vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company 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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I have disputed the inquiries with Experian XXXX and equinox and nothing has been done after numerous attempts. These disputes are not mine and I have never heard of these companies that these reporting agencys are saying that I said it was ok for them to take out an inquiry on my credit report

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Complaint regarding Capital One handling of my personal data, which was breached and misused. Despite the seriousness of this situation, capital one did not inform me of or provided the necessary details regarding the breach and the potential misuse of information. The lack of communication and transparency is unacceptable and has left me vulnerable due to their negligence in protecting my data and failing to provide prompt and sufficient notice to me as a consumed

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report.

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Violation of the Fair Credit Reporting Act ( FCRA ) by Experian Details of the Complaint : On XX/XX/year>, I sent Experian a packet containing seven credit disputes. I have a certified mail receipt confirming that Experian received the correspondence. After realizing that I had not included necessary identification documents ( a copy of my driver 's license, social security card, and proof of residency ), I promptly sent a new packet containing the same disputes, this time including the required documents ( a copy of my driver 's license, social security card, and voters registration card ). The second packet was sent on XX/XX/year>, and XXXX XXXX XXXX XXXX confirms that Experian received it on XX/XX/year>. Despite these actions, Experian failed to initiate or complete an investigation into my disputes within the 30-day timeframe required by the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S.C. 1681i ( a ) ( 1 ). I tried several times to contact Experian by phone, however their automated system makes it impossible to speak with someone or inquire about disputes. Under the FCRA, Experian is obligated to investigate consumer disputes in a timely manner. If Experian can not verify the accuracy of the disputed information, it must delete the items from my credit report. Experian failure to comply with this legal requirement has left inaccurate negative information on my credit profile, causing significant harm. Impact of the Violation : Experian 's negligence has resulted in negative and inaccurate information remaining on my credit report. This failure has directly impacted my ability to access credit and secure housing, as lenders and landlords rely heavily on accurate credit reporting to make decisions. The presence of this false information has caused undue stress, financial hardship, and a diminished quality of life, which could have been avoided had Experian honored its obligations under the FCRA.

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: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I discovered a derogatory mark on my credit report associated with XXXXXXXX XXXX XXXX  ( Sunrise Credit Services Group ) for an amount of {$2700.00}. When I attempted to call them, they couldnt find my correct information in their records. I initiated disputes with all three credit bureaus, but none provided any assistance. When I requested verification of the debt, they were unable to confirm it was mine, yet the mark remains on my credit report, causing me significant frustration.

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 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 ( 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 2025-01-24 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:
On XXXX I reviewed my credit report and I noticed that despite my ongoing efforts and several certified submitted disputes that the credit bureaus Transunion and XXXX has continuously disregarded my disputes and failed to properly investigate which would have governed them to fix the issues as well they never notified me. Transunion and XXXX has violated my consumer rights and the following FCRA provisions. 15USC 1681 ( a ), 15USC 1681a ( 6 ) ( B ), 15USC 1681b ( 5 ) .Attached you will see the credit report that was sent to support my dispute and the items errors were highlighted and to no avail they still failed to comply with my request for removal. I feel that this has been intentional and has caused me significant hardship financially and emotionally and constitutes non compliance with federal law. Im seeking monetary compensation of {$1000.00} per violation accordance with my rights under the FCRA for their extreme negligence in investigating theses disputes in regards to my consumer report which reflects inaccurate /wrong Personal information, accounts and the reinsertion of previously removed information. Also note that I have all receipts for each certified letter that has been sent dating back over a year ago and will submit them in legal proceedings.

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: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I purchased a XXXX XXXX XXXX back in XX/XX/XXXX. I traded in my XXXX XXXX XXXX which they sold the following day before they paid the loan off. I signed a contract with the then finance manager and was told my payments would be {$480.00} per month. I never received my paperwork nor tag after a month went by. I was then told that I needed to bring the vehicle back because the loan was never approved. After speaking with the loan company they stated that I lied on my application which obviously was changed based on the information they supplied me with via phone. I did not return the vehicle because they had already sold my car and would not give me the option of applying for another vehicle. Which that being said I was cohurst to sign a new contract with a payment of {$630.00} per month and was promised I could refinance. I have been denied refinancing due to the loan amount being double of what the vehicle is actually worth.

