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: NC

Complaint narrative:
Back in XX/XX/2024 I disputed all negative items on my report and Experian responded to my complaint stating they contacted the data furnishers to verify what was being reported, and replied to my complaint claiming they sent me the information to review. None of the information I requested was ever provided to me. I did not get any contracts with my signature on them confirming I am responsible and owe any debts. I did not receive any accounting of the account in question showing payments and dates to confirm the amount. I did not receive any records of collections agencys license which proves they can practice debt collection in my state as requested. I did not receive names or contact numbers for any of the representatives who allegedly verified these debts as accurate that Experian claims they spoke to. Pursuant to 15 USC 1681i ( a ) 1 the timeframe on this request was 30 days, which Experian has failed to verify these debts. I have the right to request validation of the debt, and not just a company verifying my name and address claiming to have done business.

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

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.

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: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
My interest rate was changed from XXXX percent to XXXX percent superimposed with my signature. During the contract I was given 10 months of deferred extensions. They are saying that I am behind and delinquent with my payments. I made a payment this XX/XX/year>, which brings it down to XXXX dollars. I find out that they have charged off my auto loan XX/XX/year>. They have forced me to go to an outside payment center to make my payments with a fee. To this date I have paid XXXX in majority interest fees on a XXXX dollar car financed.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I open an account with Experian to fix my Identity theft after years of seeing no changes. I realized nothing has been removed. By Law under FCRA it say medicals records need to be removed hard inquires, student loans, bankruptcies, repos, evictions. None of these items have been removed. I need thimoved as soon as possible. They said all three credit bureaus would be repaired. Experian totally stole my money and never repaired anything. I look forward to hearing from you. 

Thank you, 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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Try to send a XXXX of {$100.00} and made a mistake and sent {$1000.00}. Called Bank of America to correct the problem and they said they would investigate approximately two days later. They said it was nothing they could do. Its just a loss. The person on the other end said theyre not sending the money back because they dont want to and they dont have to and was not directed to do so.

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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Transunion 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: 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are fraudulent accounts on my consumer report. I tried to resolve it with the consumer reporting agencies and they have not done anything concerning my case.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are fraudulent accounts on my consumer report. I tried to resolve it with the consumer reporting agencies and they have not done anything concerning my case.

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: Block, Inc.
State: CT

Complaint narrative:
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 2025-01-19 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: NE

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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

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: NJ

Complaint narrative:
I been disputed this accounts for years and it is always sent back on my credit I have a repossession from XXXX and Im XXXX years now I need it gone and a collection for XXXX $ .i need taken off I need help please

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:
Experience is being sued due to not investigating account properly and reinstate all accounts until your profile without properly doing any investigation into any of the consumer claims

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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: VA

Complaint narrative:
I have tried over the last two years to get these accounts resolved on my consumer report with the three credit bureau agencies and they keep saying the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX are coming back as verified without any documentation. I sent letters of debt validations to each of the collections agencies and neither responded to the correspondence nor offered any proof that they legally owned the debt. These 3rd party creditors have not validated that they have the rights to own the debts after being given 30 days to respond as these debts have been written off and the original creditors have sold them to a third party without my permission. They are reporting these collection as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please be advised that as of ( XX/XX/year> ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act ( 15USC 1681i ( a ) 1, 15 USC 1681i ( a ) 6 ( B ) 3, 15 USC 1681i ( a ) ( 5 ) B ). They are charge offs reporting with a balance and negative late payments on these accounts and neither of the for mentioned debtors provided a 1099-C before XX/XX/XXXX of the year accounts were written off as income. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above-mentioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. 

Warm Regards, 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
Zelle via XXXX bank disclosure not properly in place. Misleading the public to think money is safe for transfers via the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
This corporate account was established by XXXX during my former employment without my consent. At no point did I agree to accept personal liability for this account. I was instructed by a senior employee to utilize the card for business expenses and to submit requisitions for repayment. These requisitions were not reimbursed to the corporate account, resulting in unpaid balances. The employee responsible for these practices was subsequently released from the company for their misconduct. 

Despite my efforts to resolve this matter directly with XXXX, the company has failed to repay the requisition amounts owed on their account, which has been erroneously attributed to me and collection activities began in 2024. This corporate account was solely used under instructions provided during my employment, and all communication records confirm that the responsibility for this debt lies entirely with XXXX. 

I have also notified Transworld Systems Collections Inc. ( TSI ) of this obligation and my part of the obligation. To clarify and rectify this issue, I am formally requesting the following documents from XXXX XXXX XXXX, the credit card company handling the XXXX XXXX XXXX for XXXX, and from Transworld Systems Collections Inc. ( TSI ) : 1. ) Original signed contract/agreement bearing my original wet signature.

2. ) Chain of title with proof of assignment, as outlined under UCC Article 9-203.

3. ) Detailed breakdown of the debt, as required under contract law and UCC principles.

4. ) Original creditor 's accounting history, as detailed under UCC Article 9-210.

5. ) Proof of permissible purpose for reporting this account on my credit file, in accordance with FCRA, 15 U.S.C. 1681b.

6. ) Assignment agreement between the original creditor ( XXXX  ) and Transworld Systems Collections Inc., as required under UCC 9-203. 

I expect immediate action to address this matter and to remove any implication of personal liability from my name.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My auto loan with Bank of America ( BoA ) was reported XXXX  days past due to the credit agencies. My XXXX XXXX dropped from XXXX to XXXX as reported on XXXX 

I was never more than XXXX  days delinquent. I called BoA to resolve this on XX/XX/XXXX. I was told my dispute would be escalated internally to the XXXX department for XXXX. I was told I would receive formal correspondence with a decision within XXXX business days from the date of the call. It is now XX/XX/XXXX and XXXX business days have passed. I have not received the promised correspondence.

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: TN

Complaint narrative:
Dear Experian, I am writing to formally dispute the inaccurate accounts listed on my Experian credit report, which I believe were not properly investigated in accordance with the Fair Credit Reporting Act ( FCRA ). Despite my previous requests for validation and resolution of these discrepancies, it has come to my attention that a proper investigation was not conducted into the accuracy of these accounts. As a result, I request that you immediately remove these accounts from my credit report. 
On XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against your organization under Docket Number XXXX for violations related to the improper handling of consumer disputes, including the failure to conduct thorough and accurate investigations into consumer credit report discrepancies. Given the pending legal action and the clear indication of your failure to comply with the FCRAs investigation requirements, I respectfully request the immediate removal of the affected accounts from my credit file. 
As outlined in the CFPB lawsuit, your failure to properly investigate disputed information violates my consumer rights under federal law. As you are aware, the FCRA mandates that credit reporting agencies conduct a reasonable investigation upon receiving a dispute, and provide verified results in a timely manner. The failure to adhere to these provisions has caused significant harm to my creditworthiness, and I insist on the removal of the inaccurate accounts until such time as a proper investigation can be conducted. 
Please consider this letter a formal dispute and demand for resolution under the FCRA. I expect your prompt action in this matter. Kindly notify me in writing of the results of your investigation and confirm the removal of the disputed accounts from my credit report. 
Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
In accordanse with the Fair Credit Reporting Act. The list of the accounts below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, Has violated my rights. 

I have never been late on these accounts. You stated the account information was verified. I then specifically requested additional information about the Method of Verification used. You are required to respond within 15 days. You FAILED to do so in a timely and responsive manner and are in violation of federal regulations.

I am making a final XXXX  attempt to have this matter resolved. As such, you must now remove the late payment information and mark the account as paid as agreed.

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: 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: TX

Complaint narrative:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my 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