vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 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: VA

Complaint narrative:
I am writing to formally file a complaint against TransUnion for reporting inaccurate information on my credit report. Despite multiple attempts to dispute this error directly with TransUnion, they continue to report incorrect data. 

Specifically, TransUnion is inaccurately reporting that I had two car loan accounts with XXXX XXXX XXXX This is false. I have only ever had one car loan with XXXX XXXXXXXX XXXX Furthermore, my only account with them was closed and was paid satisfactorily. There is no valid reason for a second account to be appearing on my credit report. 

This misreporting is a clear violation of the Fair Credit Reporting Act ( FCRA ) 1681i, which mandates that consumer reporting agencies must conduct a reasonable investigation into disputed information and correct any inaccuracies. The presence of this erroneous account on my credit file is negatively affecting my credit profile and could impact my ability to obtain credit in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: MI

Complaint narrative:
XXXX XXXX has been abusing credit report. They are not report any payments and constantly reporting me as late

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 2025-02-09 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: MI

Complaint narrative:
XXXX XXXX has been abusing credit report. They are not report any payments and constantly reporting me as late

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 2025-02-09 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: MI

Complaint narrative:
XXXX XXXX has been abusing credit report. They are not report any payments and constantly reporting me as late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
A company called XXXX XXXX were removing funds from my account consistently and I was complaining because I did not know the company I asked for a refund for all the transactions and they refused to give refund and they did not give me a live representative or a phone number to actually speak with a representative about this situation. They charge my account on XX/XX/year> 3 times in amount of {$9.00} each then on XX/XX/year> XXXX payments taken in amount of {$9.00}, XX/XX/year> {$9.00} then I was told by other consumers how to loc my card and keep them from charging my account and then how to remove my link bank account info. Cashapp was just withdrawing money from my bank account on their own without my consent to pay this company. I also had made a purchaser for a photo to be created for my book cover and that persons company was not a legit company so I complained to Cashapp and they refused to refund my money so I took that lost as well, I am not happy with Cashapps service. It's very hard to complain and to receive your refund. I would like to be compensated to the fullest. I also was scammed by or frauded by some individuals with 3 transactions over {$100.00} a piece 3 times. I reached out to Cashapp and they were extremely rude and told me to deal directly with the individuals that frauded me and I did not know them and at that time Cashapp was allowing people to take money if it was on your cashapp account. XX/XX/XXXX XXXX XXXX The fraudsters name XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX {$140.00} XXXX {$140.00}, XXXX XXXX {$140.00}. Cashapp allowed these people to block me so I could not request for funds after they scammed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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:
I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.

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 2025-02-09 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: SC

Complaint narrative:
I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.

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 2025-02-09 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: GA

Complaint narrative:
In early 2024, XXXX XXXX XXXX XXXX XXXX XXXX  experienced a data breach that exposed sensitive personal information of millions of people. The breach involved the theft of Social Security numbers, names,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: GA

Complaint narrative:
I am writing to formally dispute the reporting of child support information on my credit report under the Fair Credit Reporting Act ( FCRA ) and Title IV of the Social Security Act. Upon reviewing my credit report, I found inaccurate or outdated information regarding child support that negatively impacts my credit profile. 

Under the FCRA ( 15 U.S.C. 1681 ), credit reporting agencies are legally required to ensure maximum accuracy and fairness in consumer credit reporting. The inclusion of child support information on my report does not meet these standards, as it is not a traditional credit obligation, nor does it pertain to my creditworthiness. Including such information violates my rights under federal law.

Additionally, I am invoking Title IV-D of the Social Security Act, which governs the administration of child support programs. While Title IV-D is designed to ensure child support enforcement, it does not mandate that such obligations be included in a consumer 's credit profile, especially if doing so adversely affects one 's credit standing without a clear basis. 

As a consumer, I am entitled to a fair and accurate reflection of my credit history. 
Therefore, I am requesting the immediate removal of all references to child support obligations from my credit report, in compliance with federal regulations that mandate accuracy, fairness, and respect for consumer privacy. 

Please investigate this matter thoroughly and send me written confirmation of the removal within the legally prescribed 30-day investigation period under the FCRA. 

Thank you for your attention to this matter. I look forward to your timely response and a resolution that ensures my rights as a consumer are protected.

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 2025-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: MI

