vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have requested the original contract from the lender with my original signature on it from XXXX, XXXX and Transunion regarding all debts reporting in collections. I received a notification saying that the debt was valid and would remain on my credit report. I never received the original contract from the lender with my sign on it as requested.

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 2025-01-24 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: FL

Complaint narrative:
I have requested the original contract from the lender with my original signature on it from XXXX, Experian and XXXX regarding all debts reporting in collections. I received a notification saying that the debt was valid and would remain on my credit report. I never received the original contract from the lender with my sign on it as requested.

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 2025-01-24 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: VA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, 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 's inaction violates federal law and my rights as a consumer. 

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 explanation
Consumer complaint received 2025-01-24 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: LA

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 settled 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 2025-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Second Round Limited Partnership, Austin, TX Branch
State: FL

Complaint narrative:
This debt was garnished from my bank account in full in XX/XX/XXXX. As far as I knew, my dang was satisfied at that time. I communicated with them, they were aware the garnishment took place, and I made it clear that I am XXXX and do not have the proper coping skills for extremely stressful situations ( which it was. ) A few months later, I received a dissolution of garnishment, which I assumed meant the debt was satisfied. I never received additional legal paperwork or new filings. 

A year and a half later, in XX/XX/XXXX, my bank account was garnished again for the full amount of the debt. The original garnishment was still being held by my bank. I contacted the collection company and they said someone had neglected to file paperwork properly to request the funds from the bank. Those funds were also never released back to me. I had also been charged fees and my amount owed increased from approx XXXX to over XXXX. I was struggling with my XXXX and medical issues already, and this added more stress, and contributed to me having to take XXXX leave from work in XX/XX/XXXX. All of the funds were finally released from my bank, and I contacted the creditor asking for settlement options so I could pay them directly and make this problem go away. They would not provide those to me, and within a couple days I received a notice that my paychecks were going to be garnished. So I let that happen until the amount was paid in full. I have confirmation that those funds were collected and are still being held by XXXX. 

I have now received another request being then to be paid for the same debt that has been garnished XXXX  times. The amount owed is over {$2500.00} because they have continued to charge me fees. I dont know what to do. I am autistic and have XXXX, so my cognitive functions become impaired when XXXX under too much XXXX. I am vulnerable and feel like I am being exploited. XXXX trying to do whatever XXXX supposed to do- they have had the opportunity to collect their money multiple times, and have neglected to do so multiple times through no fault of mine, and are using that as an opportunity to charge me more fees. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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 filing a complaint against Zelle in light of the cfpbs lawsuit. I have reached out to Zelle to help me get a refund when I sent money for a service and then never received that service. They informed me that they were incapable of refunding me. Zelle failed to investigate my claims adequately and I feel as though they are unsafe for consumers use because of their inability to track these transactions properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: FL

Complaint narrative:
please check the information concerning the XXXX data breach below in attachments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: CT

Complaint narrative:
I am filing a formal complaint against the credit beauraus for failing to comply with the FCRA, specifically concerning the accuracy of credit reporting and the handling of identity theft disputes. Despite my repeated efforts to resolve inaccuracies resulting from identity theft, XXXX has not fulfilled its legal obligations under the FCRA. 

The following are the key issues I have encountered : Failure to Investigate Disputed Information ( 15 U.S.C. 1681i ) : I disputed inaccurate information related to identity theft on my credit report. However, they failed to conduct a reasonable investigation within the required XXXX period. 

Non-Compliance with Identity Theft Provisions ( 15 U.S.C. 1681c-2 ) : After providing XXXX with XXXX valid identity theft report, they failed to block the fraudulent information from my credit file as required under the FCRA. 

Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : There has not taken sufficient steps to ensure the accuracy of my credit report, despite being made aware of inaccuracies resulting from identity theft. 

Failure to Provide Required Notifications : XXXX did not provide timely and adequate notifications about the results of their investigation or clearly outline steps I could take to address the issue further. 

These failures have caused significant harm, including damage to my credit score, emotional distress, and financial difficulties. 

Thank you for your attention to this matter. I have attached supporting documentation, including copies of my identity theft report, dispute letters, and correspondence with XXXX, for your review.

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 2025-01-24 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 am filing a formal complaint against the credit beauraus for failing to comply with the FCRA, specifically concerning the accuracy of credit reporting and the handling of identity theft disputes. Despite my repeated efforts to resolve inaccuracies resulting from identity theft, XXXX has not fulfilled its legal obligations under the FCRA. 

The following are the key issues I have encountered : Failure to Investigate Disputed Information ( 15 U.S.C. 1681i ) : I disputed inaccurate information related to identity theft on my credit report. However, they failed to conduct a reasonable investigation within the required XXXX period. 

Non-Compliance with Identity Theft Provisions ( 15 U.S.C. 1681c-2 ) : After providing XXXX with XXXX valid identity theft report, they failed to block the fraudulent information from my credit file as required under the FCRA. 

Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : There has not taken sufficient steps to ensure the accuracy of my credit report, despite being made aware of inaccuracies resulting from identity theft. 

Failure to Provide Required Notifications : XXXX did not provide timely and adequate notifications about the results of their investigation or clearly outline steps I could take to address the issue further. 

These failures have caused significant harm, including damage to my XXXX XXXX, emotional distress, and financial difficulties. 

Thank you for your attention to this matter. I have attached supporting documentation, including copies of my identity theft report, dispute letters, and correspondence with XXXX, for your review.

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 2025-01-24 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: MD

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-24 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: NY

Complaint narrative:
I have disputed multiple accounts on my credit reports for inaccurate information. XXXX XXXX, XXXX Bank, XXXX XXXX and XXXX XXXX XXXX are all inaccurate and were returned as " verified '' with no further information provided. I have tried to dispute this inaccurate information multiple times, and nothing ever changes. This has been going on for many years.

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 2025-01-24 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: NY

Complaint narrative:
I have disputed multiple accounts on my credit reports for inaccurate information. XXXX XXXX, XXXX Bank, XXXX XXXX and XXXX XXXX XXXX are all inaccurate and were returned as " verified '' with no further information provided. I have tried to dispute this inaccurate information multiple times, and nothing ever changes. This has been going on for many years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: AL

Complaint narrative:
Subject : Dispute of Inaccurate Information Under FCRA Sections 609 & 611 To Whom It May Concern, I am writing to formally dispute inaccurate information that is listed on my credit report. I am requesting an investigation and removal of any unverifiable or inaccurate information under the provisions of the Fair Credit Reporting Act ( FCRA ).

Under Section 609, I am requesting a copy of all documentation, including the original signed contract or agreement, that the creditor used to validate this account. Without this documentation, the information can not be verified and must be removed from my credit report.

Additionally, under Section 611, I request that your agency investigate this matter thoroughly. If the disputed information can not be verified as accurate within XXXX  days, it .must be deleted or corrected as mandated by the FCRA XXXX 


I request that you provide me with the results of your investigation in writing, as well as an updated copy of my credit report reflecting any changes. 

Thank you for your prompt attention to this matter. I expect a response within the legally mandated timeframe of XXXX  days from the receipt of this letter.

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 2025-01-24 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. 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 2025-01-24 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 not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. 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 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian - Removal of Late Payments due to unemployment I am writing to demand the removal of late payment entries from my credit report for the account ( XXXX ) referenced above. These late payments were a direct result of being unemployed during the period of XXXX XXXX XXXX and I am requesting that these be removed immediately, as I believe they unfairly penalize me for circumstances beyond my control. 

XXXX. Impact of Unemployment on Payment History As you are aware, the Fair Credit Reporting Act ( FCRA ) mandates that information reported to the credit bureaus be accurate and fair ( 15 U.S.C. 1681 ). The late payments in question occurred during a period of significant hardship when I was unemployed, and my ability to meet financial obligations was severely impacted. Under the FCRA and Regulation V, I request that these late payments be re-evaluated and removed from my credit report as they do not reflect my usual payment behavior. 

XXXX. Request for XXXX XXXX Given the extreme and extenuating circumstances of my unemployment, I am requesting a goodwill adjustment from the creditor ( XXXX ) in question to remove the late payment entries. This request is grounded in the understanding that I made all reasonable efforts to make payments during that difficult time but was unable to meet deadlines due to lack of income. Removing these late payments would more accurately reflect my payment history and financial responsibility over the long term. 

XXXX. Legal Precedent and Credit Reporting Standards Under 15 U.S.C. 1681c, I am entitled to dispute the accuracy of any information that may not fully represent my true financial circumstances. I believe these late payments should be reclassified or removed, considering the context of my financial distress. Additionally, I expect full compliance with FCRA Section 605 and the Equal Credit Opportunity Act ( ECOA ), which protects consumers from being penalized for credit report information that reflects circumstances outside of their normal credit behavior. The financial hardship caused by unemployment should not permanently XXXX my creditworthiness. 

XXXX. Immediate Removal Request Given the above facts, I am requesting that these late payments be immediately removed from my credit report. I expect a prompt and thorough review of this matter, and I anticipate your compliance with the FCRA in resolving this dispute. Should this issue remain unresolved or the late payments remain unaddressed, I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and exploring further legal options.

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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Not clear on protections put in place for money transfers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
am filing a complaint 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 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 2025-01-24 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: MS

Complaint narrative:
I HAVE SEVERAL ACCOUNTS ON MY CONSUMER REPORT THAT ARE INACCURATE, UNVERIVIED AND ARE A VIOLATION OF THE FCRA. THESE ACCOUNTS HAVE DIFFERENT DATES OF LAST ACTIVITY BETWEEN XXXX, EQUIFAX, AND TRANSUNUION. THESE ACCOUNTS MUST BE DELETED FROM MY CREDIT REPORT IMMEDIATELY. ( CREDIT ACCEPTANCE ) ( WORLD FINANCE ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- THESE ACCOUNTS ARE REPORTING INACCURATE PAYMENT HISTORY AND DIFFERENT DATES OF LAST ACTIVITY/STATUS DATE BETWEEN EQUIFAX, XXXX, AND XXXX. ( CREDIT ACCEPTANCE ) ( SELF ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief