vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Hard Inquiries Dear Equifax, I am writing to formally dispute the inclusion of unauthorized hard inquiries on my credit report. Specifically, the following inquiries were not authorized by me and should be removed : XXXX XXXX XXXX ( Date : XX/XX/XXXX ) I did not initiate or provide authorization for any of these inquiries. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that only accurate and verifiable information is included in a consumers credit file. Since these inquiries were not authorized, they must be deleted from my report. 

Additionally, I am aware that the Consumer Financial Protection Bureau ( CFPB ) recently took action against Equifax for failing to properly investigate consumer disputes. The CFPB found that Equifax ignored evidence submitted by consumers, failed to conduct proper investigations, and allowed inaccuracies to persist in credit reports. As part of the enforcement order, Equifax is required to comply with federal laws, including properly investigating disputes and ensuring the accuracy of consumer credit reports. 

In light of these findings and your obligations under federal law, I expect a thorough investigation into this matter. 

Please remove these unauthorized inquiries from my credit report and confirm the changes in writing. If you determine that the inquiries can not be removed, I request a detailed explanation and supporting documentation demonstrating that these inquiries were authorized. 

Failure to resolve this matter may result in further action, including filing a complaint with the CFPB or seeking legal remedies under the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your response within the required 30-day period. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
Back in 2017, I sent money through Zelle and sent it to the wrong number. I was not given a warning sceen to ensure I was sending it to the correct person. Now today I noticed this change made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

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 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. & 1681i, which mandates a reasonable investigation of my disputes. Furthermore, Equifaxs actions also may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C & & 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in CFPB 's recent administrative proceeding file ( File No. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Information regarding these accounts are inaccurate. whether they are included in bankruptcy still reporting my credit report. I disputed these accounts and XXXX has not attempted to remove nor correct any information, it just says consumer disputed, which I would like to be removed also These accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Im requesting this derogatory remarks be removed or corrected immediately as it is affecting may chances of acquiring goals I want to achieve. XXXX violated my rights as a consumer as well as federal laws

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Information regarding these accounts are inaccurate. whether they are included in bankruptcy still reporting my credit report. I disputed these accounts and XXXX has not attempted to remove nor correct any information, it just says consumer disputed, which I would like to be removed also These accounts include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im requesting this derogatory remarks be removed or corrected immediately as it is affecting may chances of acquiring goals I want to achieve. XXXX violated my rights as a consumer as well as federal laws

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax breach my information. Shared my credit report even thought I asked for a freeze and fraud alert. I was not informed, nor did I authorized use of my credit report to potential lenders. I disputed this information and equifax still have it listed on my report. I received XXXX for my collections but they are still listed on my credit report. This is supposed to be unlawful Wrong addresses on my report, wrong name on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to express my outrage regarding the continued reporting of inaccurate information related to the XXXX XXXX XXXX XXXX, which you claim was opened on XXXX XXXX, XXXX and sold to XXXX on XXXX XXXX XXXX XXXX. Despite multiple disputes, this matter remains unresolved, and I demand immediate action. 
Under the **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681c ( a ) ( 4 ) **, negative information must not be reported for more than seven years from the date of first delinquency. Additionally, under **15 U.S.C. 1681i ( a ) ( 5 ) ( A ) **, information that can not be verified or is inaccurate must be promptly deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to express my outrage regarding the continued reporting of inaccurate information related to the XXXX XXXX XXXX XXXX  which you claim was opened on XXXX XXXX, XXXX and sold to XXXX on XXXX XXXX XXXX XXXX. Despite multiple disputes, this matter remains unresolved, and I demand immediate action.

Under the **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681c ( a ) ( 4 ) **, negative information must not be reported for more than seven years from the date of first delinquency. Additionally, under **15 U.S.C. 1681i ( a ) ( 5 ) ( A ) **, information that can not be verified or is inaccurate must be promptly deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to express my outrage regarding the continued reporting of inaccurate information related to the XXXX XXXX XXXX XXXXXXXX, which you claim was opened on XXXX XXXX, XXXX and sold to XXXX on XXXX XXXX XXXX XXXX. Despite multiple disputes, this matter remains unresolved, and I demand immediate action. 
Under the **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681c ( a ) ( 4 ) **, negative information must not be reported for more than seven years from the date of first delinquency. Additionally, under **15 U.S.C. 1681i ( a ) ( 5 ) ( A ) **, information that can not be verified or is inaccurate must be promptly deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Dispute Regarding Inaccurate Reporting Under FCRA Section 1681o To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit report, which have caused significant harm to my ability to obtain credit. The errors appear to stem from negligent reporting practices that violate the Fair Credit Reporting Act ( FCRA ). 