Complaint narrative:
There was a breach of sharing my private information compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is clear violation of FERPA and your responsibility to safeguard my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I got denied access to my accounts, they were closed I had money in the account nothing was sent to me after they closed my accounts. When asked why my accounts were closed they said they couldnt tell me and hung up the phone. I continue to receive statements from my accounts and saying I have access but when I try to access my money and account the account is no longer there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I filed a dispute with the XXXX company using their dispute platform. On XX/XX/year> I received the notice that the collections and charge-offs were accurate and complete. File XXXX XXXX  is the case number. For XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2025-02-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
XXXX XXXX was in charge of my account from Affirm and it was paid off on XX/XX/2025 via debit card in the amount of {$37.00} as per the settlement amount. I called Affirm to inquire on why my account did not reflect the amount of payment on XX/XX/XXXX as I was told my XXXX XXXX that payment is sent expeditiously to the reporting company. I was told by the Affirm rep that payment was not received and I called back on Monday XX/XX/2025. Upon calling back, I was not receiving any proper assistance from the representative as this person seemed perplexed and was hard to communicate with. I requested to speak with a supervisor, her name is XXXX, and when I spoke with her she doubted that I made payment. I couldn't believe that she was accusatory in that nature because I have all verifiable proof. I called XXXX XXXX  and spoke with XXXX XXXX XXXX XXXX  on XX/XX/2025 and explained the unprofessionalism I was faced with dealing with Affirm. I merged the call so all parties can be on the phone and it was confirmed that I made payment and XXXX sent out the required information to Affirm. She was flustered that I was advocating for myself and not standing for her actions. I also forwarded the confirmation of payment email as per XXXX the Affirm 's supervisor 's request on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, all three of us being on that recorded line she indicated it would take 3-5 business days approximately for the matter to be rectified ( Case # XXXX ). I called back again on XX/XX/2025 because I did not receive any correspondence from Affirm and I was directed to a supervisor named XXXX again that said my case is with the escalations team. No time frame was provided to me this time and the company is not proactively handling this matter. I am ready to close my account and do business elsewhere as this shows the capacity of how Affirm handles urgent matters. There's no regard for consumers based off actions presented. I would like for Affirm to do their due diligence and rectify the situation as they are required to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-09 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: Self Financial Inc.
State: FL

Complaint narrative:
This account got hijacked and was used fraudulently with out my consent or knowledge I had open up investigation with all the credit bureau XXXX XXXX XXXX XXXX  has removed this account for my credit report completely. XXXX has done multiple investigations that last over 30 days and still keeps the account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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 am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account 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 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
The account was suddenly closed with {$2000.00} available in funds in the account then unaccessible due to no live agents nor no response or answers from contact consumers with the company still to this day unaccessible account because of an old phone number listed on the account needed to be verified after verified phone number the account then suddenly closed my account withholding my funds in the account with an active balance I used my maiden name on first XXXX then later switched it to XXXX and pictures

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: GA

Complaint narrative:
I pulled my annual credit report and noticed that XXXX XXXX XXXX XXXX XXXX XXXX  list an account in defaulton my credit reports ExuifaxXXXX XXXX XXXX XXXXXXXX. Please note that Equifax data breach on XX/XX/year> : The web portal XXXX XXXX breached, and XX/XX/year> : Attackers began moving into other parts of the network and exfi ltrating data. It took Equifax XXXX XXXX : to discover the breach and did not notify the public until XX/XX/year>. This is not my account and I would like itremoved from my credit fi les.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: GA

Complaint narrative:
I pulled my annual credit report and noticed that XXXX XXXX XXXX XXXX XXXX XXXX list an account in defaulton my credit reports XXXX, Experian and XXXX. Please note that XXXX data breach on XX/XX/year> : The web portal XXXX XXXX breached, and XX/XX/year> : Attackers began moving into other parts of the network and exfi ltrating data. It took XXXX XXXXXXXX XXXX : to discover the breach and did not notify the public until XX/XX/year>. This is not my account and I would like itremoved from my credit fi les.

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I pulled my annual credit report and noticed that XXXX XXXX  list account number XXXX list an account in defaulton my credit reports XXXX, XXXX and TransUnion. Please note that XXXX data breach on XX/XX/year> : The web portal wasfi rst breached, and XX/XX/year> : Attackers began moving into other parts of the network and exfi ltrating data. It took XXXX XXXX XXXX XXXX to discover the breach and did not notify the public until XX/XX/year>. This is not my account and I would like itremoved from my credit fi les.

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 2025-02-09 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: AZ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This debt shows as a collection account on my credit report. It is reporting that I opened the account with them In XXXX of 2024. I have never made a payment to Portfolio Recovery Assosciates. I have never enetered into a credit card agreement with them either. I would never have opened an account in 2024 as I fell on a serious financial crisis at that time. 
They are saying I owe them XXXX. They list themselves as the original creditor from XXXX XXXX. These are all false. I dispute it and they say dispute settled. Then they wrote on my credit report that the consumer disagrees!!! Yes I disagree because it is false. Show me the proof!! This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute and request complete verification of a XXXX XXXX XXXX collection account appearing on my credit report. I received a collection notice without any supporting documentation, which I am attaching to this dispute. This unverified collection is currently preventing me from securing housing for my family. 
Critical Information : Property was sold on XX/XX/year> Account shows charges after the sale date Received collection letter without any debt validation No proof of debt ownership was provided No original contract or payment history included I formally request the following documentation : A. Original Creditor Documentation : Complete copy of original bearing contract with signatures Original account opening date Original account number Proof of coverage dates and termination Verification that charges are only for the period I owned the property B. Payment Verification : First payment date and amount Last payment date and amount Complete payment history Current balance calculation C. Transfer Documentation : Chain of ownership of debt Verification of collection authority Dates of account transfer Under the Fair Credit Reporting Act ( FCRA ), you are required to : Conduct a reasonable investigation Verify the accuracy of the information Provide all relevant documentation Remove any information that can not be fully verified This matter requires urgent attention as it is directly affecting my family 's housing situation. I request that this item be investigated and resolved within 30 days as required by the FCRA. If complete verification can not be provided, this item must be removed from my credit report.

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