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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Dear TransUnion I am writing regarding my previous dispute, submitted on XX/XX/XXXX, about inaccurate information on my credit report. Despite my efforts to have the errors corrected, the matter has not been resolved. XXXX act of negligence is damaging my credit report. This account is clearly still not compliant with XXXX XXXX. This account is clearly inaccurate & incomplete, so how did you guys even verify this account. Now you guys are neglecting my character & intelligence. 
I am now submitting this second request for an investigation on the procedures XXXX used to verify this account or remove this account off my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT IN VIOLATION REMOVE THIS ACCOUNT Two-Year Payment History : ( XXXX ) TRANSUNION IS REPORTING NO TWO-YEAR PAYMENT HISTORY. 
HOW IS TRANSUNION REPORTING DATES AND STATUS, BUT NOT REPORTING ANY TWO-YEAR PAYMENT HISTORY? 
TransUnion : No History Reported XXXX : XXXX is going against their own Glossary of account conditions & payment status : Payment Status : ( XXXX ) This XXXX XXXX Account is acting as a Charge-Off Account & Collections Account Simultaneously. Payment Status is Charge-Off on Report, but XXXX XXXX is acting as XXXX XXXX XXXX XXXX attempting to collect a debt as a Collection Agency too. 

Date Opened : ( XXXX ) ( XXXX ) DIFFERENT DATES OPENED. HOW ARE THERE XXXX DIFFERENT OPENING DATES REPORTING? 
TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX Closed Date : ( XXXX ) DIFFERENT CLOSED DATES TransUnion : XX/XX/XXXX XXXX : No Closed Date Date of Last Activity : ( XXXX ) ( XXXX ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE XXXX DIFFERENT DATES REPORTING? 
HOW DID TRANSUNION VERIFY THIS ACCOUNT, AND DATE IS XX/XX/XXXX? 
TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX Last Verified : ( XXXX ) HOW DID TRANSUNION VERIFY THIS ACCOUNT, BECAUSE THERE ARE MANY THINGS THAT ARE STILL INACCURATE TransUnion : XX/XX/XXXX XXXX : No Date Reporting Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting of my credit information. If you believe the information is accurate, I request that you provide me with the following : The whole procedure used in your investigation to verify this account. 
Verification documents from the furnisher of the disputed information. 
If the disputed information can not be verified or is deemed inaccurate, I request that it be removed from my credit report in compliance with the FCRA.

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXX XXXX Subject : Formal Dispute Regarding Negligence and Non-Compliance under XXXX  XXXX XXXX Section XXXX I am writing to formally dispute your recent actions ( or inactions ) that I believe constitute negligence and non-compliance, resulting in damages under XXXX XXXXXXXX XXXX Section XXXX. 

Description of the Issue : On [ specific date ], [ describe the event or action that caused the issue ]. Your failure to [ specific act of negligence or non-compliance ] has directly resulted in [ specific harm, damages, or inconvenience caused ]. 

Under Civil Code Section 16810, parties are held liable for damages arising from breaches of their obligations, particularly when such breaches stem from negligence. Your failure to [ specific responsibility they neglected ] violates the legal standards outlined in this section. 

Requested Resolution : To resolve this matter, I am requesting the following : XXXX. [ Specific action you want them to take, e.g., reimbursement, corrective measures, or an apology ]. 
XXXX. [ Any other remedies you seek, such as ceasing certain actions or providing documentation ]. 

Please respond to this dispute in writing within [ reasonable time frame, e.g., 14 days ] of receiving this letter. Failure to address this matter adequately may leave me with no option but to escalate the issue through legal channels. 

I trust you will give this matter the attention it deserves and look forward to a swift and amicable resolution. 

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 2025-01-25 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: IN

Complaint narrative:
XXXX writing to formally express my concerns regarding Zelle handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform despite using Zelle failed to investigate my claims adequately they informed me that tracking these transactions was infeasible the CFPB 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 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 2025-01-25 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding my recent experience with TransUnion, in which I submitted a dispute for information on my credit report. Despite providing all relevant documentation and following the necessary steps to dispute inaccurate information, TransUnion has failed to update or resolve the issues I raised. 

I submitted my dispute with TransUnion, providing clear and detailed information about the discrepancies. However, they have not taken any action to correct or address these issues. To date, there has been no change or update made to my credit report, and the response I received from them provides no indication of any progress on the matter. 

For your reference, I have attached the response I received from TransUnion, which fails to address my concerns adequately. It seems that they have not investigated or resolved the dispute as required by law, leaving me with unresolved inaccuracies 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: GA

Complaint narrative:
I am filing a complaint against Equifax, XXXX, and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, Equifax, XXXX, and XXXX consistently responds within XXXX 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, XXXX, and XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the XXXX XXXX  recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax, XXXX and XXXX complies with federal law and provides consumers with the necessary proof of investigation. Below are the accounts that are inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( Already removed XXXX XXXX XXXX XXXX, due to lack of proof and time. Please remove ) XXXX XXXX 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Per the documents provided. The following accounts have been deleted and blocked from my XXXX credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please follow suit and delete and block the following accounts as well. The inaccurate and erroneous reporting of these unknown, XXXX validated accounts have caused me to be XXXX  and XXXX XXXX and has defamed my character causing me to become severely XXXX. I have been denied credit by the banks and several other companies. Per the FCRA I am entitled a fair and accurate report across all credit reporting agencies, therefore you have to delete the accounts as well. You have refused to properly investigate and address my previous disputes regarding this same situation with proof of deletions of accounts. According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Therefore this is an FCRA violation and the dispute has not been resolved. Furthermore, The FCRA demands that CRA use reasonable procedures to assure maximum possible accuracy of the information they report 15 U.S.C Section 1681 e ( b ). When a consumer disputes an item of information, the agency must investigate the dispute. I have forwarded this complaint to my state attorney general, the better business bureau, and I am aware do to your improper sham investigations that I can consult with a attorney that would include monetary damages, removal of incorrect reporting, attorney fees, and statutory damages. I have provided proof of deletions and proof of identification.

