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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
i was affected by the Equifax data breach and had my identity stolen please close accounts and remove all comments

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: GA

Complaint narrative:
i was affected by the XXXX data breach and had my identity stolen please close accounts and remove all 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: 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 propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 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

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information Reported by XXXX XXXX XXXXXXXX on Credit Report Dear CFPB, I am writing to formally dispute the reporting of inaccurate information on my credit report concerning the account referenced below : Account Number : XXXX Creditor Name XXXX XXXX XXXX XXXXXXXX Account Type : Revolving ( Credit Card ) Upon reviewing my credit report, I identified the following discrepancies that I believe violate the Fair Credit Reporting Act ( FCRA ) standards for accuracy and fairness : Account Status Misrepresentation : The account is marked as " CHARGE_OFF '' while simultaneously indicating that the account was " Closed at Consumer 's Request. '' These XXXX statuses conflict and create confusion about the nature of the account closure. 
Dates of Activity Omission : The " Date of Last Activity '' field is blank. This is crucial information that must be accurately reflected to determine the timeline of delinquency and reporting.

High Credit Information Missing : The " High Credit '' field is incomplete, which obscures the accurate reporting of account performance. 
Available Credit Inconsistency : The report lists " Available Credit '' as {$3600.00}, which seems inaccurate given the account is charged off and closed. 
This inaccurate reporting violates my rights under the FCRA, which requires furnishers and credit reporting agencies to ensure that all reported information is accurate and complete. Furthermore, I am referencing the {$3.00} XXXX fine issued by the CFPB against XXXX for providing inaccurate consumer credit information as a precedent for the importance of accurate reporting and the CFPB 's role in enforcing these standards. 

I request that the CFPB investigate this matter and XXXX XXXX XXXX XXXX to correct the inaccurate information or provide verification of its accuracy within the mandated XXXX window. I also request that this account be temporarily marked as " in dispute '' on my credit reports until the investigation is complete. 

Attachments : Screenshot of the account details for reference. 
Copy of my government-issued ID. 
Recent utility bill as proof of address. 
Thank you for your time and attention to this matter. Please let me know if you require additional information to proceed with the investigation. 

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 2025-01-24 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information Reported by XXXX XXXX XXXXXXXX on Credit Report Dear CFPB, I am writing to formally dispute the reporting of inaccurate information on my credit report concerning the account referenced below : Account Number : XXXX Creditor Name : XXXX XXXX XXXXXXXX Account Type : Revolving ( Credit Card ) Upon reviewing my credit report, I identified the following discrepancies that I believe violate the Fair Credit Reporting Act ( FCRA ) standards for accuracy and fairness : Account Status Misrepresentation : The account is marked as " CHARGE_OFF '' while simultaneously indicating that the account was " Closed at Consumer 's Request. '' These XXXX statuses conflict and create confusion about the nature of the account closure. 
Dates of Activity Omission : The " Date of Last Activity '' field is blank. This is crucial information that must be accurately reflected to determine the timeline of delinquency and reporting.

High Credit Information Missing : The " High Credit '' field is incomplete, which obscures the accurate reporting of account performance. 
Available Credit Inconsistency : The report lists " Available Credit '' as {$3600.00}, which seems inaccurate given the account is charged off and closed. 
This inaccurate reporting violates my rights under the FCRA, which requires furnishers and credit reporting agencies to ensure that all reported information is accurate and complete. Furthermore, I am referencing the {$3.00} XXXX fine issued by the CFPB against XXXX for providing inaccurate consumer credit information as a precedent for the importance of accurate reporting and the CFPB 's role in enforcing these standards. 

I request that the CFPB investigate this matter and XXXX XXXX XXXX XXXX XXXXo correct the inaccurate information or provide verification of its accuracy within the mandated XXXX window. I also request that this account be temporarily marked as " in dispute '' on my credit reports until the investigation is complete. 

Attachments : Screenshot of the account details for reference. 
Copy of my government-issued ID. 
Recent utility bill as proof of address. 
Thank you for your time and attention to this matter. Please let me know if you require additional information to proceed with the investigation. 

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 2025-01-24 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 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 redres : for these violations.

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: FL

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 Credit Union for similiar practices, where transactioins 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute Under the Fair Credit Reporting Act ( 15 U.S.C . 1681o ) To Whom It May Concern : I am writing to formally dispute inaccurate and/or incomplete information that has been reported about me, in violation of the Fair Credit Reporting Act ( FCRA ). The inaccuracy/negligence on your part has caused harm to my reputation, financial standing, and emotional well-being. This letter serves as my request for immediate resolution of this matter. 

Details of the Issue : Inaccurate Information : amounts owed dates of payments wrong, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the FCRA, you are required to ensure the accuracy and integrity of the information you report. Furthermore, your failure to comply with the obligations set forth under the FCRA constitutes negligence, making you liable for damages under 15 U.S.C. 1681o. Specifically, this section provides that any person who negligently fails to comply with the FCRA is liable for actual damages sustained by the consumer, as well as court costs and reasonable attorneys fees.

