vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Information on XXXX Card Account Dear CFPB Team, I am writing to formally request your assistance in resolving an ongoing issue with inaccurate information being reported on my XXXX card account by Experian. Despite disputing this information and providing all supporting documents to demonstrate that my account has been paid in full, Experian has failed to properly update my credit report. 
My concerns align with the CFPB 's previous allegations against Experian regarding violations of the Fair Credit Reporting Act ( FCRA ). These include : Sham Investigations : Experian has conducted a superficial investigation of my dispute, failing to address the documentation I submitted. They have accepted inaccurate responses from the original furnisher without critical review, leaving me with a credit report that remains incorrect and misleading. 


Reinsertion of Inaccurate Information : Despite correcting certain inaccuracies in the past, Experian has allowed the same incorrect information to reappear under a different furnishers name. This suggests a lack of adequate safeguards against the reinsertion of previously deleted information. 


These practices not only violate the FCRA but also constitute unfair acts or practices under the Consumer Financial Protection Act ( CFPA ). Experian 's actions have caused undue stress, harmed my credit profile, and undermined my ability to maintain an accurate credit record. 
I have enclosed all supporting documents for your review, including evidence that my XXXX card account has been paid in full. I urge the CFPB to take action to : Compel Experian to correct my credit report and ensure the accurate reporting of my account status. 
Implement stricter oversight of Experians dispute-handling practices to prevent harm to other consumers. 
Provide redress for the harm I have suffered due to Experians negligence. The sooner this is corrected, the complaints will stop. 
Thank you for your time and attention to this matter. 
Sincerely

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 2025-01-19 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: IL

Complaint narrative:
I came across the CFPB Experian lawsuit. 
I feel I was negatively impacted, hurting my chances at credit after receiving a response to my earlier disputes that some of the accounts came back " verified '' but didn't remove the ones that's not. I don't see any details about the investigation I need receipts and accurate information or be quick to delete.

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 2025-01-19 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Removal of Negative Items from Credit Report Dear CFPD I hope this letter finds you well. I am writing to formally request the removal of all negative items from my credit report maintained by Experian Information Solutions , Inc. As a consumer, I understand my rights under the Fair Credit Reporting Act ( FCRA ), which allows me to dispute any incomplete or inaccurate information in my credit file.

Recently, I learned about the Bureau 's lawsuit against Experian for multiple violations of the FCRA, including their failure to properly conduct reinvestigations and their inadequate handling of consumer disputes. Given these serious allegations, I believe it is imperative that my credit report be thoroughly reviewed for accuracy and fairness. 

**Request for Removal of Negative Items : ** XXXX. **List of Negative 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 XXXX XXXX XXXX XXXX XXXX  late payment that shouldn't be late. account numbers and details. ] XXXX. **Justification for Removal : ** I assert that these items are either inaccurate, incomplete, or unverifiable. Given the allegations against Experian regarding their failure to maintain accurate records and provide adequate notice of dispute results, I kindly request that all negative items be removed from my report. 

I ask that you initiate an immediate investigation into this matter. Under the FCRA, Experian is required to forward my dispute to the original furnishers of this information and to conduct a thorough reinvestigation. I expect a written response detailing the results of this investigation. 

As a consumer, I trust that my request will be taken seriously and handled with urgency. I look forward to your prompt response confirming the receipt of this letter and the actions that will be taken regarding my request. 

Thank you for your attention to this important matter. 

Sincerely, 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 2025-01-19 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: MI

Complaint narrative:
I called XXXX they say I have an attorney and they can't talk to me. I called the attorney by googling his name they said they would get back with me and I still havent heard from anyone or seen any removals of the XXXX XXXX  address which isn't mine, or the wrong telephone number Experian has on my credit report which hasn't been removed, I can't access anything on Experian or talk to anyone. It has been over 30 days with all this inaccurate reporting I may have to sue for statuaory damages on these charge offs which have been reporting past due at the same time, if they took a loss & wrote it off it isn't past due. I will sue XXXX XXXX and Experian for statutory damages.

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 2025-01-19 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: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes in the light of recent CFPB lawsuit that highlights 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 infeasible. CFPBs 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: IN

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 2025-01-19 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: SC

Complaint narrative:
Please check the information concerning the Equifax XXXX XXXX, below in attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Ive disputed several negatives on my account. Theyve been paid and for example, child support which has been terminated since XX/XX/year>, Still shows me owing money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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 to formally expressed my concerns regarding sales handling of disputes, particularly in light of the recent CFBP 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 transaction was on feasible the CFPBS finding and the case that Zelle has not only neglected to protect consumers, but has also allow 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 2025-01-19 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: FL

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, I was unfairly 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 2025-01-19 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: NC

Complaint narrative:
I am writing to formally dispute the above-referenced XXXX account that appears on my credit report. This account is fraudulent and the result of identity theft. I have previously submitted disputes regarding this account in XX/XX/year> and XX/XX/year>, along with supporting documentation, including a local police report and an FTC Identity Theft Report. 

