vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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:
Recently I conducted an investigation of my credit report and found several items on there to be incorrect.

Under US code 1681e ( a ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 US code 1681i ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following accounts from my credit report immediately 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

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 2025-01-21 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:
Recently I conducted an investigation of my credit report and found several items on there to be incorrect.

Under US code 1681e ( a ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 US code 1681i ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following accounts from my credit report immediately 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

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 2025-01-21 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: WA

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 2025-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: CO

Complaint narrative:
A collection was added to my report on XX/XX/ from DRS. They state that I owe {$1200.00}, but I do not have any account behind on payments, nor did I have any other accounts with that same amount

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : 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 2025-01-21 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: TX

Complaint narrative:
After checking my personal credit report from Transunion and XXXX I discovered a collection agency account from XXXX XXXX XXXX for {$2400.00} that doesn't belong to me and is the result of identity theft. The original creditor for this item is XXXX XXXX XXXX XXXX. This collection agency charge is not mine and is the result of identity theft. There are also 3 hard credit inquiries on my Transunion and XXXX credit report that are not mine are the result of fraud. The inquiries from XXXXXXXX XXXX XXXXXXXX, XXXX  and XXXX XXXX XXXXXXXX XXXX not mine and are the result of identity theft.

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 2025-01-21 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:
On XX/XX/XXXX, I submitted a written dispute to Experian to correct inaccuracies in my credit report. Specifically, I requested the removal of multiple names, addresses, and phone numbers that are not associated with me or my credit history. To support my dispute, I provided proof of my identity, including a copy of my drivers license, Social Security card, and a utility bill verifying my current address. 

On XX/XX/XXXX, Experian responded to my dispute by correcting some items, such as updating my primary name and address and removing several phone numbers. However, they failed to remove multiple inaccurate names and addresses that I explicitly disputed, leaving my report incomplete and inaccurate. 

This failure violates the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) : Credit reporting agencies must maintain maximum possible accuracy in the information they report.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : CRAs must conduct a reasonable reinvestigation of disputed information within 30 days.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : CRAs are required to delete or correct disputed information that can not be verified. 
Despite my multiple attempts to resolve these issues directly with Experian, they have not fulfilled their legal obligations to conduct a proper investigation or correct the inaccuracies on my report. This ongoing failure has caused significant frustration and potential harm to my creditworthiness. 

The CFPBs recent lawsuit against Experian on XX/XX/XXXX, highlights systemic issues within the company, including allegations of " sham investigations '' that result in unresolved inaccuracies for consumers. My experience is consistent with these allegations, as Experian appears to have conducted a superficial investigation that failed to address the errors in my report. 

Given Experian 's repeated noncompliance, I am requesting the CFPB to : Ensure Experian removes all inaccurate names and addresses from my credit report. 
Require Experian to adopt improved investigation procedures to prevent further harm to consumers. 
Hold Experian accountable under the FCRA for their failure to meet their obligations. 
This issue has caused me unnecessary stress and has left me uncertain about the accuracy of my credit report. I am seeking the CFPBs assistance to resolve this matter and ensure Experian adheres to its legal responsibilities.

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 2025-01-21 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Information is incorrect. Plus shows charge off. And just renewed date on charge offs into collection, but there still on file. Showing XXXX negative out of XXXX accounts. Through EQUIFAX Data Breach my information was exposed. Under 605.b this is unjust. They've purposely ruined my credit and caused collateral damage to my business and livelihood. 
Plus incorrect XXXX XXXX child support payments which have severely affected me. By reporting non payments although it was garnished from checks. Misinformation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: CA

Complaint narrative:
Information is incorrect. Plus shows charge off. And just renewed date on charge offs into collection, but there still on file. Showing XXXX negative out of XXXX accounts. Through XXXX XXXX XXXX my information was exposed. Under 605.b this is unjust. They've purposely ruined my credit and caused collateral damage to my business and livelihood. 
Plus incorrect XXXX XXXX child support payments which have severely affected me. By reporting non payments although it was garnished from checks. Misinformation.

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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint on cash app ( block inc ). Due to inadequately unfair practices, which violates the consumer financial protection. Specifically, Cashapp failed to take timely and effective measures to prevent and address fraud on their platform. Leaving my account vulnerable and unprotected. Furthermore their dispute process was unfair and deceptive. As they did not comply with error resolution requirements. Under the electronic fund transfer act and regulation E. Theses 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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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 vunerable 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 inconvience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TN

Complaint narrative:
To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 
Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * 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 Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX  misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 
Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it.

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 
Thank you for your attention to this urgent matter. 
Sincerely, Students & Graduates of XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: MD

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple over draft fees I incurred. Despite having sufficient funds when transactions where authorized, I was charged a fee due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against NFCU for similar practices, where transactions settled with insufficient balances despite initially available funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: FL

Complaint narrative:
I am filing this complaint with Zelle because Payments failed then taken away after times without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Ct XXXX, CA XXXX XXXX XXXX Date : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Request for Removal of Inaccurate Accounts Based on CFPB Complaint References To Whom It May Concern, I am writing to formally request the removal of inaccurate information on my credit report. I recently filed complaints with the Consumer Financial Protection Bureau ( CFPB ) regarding two accounts reported by XXXX XXXX XXXX XXXX. The reference numbers for my complaints are XXXX and XXXX. 

These accounts were prematurely reported as charged off, which violates the Fair Credit Reporting Act ( FCRA ) and industry standards : 1. One account was charged off after only 60 days of delinquency.

2. The other account was charged off after only 90 days of delinquency. 

As per FCRA guidelines, a charge-off can not be reported until after 180 days of non-payment. Reporting these accounts as charged off before the 180-day period is a clear violation of FCRA Section 623 ( a ) ( 1 ) ( A ). 

The CFPB has acknowledged receipt of my complaints, and the disputes are pending resolution. In the meantime, I request that your agency investigate these inaccuracies and remove the accounts from my credit report, as they are clearly inaccurate and misleading. 

Relevant FCRA Violations : 1. Section 623 ( a ) ( 1 ) ( A ) : Duty of Furnishers of Information to Provide Accurate Information Reporting a charge-off after only 60 or 90 days of delinquency violates the legal obligation to ensure accuracy.

2. Section 605 ( a ) : Reporting Time Periods Misleading and inaccurate charge-offs are not eligible to be reported. 

Harm Caused : These premature charge-offs and the failure to reflect accurate payment history have caused : A substantial drop in my credit score. 
Denial of credit opportunities. 
Misrepresentation of my creditworthiness, leading to financial stress and hardship. 

Requested Resolution : Given the seriousness of these inaccuracies and the harm they have caused, I respectfully request the immediate removal of these accounts from my credit report. Attached, I have included : 1. Copies of my CFPB dispute acknowledgments ( reference numbers : XXXX and XXXX ). 
2. Documentation highlighting the discrepancies in the accounts.

Conclusion : I expect your agency to take swift action to correct these inaccuracies, as required under the FCRA. Please confirm the removal of these accounts and provide me with an updated copy of my credit report. Should you need additional information, I can be reached at XXXX or XXXX. 

Thank you for your immediate 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 non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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