What I Am Requesting : 1. Immediate Investigation : Conduct a thorough investigation of the inaccuracies I have identified and take corrective actions. 
XXXX. Correction or Deletion : Remove or correct the inaccurate information within the XXXX timeframe allowed by the FCRA. 
XXXX. Written Confirmation : Provide a written explanation of the actions taken to resolve this dispute, along with an updated copy of my credit report ( if applicable ). 

Failure to address this dispute adequately will leave me with no choice but to pursue legal remedies. I trust you will take this matter seriously and resolve it promptly to avoid further harm and potential legal action. 

Thank you for your immediate attention to this matter. I look forward to your response within the time required by law. You may contact me at [ your phone number ] or [ your email address ] if you need further clarification or documentation. 

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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: TN

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was un feasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Suttell, Hammer & White, P.S
State: CA

Complaint narrative:
My XXXXXXXX XXXX XXXX  account was closed in XX/XX/year>. Without my knowledge, a collection agency initiated a lawsuit against me. I contacted them for details regarding the amounts owed and the relevant dates, as this account was closed beyond California 's statute of limitations. Despite efforts from XXXX, a debt consolidation firm acting on my behalf, they failed to provide any resolution or the requested information. Today, I was served at my job with documents to garnish my wages. I believe I am not liable for this debt since I have not received the necessary documentation showing the last amounts owed, account usage dates, or closure details. I am facing financial difficulties and have attempted to resolve this matter directly with XXXX XXXX XXXX, but to no avail.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has failed to conduct a thorough investigation of the account in question, simply asserting its accuracy without providing sufficient evidence. This conduct violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires a reasonable investigation of disputes. Furthermore, Equifaxs actions may also breach the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as outlined in the CFPBs recent administrative proceedings ( File No. 2025-CFPB-0002 ) regarding similar violations. I urge the CFPB to take action ensuring Equifax adheres to federal law and provides consumers with proper proof of investigation. 
These are accounts XXXX XXXX XXXX XXXX funding Absolute resolutions investments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: AZ

Complaint narrative:
We, XXXX XXXX XXXX XXXX, financed a {$50000.00} solar panel system through GoodLeap, facilitated by XXXX XXXX XXXX. My contract with XXXX XXXX included a XXXX labor warranty, which was a key component of the system 's value. XXXX XXXX has since filed for XXXX  XXXX bankruptcy ( XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX  ), rendering the labor warranty void. This materially diminishes the value of the financed system, as I am now responsible for future labor costs. XXXX has refused to provide any resolution despite repeated attempts to address this issue, leaving me to pay for a system that no longer holds its promised value. 
Additionally, during the sales process, XXXX XXXX XXXX, the vendor for XXXX XXXX, engaged in misleading and deceptive practices, including : - Misrepresentation of the financial benefits of the solar system, claiming substantial savings that have not materialized. I was informed my electric bill credits would be far higher than the {$50.00} {$80.00} I currently receive monthly, while my financing payment is {$310.00} per month, resulting in a net loss. 
- Misleading statements about tax credits. The salesperson falsely promised that the tax break would fully cover a portion of the system 's cost, which has not occurred. 
- Failure to provide accessible customer support to address concerns during the cancellation window, effectively preventing me from canceling the contract in a timely manner.

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: Early Warning Services, LLC
State: SC

Complaint narrative:
I was scammed out of money off Zelle n couldnt get it back him too

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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within 24 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 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. These are the account that i have marked as inaccurate : XXXX # XXXX date opened XX/XX/year>, balance {$8100.00} XXXX XXXX XXXX # XXXX opened XXXX XXXX. 
XXXX XXXX # XXXX opened XXXX {$970.00} XXXX XXXX # XXXX opened XXXX {$520.00} XXXX XXXX # XXXX opened 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: NC

Complaint narrative:
Experian 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 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 's 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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
IN XXXX OF XXXX, I MAILED A CERTIFIED LETTER OF DISPUTE TO XXXX XXXX, WHICH WAS DELIVERED XX/XX/XXXX, XXXX OF TODAY XX/XX/XXXX, NO REPLY FROM XXXX XXXX.THIS IS A VIOLTION OF FEDERAL LAWS LIKE THE FDCPA AND THE FCRA. HERE I WILL BE PROVIDING RECIEPT AND PROOF OF DELIVERY. I HAVE DISCUSSED THIS WITH XXXX BUT NO RESPONSE AS WELL. PLEASE DELETE THE FOLLOWING ACCOUNT FROM MY EQUIFAX XXXX XXXX XXXX XXXX ACCOUNT XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
Cash app closed my account and didnt return my money. Just stated that I did the transaction with no verification and closed my account.

Company response to consumer: Closed with explanation