Not only did you reinsert this account after its initial deletion, but you also failed to comply with my reinvestigation requests, as required by the Fair Credit Reporting Act ( FCRA ). Your actions indicate noncompliance with the standards set forth under FCRA and have caused undue harm to my creditworthiness. 

Under 15 U.S.C. 1681i ( a ) ( 1 ), you are required to conduct a reasonable reinvestigation of disputed information within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), you are obligated to provide me with a detailed notice of the reinvestigation results and the sources of information used to verify the account. Additionally, per 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if an account is found to be inaccurate, incomplete, or unverifiable, it must be promptly deleted or corrected, and the furnisher must be notified.

As per FCRA 605B ( 15 U.S.C. 1681c-2 ), subsection ( a ), I am demanding that the account be deleted from my credit report within four business days. Please note that I have attached a copy of the original dispute letter I previously sent via certified U.S. mail for your reference.

I formally request an immediate and thorough reinvestigation of this account and correction of my credit report to reflect its fraudulent nature. Additionally, I am requesting that you provide me with a detailed explanation of the reinvestigation process you undertook, including but not limited to : All documents, records, and communications used in your reinvestigation of the disputed XXXX account. 

A detailed description of the steps you took during the reinvestigation. 

The results of your reinvestigation, including any correspondence or communications between XXXX and your company. 

Failure to comply with these legal requirements will constitute a violation of the FCRA, and I will consider pursuing all legal remedies available to me. Please send all correspondence related to this dispute to the address provided above or via the email address listed. 

I appreciate your prompt attention to this matter and look forward to receiving the required documentation and resolution of this issue. 

Sincerely, 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
Money in the amount XXXX was sent out of my account out of error and there was no recourse from the company Zelle just kept directing me to my bank and my bank couldnt do anything and referred me back to Zelle it was headache and was never handled or the money wasnt recovered

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Aldous & Associates, PLLC
State: VA

Complaint narrative:
my info was breached i have to many hard inquiries and other stuff popped up on my credit that was not allowed by me and they wont send me anything no signature or id or any information proving anything please need help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CL Holdings LLC
State: VA

Complaint narrative:
my info was breached i have to many hard inquiries and other stuff popped up on my credit that was not allowed by me and they wont send me anything no signature or id or any information proving anything please need help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I'm filing a complaint against Navy Federal Credit Union in regard to multiple overdraft fees I have received. I had sufficient funds to cover transactions when they were authorized but due to Navy Federal Credit Union lagging with posting charges and credits I was charged fees. This issue coincides with the recent findings CFPB against Navy Federal Credit Union for similar practices where transactions settled with insufficient balances despite initially having funds available. I believe these practices are unfair and request an investigation to be made on my account and transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: FL

Complaint narrative:
Dear Experian, I am submitting this formal complaint regarding your failure to comply with Section 605B of the Fair Credit Reporting Act ( FCRA ). Despite submitting XXXX separate disputes via the CFPB ( XX/XX/XXXX and XX/XX/XXXX ), calling their customer service, and submitting a letter through their dispute portal ( XX/XX/XXXX, Experian has failed to remove the following fraudulent accounts, which should have been deleted within four business days of my initial dispute : XXXX. XXXX Account XXXX. XXXX Account XXXX. XXXX Credit Date Reported : XX/XX/XXXX XXXX. XXXX XXXX Date Reported : XX/XX/XXXX XXXXXXXX XXXX XXXX Date Reported : XX/XX/XXXX I have provided Experian with all necessary documentation, including my proof of identity, and an FTC Identity Theft Report. Despite these multiple efforts, these fraudulent items remain on my credit report, and I am still awaiting a proper resolution. Under Section 605B of the FCRA, once valid documentation is provided, fraudulent information must be removed from the credit report within four business days. This has not happened.

Experians current legal challenges with the Consumer Financial Protection Bureau ( CFPB ) further demonstrate a pattern of noncompliance with consumer protection laws. This behavior reinforces my concerns that you are not treating my dispute seriously or fairly. Should this matter not be resolved immediately, I am prepared to take legal action against Experian by filing a lawsuit. 

Your negligence directly affects my credit profile and financial well-being. I have escalated this matter to the CFPB to ensure oversight and resolution.

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 2025-01-19 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: MA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-01-19 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: MA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and corrective measures to prevent and address fraud on their platform, leaving my account unprotected and vulnerable.

Their dispute resolution process was unfair and deceptive as they did not comply with error resolution compliance under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant financial loss and inconvenience and financial loss, Im seeking appropriate redress for these violations

Company response to consumer: Closed with explanation