vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
I 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 2025-01-26 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 want to remove collation on my credit report Company Experian I want to remove collection

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX continues to report inaccurate information on my credit report. They sent letter stating the company that reported this information certified to XXXX the information is accurate. Therefore, XXXX admits they did not investigate my claims below and submitted to them on XX/XX/XXXX. 

My original complaint. 
Reporting Account as " OPEN '' with BALANCE of {$500.00}. Account was charged off XX/XX/XXXX and most recent inaccurate report to my credit is XX/XX/XXXX. This account is in violation for the FCRA : Duty to Provide CRAs with Accurate Information Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. Please delete from all three bureaus immediately. 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 2025-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report, and I received an email from the credit bureau stating that they assumed the disputes were coming from a third party. However, the disputes were initiated by me directly, not a third party. I even called them to verify my identity, yet they still refused to process my disputes. As a result, I feel that my time and money were wasted, as I had to mail my disputes and provide personal information for identity verification, only for them to fail to thoroughly investigate the issue.

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 2025-01-26 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report, and I received an email from the credit bureau stating that they assumed the disputes were coming from a third party. However, the disputes were initiated by me directly, not a third party. I even called them to verify my identity, yet they still refused to process my disputes. As a result, I feel that my time and money were wasted, as I had to mail my disputes and provide personal information for identity verification, only for them to fail to thoroughly investigate the issue.

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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
During the year 2017 53 zelle transactions were made in my name without any identity verification I found out far too late when all my money was gone over {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Subject : Dispute of Information under Section 1681o - Civil Liability for Negligence Dear [ Creditor/Reporting Agency 's Name ], I am writing to dispute certain information on my credit report, which I believe is the result of negligence on your part in failing to comply with your duties under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o. 
I have reviewed my credit report and identified inaccuracies that I believe were caused by errors or failure to properly investigate disputes as outlined by the FCRA. Despite my previous attempts to resolve this matter, it remains unresolved, and I am concerned that your actions, or lack thereof, have caused harm to my credit profile. 
Under Section 1681o of the FCRA, I am entitled to seek damages for any negligence in the handling or reporting of my credit information. As such, I request that you immediately : 1. Investigate the disputed items thoroughly, ensuring full compliance with all reporting standards set by the FCRA.

2. Correct any inaccuracies or remove any erroneous information that was reported negligently.

3. Provide me with written confirmation of the results of your investigation and any corrections made to my credit file.

4. Cease reporting inaccurate information that does not meet the legal requirements of the FCRA.

Please treat this letter as formal notice of my intent to dispute this information, and I request that you correct these issues promptly to avoid further civil liability under Section 1681o.

I expect a response within 30 days, as mandated by the FCRA. If this matter is not resolved to my satisfaction, I will consider taking further action, including seeking damages for any harm caused by this negligence. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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:
XXXX XXXX XXXX, equifax, XXXX XXXX XXXX XXXX XXXX XXXX 
Subject : Dispute of Information under Section 1681o - Civil Liability for Negligence Dear [ Creditor/Reporting Agency 's Name ], I am writing to dispute certain information on my credit report, which I believe is the result of negligence on your part in failing to comply with your duties under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o. 
I have reviewed my credit report and identified inaccuracies that I believe were caused by errors or failure to properly investigate disputes as outlined by the FCRA. Despite my previous attempts to resolve this matter, it remains unresolved, and I am concerned that your actions, or lack thereof, have caused harm to my credit profile. 
Under Section 1681o of the FCRA, I am entitled to seek damages for any negligence in the handling or reporting of my credit information. As such, I request that you immediately : 1. Investigate the disputed items thoroughly, ensuring full compliance with all reporting standards set by the FCRA.

2. Correct any inaccuracies or remove any erroneous information that was reported negligently.

3. Provide me with written confirmation of the results of your investigation and any corrections made to my credit file.

4. Cease reporting inaccurate information that does not meet the legal requirements of the FCRA.

Please treat this letter as formal notice of my intent to dispute this information, and I request that you correct these issues promptly to avoid further civil liability under Section 1681o. 
I expect a response within 30 days, as mandated by the FCRA. If this matter is not resolved to my satisfaction, I will consider taking further action, including seeking damages for any harm caused by this negligence. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I 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. Futhermore, 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 2025-01-26 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:
Please check the information concerning the XXXX data breach below in attachments. Also the information being reported during the time of my treatments. A couple of companys should be aware of this. XXXX, my banks and XXXX all reported I am a victim of fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please check the information concerning the XXXX data breach below in attachments. Also the information being reported during the time of my treatments. A couple of companys should be aware of this. XXXX, my banks and XXXX all reported I am a victim of fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: NC

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 2025-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reaching out to express my concerns about significant discrepancies I have discovered on my credit report. Upon reviewing it, I found several issues, including fraudulent entries, incorrect account listings, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These errors are adversely affecting my financial stability, and I urgently require your assistance in resolving them.

