vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Prog Holdings, Inc.
State: MD

Complaint narrative:
I have contacted pay with XXXX to close my account with them. I have not received any emails except someone responding stating that my information will be sent to escalation. That was on XX/XX/year>. I have since then sent several messages without any response. I requested for my account to be deleted. Still has yet to be deleted stating that I have an active XXXX card which I do not and I do not owe any payments. I attempted to remove my debit card which I can not because of there error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: IL

Complaint narrative:
Date : XXXX Investigation Request Letter To Whom It May Concern : I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below as reporting 100 % accurate. Please note that these accounts are still inaccurate and your company is continuing to report these erroneous errors. It is my understanding that you should be in receipt of the following documents : 1. Original contract with the wet signature 2. Name 3. Address 4. Phone number 5. Proof of ownership of debt and their right to collect on it 6. Break down of the billing and payment history Therefore, your company shouldnt have a problem with providing me with the information listed above to prove the validity of these accounts. 
ACCOUNT NAME : 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 IS THE 3RD ATTEMPT TO GET THE REQUESTED DOCUMENT THAT I REFRENCED ABOVE. I WILL BE FORWARDING A COPY OF THIS REQUEST TO THE CFPB AS WELL. 

The above listed accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and 1692.

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 : States : a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1692 ( c ) States : without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection of any debt.

If you cant produce these documents, Im requesting these accounts to be removed immediately, unless you want to be held to {$1000.00} per violation. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: IL

Complaint narrative:
Date : XXXX Investigation Request Letter To Whom It May Concern : I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below as reporting 100 % accurate. Please note that these accounts are still inaccurate and your company is continuing to report these erroneous errors. It is my understanding that you should be in receipt of the following documents : 1. Original contract with the wet signature 2. Name 3. Address 4. Phone number 5. Proof of ownership of debt and their right to collect on it 6. Break down of the billing and payment history Therefore, your company shouldnt have a problem with providing me with the information listed above to prove the validity of these accounts. 
ACCOUNT NAME : 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 IS THE 3RD ATTEMPT TO GET THE REQUESTED DOCUMENT THAT I REFRENCED ABOVE. I WILL BE FORWARDING A COPY OF THIS REQUEST TO THE CFPB AS WELL. 

The above listed accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and 1692.

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 : States : a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1692 ( c ) States : without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection of any debt.

If you cant produce these documents, Im requesting these accounts to be removed immediately, unless you want to be held to {$1000.00} per violation. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX

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 2025-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely NAVY FCU Account Number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX a fee of XXXX XXXXwas charged to my cash app card from the XXXX the transportation company in XXXX XXXX XXXX. I called cash app and informed them that although i used the XXXX machine to refill my metrocard, the machine charged my cash app card but did not give me the weekly metrocard requested. I also told cash app that i was having difficulty getting in touch with the XXXX but after contacting them they informed my to tell cash app to return my funds because their machine didnt work. After informing cash app this information i was told to file a dispute to get my money back. After a day or so Cash app then told me my dispute was denied because based on their information the merchant fullfilled their responsibility. This is totally untrue because both myself and the XXXX agreed that the machine was broken. Cash app also stated that they would provide me documentation on what led to their decision which they have not and i dont believe there is any because the machine was broke, charged my debit card and did not give me a weekly XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C 1681i which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 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 CFPB take action to ensure Equifax complies with the necessary proof of the investigation.

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 2025-02-04 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: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C 1681i which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 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 CFPB take action to ensure Equifax complies with the necessary proof of the investigation.

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 2025-02-04 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:
Fraud accounts on my credit need to be removed please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-04 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: AZ

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, which has led to fraudulent activity appearing on my credit report. In light of this, I am requesting that the following accounts be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as they were opened without my consent. 
XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX Inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request an investigation into XXXX for violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), regarding the accuracy of information reported on my credit file and 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) B and C XXXX is reporting inaccurately on my credit report, which has negatively impacted my credit standing. Under 1681e ( b ) of the FCRA, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy in the information they provide. However, XXXX has failed to uphold this legal standard, They are reporting a repossession 3 extra times on Experian XXXX and XXXX. My vehicle was repossessed in XXXX of 2024 but they are reporting it had a repossession in XXXX, XXXX and XXXX which is impossible. Also they have failed to provide me with the option to opt out of such reporting, as required by 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ).

Option B : A financial institution may not disclose non-public personal information to a non-affiliated third party unless the consumer is given the opportunity to opt-out before such disclosure. 
Option C : The consumer must be provided with clear instructions on how to exercise this opt-out option. 
I have reached out to them to remove this information from my credit report and they have yet to have this information removed and despite my previous disputes, Under FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ), they are required to block or remove any unauthorized reporting within four ( 4 ) business days of receiving sufficient notification I request that the CFPB investigate this matter and direct XXXX to remove the inaccurate information from my credit report immediately. I have enclosed copies of my credit report, dispute letters, and any supporting documentation that proves the inaccuracy of their reporting. 
This inaccurate reporting has caused me financial harm, including difficulties obtaining credit, higher interest rates, and damage to my credit score. 
I appreciate your prompt attention to this matter. Please provide me with a response regarding the status of my complaint and the actions taken to correct this violation.

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 2025-02-04 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request an investigation into XXXX for violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), regarding the accuracy of information reported on my credit file and 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) B and C XXXX is reporting inaccurately on my credit report, which has negatively impacted my credit standing. Under 1681e ( b ) of the FCRA, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy in the information they provide. However, XXXX has failed to uphold this legal standard, They are reporting a repossession 3 extra times on Experian XXXX and XXXX. My vehicle was repossessed in XXXX of 2024 but they are reporting it had a repossession in XXXX, XXXX and XXXX which is impossible. Also they have failed to provide me with the option to opt out of such reporting, as required by 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ).

Option B : A financial institution may not disclose non-public personal information to a non-affiliated third party unless the consumer is given the opportunity to opt-out before such disclosure. 
Option C : The consumer must be provided with clear instructions on how to exercise this opt-out option. 
I have reached out to them to remove this information from my credit report and they have yet to have this information removed and despite my previous disputes, Under FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ), they are required to block or remove any unauthorized reporting within four ( 4 ) business days of receiving sufficient notification I request that the CFPB investigate this matter and direct XXXX to remove the inaccurate information from my credit report immediately. I have enclosed copies of my credit report, dispute letters, and any supporting documentation that proves the inaccuracy of their reporting. 
This inaccurate reporting has caused me financial harm, including difficulties obtaining credit, higher interest rates, and damage to my credit score. 
I appreciate your prompt attention to this matter. Please provide me with a response regarding the status of my complaint and the actions taken to correct this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: NJ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian I am writing to you for the third time to formally dispute inaccurate information ( previously deleted and appearing again ) on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Finance Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations ' and other unlawful practices. These practices, as outlined by the CFPB include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. 
I am deeply concerned that my dispute may have been mishandled in a similar manner or never completed. 

Please delete the inaccurate information being reported. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian I am writing to you for the third time to formally dispute inaccurate information ( previously deleted and appearing again ) on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Finance Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations ' and other unlawful practices. These practices, as outlined by the CFPB include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. 
I am deeply concerned that my dispute may have been mishandled in a similar manner or never completed. 

Please delete the inaccurate information being reported. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief