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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I wanted reported accounts from XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX removed off my credit file due to Improper 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 — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Paid account off but credit bureaus ( all 3 ) still report balance ; contacted company and they confirmed acct paid in full and closed my dispute was denied. Additionally, data on other accounts are months behind. Mortgage last updated in XX/XX/scrub> 2024 2024

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: OH

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( 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. The accounts that are inaccurate are TransUnion, XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. The accounts that are inaccurate are XXXX, XXXX and Experian.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Innovate Managed Holdings, LLC
State: MD

Complaint narrative:
I received a letter in the mail about intent to repossess, however your records must be in disarray! The vehicle was repossessed already back in 2023. THIS IS THE EGREGIOUS MESS OF AN OFFICE I WAS TALKING ABOUT BACK THEN IN 2023. NOTHING, I MEAN NOTHING IS ORGANIZED WITH YOU PEOPLE! YOU FIND SUPERFLUOUS FEES TO TACT ON BILLS, ANNNNND YOUR RATINGS ARE TRASH WITH XXXX, amongst others. Im getting a letter with threatening language saying youre going to repossess a vehicle ( that was repossessed back in XXXX XXXX I have paperwork AND photos/video ), saying something about {$28000.00}. I DO NOT HAVE THE VEHICLE, YOU TOOK IT!!!!!!!!!! I DID NOT SIGN ANY DOCUMENT WITH YOUR NAME ( INNOVATE AUTO ) EITHER. DO NOT TRESPASS ON MY PROPERTY AGAIN, I MEAN IT!!!!!!!!! GO GET THE VEHICLE FROM THE REPO LOT OVER IN XXXXXXXX XXXX XXXX XXXX XXXX IF ITS STILL THERE. DO NOT TRESPASS ON MY PROPERTY AGAIN!!!!! IT IS AGAINST THE LAW AND I HAVE CAMERAS! I ALSO HAVE PROOF OF THE REPO BACK IN XXXX OF 2023. YOU WANT THE VEHICLE, GO GET IT AT XXXX XXXX XXXX ( XXXX, MD ). THIS IS A WARNING TO STAY OFF OF MY PROPERTY. IF I FIND ANYONE ON MY PROPERTY WHO ISNT AUTHORIZED ( Trespasser ), ACTION WILL BE TAKEN IN ACCORDANCE WITH MARYLAND STATE LAWS.

Company public response: Company believes complaint is the result of an isolated error
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: SC

Complaint narrative:
For the past 3 years navy federal has showed my available balance when using debit transaction but charges me over draft fees days later saying funds wasn't available when it showed in my account.

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 — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I have had several issues with transferring funds with XXXX where my true balance wasnt disclosed and when I spoke to someone in regard to the matter, they didnt have an exact reason for why the transaction didnt reflect in my balance. Even in paying bills, the pending transaction doesnt show in my checking pending transactions, I noticed I would have to go to my transfers to see what was coming out of my account and do the math myself because transfers would only show the amount transfer and not how it reflected in my balance. Balances wouldnt match and I would have to wait until transactions would clear which would delay payments in some cases resulting in me paying late fees etc. I experienced misleading information when speaking to representatives because they speak from a place of what they can see or what has posted however the information I inquired about may not be listed where they were looking ultimately resulted in me receiving misinformation. I didnt have a solution to my problem other than make payments and transfers and wait longer than the advised time for them to clear. It defeated the purpose of on time bill pay or transferring funds in a window of time. It has cost me more money than it should have.

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 card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX our Barclays XXXX XXXXXXXX credit card was charged {$1400.00} and {$1300.00}, respectively, by XXXX XXXX XXXX in XXXX. As neither my husband nor I made the charge or have been to XXXX  in the last XXXX  years, we immediately contested the charge with Barclays. In XXXX, we received notification from Barclays that upon investigation the charge was determined to be valid. Again we contested that this was not our charge and Barclays opened a second fraud case. My husband called XXXX XXXX XXXX and spoke to the owner who said that we were one of many to call and that the charges were fraud. XXXX XXXX sent an email stating they were fraudulent charges. The charges were through XXXX which XXXX XXXX has never used. We provided this information to Barclays. In late XXXX, Barclays denied our request a 2nd time and we opened a 3rd fraud case. Barclays also denied this case. We filed a police report with XXXXXXXX XXXX Department and filed with the XXXX  Attorney General 's Office in XXXX, XXXX. The AG was unable to help as they stated that scams are too numerous and perpetrators are too difficult to catch. 

The {$2700.00}, now with added interest, is a significant amount of money to us especially for a service we did not receive. The money along with the countless hours we have spent trying to have the charge reversed are VERY frustrating. Thank you in advance for any guidance you can provide. 

Warm Regards, 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: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. 

