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: 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: MD

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C Section 1681i, which requires credit reporting agencies to conduct a reasonable investigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding credit bureaus failure to conduct proper investigations. Specifically in which Transunion is apart of, which may not complete sufficient or even sham investigations, and sharing inaccurate credit scores and data to lenders, violating consumer protection laws by failing to meet its obligations, under the FCRA.

As per 15 U.S.C. Section 1681i ( a ) ( 1 ) ( A ), Transunion is required to conduct a through and reasonable investigation of disputed items within 30 days. Furthermore, under 15 U.S.C. Section 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that Transunion : 1. Conduct a thorough reinvestiation of the following disputed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 2. Provide me with all documentation used to verify accuracy of the disputed information Including contracts, assignments, chains of assignment, purchase agreements, and any other such documents.

3. Correct or delete any information that can not be verified or is inaccurate in any way, as mandated by law.

Given the CFPB findings, I expect Transunion to handle this dispute with the utmost seriousness, urgency, and compliance with legal standards. I will not hesitate to further escalate this matter and pursue any legal actions necessary to protect my rights. 

I expect written confirmations of any changes made to my file.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On or about XX/XX/year> I received a text showing I had made a {$180.00} transaction at XXXX. Only problem was I did not make that transaction. Thus I shutdown my card immediately and reported the fraud to Capitol One. The agent I talked to stated there would be an investigation and I would be notified if the fraud was valid or not. XX/XX/XXXX I received the decision letter and it stated the transaction was not fraudulent. The letter stated I benefitted from this transaction that I did not make. The letter is attached. I gave them my XXXX order history that shows I did not make this order. After submitting evidence I did not make this order they did not change their decision. I was charged for the {$180.00} for an order I did not place.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The following company below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The following inquiry on my report needs to be removed. 

* 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: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
My ex wife was paying the bill. It got bought out by LVNV. No one from LVNV has reached out to provide the status of the account or to set up any type of payment plan prior to filing for a judgement. Then I went to court for the loan. They hired a third party lawyer. He did not have any information about this company. Judge and the third party lawyer told me that should appeal to force them to call me. I send the appeal process today. The sad part is that she only owes under {$6000.00}. 

I am seeking LVNV to contact me to set up payment arrangements or resolve the account.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Checking my credit report today, I found an unauthorized inquiry that I can not explain. I always monitor my report, but this unexpected issue has left me confused and concerned. I refreshed my browser several times, hoping it would disappear, but it did not. I am beyond frustrated with this situation and request an immediate review of my submitted documents to put this matter to rest once and for all.

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: Experian Information Solutions Inc.
State: MO

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 Experians 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 2025-01-23 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 the prolonged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe 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 2025-01-23 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: PA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, 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 '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. 

see cfpb complaints already submitted- # XXXX, # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against XXXX for failing to properly 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 ( File No. XXXX ) against them for similar violations. 

I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 


XXXX XXXX : XXXX XXXX XXXX- {$2800.00}

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 — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had in accurate personal addresses and phone numbers. Ive had the same phone number for 20 years and the same address for 12 years. However I had multiple addresses and phone numbers on file. 

I had 4 closed accounts that went to collections. One of those accounts was settled, but I see it on my credit report for the same company multiple times.

The other 3 have inaccurate information one the amounts owed, and lender. On my account it looks like I owe 12 companies, when there are only 3.

Also on my account I have an old credit card that I closed 8 years showing as an active update account. Which leads me to believe my personal information may have been stolen.

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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experience has failed to fulfill its legal obligations 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 accounts, as Experians 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 2025-01-23 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: TX

Complaint narrative:
I am filing a complaint against XXXX for failing to properly 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 I want the XXXXXXXX XXXX XXXXXXXX XXXX  account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, 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 ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are some of the accounts : XXXX automated collections XXXXXXXX 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: TX

Complaint narrative:
I am filing a complaint against XXXX for failing to properly 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. 

XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding I want the XXXX XXXX XXXX XXXX  account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, 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 ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are some of the accounts : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This involves the CFPB lawsuit filed against Capital One XXXX on XX/XX/XXXX. 
I have been an account holder with Capital One since they took over the accounts from XXXX. 
I had a XXXX XXXX account before and after the XXXX XXXX XXXX account launch in XXXXXXXX XXXX XXXXXXXX. I can attest I was never informed that the new accounts were available nor did I ever receive and email or any other correspondence that they existed. 
However, it's important to note that Capital One is constantly sending emails to apply for loans and/or the flash page that pops up when logging in to add browser add-ons so that they " can find me the best deals on the net '' when I am shopping. Even offering a {$45.00} credit to do so. They had no problem sending notices of other changes over the years with changes they made to the checking account I have. Yet with the XXXX XXXX savings account to earn alot more interest accounts... XXXX received nothing! This situation is particularly disgusting because Capital One does not offer the original savings accounts anymore. Why didn't they just switch everyone automatically? 
That to me is deceit and fraud! 
I'm not wealthy by no means but I feel completely taken advantage of as I had quite a few thousand dollars in that account, that come to find out recently via the news, should have been earning a lot more interest that what it did. 
I am completely disgusted with the practices of Capital One. I opened a XXXX XXXX XXXX account on XX/XX/XXXX upon learning of the lawsuit while I shop for another bank to do business with. 
I will be leaving Capital One asap. 
And I have every intention to find a lawyer to file a class action suit.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
The following inquiries are reporting on my credit that I never applied for : XXXX XXXX XX/XX/year>, XX/XX/year>, XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>

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

Complaint narrative:
problems : [ XXXX XXXX ] [ XXXX XXXX XX/XX/XXXXXXXX ] [ XX/XX/year> Experian XXXXXX/XX/XXXXXXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report To Whom It May Concern : I am writing to formally dispute inaccurate and incomplete information appearing on my Experian credit report. These errors have negatively impacted my creditworthiness, and despite previous attempts to resolve these issues, the inaccuracies remain unresolved.

Specifically, the following items on my report are inaccurate or unverifiable : 1 [ Insert account name number, and specific issuee.g., incorrect balance, status, or date of delinquency ]. 
2 [ Repeat for any other disputed accounts ].

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and complete credit report. I also understand that the Consumer Financial Protection Bureau ( CFPB ) has previously filed a lawsuit against Experian for systemic issues related to misleading credit reporting practices and failures to address consumer disputes effectively. It appears that similar systemic failures have impacted my situation.

I request that you : Conduct a thorough investigation of the items listed above. 
Remove or correct any inaccurate, incomplete, or unverifiable information. 
Provide me with a written explanation of your findings and any changes made to my credit report. 
Enclosed are copies of the following supporting documents to assist with your investigation : [ Copy of your credit report with the disputed items highlighted ] [ Copies of relevant correspondence, statements, or evidence to substantiate your claims ] [ Any other supporting documentation ] Please note that I am keeping a record of all correspondence related to this matter and am prepared to escalate this dispute if necessary, including filing a complaint with the CFPB or pursuing legal action to enforce my rights under the FCRA. 
I expect a resolution to this dispute within the 30-day timeframe mandated by federal law. Please confirm receipt of this dispute and provide updates at your earliest convenience. 
Thank you for your attention to this matter. I look forward to your prompt resolution. 
Sincerely, [ 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