vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: OH

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide the method of verification for bankruptcy ( Reference # XXXX ) reported on my credit file. If the information can not be verified, please remove it from my credit report immediately as required by law. I am aware of that CFPB previously filed a lawsuit against Experian for failing to accurately verify consumer disputes in compliance with the Fair Credit Reporting Act.

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 2025-01-25 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: CA

Complaint narrative:
There are inquiries from your company on my credit report that I never authorized, and theyre seriously affecting my credit score.

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 2025-01-25 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: TX

Complaint narrative:
I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds 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, Equifaxs 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 accounts are accurate, without providing any evidence of a thorough investigation or documentation provided from the inaccurate accounts.

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. 

The FCRA requires credit reporting agencies to conduct thorough reinvestigations and provide clear proof of account validity. Your repeated failure to comply with these obligations has caused harm to my creditworthiness. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my previous disputes and a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), you continue to report unverifiable information. Your claim of electronic verification is not sufficient under the law, as no physical documentation from the original creditors has been provided to substantiate these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: MI

Complaint narrative:
Cash. App has closed my Account stating that I had did something against their terms and conditions without any communication or warning. I have not been able to pay my bills or receive cash when needed. I reached out to cash app with no problem resolution. I keep on calling to even speak with a supervisor, but I am continuously told there is no supervisor to speak with. I want cash app to pay me {$90000.00} in compensation for stress and unpaid bills due to them.Cash app closes accounts without warning or informing you what you did wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
I am currently awaiting a discharge of my loan through Public Service Loan Forgiveness ( PSFL ) through Federal Student Aid, serviced by Mohela. I submitted my annual application and XXXX XXXX and was informed that the XXXXXXXX XXXX XXXXXXXX was incorrect. However, when I reviewed the documentation that I submitted the XXXX XXXX was correct and the error was on their part. I called Student Aid and was advised to submit a reconsideration form. But when I tried to complete it, I received a notification that Employee Certification issues required a whole new application and Employee Certification Form. At this point, I filed a formal complaint on Studentaid.gov and included screenshots of their email showing their mistake and my form with the correct ID number. Since the mistake occurred within their department and all of my paperwork was in order, I requested that they reopen my application for further review so they can make the necessary corrections. I received a prompt response stating, " after review of your application, an error was in the system when your application was input. This error will be updated within XXXX business days. We do apologize for any inconvenience this may have caused. '' I am still waiting for this correction to be made. Furthermore, I have now exceeded the XXXX payments required for PSLF and their error is now delaying the final discharge of my student loan. I appreciate any assistance in reaching a resolution to this matter.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-26 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: CL Holdings LLC
State: CA

Complaint narrative:
My information was exposed in a data breach XXXX seeing things thats not connected to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: GA

Complaint narrative:
I am writing to report that the collection account is listed as an " OPEN ACCOUNT, '' which does not comply with FCRA regulations. This is an inaccurate entry and needs to be removed immediately. Please send me a copy of my credit report once the deletion has been processed. I recently obtained my credit report and noticed that there is inaccurate information regarding my credit and personal details. 
Date XX/XX/year> {$7500.00} XXXX XXXX XXXX  The fair resolution is to delete this immediately

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 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: RI

Complaint narrative:
I am writing to formally dispute an account listed on my credit report under the collection account ( XXXX ). According to my records, this account does not accurately reflect the details of the debt and may be reported in error. I am requesting that you investigate this account, as I believe it is not valid or otherwise inaccurate. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of this debt, and I kindly ask that you provide : The name of the original creditor. 
A copy of the original signed agreement or contract for the debt. 
Evidence that this debt belongs to me. 
A breakdown of any balances, charges, or fees included in the collection amount. 
If you are unable to verify this account or provide the requested documentation, I ask that it be removed from my credit report. 

Please send me written confirmation of your investigation findings, and if this account is found to be inaccurate or unverifiable, kindly ensure its removal from my credit report. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Portfolio Recovery, I requested the XXXX to be mailed to me and Ive received nothing in return. They have been calling me repeatedly but no one can send me the exact paperwork I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Im honestly tired of dealing with the constant inaccuracies on my report. These errors are more than just frustratingtheyre actively damaging my score and preventing me from accessing opportunities that Ive worked hard to earn. Its unfair and exhausting to keep fighting for basic fairness.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I filed a XXXX  XXXX bankruptcy on the XX/XX/XXXX at the United States bankruptcy court XXXX XXXX XXXX XXXX  case number XXXX 100 % plan and the case was successfully Discharged by the court on XX/XX/XXXX XXXX. Last year XXXX I made a phone enquiry about an Early Exclusion with Equifax credit bureau about delating or removing this information from my credit report before the official drop off date which is XX/XX/XXXX this year and thats when I discovered an anomaly on my credit report that, there was a chapter XXXX on my credit report filed on the same date that my chapter was discharged ie XX/XX/XXXX XXXX with the same case number XXXX at the same United States bankruptcy XXXX XXXX XXXX XXXX XXXX . I have made several calls and disputed this on their website all without any success and the last update email I got from them affirmed on my credit report that the reporting was correct.The last conversation I had with their customer service representative was that, i need to go to the bankruptcy court and get an official bank statement that the reporting or the case in issue was not mine or else theres nothing they can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MS

Complaint narrative:
I am submitting this complaint against Coinbase regarding an ACH transfer to my account, which has caused significant issues and frustration. The details are as follows : I initiated an ACH transfer to my Coinbase account. I was informed that I would need to wait XXXX ( XXXX ) business days for the transfer to be processed. However, after this time period, I discovered that the money was charged from my external bank account, yet my Coinbase account was still restricted. 