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

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 XXXX XXXX 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint against Experian for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under the following sections : 15 USC 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy of information.

15 USC 1681s-2 : Failure to promptly correct and update inaccurate information.

15 USC 1681i ( 5 ) : Failure to properly investigate disputed information and provide resolution.

15 USC 1681c ( c ) : Reporting information beyond permissible time frames. 


I have made multiple attempts to resolve inaccuracies on my credit report directly with Experian. I submitted disputes in writing. However, Experian has failed to properly investigate my disputes or correct the inaccuracies. 

This behavior mirrors the issues outlined in the recent CFPB enforcement order titled " CFPB Orders Experian to Pay {$15.00} XXXX for Improper Investigations of Credit Report Errors. '' The CFPBs findings highlight systemic failures in Experian dispute resolution process, which are consistent with my experience. 

The inaccuracies on my credit report are causing significant harm, including [ higher interest rates, denial of credit, etc. ]. I am requesting that the CFPB intervene and ensure Experian complies with its legal obligations under the FCRA. 

inaccuracies on my credit report : 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 Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX ) 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 2025-01-24 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: FL

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as 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

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
After receiving a copy of my credit report, I discovered a variety of errors and unapproved accounts and information that were reported to it. My life and credit have suffered as a result of those comments.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
After receiving a copy of my credit report, I discovered a variety of errors and unapproved accounts and information that were reported to it. My life and credit have suffered as a result of those comments.

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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Last year in XXXX I checked my credit report and noticed XXXX inquiries on my credit report On XX/XX/XXXX I checked my credit report and noticed XXXX inquiries on my credit report placed on XXXX by XXXX different companies that I never permissible purpose to do so. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and Capital One XXXX XXXX XXXX XXXX, XXXX  XXXX On that same day. I sent them all letters notifying them that I never initiated any transactions with theyre companies and they fraudulently accessed my credit report and placed negative items on my report. I asked them to remove these inquiries from my report because I never gave them permission to access my report according I made sure to let them know that they are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i ) and too this day they still have not removed it and as a result it is still causing me great stress, and still making an impact on my credit report causing a lower score on my credit report making it harder for me to obtain credit. I never got a response back and dont know what else to do \

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Complaint regarding XXXX XXXX handling of my personal data, which was breached and misused. Despite the seriousness of this situation, XXXX XXXX did not inform me of or provided the necessary details regarding the breach and the potential misuse of information. The lack of communication and transparency is unacceptable and has left me vulnerable due to their negligence in protecting my data and failing to provide prompt and sufficient notice to me as a consumed

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Block, Inc.
State: TX

Complaint narrative:
Complaint regarding XXXX XXXX handling of my personal data, which was breached and misused. Despite the seriousness of this situation, XXXX  XXXX did not inform me of or provided the necessary details regarding the breach and the potential misuse of information. The lack of communication and transparency is unacceptable and has left me vulnerable due to their negligence in protecting my data and failing to provide prompt and sufficient notice to me as a consumed

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
there is a XXXX debt of XXXX $ i requested a investigation the amount is incorrect and was a ex spouse no change on credit report, also there is a knols card the amount is wrong it wasnt XXXX $ what was owed on that account was XXXX $ the rest is intrest or somthing but its wrong also reported and not deleted

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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have reported these accounts either dont belong to me due to fraud or/and I showed proof that I never owed a balance to XXXX. These accounts are XXXX XXXX XXXX : {$620.00} XX/XX/XXXX XXXX XXXX : {$470.00} XX/XX/XXXX XXXX Funding : {$670.00} XX/XX/XXXX NXXXX XXXX : {$710.00} XX/XX/XXXX XXXX XXXX apartments : {$2700.00} 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 2025-01-24 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 XXXX XXXX XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX XXXX 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