vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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: DISCOVER BANK
State: TN

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit.despite my efforts to resolve this directly with the reporting agency, it remains unresolved.I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: MD

Complaint narrative:
XXXX has failed to fulfill its leg obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonab reinvestigation of disputed inforn credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, 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 XXXX 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 XXXX 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: MI

Complaint narrative:
XXXX 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 I want the CFPB to publish this XXXX 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 non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX 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 I want the CFPB to publish this XXXX 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 2025-01-25 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: MD

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, OH XXXX had sent me a 1099-C Cancellation of Debt in XXXX and information is still on my credit report showing as owed. Since this cancels out the debt, I have been trying to have this deleted from my credit report. 


Same problem/issue for 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 non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: MD

Complaint narrative:
Discover Bank, XXXX XXXX, XXXX XXXX, OH XXXX had sent me a 1099-C Cancellation of Debt in XXXX and information is still on my credit report showing as owed. Since this cancels out the debt, I have been trying to have this deleted from my credit report. 


Same problem/issue for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: MD

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, OH XXXX had sent me a 1099-C Cancellation of Debt in XXXX  and information is still on my credit report showing as owed. Since this cancels out the debt, I have been trying to have this deleted from my credit report. 


Same problem/issue for 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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

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 2025-01-25 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:
Re : Urgent Request Fraudulent Information and Inquiries Block under Section 605B of the FCRA To Whom It May Concern, I am writing to request the immediate removal of fraudulent accounts, collections, charge-offs, and inquiries on my credit report due to identity theft. The inaccurate information listed below has caused significant harm to my credit, and I am invoking my rights under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) to have this fraudulent information blocked and permanently removed within four ( 4 ) business days of your receipt of this letter. 

Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand the immediate removal of these fraudulent accounts, collections, and inquiries, as they were not authorized by me and are negatively impacting my credit. Failure to comply with this request will result in the following actions : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seeking monetary damages for harm caused by continued reporting of inaccurate information. 
I expect written confirmation by XX/XX/XXXX confirming the permanent removal of all fraudulent information listed above. 

This is a time-sensitive matter, and you are now officially on notice. If you fail to act promptly, I will escalate this matter to the appropriate legal authorities to protect my rights and restore my credit. 

Thank you for your immediate 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 2025-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
the company repossessed the car around the end of XX/XX/year>, then send me a letter saying they sold the car, but I still owed them. they put it in my credit report as a write off and send me a balance to pay them. I didn't receive any 1099c form from them and that write off is messing with my credit. I want that balance and that write off of my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Purchased an item in XX/XX/year>, and sent item back, and amount was refunded to credit card account. Tranferred form credit card account to checking account, and noticed a {$10.00} charge to account ; called, and was informed that I could not transfer, and that was the reason for the charge, and if the transfer amount was returned, the {$10.00} fee would be wavered. made the transfer and it went into savings account, but everything became confusing at that point. A late fee was added, another {$10.00} fee. I called again and was informed that if I paid the late fee, everything would be fine. Then, I transferred {$35.00} to the credit card account from my checking, and $ XXXX charge was added to the card, When I looked again, the credit card balance was {$48.00}, which I paid. I spoke with XXXX XXXX XXXX prior to depositing the {$35.00}, who told me to pay the {$10.00} fee, and everything would be taken care of. I called the bank from which I obtained the credit card, but was informed that they could only see the account, but was unable to enter the account, and the XXXX XXXX XXXX  were difficult to understand, but they were clear with if I paid the {$10.00} fee, everthing would be fine, and I have no other way for understanding what happen to my funds, and I XXXX n't have access to close the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: CO

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. The accounts that I have marked as inaccurate are from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: CA

Complaint narrative:
I am writing currently to express my concerns and grievances regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting and regarding significant issues with the platform. Despite using Zelle and numerous times and reporting discrepancies, my financial institution and Zelle have both failed to investigate my claims thoroughly and 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 also allowed repeat offenders to exploit the system, leaving various users open and vulnerable to scams. The lack of accountability and transparency is absolutely abhorrent and unacceptable, thus raising concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: LEXISNEXIS
State: FL

Complaint narrative:
My Name is XXXX XXXX, and I am formally writing to dispute inaccurate information on my credit report as provided under my rights in the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ). I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. This letter serves as a formal request to investigate and correct the following inaccurate items in compliance with the statutory requirements outlined in the FCRA. Furthermore, there are unauthorized inquiries on my credit report that i did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S. Code 8, i do not owe any debt to these entities, and i demand the immediate deletion of the items and inquiries in question to correct my credit report Please address this matter promptly and confirm the removal of the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: CORELOGIC INC
State: FL

Complaint narrative:
My Name is XXXX XXXX, and I am formally writing to dispute inaccurate information on my credit report as provided under my rights in the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ). I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. This letter serves as a formal request to investigate and correct the following inaccurate items in compliance with the statutory requirements outlined in the FCRA. Furthermore, there are unauthorized inquiries on my credit report that i did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S. Code 8, i do not owe any debt to these entities, and i demand the immediate deletion of the items and inquiries in question to correct my credit report Please address this matter promptly and confirm the removal of the disputed entries.

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 2025-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: WV

Complaint narrative:
I applied for the SAVE plan in the XXXX XXXX XXXX My application was initially accepted, but when all the legal proceedings started with the SAVE plan, everything came to a halt, including the processing of my application. Based on the legal ruling surrounding provisions for those like myself who were stuck in application processing, I was supposed to be in administrative forbearance with a 0 % interest rate from the submission of my application through todays date. Unfortunately, my loans were transferred to MOHELA for further handling, as my prior loan handler no longer handle student loans, and, despite several phone conversations about the administrative forbearance promised by the government, my loans have accrued interest during this period and continue to accrue interest based on the interest rates shown on my online MOHELA account. 

Furthermore, although my loan repayment is not supposed to start during this forbearance, MOHELA continues to send me emails every so often reminding me that I owe over {$2000.00} due each month. Their phone message says to ignore this notification, but I am worried that they continue to request money that is not due. I am a medical resident with a large student debt burden from medical school, and there is no way that I can pay this amount per month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation