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: 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 Experian has neither corrected nor removed 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 Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
I am filing a complaint against XXXX XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX 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 XXXX XXXX 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 admininistration proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX XXXX complies with federal law and provides consumers with the necessary proof of investigationXXXX XXXX has violated so many federal laws. I am requesting my money reissued and reimbursed and sent to my new address at XXXXXXXX XXXX XXXX XXXX XXXXXXXX SC XXXX ; My former address was XXXX XXXX XXXX XXXX XXXX SC XXXX when i utilized XXXX XXXX XXXXXXXX never received my settlement funds and am requesting a reissue of my settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: SC

Complaint narrative:
I am writing to express my deep frustration and formally dispute the failure to reinvestigate the improper removal of my credit card account with XXXX XXXX ( Account Number : XXXX ). Despite my previous request for a thorough review of this matter, no meaningful action has been taken to address this issue or correct the error. 

This account was closed based on an alleged fraud concern, which I have repeatedly clarified is unfounded. I have provided all necessary documentation and information to demonstrate that I legitimately opened this account and that no fraudulent activity occurred. However, the failure to reinvestigate this matter and ensure a proper resolution has caused undue harm to my credit profile and financial standing. 

I remind you that under the Fair Credit Reporting Act ( FCRA ), financial institutions and the CFPB have a duty to investigate disputes promptly and accurately. The continued inaction on this matter constitutes a violation of my rights as a consumer, and I demand immediate corrective action. 

For your reference, my identifying information is as follows : Full Name : XXXX XXXX XXXX of Birth : XX/XX/year> Social Security Number : XXXX Address : XXXX XXXX XXXX, XXXX XXXX SC XXXX I expect the CFPB to immediately initiate a comprehensive reinvestigation into this matter and compel XXXX  XXXX to rectify their error. I further request a written explanation detailing the steps taken to resolve this dispute and the outcome of your investigation. 

Should this issue remain unresolved, I am prepared to escalate my complaint to other regulatory bodies, including seeking legal counsel, to ensure that my rights are upheld. 

You may contact me directly at XXXX or XXXX for further clarification or additional documentation. I demand prompt action and a resolution to this ongoing issue without further delay. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: SC

Complaint narrative:
I am writing to express my deep frustration and formally dispute the failure to reinvestigate the improper removal of my credit card account with XXXX XXXX ( Account Number : XXXX ). Despite my previous request for a thorough review of this matter, no meaningful action has been taken to address this issue or correct the error. 

This account was closed based on an alleged fraud concern, which I have repeatedly clarified is unfounded. I have provided all necessary documentation and information to demonstrate that I legitimately opened this account and that no fraudulent activity occurred. However, the failure to reinvestigate this matter and ensure a proper resolution has caused undue harm to my credit profile and financial standing. 

I remind you that under the Fair Credit Reporting Act ( FCRA ), financial institutions and the CFPB have a duty to investigate disputes promptly and accurately. The continued inaction on this matter constitutes a violation of my rights as a consumer, and I demand immediate corrective action. 

For your reference, my identifying information is as follows : Full Name : XXXX XXXX XXXX of Birth : XX/XX/1986 Social Security Number : XXXX Address : XXXX XXXX XXXX, XXXX XXXX SC XXXX I expect the CFPB to immediately initiate a comprehensive reinvestigation into this matter and compel XXXX  XXXX to rectify their error. I further request a written explanation detailing the steps taken to resolve this dispute and the outcome of your investigation. 

Should this issue remain unresolved, I am prepared to escalate my complaint to other regulatory bodies, including seeking legal counsel, to ensure that my rights are upheld. 

You may contact me directly at XXXX or XXXX for further clarification or additional documentation. I demand prompt action and a resolution to this ongoing issue without further delay. 

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 2025-01-26 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: SC

Complaint narrative:
I am writing to formally dispute and demand immediate action regarding your failure to reinvestigate the numerous errors reported by the South Carolina Department of Social Services ( SC DSS ) on my credit profile. These errors include but are not limited to : Re-aging of the account : The account 's delinquency date has been inaccurately modified to make it appear newer than it is. 
Incorrect payment history : Payments I made are not accurately reflected, leading to a distorted account status. 
Erroneous amounts : The amounts owed and reported are inconsistent with the actual balance. 
These inaccuracies have severely damaged my credit profile, causing unwarranted harm to my financial reputation and opportunities. 

Under the Fair Credit Reporting Act ( FCRA ) ( 611, 15 U.S.C. 1681i ), I am entitled to : A prompt and thorough reinvestigation of disputed information. 
Correction or deletion of any information that is found to be inaccurate, incomplete, or unverifiable. 
Written notice of the results of the reinvestigation within 30 days of my dispute. 
Your failure to ensure compliance with these provisions is a clear violation of my rights under the FCRA. Furthermore, the SC DSS 's failure to provide accurate and verifiable information violates their obligations as a data furnisher under 623 of the FCRA ( 15 U.S.C. 1681s-2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Casp App ( Block , Inc. ) due to inadequate customer service and unfair practices violating the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to make timely and effective measures to prevent and address fraud on its platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with the 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 2025-01-26 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: CA

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 ( 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. 
These are the accounts I have marked as inaccurate : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: GA

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 charged overdraft fees. 

This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Credit Federal Union, where transactions settled with insufficient balance 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 2025-01-26 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 have late payments that are not prohibited to be reporting on my report due to the TILA section ( 1666b & 1637 ( b ) ) and FCRA section ( 1681s-2 & 1681 ) they keep sending letters back saying verified but i know they are not doing their jobs. 
the accounts are XXXX XXXXXXXX XXXX XXXX  acct # XXXX limit XXXX have XXXX late payments on whole account which i was not late XXXX XXXX  acct # XXXX limit XXXX have XXXX late payments which i was never late XXXX XXXX acct XXXX limit XXXX XXXX XXXX acct # XXXX limit XXXX and the law that congress passed 15usc 1666 ( a ) & ( b ) a creditor may not treat a ( PAYMENT ) on a credit card account under an open end consumer credit plan as LATE for any purpose. 
please update these and handle in a timely matter thank you. 
unauthorized inquires XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX amount of XXXX law that congress passed 15 usc 1681 i 15 usc 1681s-2 26 u.s code 9816 its unlawful to report medical bills to credit.

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 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: MO

Complaint narrative:
Sofi Bank has locked my account and claims it is under review and is temporarily restricted. It was opened in the XXXX 2024. I have been able to use and access the account in the past. There are ample funds, the checkbook and debit card are in my possession. They could not tell me what the issue is, or how long it is under review. They will not allow me to access any of the funds. It is very frustrating and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: NC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX ; Case XXXX CC : The Consumer Affairs ; Federal Trade Commission XXXX Consumer Financial Protection Bureau These accounts were opened in my name without my knowledge and continue to damage my personal character and financial well-being. Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within four business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. Experian received these materials, yet the unauthorized accounts remain on my credit report, continuing to damage my credit standing and financial reputation, and continue sending stall letters, which is frivolous. 
Fraudulent Transaction : XXXX XXXX : Balance : {$21000.00} : Opened : XXXX XXXX, XXXX ( REPOSESSION )? 
Fraudulent Transaction : XXXX  : Balance : {$840.00} : Opened : XXXX. XXXX, XXXX Fraudulent Transaction : XXXX  XXXX XXXX XXXX : Balance : {$410.00} : Opened : XXXX XXXX, XXXX Fraudulent Transaction : XXXX XXXX XXXX : Balance : {$360.00} : Opened : XXXX. XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX : XXXX. XXXX, XXXX ; XXXX. XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : Inquiry : XXXX. XXXX, XXXX ; XXXX. XXXX, XXXX & XXXX XXXX, XXXX XXXX on the CFPBs recent lawsuit against Experian for sham investigations of consumer disputes and improper reinsertion of deleted information, I am concerned that you may fail to meet your obligations under federal law. Inaccurate information has already negatively impacted my ability to obtain credit. I demand that Experian to conduct a comprehensive investigation of the disputed accounts and inquiries, provide me with verifiable documentation, such as signed contracts, substantiating the legitimacy of the disputed entries, and permanently delete any unverifiable, inaccurate, or fraudulent information from my credit report. I AM BEING PSYCHOLOGICALLY HARASSED.

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 2025-01-26 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: MD

Complaint narrative:
To Whom It May Concern, I am writing to file a complaint against Navy Federal Credit Union for their unlawful practice of charging surprise overdraft fees. From XXXX to XXXX, XXXX XXXX illegally charged me and other customers overdraft fees in two ways : 1. They charged overdraft fees even when my account had sufficient funds at the time of the transaction. The fees were only applied later when the purchase posted, resulting in a negative balance. This is an unfair and deceptive practice that cost me significant sums over the years. 

2. Navy Federal also charged me overdraft fees when I received money through XXXX XXXX XXXX like XXXX or XXXX. Even though the funds appeared available, the credit union failed to disclose that the money would not actually post until the next business day. I was then hit with unexpected overdraft fees when I tried to use these pending funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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:
Due to the multiple data breaches across the country, including the exposure of personal information such as my Social Security number, unauthorized accounts were opened in my name. As a result, my credit report was negatively impacted, and I was recently denied a mortgage while trying to purchase a home. All unauthorized accounts have been listed in this report for further review and action. 

XXXX XXXX XXXX XXXX Closed XX/XX/year> {$11000.00}

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 2025-01-26 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:
Due to the multiple data breaches across the country, including the exposure of personal information such as my Social Security number, unauthorized accounts were opened in my name. As a result, my credit report was negatively impacted, and I was recently denied a mortgage while trying to purchase a home. All unauthorized accounts have been listed in this report for further review and action. 

XXXX XXXX XXXX XXXX Closed XX/XX/year> {$11000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally address your failure to correct inaccurate information on my credit report. Despite my prior dispute and request for verification, the issue remains unresolved, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o for negligent non-compliance.

Failure to address this issue will leave me no choice but to seek legal remedies, including filing a claim for damages as permitted under 15 U.S.C. 1681o.

Please consider this letter as a final opportunity to correct the error before further action is taken. 

Thank you for your prompt attention to this matter. I look forward to your resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: NY

Complaint narrative:
I am filling a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX 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, Experian '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 Experian 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 2025-01-26 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: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.I want the CFPB to publish

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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:
TransUnion XXXX XXXX XXXX XXXX  Are reporting inaccurate information on my account, they have shared my information without my consent to third parties, authorizing fraudulent transactions and activities to occur within my account after alerting them to the inaccuracies. They have addresses that are non reportable on file in which I have not resided nor done business in or at and due to the problems at hand It has caused a financial hardship leaving me and my children, homeless, immobile and unable to do something as simple as rent a home even with the funds available to cover the expenses

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