affidavit along with the police report number from the city of XXXX # XXXX and they will not remove all of the listed fraudulent accounts and address and inquiries from my credit report.

The listed fraudulent info is XXXX  XXXX bankruptcy XXXX XXXX {$11000.00} XXXX XXXX {$4900.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  {$2400.00} XXXX XXXX {$11000.00} XXXX XXXX {$4900.00} US Dept Treasury {$3700.00} XXXX {$61.00} all Dept of Education XXXX accounts multiple XXXX  XXXX XXXX {$5600.00} XXXX XXXX {$5100.00} XXXX XXXX {$160.00} inquiries XXXX XXXX XXXX XXXX XXXX Fraudulent addresses 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 2025-01-23 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: MI

Complaint narrative:
XXXX XXXX Bankruptcy is listed on my credit report. I didnt file a bankruptcy and I have contacted the court. The court has informed me that they didnt supply them with any ino about me, but the bureau is saying that I indeed have a bankruptcy. It is not being verified because it is ficticious and they have not contacted the court. They are willfully providing false reporting.

I have submitted a fraud affidavit along with the police report number from the city of XXXX # XXXX and they will not remove all of the listed fraudulent accounts and address and inquiries from my credit report.

The listed fraudulent info is XXXX XXXX bankruptcy XXXX XXXX {$11000.00} XXXX XXXX {$4900.00} XXXXXXXX XXXX XXXXXXXX {$1600.00} XXXXXXXX XXXX XXXX {$0.00} XXXXXXXX XXXX {$2400.00} XXXX XXXX {$11000.00} XXXX XXXX {$4900.00} US Dept Treasury {$3700.00} XXXX {$61.00} all Dept of Education XXXX accounts multiple XXXX XXXX XXXX {$5600.00} XXXX XXXX {$5100.00} XXXX XXXX {$160.00} inquiries XXXX XXXX XXXX XXXX XXXX  Fraudulent addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: TN

Complaint narrative:
Equifax 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 Equifax, 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 Equifax 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 Equifax 's inaction violates federal law and my rights as a consumer.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: AMERIS BANCORP
State: GA

Complaint narrative:
XXXX XXXX accidentally double charged my account on XXXX XXXX in the amount of {$62.00}. I immediately reached out to XXXX and they stated they would put the request in but it will not get looked into until Monday, XXXX XXXX. I can see that XXXX is reimbursing the funds but as I spoke with my bank today, XXXX XXXX. They want me to PAY the overdraft fees first then they will give a courtesy of having it removed. Not to mention they gave me 5 overdraft fees for this. In the total of {$35.00} per fee. Totaling {$170.00}.

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: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to investigate my disputes regarding inaccuracies in my credit report properly. Despite my submissions, Equifax consistently responds within 24 hours, stating that the account is accurate without providing 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. XXXX ) 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 2025-01-23 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: IL

Complaint narrative:
I am writing to formally express my concerns Regarding Zelles handling of disputes, particularly in light of 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 tracking lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system. This is not okay and not fair. I lost up to XXXX .

Company response to consumer: Closed with explanation
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: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes particularly in the light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies my financial institution in Zelle fail to investigate my claims inadequately they informed me that recovering for funds were impossible and tracking these transaction were infeasible the cfpbs findings indicate that Zelle not only neglected to protect customers but also allowed repeated offenders to exploit the system leaving users, vulnerable to scams this lack of accountability and transparency its unacceptable and raise a serious concerns about consumer safety

Company response to consumer: Closed with explanation