I do NOT want ANY OTHER ADDRESS OR PREVIOUS ADDRESS ( ES ) other than what I listed above to be retained or reported. 

Please delete any other addresses that infringe on my consumer rights OR provide evidentiary PROOF the legal right to retain such information. 

What you are reporting needs to match my Accurate Address as listed above only! If the previous address doesnt match my accurate address, please delete it right away!

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Stark Collection Agency, Inc.
State: TX

Complaint narrative:
I am writing this complaint on this collection that showed up on my credit, because I have disputed this issue with XXXX twice on XX/XX/scrub> 2024, and on XX/XX/year>2024. I believe that is was not investigated properly, because I have no knowledge of this collection. I believe that it is continuing to report on my credit unfairly according to 15 USC 1692 G, and 15 USC 168 ( i ) ( 1 ) ( a ).

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to 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 explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I am a licensed XXXXXX/XX/XXXXXXXX, and a strong XXXXredit score is required for my license. 

I use XXXX XXXX credit monitoring through my XXXX XXXXXX/XX/XXXX account. 

Per the attached screenshots, my credit score between XXXX - XX/XX/XXXX was reported as XXXX. On XX/XX/XXXX, I received a XXXX XXXX alert that my credit score had decreased by XXXX points. I question how XXXX XXXX can promote a company like " XXXX XXXX '', I haven't been able to identify who they are and XXXX XXXX refused to help. 

I've pulled all three credit reports ; no late payments or derogatory reporting exists. 

I have two mortgages. My primary residence reflects a 100 % on-time payment history ; the other is that I am a co-borrower, and there is a late payment in XX/XX/XXXX, which should have NO impact 2 1/2 years later. 

From XX/XX/XXXX, to today, I've called and spoken to numerous TransUnion representatives from XX/XX/XXXX, to today. For two weeks, I left messages for a manager. On XX/XX/XXXX, I received a call back from XXXX, who stated that XXXX XXXX reported my credit used as over 50 % of the allowed credit. I have a $ XXXX credit limit, and my balance has never exceeded $ XXXX in 2 1/2 years. 
There is not reflected on my report, I have nothing to refute. 

I called XXXX XXXX, they confirmed my account standing as I noted above. 

XX/XX/XXXX I placed a call to speak with " XXXX '', I haven't received a callback. 

Today, XXXX XXXX, I spoke with a supervisor named XXXX XXXX, who took another message for a manager. This supervisor told me I needed to pay for my current credit score and was prohibited from accessing previous credit reports. 

Except for one representative, XXXX, TransUnion customer service has been condescending, patronizing, and sometimes combative. 

I advised TransUnion I was filing this dispute. 

Thank you in advance for your help, I'm grateful we have an agency that protects consumer rights. 

Best, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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 2025-01-23 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: TX

Complaint narrative:
This is in regards to the Equifax Data Breach Settlement. The extended claim date has passed to file a claim but My data was proven to have been breached and misused by the Settlement Administration for the lawsuit. So I wanted to file a claim through here.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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: EQUIFAX, INC.
State: MA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XX/XX/XXXX
Acct#XX/XX/XXXX
Amount:XX/XX/XXXX XX/XX/XXXX MI, XX/XX/XXXXAcct#XX/XX/XXXX
Address: XX/XX/XXXXSC,XX/XX/XXXXUNKNOWN
Acct#XX/XX/XXXXAmountXX/XX/XXXXAddress: Unknown
UNKNOWN
Acct#XX/XX/XXXX
Amount:XX/XX/XXXXAcct#XX/XX/XXXX
AmountXX/XX/XXXX
Address: XX/XX/XXXX Tx XX/XX/XXXX XX/XX/XXXX
Acct#XX/XX/XXXXAmount:XX/XX/XXXX
Address:XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX
Amount:XX/XX/XXXXAddressXX/XX/XXXX XX/XX/XXXX, TxXX/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 2025-01-23 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 submitted disputes to XXXX and XXXX to address fraudulent information on my credit report due to identity theft. I provided all required documentation, including my drivers license, proof of address, an FTC Identity Theft Report, and my dispute letters. Despite this, XXXX sent me an email claiming they couldnt place a security freeze because I didnt provide proof of identity, which is false. XXXX also mailed me a letter claiming they are unable locate a file for me in their database. However, both companies have processed some disputes and made corrections using the same documents they now claim I didnt send. This inconsistency is unacceptable and appears to violate my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, both XXXX and XXXX are required to investigate disputes, process accurate information, and honor valid requests for security freezes. Their mishandling of my disputes is causing unnecessary stress and delaying the resolution of identity theft issues on my report. 

I am a busy mom and in the process of moving with my three small children, and its cold outside. I dont have time to deal with this negligence. Their actions are playing games with my livelihood, and its not fair how theyre treating people. I need them to follow the law and fix this situation..

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