vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours starting 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 ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXX  ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I reported as inaccurate : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX to go Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Request for Account Details Dear Sir/Madam, I am writing regarding the account listed under my credit report with the following details : Account Number : XXXX Creditor Name : XXXX XXXX Services XXXX XXXX XXXX to clarify that I am not disputing this account. However, I kindly request the following information for my records : XXXX. The Date of First Delinquency for this account. 
XXXX. The Date of Last Payment made on this account. 
XXXX. The Date of XXXX for this account. 

Please provide the requested information in writing at your earliest convenience. I appreciate your cooperation in this matter. 
Thank you for your prompt attention to this matter. 

Sincerely 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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Request for Account Details Dear Sir/Madam, I am writing regarding the account listed under my credit report with the following details : Account Number : XXXX Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX to clarify that I am not disputing this account. However, I kindly request the following information for my records : XXXX. The Date of First Delinquency for this account. 
XXXX. The Date of Last Payment made on this account. 
XXXX. The Date of XXXX for this account. 

Please provide the requested information in writing at your earliest convenience. I appreciate your cooperation in this matter. 
Thank you for your prompt attention to this matter. 

Sincerely 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 2025-01-23 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 am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-01-23 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:
Subject : Complaint Regarding Inadequate Investigation into Credit Reporting Violation of FCRA ( 15 USC 1681 ) To Whom It May Concern, I am filing this complaint regarding Transunions investigation into inaccuracies on my credit report. I believe their actions are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, Section 602 ( a ), which mandates that consumer reporting agencies ( CRAs ) act fairly, impartially, and with respect for consumer privacy when fulfilling their responsibilities. 
Explanation of the Issue Failure to XXXX a XXXX XXXX : Transunion failed to investigate disputed information thoroughly, relied solely on automated processes, and did not provide adequate documentation supporting their findings. 
This lack of due diligence undermines the FCRAs purpose of promoting accuracy and fairness in consumer credit reporting. 
Violation of Privacy Obligations : The FCRA requires CRAs to respect the privacy of consumers. 
The furnishing financial institution has disclosed late payment information to unauthorized parties or fails to protect such data from unauthorized access. 
The XXXX financial institution has not informed me of my right to opt out of sharing my personal information with nonaffiliated third parties. 
Inaccuracies in Credit Reporting : TransUnions failure to ensure the accuracy and validity of the disputed debts and accounts has caused significant harm. These ongoing reporting errors have resulted in consequences such as denial of credit, higher interest rates, and damage to my personal and financial reputation. 
Legal Basis Under 15 USC 1681, CRAs are required to ensure the accuracy of credit reports and respect consumer privacy. 
15 USC 6801 requires financial institutions to protect nonpublic personal information and respect customer privacy.

15 USC 6802 ( b ) and ( c ) obligate financial institutions to provide clear options for consumers to exercise their nondisclosure rights.

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 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I am XXXX XXXX, I am writing to bring to your notice the poor communication of SoFi bank, and the improper banking system, My account was restricted for no reason and every time I call they have answer for me and can not do anything for my account Im not sure what is going on, I need to pay my credit card and I can not access my funds, I call every single day still no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: AZ

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 2025-01-23 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: TN

Complaint narrative:
Last month I submitted to the credit bureaus proof that I was impacted by the Equifax data breach and informed them that there were accounts on my credit report that were open without my consent. I sent in an FTC report and sent all of the supporting documents for them to respond vaguely and say the accounts were " verified '' without any proof or documents to support their claim. I am demanding that they provide the proper verification or have these accounts removed from my profile at once. These errors on my credit profile is causing me not only financial hardship, but emotional distress. If this situation has to go any further, I will be forced to file for litigation. I will attach a document addressing the proper way to verify the accounts. It is my right to have it properly verified and failure to do so should result in an automatic deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: MA

Complaint narrative:
I have not supplied proof under the doctrine of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-23 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: FL

Complaint narrative:
Ive sent dispute letters and they didnt send back the correct information if they even sent because Im still waiting Ive did disputes in XXXX and prior dates to get back the wrong information after Ive sent updated information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I have daily records of them continuously calling me several times a day, threatening to take me to court to sue me to take everything I own to make me XXXX and the list goes on of the threats that they have done to me. 