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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I filed a dispute on XXXXXXXX XXXX XXXX  due to they never sent me notice on my repossession car sale and never answered or sent the receipts in the car sale, I believe that the account balance is inaccurate and they refused to show me receipts to show other wise. Experian denied to follow up with the investigation. Also regarding my account with XXXX, I settled the charge off for a pay for delete, which I showed proof that the account was paid and the creditor also reported a XXXX XXXX balance but it still shows on my credit. Also, my XXXX XXXX account which the account is closed but shows an inaccurate outstanding amount, I showed proof of the amount it should be but it still reports an insane amount. I recently was notified that CFPB has filed a lawsuit against the company experian. 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed immediately as it's affecting my chances of getting house and car. Experian violates my rights as a consumer, as well as federal laws.

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 — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
I have had a checking and savings account with XXXX XXXX  for several years. I recently got married and tried to add my husband to my account. We both have XXXX credit scores and no history of overdrawn accounts or NSF XXXX. 

When we submitted the form to add him, XXXX ran his " consumer score '' from ChexSystems. XXXX denied our request to add him to my account due to the consumer score reported by ChexSystems and said we would need to work with ChexSystems to understand drivers of the score and dispute errors, if any. 

Through several calls with ChexSystems we learned the main reason for the low score is that several soft credit pulls from his credit report are being picked up as " inquiries '' and causing a low " consumer score ''. After running his credit report, we identified several soft pulls that we did not initiate. As soft pulls are not an item that you can dispute with the credit agencies ( because it is possible for companies to pull your credit history without authorization for purposes of sending promotional material, etc. ), we do not have a way to remove these from his credit report. We therefore are unable to resolve the issue with the low " consumer score '' and are currently unable to add him to my accounts. 

ChexSystems has had difficulty articulating the reason for the low score and there is no path to challenge their use of soft credit pulls to harm our ability to access banking services.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a complaint against XXXX, Transunion, and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, XXXX, Transunion, and XXXX consistently responds within XXXX 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, XXXX, Transunion, and Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the XXXX XXXX recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX, Transunion and XXXX complies with federal law and provides consumers with the necessary proof of investigation. Below are the accounts that are inaccurate. 

XXXX XXXX XXXX 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 ( Already removed from the other bureaus, due to lack of proof and time. Please remove ) XXXXXXXX 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 2025-01-25 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: GA

Complaint narrative:
I am filing a complaint against XXXX, XXXX, and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, XXXX, XXXX, and Experian consistently responds within XXXX 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, XXXX, XXXX, and Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the XXXX XXXX recent administrative proceeding ( XXXX XXXX  XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX, XXXX and Experian complies with federal law and provides consumers with the necessary proof of investigation. Below are the accounts that are inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( Already removed from the other bureaus, due to lack of proof and time. Please remove ) 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 explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am writing to file regarding multiple funds missing from my account and the closure of my account without reimbursement. Despite having sufficient funds in my account, banking information attached to my account, Cash App allowed my funds to be stolen and then closed my account. This issue aligns with the recent CFPB findings against Cash App for similar practices, where they failed to protect customer information during a data breach in XXXX XXXX XXXXXXXX XXXX policies and practices for handling unauthorized transactions were inconsistent and noncompliant with federal regulations. I believe these practices are unfair and request an investigation into my account transactions. They have also prevented me from accessing any account statements from XXXX.

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: LoanCare, LLC
State: NY

Complaint narrative:
On XX/XX/year> I sent the XXXX XXXX  XXXX of LoanCare , LLC a Debt Validation Request to be clear on who " owned ' my alleged mortgage loan. In a letter dated XX/XX/year> ( which I received on XX/XX/year> ) the " XXXX XXXX XXXX ( for LoanCare , LLC ) replied to my debt validation letter, stating that " XXXX XXXX XXXX XXXX XXXX is the owner or assignee '' of the alleged mortgage loan, also giving me the Pool Number for the mortgage " loan '', The next day, I sent out a letter for LoanCare , LLC to stop contacting me ( and have XXXX ONLY to contact me, regarding this alleged debt, as I haven't contracted with either, BUT XXXX bought my mortgage note so I'm also getting validation from them ) LoanCare , LLC is reporting on my credit report and they are a XXXX-party whom I have no business with. XXXX XXXX XXXX XXXX XXXX is using LoanCare , LLC as a subservicer, due to XXXX not being licensed to service mortgages in the State of XXXX XXXX and I have given no consent for them to use my name, likeness, or credit data. 

Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like XXXX to ensure that the information they report is accurate, complete and up-to-date. 

Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 

Additionally, this violates Section 621 of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, as the court may allow. 

Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty. 

Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX Fair Debt Collection Practices Act ( XXXX ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. 

This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 U.S.C. 1341 ( XXXX  XXXX ) and 18 U.S.C. 1343 ( XXXX XXXX ).

Company response to consumer: Closed with explanation