vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: FL

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 accounts is accurate without providing any evidence of a through 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 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 CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

This are the accounts that I marked as inaccurate : XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX  XXXX Account Number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-27 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: FL

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 accounts is accurate without providing any evidence of a through 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 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 CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

This are the accounts that I marked as inaccurate : XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX  XXXX Account Number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX  Account # XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX 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
Consumer complaint received 2025-01-27 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:
IMPROPER, INACCURATE, FALSELY REPORTING DEROGATORY ITEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX I DEMAND THAT THESE DEROGATORY ITEMS ABOVE MENTIONED BE INVESTIGATED AND PERMANENTLY REMOVED FROM MY REPORT. I AM A VICTIM FROM TRANSUNION, 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 non-monetary relief
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
IMPROPER, INACCURATE, FALSELY REPORTING DEROGATORY ITEMS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I DEMAND THAT THESE DEROGATORY ITEMS ABOVE MENTIONED BE INVESTIGATED AND PERMANENTLY REMOVED FROM MY REPORT. I AM A VICTIM FROM XXXX, XXXX, EQUIFAX CREDIT BUREAU

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: AL

Complaint narrative:
XX/XX/XXXX {$3000.00} not removed XX/XX/XXXX {$0.00}. Not removed XXXX XXXX  XX/XX/XXXX not removed XXXX XX/XX/XXXX {$0.00} not 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 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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 2025-01-27 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: NC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigaie 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. 2025-CFPB-0002 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CT

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that the verification and documentation that there is a valid basis for claiming that I must pay the debt. 

Upon receiving documentation from XXXX, I would like to dispute the validity of this debt. They're are discrepancies within the lease. I am seeing that I am being listed on this lease I have no knowledge of and that is not my signature on the end of the lease, and there are additional names listed on the lease. 

I have submitted disputes for this account and provided documentation to prove the information is inaccurate and unverifiable. However, credit and collection agencies have failed to verify this information properly or responded with generic statements without explaining their investigation process and correcting the errors.

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 2025-01-27 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 to formally express my concerns regarding Zelles 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts within 4 days XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # 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
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: NJ

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 2025-01-27 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: VA

Complaint narrative:
I am writing to formally dispute the following fraudulent accounts that have appeared on my credit report. These accounts were not opened or authorized by me, and I request that they be removed immediately from my credit report as they are inaccurate. 

The accounts I am disputing are as follows : XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX I have attached a FTC IDENTITY THEFT report along with this complaint also

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 2025-01-27 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: IL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX Balance {$1400.00}, XXXX  XXXX Balance {$500.00}, XXXX XXXX Balance {$29000.00}, XXXX XXXX XXXX Balance {$720.00}, XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX Balance {$200.00}, XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/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 2025-01-27 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: NY

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
There were several unauthorized transactions on the account from my XXXX  account that was hacked, and I was not aware of because I had stopped using the account, this was also related to my debit card at that time used for these unauthorized transactions. These transactions lasted over an extended period including transactions of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXadd cash for various amounts during this period. I reported this unauthorized transaction when I found out and closed the debit card account that was used for the transactions. I explained that I had attempted reporting these unauthorized transactions to XXXX XXXX but no favorable response, instead my account was closed but no refund was processed. That was why I reached out to my bank that had issued me the debit card but also to no favorable response, hence I have brough this matter here as a complaint against my bank and for the funds to be refunded. The case number in reference is XXXX for an amount of {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NJ

Complaint narrative:
I am writing to formally dispute the accuracy of late payments reported on my consumer report for the following account ( s ) : XXXX XXXX XXXX  XXXX TransUnion has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) in verifying the accuracy of these reported late payments. I submitted a reinvestigation request on XX/XX/XXXX, and I received notice on XX/XX/XXXX that the company was still working on the matter. However, I only received a response on XX/XX/XXXX, which was vague, automated, and failed to provide meaningful verification or supporting documentation. 

To ensure compliance with federal law, I am requesting the following documents and evidence regarding the reported late payments : Periodic Billing Statements : Copies of billing statements issued by the creditor, as required under 15 U.S.C. 1666b, to confirm that statements were sent at least 21 days before the payment due date.

Delinquency Notice : Proof that the creditor delivered or mailed a delinquency notice informing me of the missed payments and subsequent late payment status. 

Late Payment Notice : Documentation that a written notice was mailed or delivered at least 21 days prior to the payment due date, per federal requirements. 

Written or Oral Transmissions Between TransUnion and the Furnisher : Evidence of all correspondence between TransUnion and the data furnisher during your investigation. Specifically, I request written and oral communications, between you ( TRANSUNION ) and the furnisher not records of automated processes or verifications. 

TransUnions reliance on automated verification systems during my reinvestigation is inadequate and does not comply with 15 U.S.C. 1681i ( a ), which requires a reasonable reinvestigation into disputed information. Furthermore, 15 U.S.C. 1681e ( b ) mandates that TransUnion ensure maximum possible accuracy of the information reported, which can not be accomplished solely through automated processes. 

The systemic deficiencies in your dispute investigation process have resulted in inaccurate information being reported on my consumer report, causing financial harm, including higher interest rates and credit denials. If TransUnion can not provide the requested documentation to substantiate the accuracy of these late payments, I demand that they be removed from my consumer report immediately. 

I look forward to receiving a written response, including the requested documentation, within the 30-day timeframe required by law. Failure to comply with this request will result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities.

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 2025-01-27 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time and one of the inaccurate payments were during XXXX. I also noticed each credit bureaus ( XXXX, XXXX, and Experian ) reported different inaccurate information regarding the same account. The consumer reporting agency need to report all information with complete accuracy. 
The CARES Act, passed in XX/XX/XXXX, included provisions aimed at protecting consumers ' credit scores during the pandemic. I have attached a copy of my report from Experian on the following dates, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX I am requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to Paid On Time immediately. Thank you for your understanding and prompt action.

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