vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XX/XX/XXXXXXXX Account # : XXXX Balance : {$440.00} XX/XX/XXXXXXXX Account # : XXXX Balance : {$340.00} XXXX XXXX XXXX Account # : XXXX Balance : {$680.00} XX/XX/XXXXAccount # : XXXX Balance : {$800.00} XXXX XXXX XXXX Account # : XXXX Balance : {$830.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the 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 2025-01-25 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: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: NV

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I called on numerous occasion to request 1099c the accounts that are charged off/written off and I was told they could not provide that. They have reported it to the IRS as a lost but coming after me. They are committing fraud

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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
Consumer complaint received 2025-01-25 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX watches Subject : Dispute of Civil Liability for Negligence and Non-Compliance ( Section 16810 ) I hope this letter finds you well. I am writing to formally dispute the claim made against me regarding civil liability for negligence and non-compliance under Section 16810. After careful review of the circumstances surrounding this claim, I believe it to be inaccurate and unjustified.

To elaborate, Section 16810 specifically addresses civil liability in cases of negligence, as well as non-compliance with established duties or standards. However, upon reviewing the facts of this case, I maintain that [ insert the key reasons you dispute the claim e.g., your compliance with regulations, evidence of no negligence, or other mitigating factors ].

Moreover, I believe that certain key elements of the claim, such as [ mention any specific details you believe were mishandled or misrepresented ], were either misinterpreted or not properly considered in the evaluation of this matter. I would appreciate the opportunity to resolve this dispute amicably and avoid any further legal escalation.

As such, I respectfully request the following : A detailed review of the claim in light of the above considerations.

A meeting or discussion to clarify the circumstances surrounding this claim.

A formal reconsideration of the determination made in relation to Section 16810.

Should you require any additional information or documentation to assist in the resolution of this dispute, please feel free to contact me at [ your phone number ] or [ your email address ].

Thank you for your attention to this matter. I look forward to your prompt response and the opportunity to resolve this issue fairly. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The company keeps changing the account open and pay date to age the report on the credit file. No matter how many request attempted, I still have not received the correct dates. This account should have been closed and removed from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX I loaded more than {$500.00} to my XXXX XXXX XXXX account. On the XXXX of XXXX I cashed out {$250.00} going to my cash app account $ XXXX. Out of the {$250.00} the company sent {$200.00} from one cash app account, and {$24.00} from another cash app account, and there was a {$25.00} processing fee. When I logged into my cash app to accept the payments both of them failed. I am attaching screenshots from my cash app as well as emails that I received from cash app showing that the payments failed. I am also attaching screenshots that I submitted to the company. I would like the company to either put my {$250.00} back on my account or resend the money to my cash app account. I am also sending a screenshot from their terms and conditions of their user agreement that says they only issue gift cards for winnings. That is not true this company is running a gambling app that is not licensed with the trade commission. Please put this company under investigation so they can be shut down

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: CA

Complaint narrative:
I have been dealing with repercussions of identity theft for quite some time now, and I have had many accounts removed from my credit report that were the result of identity theft/fraud. Now, however, XXXX XXXX continues to add the same fraudulent account back to my credit report despite my pleas to listen to my legal requests that label these as fraudulent. The account with XXXX  XXXX, ACCT # XXXX, along with another account XXXX XXXX, ACCT # is a FRAUDULENT account, a result of IDENTITY THEFT, and must be removed from my consumer file within 4 business days, in accordance with FCRA 15 U.S. Code 1681b & 1681c. Please follow the lawful requirements of the FAIR CREDIT REPORTING ACT OF 1977. If you are not to abide by our written laws of this nation, I demand in writing, a statement detailing exactly how your investigation took place, your findings that prove the accounts belong solely to me and that no fraudulent activity or identity theft took place. Also, I am demanding a reinvestigation, also detailed in writing, with wet ink signatures, the process in which the reinvestigation took place and the findings and any other pertinent materials relating to this matter. 
I am looking forward to your swift reply, thank you.

