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: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to file a complaint against the Transunion credit reporting agency. I have on serval occasions disputed XXXX XXXX XXXX, with the Credit bureau. The agency has deleted the collection and the next month has added the collection back to the report, several times. I want to process with Description of Procedures. This gives me the right to ask the XXXX, how they verified the information. I have also requested the XXXX XXXX, not being available and the debt being securitized by the original credit, and still have not received anything from the bureau or collection agency. 

Under the current laws. LawXXXX XXXX XXXX XXXX a ) ( XXXX ) if the FCRA & XXXX XXXX XXXX this collection should be deleted 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 non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I can't remember it's been a couple years but it's a couple XXXX dollars. I made a online purchase and the company never sent the merchandise and because I paid through cashapp I requested a refund in which they did honor at first and later took back placing account in the negative. I had no way to contact cashapp and speak with anyone. I have several issues that happend last year that they fail to resolve and still no customer service rep. I've paid payments through them that they have taken so long to sent that has resulted in a disconnect.They have also charged more on some things than priced

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: EQUIFAX, INC.
State: FL

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

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

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

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

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

Complaint narrative:
On, or around, XX/XX/year> my personal financial information was accessed by an unauthorized third party posing as a government official/entity. XXXX XXXX and Affiliates posed as employees of the unofficial " Department of Government Efficiency '' and gained access to my personal federal financial information via the Treasury Department. As a U.S. Citizen, student who has received federal student aid, and as a XXXX  military service member XXXX XXXX XXXX  XXXX, this was a gross violation to my rights to privacy concerning my financial information. My military pay checks, the previous disbursements of federal aid, direct subsidized loan data, and my sensitive personally identifiable information was compromised by individual ( s ) without consent, or authority.

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: TN

Complaint narrative:
Not sure on the dates but my information was breach by the credit bureau Equifax.

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: 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: PA

Complaint narrative:
I reported that I am a victim of XXXX XXXX and they refuse to remove accounts from my credit report according to the FCRA and the DVRA they have 4 days to remove the reported items

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: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
I am submitting this complaint regarding a serious privacy violation concerning my student loan. It has come to my attention that an individual named XXXX XXXX had access to my student loan information, which he should not have had under any circumstances. This unauthorized access is a clear violation of my privacy rights and raises serious concerns about the security of my personal and financial data. 

Given this security failure and the potential misuse of my personal data, I am formally requesting that my student loan be removed. It is unacceptable that my financial records were improperly accessed, and I believe I should not be held responsible for a loan that has been compromised due to negligence. 

Please provide a detailed response outlining the steps being taken to resolve this issue, including any corrective actions against the responsible parties. Additionally, I would like to be informed of any legal options available to me. 

I appreciate your prompt attention to this matter and look forward to your response.

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: 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: TX

Complaint narrative:
Please check the information concerning Equifax data breach below in attachments

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please check the information concerning Equifax data breach below in attachments

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

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

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

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

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

Company response to consumer: Closed with explanation
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: Experian Information Solutions Inc.
State: NY

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: PA

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. Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.

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: 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:
Experian has failed to fulfill it legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of the dispute 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 furnish, 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 dispute items despite the evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action, as Experians inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My information was exposed in a data breach through the XXXX credit bureaus

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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My information was exposed in a data breach through the XXXX credit bureaus

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: 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: FL

Complaint narrative:
I requested verification from the courts on a court case listed on my credit file. I provided proof from the courts that they dont provide any court records to credit companies. I have not received any information from them yet.

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 — Their investigation did not fix an error on your report
Company: CL Holdings LLC
State: AL

Complaint narrative:
I am writing to formally dispute inaccurate and/or unverifiable information that remains on my credit report despite previous disputes. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, data furnishers are required to conduct a proper investigation and report only accurate and verifiable information.

After multiple requests, companies below has failed to provide documentation validating the accuracy and legitimacy of the disputed account ( s ). As a result, their continued reporting constitutes negligent non-compliance with the FCRA. 

The following account ( XXXX ) remain inaccurately listed on my credit report : Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Jefferson Capital Systems Account Number : XXXX XXXX XXXX Dispute Reason : incorrect information/ no knowledge of this acct Request for Immediate Action 1. Remove the inaccurate information immediately. If the furnisher can not verify the accuracy, the account must be deleted from my report.

2. Provide me with a copy of the documentation used to verify the accuracy of the reported information.

3. Notify me in writing within 30 days with the results of your investigation, as required under the FCRA.

Failure to comply with this request may result in legal action, as the continued reporting of inaccurate or unverifiable information violates federal law. I expect prompt attention to this matter and appreciate your cooperation.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
I am writing to formally dispute inaccurate and/or unverifiable information that remains on my credit report despite previous disputes. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, data furnishers are required to conduct a proper investigation and report only accurate and verifiable information.

After multiple requests, the companies below has failed to provide documentation validating the accuracy and legitimacy of the disputed account ( s ). As a result, their continued reporting constitutes negligent non-compliance with the FCRA.

The following account ( s ) remain inaccurately listed on my credit report : Account Name : XXXX XXXX XXXX National Credit System XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Dispute Reason : incorrect information Request for Immediate Action 1. Remove the inaccurate information immediately. If the furnisher can not verify the accuracy, the account must be deleted from my report.

2. Provide me with a copy of the documentation used to verify the accuracy of the reported information.

3. Notify me in writing within 30 days with the results of your investigation, as required under the FCRA. 

Failure to comply with this request may result in legal action, as the continued reporting of inaccurate or unverifiable information violates federal law. I expect prompt attention to this matter and appreciate your cooperation.

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 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 CFPBd 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 — Bounced checks or returned payments
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I am a victim of identity theft, and I have filed an Identity Theft Report with the Federal Trade Commission and a Police Report. I demand that the aforementioned fraudulent items be removed from my ChexSystems report and that all collection activity cease and be blocked within four days.

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

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 ( CFPB ). Specifically, Cash App failed to take action in a timely and or 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 Regulations 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 2025-02-09 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: FL

Complaint narrative:
I am filing this complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Euifax consistently responds stating that the accounts are accurate and verified, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act,15 U.S.C.1681i which mandates a reasonable investigation of disputes. Futhermore, Equifax 's actions may also contravene the Consumer Financial Protection Act, 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complieswith federal la and provides consumers with the necessary proff of investigation.

Company response to consumer: Closed with non-monetary relief