vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: NV

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. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifax failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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:
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 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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
Im filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA. ) Specifically, cash app failed to take timely And effective measures to prevent end 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 Transfer Act and Regulation E. These actions have caused significant financial lost and inconvenience and I seek the appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: NV

Complaint narrative:
Equifax reinserted a previously investigated and deleted account onto my credit report and when I asked for a reinvestigation, the company locked my credit report, blocking my access. 


The Fair Credit Reporting Act ( FCRA ) is the primary federal law that regulates credit bureaus and protects consumers credit information. Under the Economic Growth, Regulatory Relief, and Consumer Protection Act ( 2018 ), credit bureaus can not lock or freeze your credit report without your consent. This law mandates that : 1. Consumers have the right to freeze and unfreeze their credit reports for free at all three major credit bureaus ( Equifax, XXXX, and XXXX ). 2. Credit bureaus can not lock or freeze a credit report without the consumers explicit request. 3. Credit freezes must be lifted upon requestwithin one hour if requested online or by phone. I did not request that Equifax block my credit report and I am demanding my report be unlocked immediately. Following a request for Equifax to investigate incorrect information on my credit report, Equifax placed a block on my credit report, preventing me or any creditors I give consent to access my credit report with a fraudulent message added when inquiries are attempted, stating, " Fraud alert requested by consumer ''. I did not request to have my credit report blocked. I contacted Equifax 3 times on XX/XX/XXXX and requested my report be unblocked and they have failed to do so, despite the FCRA stating this must be completed with 1 hour of the consumer 's request. The action of blocking a consumer 's report because Equifax is asked to comply with the Fair Credit Report Act and investigate inaccurate information appears to be an illegal, punitive action to scare consumers into not disputing inaccurate information found on Equifax credit reports. Equifax 's unethical tactics of violating my ability to exercise my consumer rights under the FCRA needs to be investigated. In addition, despite having experienced one of the largest data breaches and proving they can not safely handle consumer information, Equifax has requested that I make paper copies of my driver 's license and social security card and mail it to their office. This practice needs to be investigated, as Equifax employs 17,000 individuals across 6 continents and operates in 24 countries, we have no idea who will have access to these physical copies of sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: DE

Complaint narrative:
I am filing a complaint against Equifax & Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax & Experian 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 & Experians 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 & Experian complies with federal law and provides consumers with the necessary proof of investigation. The accounts that I have disputed for inaccuracies are listed : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX & XXXX ACCOUNTS with inaccuracies, false dates and payment history.

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 2025-02-05 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: OH

Complaint narrative:
dispute the following hard inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX was supposed to be off my credit report, i filed a few times with Experian & they investigated improperly and i would like them removed. Please and thank you.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Tenaglia & Hunt, PA
State: NC

Complaint narrative:
I am writing to file a complaint against Tenaglia & Hunt, P.A. for engaging in practices that I believe constitute serious violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. I also request that, as part of the resolution, damages be awarded for the harassment and distress I have experienced due to these violations. Below are the details of my complaint. I previously owed a debt to XXXX XXXX. This debt has been canceled, as evidenced by the Form 1099-C filed with the Internal Revenue Service . On XX/XX/XXXX, I was contacted by Tenaglia & Hunt, P.A. They represented themselves as a debt collector attempting to collect the canceled debt and further indicated that they were acting in the capacity of an attorney on behalf of XXXXXXXX XXXX They initiated legal action under case number XXXX. I contend that this communication constitutes a violation of the FDCPA for the following reasons : Misrepresentation of Attorney Status : Under 15 U.S.C. 1692e ( 3 ), a debt collector is prohibited from falsely representing or implying that they are an attorney if they are not. By presenting themselves as legal counsel and pursuing legal action on a canceled debt, Tenaglia & Hunt, P.A. has misrepresented its authority. Threats of Unauthorized Legal Action : The FDCPA, under 15 U.S.C. 1692e ( 5 ), prohibits a debt collector from threatening legal action that they do not intend or are not legally entitled to take. Initiating legal proceedings for a debt that has been canceled is a clear violation of this provision. Harassment and Emotional Distress : The actions of Tenaglia & Hunt, P.A. have not only been deceptive but have also caused significant harassment, emotional distress, and other harms. These actions warrant the awarding of damages for the distress and inconvenience experienced. The conduct of Tenaglia & Hunt, P.A. appears to violate key provisions of the FDCPA : 15 U.S.C. 1692e ( 3 ) : Prohibits the false representation of ones status or affiliation, including falsely claiming to be an attorney. 
15 U.S.C. 1692e ( 5 ) : Prohibits the use of misleading statements about the initiation of legal action. In XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), the Supreme Court affirmed that the FDCPA is a valid exercise of Congresss power to regulate interstate commerce, confirming that its protections extend fully to actions taken by debt collectors, including those acting as attorneys. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) further supports the principle that consumers may recover statutory and actual damages when relying on misleading representations made by debt collectors or their representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: NY

Complaint narrative:
I wrote a letter dated XX/XX/year> to Experian disputing claims falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items or were not mine. I explain in the letter that this letter was a formal dispute under the provisions of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 et seq. that you are reporting inaccurate credit information. 

I explained to Experian that they received a prior US Certified Mail on XX/XX/year>, and that they failed to act according to the FCRA, as they had not produced any documentation that validated any claim from the alleged creditors. 

The failure caused me to write a second US-certified letter for Experian to comply with the FCRA within 30 days of receiving this letter. I expect either for the removal of the erroneous accounts or for Experian to provide validation with actual documents. They failed to do both.

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 2025-02-05 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-02-05 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: TX

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX, Texas XXXX DISPUTING AND REQUESTING VALIDATION OF THE FOLLOWING : XXXX ACCOUNT # XXXX LATE PAYMENT REPORTED XXXX  ACCOUNT # XXXX BALANCE {$1500.00} XXXX  XXXX ACCOUNT XXXX BALANCE {$270.00} US DEPARTMENT OF EDU XXXX BALANCE {$97.00} 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

Aggravated identity theft 18 USC 1028A establishes the offense of aggravated identity theft. It prohibits the use of identifying information belonging to another person in connection with certain federal offenses or terrorism offenses. Enhanced prison sentences apply if identity theft relates to certain aggravating situations COLLECTION AMOUNTS NOT ACCURATE, INVALID AND REPORTING INACCURATE INFORMATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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:
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 experience where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my standing credit. 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 2025-02-05 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) of 1970, particularly the provisions outlined in 15 U.S.C. 1681 Section 602 and 15 U.S.C. 1681 Section 604 ( a ), as well as the billing error resolution provisions under 15 U.S.C. 1666b, I request that these matters be investigated thoroughly and that the late payments be removed promptly from my credit report.

I would also like to note that I had set up a payment arrangement with Chase Bank prior to the negative mark on my account. This arrangement was intended to avoid any late payment issues, and the negative mark appears to have been reported in error. 
I have reviewed my records and can confirm that I am currently in good standing with Chase Bank, with no recent late notices. It is essential that my credit report accurately reflects this standing. An erroneous reporting of late payments is not only detrimental to my creditworthiness but also in direct contradiction to the spirit and intent of the FCRA, which emphasizes fairness, accuracy, and privacy in consumer reporting. 
Furthermore, I am also requesting an investigation into the reporting of accounts with XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and the Department of Education. Both the accounts with XXXX XXXX  and XXXX XXXX XXXX have been paid off, and their statuses should be accurately updated to reflect this resolution. Additionally, I have maintained good standing with the Department of Education, and any late payments reported on this account are inaccurate. These inaccuracies must also be corrected promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: TX

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$19000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$19000.00}

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