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 2025-01-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am reaching out to express my concerns about significant discrepancies I have discovered on my credit report. Upon reviewing it, I found several issues, including fraudulent entries, incorrect account listings, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These errors are adversely affecting my financial stability, and I urgently require your assistance in resolving them.

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 2025-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Date XX/XX/year> amount XXXX asking the company to provide prove and copy of the loan, i give them over 30 days, no responses. This also has been removed for my account but has been reinstated again, am asking for it to be deleted. Thanks!

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 2025-01-26 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: TX

Complaint narrative:
Despite using zelle numerous times and reporting discrepancys my financial institution and and Zelle failed to investigate my claims adequately. They informed me recovering lost funds was impossible and couldnt be track the transactions. They neglected to protect consumers and allowed these things to keep happening. They left me vulnerable to scam many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year> I reviewed my credit report to discover that I have an unauthorized inquiry from XXXX XXXX On XX/XX/year> I reviewed my credit report to discover that I have unauthorized inquiry from 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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX Experian, XXXX, XXXX Subject : Request for Removal of Canceled Debt from Credit Report Dear Experian, XXXX, XXXX I am writing to formally request the removal of a debt from my credit report associated with XXXX XXXX XXXXXXXX XXXX, account number XXXX. This debt was canceled by the creditor, as confirmed by the attached IRS Form 1099-C, which I received.

The Form 1099-C indicates that the debt, in the amount of {$300.00}, was canceled on XX/XX/2013, and is no longer owed. Reporting this canceled debt as outstanding or delinquent on my credit report is inaccurate and violates the Fair Credit Reporting Act ( 15 U.S.C. 1681c ), Uniform Commercial Code ( XXXX XXXX ), and guidance from the Federal Trade Commission ( FTC ) regarding the accuracy of credit reporting and debt obligations. 

Legal Background : XXXX. XXXX XXXX ( a ) : Cancellation of an instrument discharges the obligation. This includes any action or written acknowledgment ( e.g., Form 1099-C ) by the creditor showing intent to release the debtor from liability. 

2. IRS Guidance : The issuance of Form 1099-C by the creditor reflects an identifiable event canceling the debt under Treasury Regulation XXXX. 

3. FTC Enforcement : Under the authority of the FTC, creditors and credit reporting agencies are held accountable for ensuring that only accurate and valid debts are reported to consumers ' credit reports. Reporting canceled debts as delinquent or unpaid violates these standards.

4. Account Closure : Since the account was closed, reporting it as an active or delinquent account constitutes a misrepresentation of account status and could be considered a form of securities fraud under federal law. This misrepresentation artificially inflates debt figures, harming consumer credit scores and misleading financial institutions. 

Please confirm receipt of this dispute and notify me within 30 days of your investigation results, as required by the Fair Credit Reporting Act. If this issue is not resolved appropriately, I am prepared to escalate my complaint to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) or seek legal remedies under applicable laws. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
Back in XXXX of 2022 I submitted a Borrower Defense to Repayment claim against XXXX XXXX XXXX. On XX/XX/XXXX of XXXX  I received a letter from the Department of Education stating that my loans would be automatically discharged and no further action would be needed on my part. For the past XXXX years I have been contacting my loan Servicer previously Great Lakes and now Nelnet and they have not been able to provide me ANY information on my student loans regarding my discharge even after informing them of the approved discharge letter from the Departmet of Education. Nelnet continually advises me to contact the Borrower Defense hotline as well as the Department of Education. After calling both the XXXX and Borrower Defense Hotline they advised me to contact my loan Servicer as they also had no information. This is UNACCEPTABLE, passing the responsibility to others and waiting more than XXXX years for an answer which should be simple. I need to get this resolved as soon as possible! My next course of action will be to contact my local News Media to investigate this further and hopefully pressure Nelnet or the Department of Education for answers.

Company response to consumer: Closed with explanation