I tried to reason with them I even try to make some sort of feasible payment arrangements and they refused to assist me with payment arrangements. They wanted {$250.00} every paycheck, which would be twice a month, which is something that is not feasibly able to do at this time or any time. I am the sole XXXX XXXX XXXX XXXX, I have a husband who has XXXX and is going through XXXX, I have a grandson who has XXXX that I am raising and I have no way to pay them {$500.00} a month for this. More, I'm not even sure this is legitimate, as the original creditor of this account sold it to this company, without my knowledge or a written agreement with my signature on it. So I do not know how valid it is for another company to purchase my debt, that has been written off as a charge off, from the original creditor, then sold for pennies on the dollar to this company, who I never signed any agreement with whatsoever for the initial debt. There is not my signature on anything agreeing to this debt being sold to this company. I think it should be a crime, are these debt XXXX to buy original dead from an original company whom I did sign a contract with, and this company does not have my signature agreeing to any sale of my debt whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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 wanted reported accounts from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/XXXX a fraudelnt charge of {$180.00} ws made on my XXXX account. I notified XXXX and they credited the account back but i have not been able to receive my funds back. I have sent in new email, phone number, id, etc. That the company requested and as it stands today on XX/XX/XXXX i have not had the release of the {$180.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute it claims with XXXX about account. I have not supplied proof of under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2025-01-23 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: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding unresolved disputes on my credit report that have not been investigated or corrected despite my repeated attempts. I have filed multiple disputes with the credit bureaus regarding inaccuracies, yet the information remains unchanged and continues to negatively impact my credit score. I am requesting immediate assistance in resolving these issues.

Specifically, I have disputed the following accounts, but they still appear on my credit report : XXXX XXXX  - {$10000.00} XXXX XXXX XXXX - {$7000.00} & another for {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$5000.00} Plus many more! 

These disputes have been open for several years, and despite my repeated efforts to have them resolved, no action has been taken to correct these entries. These accounts are inaccurately reported and have significantly affected my financial standing. I believe these entries are the result of errors or other factors that should not be affecting my creditworthiness.

I have followed the dispute process with the credit bureaus multiple times, and each time, I have been assured that the information would be investigated and corrected. However, despite these assurances, I continue to see these negative entries reflected on my credit report, and I have not received any meaningful updates or resolutions.

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 2025-01-23 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: MD

Complaint narrative:
Some account that I reported are as follows but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I want reported accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I am filing a complaint against Cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). specifically, cash app bill to take XXXX and effective measures to prevent an 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 erroe resolution requirements under the electronic fund transfer act, ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I watch my credit often from XXXX XXXX and other Experian. I have noticed that old accounts have been placed back on my account and inaccurate information.

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 2025-01-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
There was a damage to a blind and holes in the wall where we mounted our TV. We provided a {$250.00} security deposit, yet we were still charged an additional {$220.00}. Despite the deposit being applied. Additionally, there were two separate utility charges being billed to us within the same month. The letter I got was for a charge of {$220.00}. But they are reporting a charge of XXXX to the credit bureaus. I will attach the breakdown of list from the company alongside the pictures of the blind and holes, also attached is the payment due for the month of XXXX plus the initial letter I received from them for a charge of {$220.00} and cheque for payment of rent and utilities of the month of XXXX. The apartment complex contacted my wife and abruptly stopped responding to the mail when she asked why we were being charged for normal wears in the house. We were also charged a {$75.00} cleaning fee for a dirty oven. We told them that the oven was dirty even before the start of our stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: MS

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 2025-01-23 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: AZ

Complaint narrative:
XXXX and Transunion keeps coming back verified within 24 hours and not sending information on what steps or information they have obtained to verify information as accurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation