vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Dispute Regarding Inaccurate Late Payment Reporting for XXXX MTR Account Dear CFPB, I am filing this complaint regarding the inaccurate late payment reported on my credit file for the account listed below. Despite multiple requests for correction through disputes submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, no changes have been made. This persistent inaccuracy constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Information : Account Name : XXXX XXXX  Account Number : XXXX Account Status : Closed/Paid High Balance : {$36000.00} Late Payment Reported : XX/XX/XXXX Errors and Discrepancies : 1. Late Payment Dates : A XXXX late payment is inaccurately reported for XX/XX/XXXX across TransUnion, XXXX, and XXXX. This discrepancy is false, as no payment was due or late for the stated period. 
2. Two-Year Payment History : All months are marked " OK '' in the two-year history section, yet the reported 30-day late payment contradicts this accurate record.

3. Inconsistent Reporting : XXXX and XXXX fail to provide the date of the last verification, violating the FCRA requirement to ensure information accuracy. 
4. Failure to Update Information : Despite multiple dispute submissions on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the reported information remains unchanged. 
Legal Violations : Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681i, credit bureaus are required to ensure accuracy in consumer files. This has not been upheld, as evidenced by the uncorrected inaccuracies in my report.

Truth in Lending Act ( TILA ) : As stipulated in 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before payment due dates. The inaccurate late payment reporting implies non-compliance with this requirement. 

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces creditor responsibility to provide timely and accurate statements. The continued reporting of false late payments demonstrates a breach of these obligations. 
Desired Resolution : 1. Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit file. 
2. Written confirmation of the correction to ensure compliance with the FCRA and TILA. 
Failure to resolve this matter promptly will result in further actions, including additional complaints to the CFPB and possible legal recourse. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Dispute Regarding Inaccurate Late Payment Reporting for XXXX XXXX  Account Dear CFPB, I am filing this complaint regarding the inaccurate late payment reported on my credit file for the account listed below. Despite multiple requests for correction through disputes submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, no changes have been made. This persistent inaccuracy constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Information : Account Name : XXXX XXXX Account Number : XXXX Account Status : Closed/Paid High Balance : {$36000.00} Late Payment Reported : XX/XX/XXXX Errors and Discrepancies : XXXX. Late Payment Dates : A XXXX late payment is inaccurately reported for XX/XX/XXXX across TransUnion, XXXX, and XXXX. This discrepancy is false, as no payment was due or late for the stated period. 
XXXX. Two-Year Payment History : All months are marked " OK '' in the two-year history section, yet the reported XXXX late payment contradicts this accurate record. 
XXXX. Inconsistent Reporting : XXXX and XXXX fail to provide the date of the last verification, violating the FCRA requirement to ensure information accuracy. 
XXXX. Failure to Update Information : Despite multiple dispute submissions on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the reported information remains unchanged. 
Legal Violations : Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681i, credit bureaus are required to ensure accuracy in consumer files. This has not been upheld, as evidenced by the uncorrected inaccuracies in my report.

Truth in Lending Act ( TILA ) : As stipulated in 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before payment due dates. The inaccurate late payment reporting implies non-compliance with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces creditor responsibility to provide timely and accurate statements. The continued reporting of false late payments demonstrates a breach of these obligations.

Desired Resolution : 1. Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit file. 
XXXX. Written confirmation of the correction to ensure compliance with the FCRA and TILA. 
Failure to resolve this matter promptly will result in further actions, including additional complaints to the CFPB and possible legal recourse. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: MI

Complaint narrative:
DISCLOSURE STATEMENT REQUEST Re : Fraudulent XXXX XXXX XXXX XXXX Account ( XXXX ) Notice to agent is notice to principle. Notice to principle is notice to agent Name the original creditor? 

Name the address of the creditor or assignee? 

What are the terms of assignment contract? 

What are the full account numbers for this account? 

Please list the particular products or services sold by the collector to the debtor and the dollar amount of each item. 

Have any insurance claims been made by any creditor or assignee regarding this account? 

Has the reported balance of this account been used in any tax deduction claims? 

Upon failure or refusal of collector to validate this collection action. Collector agrees to waive all claims against the debtor made herein and agrees to pay debtor all cost and attorney fees involved in defending this action. 

Please return this completed form and attach all assignment or other transfer agreements that will establish your right to collect this debt. 

Your claim can not be considered for any portion of this form is not completed and returned with the required documents. 

This is a request for validation made pursuant to the fair credit debt collections practices act. If you do not respond as required by law, your claim will not be considered. And, you may be liable for damages for continued collection efforts. 
Please allow 30 days for processing after receipt of your request.

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 2025-01-16 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:
DISCLOSURE STATEMENT REQUEST Re : Fraudulent XXXX XXXX XXXX XXXX Account ( XXXX ) Notice to agent is notice to principle. Notice to principle is notice to agent Name the original creditor? 