I have identified the following discrepancies XXXX XXXX XXXXXXXX Account Number : Issue : Duplicate account entries and no balance updates. 
XXXX XXXX Account Number : Issue : Expiration date exceeds statutory limits and omissions under the balance section. 
XXXX XXXX XXXX Account Number : Issue : Conflicting payment history data and outdated information beyond the 7-year limit. 
XXXX XXXX Account Number : Issue : Incomplete payment history for a closed account. 
XXXX XXXXXXXX Account Number ( s ) : Issue : Missing balance and payment data, constituting reporting omissions. 
XXXX XXXX Account Number : [ Provide masked number ] Issue : Closed account inaccurately reported as late each month. 
These errors represent negligent reporting under FCRA Section 1681o, as they lack the accuracy and completeness required by law. I respectfully request immediate removal or correction of these items.

Additionally : Remove all non-account holding inquiries over 30 days old.

Apply a Promotional Suppression to my file to limit unnecessary access. 
Please complete your investigation within 30 days, as required by the FCRA, and provide written confirmation of the outcome. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
I opened my Nordstrom Visa credit card in XX/XX/year> and made full, on-time payments each month. In XX/XX/year>, my card was unexpectedly blocked. I was instructed to verify my identity at a Nordstrom store, which I did. Afterwards, I was asked to mail copies of my drivers license and Social Security card. I sent the documents on XX/XX/XXXX, only to be told they werent legible. I resent them, and this time they were approved. However, by then more than 30 days had passed, and Nordstrom Card Services under TD Bank decided to close my account. 

Throughout this process, there was no communication from Nordstrom or TD Bank aside from the phone calls I initiatedno letters, no updates. The delays caused by mailing documents during the holidays were not taken into consideration. Despite having the account for months with no missed payments, they still closed it. 

I have since filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) to request both the reopening of my account and a review of the practices employed by TD Bank and Nordstrom in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: TX

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
** [ Your Name ] ** XXXX XXXX XXXX ** [ Your Address ] ** XXXX XXXX XXXX ** [ City, XXXX, ZIP Code ] ** XXXX, XXXX XXXXXXXX ** [ Your Email Address ] ** XXXX ** [ Your Phone Number ] ** XXXX ** [ Date ] XXXX **Consumer Financial XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX **Subject XXXX Complaint Against Trans union for Violations of the Fair Credit Reporting Act Dear CFPB, I am writing to file a complaint against Trans union regarding their handling of my credit reports and their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically the following sections : 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). 
**Background : ** My name is XXXX XXXX XXXX XXXX and I have been actively working to improve my credit. I sent dispute letters to Trans union on the following dates : XX/XX/year>, XX/XX/year>, and XX/XX/year>. Despite my efforts, Trans union has not complied with the legal requirements under the FCRA to conduct a proper investigation of my disputes or to remove inaccuracies from my credit report. 
XXXX Accounts in Dispute : ** 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 I recently became aware that Trans union did not properly investigate the disputes and fails to remove or reinsert errors on reports, thereby threatening consumers ' access to credit, employment, and housing. 
**Request for Action : ** that the account be removed asap Given the circumstances, I request that the CFPB investigate my complaint against Trans union for their non-compliance with the FCRA XXXX I seek resolution in the form of : - A thorough investigation into my disputes. 
- Correction of any inaccuracies on my credit report. 
- XXXX that Trans union will follow proper protocol in future investigations. l appreciate your attention to this matter and look forward to your prompt response. 
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 2025-01-25 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:
My credit was exposed by the data based and been used to cause inquiries and other things on my credit I submitted an ftc report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Name-XXXX XXXX XXXX  XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA & 605B ( 15 U.S.C & 1681c-2 ) That you Transunion the credit reporting agency, block information appearing on my credit report that is the result of identity theft and fraud within 4 buisness days of you recieving this complaint.This fraudulent, inaccurate, and false information consists of a personal auto loan ( 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 These Accounts have resulted in several fraudulent hard inquires and fraudulent collections.I have attached a copy of my FTC Identity Theft Complaint XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the information from the report accounts and hard inquiries, collections, chargeoffs are the results of identity theft and 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 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: NJ

Complaint narrative:
I have never had a contractual relationship with Plaza Services , LLC. I believe the original creditor, XXXXXXXX XXXX XXXX XXXX, sold my account without proper notification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) Section 611 regarding the reporting of inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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/year> has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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