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 2025-01-25 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: LA

Complaint narrative:
I filed a dispute of my credit report due to incorrect information. XXXX has failed to investigate my dispute properly.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I filed a dispute of my credit report due to incorrect information. XXXX has failed to investigate my dispute properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: Kinum, Inc., Indianapolis, IN Branch
State: OK

Complaint narrative:
I AM REQUESTING THAT THIS KINUM # XXXX ACCOUNT BE REOMVRD FROM MY CREDIT REPORT. I HAVE NEVER HEARD OF THIS COMPANY YET ALONE MADE ANY PAYMENT WITHT HIS COMPANY. THIS COMPANY IS FALSLY REPORTING THROUGH EXPERIAN MONTH BY MONTH TO MONTH TO COLLECT A DEBT THAT I AM NOT AWARE OF! XXXX HAS BE AVOIDING MY DISPUTES AND AS NOT VERIFIYING THIS COMPANY REPORTING SCHEME. PLEASE CAN YOU REMOVE THIS ACCOUNT AND IT IS IMPACTING MY ABILITY TO PURCHASE HOME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
late payment is incorrectly reported, in accordance with 15 U.S.C. 1681s2 I have found some information that is inaccurate on my credit report. I don't believe these accounts were ever paid late as it is reported. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible or be change to Paid as Agreed never late. The items in question are : XXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: TX

Complaint narrative:
late payment is incorrectly reported, in accordance with 15 U.S.C. 1681s2 I have found some information that is inaccurate on my credit report. I don't believe these accounts were ever paid late as it is reported. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible or be change to Paid as Agreed never late. The items in question are : 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 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I've sent multiple dispute notices in good-faith instructing ABSOLUTE RESOLUTIONS INVESTMENTS to remove the inaccurate information being furnished on my consumer report ( XXXX ) and shared to thirdparties without my consent, which have been ignored.On XX/XX/XXXX, PRESSLER FELT AND WARSHAW sent me a pile of statements received from the alleged creditor as proof that I owe your Company a debt but a copy of the consumer credit contract and/or bill is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account as per XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This notice is to inform you that the information being furnished on my consumer report is a result of identity theft. Any collection attempts against me without properly validating the alleged debt ( XXXX ) constitutes as harassment and defamation of character creating a false public record by use of mails and wire communications, with intent to to obstruct lawfully communicated information, and are subject to to liability for damages, as well as statutory damages, including any and all legal costs, or fees incurred for each violation. 

Please see attachment ( XXXX ) for further details.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: NY

Complaint narrative:
I sent in disputes to all 3 bureaus about the inquiries on my credit report in XXXX and earlier this month. XXXX and transunion did close one account but all inquiries are still there. I asked them to provide proof and if it weren't provided that they kindly remove all of it from my credit report. It is effecting my report drastically and is getting in the way of me being able to get approved for apartments. Under the FCRA law 15 USC 1681i states that you need to show the procedure taken to verify the information verified on the 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
Consumer complaint received 2025-01-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent in disputes to all 3 bureaus about the inquiries on my credit report in XXXX and earlier this month. XXXX and XXXX did close one account but all inquiries are still there. I asked them to provide proof and if it weren't provided that they kindly remove all of it from my credit report. It is effecting my report drastically and is getting in the way of me being able to get approved for apartments. Under the FCRA law 15 USC 1681i states that you need to show the procedure taken to verify the information verified on the 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
Consumer complaint received 2025-01-25 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 over the last 14+ years. 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 a slap in the face to me as an XXXX veteran and I request an investigation into my account transactions since XXXX  till now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am requesting that the CFPB investigate this matter and ensure that the incorrect information is removed from my credit report. This inaccuracy has negatively impacted my credit score and financial standing, and I seek a prompt resolution to rectify this situation. 

Thank you for your time and attention to this matter. Please inform me of any updates regarding the investigation and resolution of my complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: TX

Complaint narrative:
XX/XX/year> showed late 30days and it wasnt. They sent a printout ahow8ng the date was within the 30 days but still placed ir past the date. States that they can not correct the information with the bureau it is not their policy.

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 2025-01-25 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: NY

Complaint narrative:
I RECENTLY REVEIW A COPY OF MY CREDIT REPORT AND NOTICE I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT

Company response to consumer: Closed with non-monetary relief