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: GA

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

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: Experian Information Solutions Inc.
State: GA

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

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  was responsible for validating the records associated with this account but failed to do so. The requested information included : A copy of the agreement granting authority to collect on this alleged debt. 
A signed agreement where I explicitly agreed to pay the creditor. 
Details of any insurance claims filed by the creditor regarding this account. 
Documentation of any judgments obtained by the creditor related to this account. 
The name and address of the alleged creditor. 
The name associated with the alleged debtor. 
The alleged account number. 
The address on file for the alleged debtor. 
The total amount of the alleged debt. 
The date the alleged debt became payable. 
The date of the original charge-off or delinquency. 
Verification that the debt was assigned or sold to the collector.

A complete accounting of the alleged debt. 
Details of the commission the debt collector would earn if collection efforts succeeded. 
The method used to verify and validate this information. 
None of this information was provided, nor was an explanation given for the fraudulent account being listed on my XXXX report after subsequently being removed from my experian for fraud. Under 611 ( 15 U.S.C. 1681i ), which governs the treatment of inaccurate or unverifiable information, it is evident that my credit and consumer rights have been violated due to XXXX XXXXXXXX XXXX XXXX failure and negligence. 
This account has been under review for over two years without proper validation in any instance. As such, this account must be deleted, and any association between XXXX XXXX XXXX  and my personal information must be removed, as the information is inaccurate, invalid, and fraudulent.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This complaint is to inform your company that I want to dispute the following items below on my credit profile. Did you see that your company was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Transunion does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 
I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate, and the outcome be removed today!

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: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PROVIDENT FUNDING ASSOCIATES
State: CA

Complaint narrative:
I received a letter dated XX/XX/XXXX, from Provident Funding, my current mortgage company. The letter stated that XXXX  XXXX XXXX, my home hazard insurance provider, had its rating downgraded and no longer met the company 's standards. As a result, I was required to switch carriers by the specified date of XX/XX/XXXX. 

I reached out to various insurance companies, but finding coverage was nearly impossible. For those that could insure me, the rates were unaffordable. Following the recent fires in California, a state of emergency had been declared, resulting in an insurance moratorium being put in place.

In light of these circumstances, I faxed a letter to Provident Funding requesting that they reconsider their requirement for me to find a new insurance carrier. On XX/XX/XXXX, I received a response from their customer service department informing me that I still needed to find a new insurance provider. However, they extended the deadline to XX/XX/XXXX, to secure coverage.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: LA

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 unfeasible. 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 2025-01-23 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: GA

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. 

RE : XXXX 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 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: OH

Complaint narrative:
I am filing a complaint against Experian for failing to propery investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, 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, 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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX STILL LISTED ON ACCOUNT XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX PA 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: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Global Lending Services LLC
State: UT

Complaint narrative:
Today on XX/XX/2025 the repo company came pounding at am door want g my car. After the fact that I had previously spoken to global lending about when I get paid and mad a payment to them and they were going to pull the repo I made a payment when I got paid the last week of XXXX. Still they blew up my phone I get paid once a month I told this to them over and over when I made the Payment. And would make another when I got paid again then at the end of XXXX .. they have not documented anything I said about my payments they will not change my payment date until I am caught up they will not work with me at all. When I tried to work with them all last month in XXXX the lady called me over other day and I answered now they. Are getting pushy and rude and not helpful even though I clearly stated everything and when I could get another payment to them. I am sick and this added stress is not helping me at all they told Me they pulled the repo I told them when I would get a payment to them again and they clearly do not care.

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: LA

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 for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX {$3300.00} This credit account is the results of identity theft and fraud.

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: 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 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 lagging posting of charges and credits. This issue aligns with the recent CFP b findings against Navy Federal for similar practices. Were transactions settled with insufficient balances? Despite initially available funds, I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: 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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was in a data breach and the law of 15 usc 1692 CC was broken

Company response to consumer: Closed with explanation
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: MD

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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Upon getting denied housing, I reviewed my credit. There are old accounts that have reappeared from several years passed that should be off due to settlement payments.There is also credit history that is not mine.My credit data was breached and all files need to be removed!

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

Complaint narrative:
XXXX 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 a 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 5 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have XXXX closed accounts with XXXX XXXX  That are not mine and are over XXXX. They changed the report dates of when they were closed. They were closed in XXXX and they were change to XXXX. It was removed off my XXXX but XXXX  and experian fail to remove it. 

XXXX XXXX bal. amount of {$1800.00} XX/XX/XXXX bal. amount of {$710.00} I have a close account with XXXX XXXX that I was making payments on and they closed my account while I was making payments. I am not over my limit and they close my account saying I was behind and reported me to all XXXX bureaucracy 's as a close account. This I formation is wrong XX/XX/XXXX balance {$5300.00} and credit limit {$6000.00}

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 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: TX

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union in regards to multiple overdraft fees that have incurred on my account. Despite have 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 for similar practices. Practices where transactions settled with insufficient balances despite there being 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 2025-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am submitting a complaint regarding the ongoing inaccurate reporting of several accounts on my credit report, which were a result of identity theft and a data breach. Despite filing an FTC report and providing supporting documentation, including a data breach confirmation and an affidavit verifying my identity, these fraudulent accounts continue to be reported in violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and delete any accounts resulting from identity theft within four business days of receiving notice. Additionally, FCRA Section 604 ( 15 U.S.C. 1681b ) mandates that a valid permissible purpose is required to access or report credit information. The following accounts were fraudulently reported without my consent : XXXX XXXXXXXX XXXX XXXX ( Account : XXXX, {$270.00} ), XXXX XXXX XXXXXXXX XXXX ( Account : XXXX, {$590.00} ), XXXX  XXXX ( Account : XXXX, {$770.00} ), XXXX XXXX ( Account : XXXX, {$120.00} ), XXXXXXXX XXXX XXXX XXXX ( Account : XXXX, {$110.00} ), XXXX XXXX XXXX  ( Account : XXXX, {$340.00} ), XXXX XXXX XXXX ( Account : XXXX, {$5100.00} ), XXXX XXXX XXXX ( Accounts : XXXX, XXXX, {$2700.00}, {$3200.00} ), and XXXX XXXX XXXX ( Accounts : XXXX, XXXX, {$420.00}, {$750.00} ). These accounts were obtained or reported without my knowledge and violate FCRA guidelines. I request the immediate deletion of these accounts within four business days to comply with federal regulations and to prevent further harm to my creditworthiness. The credit bureaus must ensure compliance with FCRA provisions and take corrective action 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 non-monetary relief