Despite the money being deducted from my bank account a long time ago, I am now being told by Coinbase that I can not access my funds. They have locked my account, denied me access, and placed further restrictions on my account, including prohibiting me from withdrawing or using my funds until XX/XX/XXXX. I find this to be unreasonable and unacceptable, as the funds have already been removed from my bank account. 

I have reached out to Coinbase numerous times regarding this issue, but they have failed to provide a clear resolution. On each occasion, I was either told that the issue would be addressed in the future or that it was out of their control. Despite my consistent attempts to resolve this, Coinbase has not restored access to my account or refunded the money, nor have they provided a reasonable explanation for the delays. 

I have also found that this issue is not isolated to me, as other users are reporting similar problems with Coinbase. This leads me to believe that this is a widespread issue, and Coinbase may be failing to uphold its obligations to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
I have tried several times contacting Affirm to understand why my loans are being denied. When I sign into the when it tells me that my card is blocked/locked, and I am not sure why. I have contacted them several times over the past XXXX weeks and still no resolve. I get that someone will call me within XXXX days, then XXXX and then that a ticket is being issued for my concern, and to date still nothing. I also complain that I have signed into the website and told that my affirm account money balance is low and to add funds. I do not have and do not have an affirm money account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: W&A Intermediate Co., LLC
State: NY

Complaint narrative:
On XX/XX/year> I was taken to the hospital via ambulance. Im just now getting a bill stating that I owe {$3100.00} anything medically should have been covered by my insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have numerous times now filed a complaint with the CFPB and through the company. A change was made to the XXXX report in good faith and now Equifax is reporting different amounts showing owed to the company. Why is Sun Loan breaking FCRA laws? Ive obtained legal council and will meet to proceed with legal action on Monday. It is against FCRA laws to report information on my credit file without my knowledge, especially wrong amounts reporting owed. In reply to the CFPB from XXXX XXXXXXXX they removed the file with the amount {$1900.00} yet Equifax is reporting an amount of {$900.00} this is ILLEGAL. I have repeatedly called XXXX XXXX at the number provided, left messages and never receive a call back. I am no longer going to allow being treated this way. I will provide attorney information to the CFPB as far name, company and phone number if requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: IA

Complaint narrative:
Iam filling complaint against equifax for falling to properly investigate my dispute regarding inaccuracies in my credit report despite my submissions Equifax consistently responds 24 hours stating the acount is accurate without providing any evidence of a thorough investigation. This practice violates the fair credit reporting Act ( FCRA ), 15 U.S.C. $ 1681i. Which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the consumer financial protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( file no.2025-CFPB-0002 ) against them for similar violations. I requested 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 2025-01-25 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: LA

Complaint narrative:
I tried to dispute first premiere account I have 2 of the same accounts reporting on my credit I know this is inaccurate

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 2025-01-25 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: LA

Complaint narrative:
I tried to dispute first premiere account I have 2 of the same accounts reporting on my credit I know this is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: AZ

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX Dear AFFIRM INC I am writing to formally dispute an inaccurate entry on my credit report. The account with AFFIRM INC and account number XXXX. This inaccurate reporting is negatively impacting my credit report. 

I am requesting that the Consumer Financial Protection Bureau investigate this issue and ensure that the account status is corrected. As per the Fair Credit Reporting Act, if the information is not corrected, the account must be removed from my credit report. 

I would appreciate your prompt attention to this matter and kindly request that I be informed of the steps taken to resolve this issue. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: AZ

Complaint narrative:
I am filing a complaint against Equifax and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax and XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax and XXXX complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In XXXX I approach XXXX rentals and bought an equipment cash for {$4500.00} then I needed a next one so I approached them to buy an equipment for more money {$6500.00}. The salesman XXXX XXXX sent me over to their financing department and we got a call from XXXX salesman XXXX XXXX in which we were emailing back and forth and gave him my companys information to finance a lift on behalf of my company. I gave XXXX rentals a down payment on the lift then XXXX texted and email confirming financing then all of a sudden time payment is sending me a contract saying Im in a lease with Time payment for a 21 month lease and I said no thats not right I never been in business with time payment and I did not sign no lease and the information they are sending has the wrong initials and wrong name. They went in my bank account to collect payment and I disputed it and put a stop payment. Now fast forward to XXXX they reported a late payment on my credit of being 30 days late and I disputed it. This is a bad deal they are saying I owe {$10000.00} for an equipment which had a balance of {$5700.00} based on what I put a down payment on. This doesnt make any sense and I want the authorities to intervene

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