vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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: NJ

Complaint narrative:
The debt owed to XXXX XXXX XXXX associated with the financed automobile has been settled as evidenced by IRS acceptance of my 1099A and my receipt of 1099 Copy B. After receiving confirmation that the IRS received and accepted the 1099A for discharge, I did a UCC11 to ensure that the lien was removed from the financed property and the UCC11 confirmed that XXXX XXXX XXXX removed the lien that substantiated this debt obligation. The fact that XXXX XXXX XXXX has removed the lien is further evidence that the debt has now been settled and i XXXX ; XXXX now have the rights as the Holder in Due Course. Based on this fact, i have filed a UCC1 Lien on the financed property myself further evidencing that this debt has been settled and that I am now the legal holder in due course and owner of the financed automobile.

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 2025-01-21 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: NC

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 or credits I was unfairly charged overdraft fees. 
The issues 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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$1000.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX PXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX 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 Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {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 XXXX ( Original Creditor : 09 XXXX XXXX ) XXXX Balance {$7800.00} XXXX ( Original Creditor : 12 XXXX XXXX XXXX Balance {$3900.00} XXXX XXXX ( Original Creditor : 06 XXXX XXXX XXXX XXXX  ) XXXX Balance {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$150.00} XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX Balance {$200.00} XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$1000.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 Balance {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Balance {$240.00} XXXXS XX/XX/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 XXXX XXXX Original Creditor : 09 XXXXXXXX XXXX ) XXXX Balance {$7800.00} XXXX XXXX Original Creditor : 12 SPRINT ) XXXX Balance {$3900.00} XXXX XXXX ( Original Creditor : 06 XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance {$110.00} XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX {$150.00XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX Balance {$200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-01-21 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: TN

Complaint narrative:
I am filling a complaints XXXX for falling to properly Investigate my dispute regarding Inaccuracies In my credit report that despite my submissions, XXXX Consistently response within 24 hours stating the account is accurate, without providing any evidence offered through investigation that this practice violates for fair credit reporting a Act ( fcra ) ,15 U.S.C S1681i Which mandates A reasonable investigation of disputes that furthermore, XXXX action may also contravene The Consumer Financial Protection Act ( CFPA ) ,12 U.S.C S S 5536 ( A ) ( 1 ) ( A ) - ( B ) Is a highlighted in the CFPB 's Recent administrative proceeding ( File No. 2025-CFPB-0002 ) Against them for similar violation that I request that the CFPB Take action to ensure XXXX compliance with federal law and provides consumer 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 2025-01-21 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: TN

Complaint narrative:
I am filling a complaints XXXX for falling to properly Investigate my dispute regarding Inaccuracies In my credit report that despite my submissions, XXXX Consistently response within 24 hours stating the account is accurate, without providing any evidence offered through investigation that this practice violates for fair credit reporting a Act ( fcra ) XXXX15 U.S.C S1681i Which mandates A reasonable investigation of disputes that furthermore, XXXX action may also contravene The Consumer Financial Protection Act ( CFPA ) ,12 U.S.C S S 5536 ( A ) ( 1 ) ( A ) - ( B ) Is a highlighted in the CFPB 's Recent administrative proceeding ( File No. 2025-CFPB-0002 ) Against them for similar violation that I request that the CFPB Take action to ensure XXXX compliance with federal law and provides consumer 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 2025-01-21 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 you as the holder of account number [ XXXX ] for my credit card of [ XX/XX/XXXXXXXX XXXX to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card, have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Month of reported late payment : [ XX/XX/year> ] I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.

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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against cash app ( block, inc. ) due to inadequate customer services 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. Further more 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 regulations 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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an 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 process requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: UT

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 for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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:
Subject : Complaint Against XXXX.XX/XX/XXXX Regarding an Inaccurate XX/XX/XXXX XX/XX/XXXX Account Dear CFPB Representative, I am writing to file a formal complaint against XXXX. XX/XX/XXXXfor inaccurately reporting a collection account on my credit report through Experian and for their refusal to provide proper debt validation as required by law. 

The collection account in question is listed as a XXXX account with the account number XXXX. I have no knowledge of this account, and XXXX has confirmed that they have no record of the collection. Below is a detailed timeline of my efforts to resolve this matter : XX/XX/XXXX : I contacted XXXX. System to dispute the collection account, as I have no knowledge of it. I was informed by their representative that I needed to contact XXXX directly. 

XX/XX/XXXX : I contacted XXXX, and they confirmed they have no record of this collection account. They stated that my old account with them was closed with a XXXX balance. I was instructed to complete and return their fraud packet, which I submitted on XX/XX/XXXX. 

XX/XX/XXXX : Upon reviewing my credit report, I found that this collection account is still being reported by Experian, even though no other credit bureau is reporting it. I called XXXX. XXXX and requested a debt validation letter. The representative claimed it had been emailed to me, but I have not received anything via mail or email. 
I requested proof of the email sent, but XXXX. XXXX stated my timeframe for requesting debt validation had expired. When I asked to speak to a supervisor, I was initially told the manager would tell me the same thing. After insisting, I was transferred to a supervisor named XXXX ( ID # XXXX ). XXXX informed me that I could not request debt validation over the phone and would need to send a written request by mail. 
Additionally, I have not reported this issue directly to Experian because I have had previous issues with filing disputes through their system. These past experiences have left me with little confidence in their ability to address this issue promptly or fairly. 

On XX/XX/XXXX, I contacted XXXX to check the status, and they stated for some reason they can't locate my fraud package and ask me to resubmit another which I did on XX/XX/XXXX. 

XXXX.XX/XX/XXXXrefusal to provide proper debt validation, contradictory responses, and the continued reporting of this inaccurate collection account violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

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 2025-01-21 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: VA

Complaint narrative:
Recently I looked over a current copy of my credit report and even though I have disputed these issues several times I still find multiple inaccuracies on my account. This account has been hurting my ability to maintain credit and establish new credit. I have been subjected to predatory lending and adverse results when applying for credit. It is my understanding of the FCRA laws you will investigate these items for me to ensure the accuracy of these accounts. Please see below the account I am requesting you to verify as accurate. 

COMPANY NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX this is how it appears on my report. The balance for this account is {$25000.00}. I listed the balance to further identify the account in question

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: VA

Complaint narrative:
Recently I looked over a current copy of my credit report and even though I have disputed these issues several times I still find multiple inaccuracies on my account. This account has been hurting my ability to maintain credit and establish new credit. I have been subjected to predatory lending and adverse results when applying for credit. It is my understanding of the FCRA laws you will investigate these items for me to ensure the accuracy of these accounts. Please see below the account I am requesting you to verify as accurate. 

COMPANY NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX this is how it appears on my report. The balance for this account is {$25000.00}. I listed the balance to further identify the account in question

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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: DE

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 ). More specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account unprotected and vulnerable. Furthermore their dispute resolution process was deceptive and unfair, as they did both 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 2025-01-21 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: FL

Complaint narrative:
I am writing to deeply 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 2025-01-21 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Old residents and other incorrect information were disputed but never removed when advised from the party that negative items were being removed nor were it was letter sent stating the outcome

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