Name the address of the creditor or assignee? 

What are the terms of assignment contract? 

What are the full account numbers for this account? 

Please list the particular products or services sold by the collector to the debtor and the dollar amount of each item. 

Have any insurance claims been made by any creditor or assignee regarding this account? 

Has the reported balance of this account been used in any tax deduction claims? 

Upon failure or refusal of collector to validate this collection action. Collector agrees to waive all claims against the debtor made herein and agrees to pay debtor all cost and attorney fees involved in defending this action. 

Please return this completed form and attach all assignment or other transfer agreements that will establish your right to collect this debt. 

Your claim can not be considered for any portion of this form is not completed and returned with the required documents. 

This is a request for validation made pursuant to the fair credit debt collections practices act. If you do not respond as required by law, your claim will not be considered. And, you may be liable for damages for continued collection efforts. 
Please allow 30 days for processing after receipt of your request.

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 2025-01-16 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: MO

Complaint narrative:
Under 15 U.S. Code 1681g, commonly referred to as the Fair Credit Reporting Act ( FCRA ), consumers have the right to request a full disclosure of the information held by credit reporting agencies about their credit history. Specifically, this section mandates that a consumer is entitled to receive a complete and accurate copy of their credit report upon request. In light of this, I am disputing the charge-off listed on my credit report from XXXX XXXX XXXX as the information provided appears to be inaccurate or incomplete. According to the FCRA, all information on a consumer 's credit report must be accurate, verifiable, and reported in a timely manner. It is my contention that the charge-off in question is either erroneous or was not properly verified by the creditor before being reported. Given that I am entitled to a clear and accurate representation of my credit history, I request that the credit reporting agency investigate this matter in accordance with 1681i, which requires investigations to be conducted promptly and corrections made if necessary. If the charge-off can not be substantiated with appropriate documentation, I ask that it be removed from my credit report as required by the law. I am exercising my rights under the FCRA to ensure that my credit history remains fair and accurate.

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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
I am filing a complain 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 a 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 2025-01-16 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: TX

Complaint narrative:
CFPB has recently filled a lawsuit against Experian, alleging systemic issues such as failing 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 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 inactions violates federal laws 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 2025-01-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX Re : Request for Debt Validation Dear Experian, I am writing in response to your recent communication regarding the alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you validate this debt. 
Please provide the following information : XXXX. The amount of the alleged debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Secured Loan with account # XXXX XXXX. The name of the original creditor. 
XXXX. A copy of the original agreement or contract that creates the debt, or an account statement showing the history of the debt. 
XXXX. Any judgment details if the debt is related to a judgment. 
XXXX. Proof that you are legally authorized to collect this debt in my state. 
Until I receive this information, I request that you cease all collection activities, including reporting this debt to credit bureaus. If you are unable to provide the requested validation, I expect that you will promptly remove this account from my records. 
Please send all documentation to my address listed above. I look forward to your prompt response. 

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 2025-01-16 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: TX

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 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 customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Early Warning Services, LLC
State: KS

Complaint narrative:
Many years ago I used zelle to transfer money and a large amount of money was taken from my account and I was logged out of zelle unable to see where it had gone. I could not figure out how to see the history on zelle and was unable to retrieve my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: WA

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 settles 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 2025-01-16 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: NC

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
Last year around XXXXXXXX XXXX XXXX  I was promised tickets to a game by someone and they had requested money over a digital currency platform. The tickets ended up being fake and the money was already sent. Despite being scammed the company had no regulation against this situation and was not able to issue a refund and the money was gone. I looked through forums and their website and nothing could be done. It was a lesson learned but learned lessons should not be at the cost of my assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: TX

Complaint narrative:
I was a client of Lexington law and was charged unwarranted fees and incorrect amounts were paid even after the account was closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: AL

Complaint narrative:
Im writing to file a complaint against Navy Federal Credit regarding multiple over draft fees I have incurred. Despite having accurate funds when the transaction were authorized I was charged fees due to lagging posting of charges and credit. This issue aligns with different 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 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 2025-01-16 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: TX

Complaint narrative:
I am formally expressing my concern regarding my bank and Zelles handling of disputes particularly due to the recent CFPB lawsuit highlighting these issues. My concerns were never handled adequately and as the lawsuit highlights these issues are ongoing and Zelle is neglecting to protect its customers. This is unacceptable and raises huge concerns around consumer safety and privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: Early Warning Services, LLC
State: TN

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX ( Zelle ) took multiple unauthorized payments totaling {$1200.00}, as well as having to close my bank account due to non-reimbursement of funds due to non-authorization.

Company response to consumer: Closed with explanation