vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: RI

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 1681 ( o ). The information in question appears to be incorrect and I request that it be investigated and corrected. 

The disputed information is as follows : Account Name/Number : BANKRUPTCY Nature of Discrepancy : [ inaccurate information is being stated in my credit report ] Under the FCRA, XXXX am entitled to a fair and accurate credit report. The information provided in my report is causing reduction in credit score and denial for mortgage, and I request that you investigate this matter promptly In accordance with the FCRA, please provide me with the following : A full investigation into the disputed information.

Verification of the accuracy of the information reported.

A correction or removal of any inaccuracies identified.

Written confirmation of the outcome of your investigation.

If this issue is not resolved in a timely manner, I will consider seeking legal recourse for damages under FCRA 1681 ( o ), which provides for civil liability for willful violations of the act. 

Please acknowledge receipt of this dispute and inform me of the status of your investigation within the XXXX period stipulated by law. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, 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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate XXXX XXXX and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : XXXX removal of the erroneous address from my credit report. 
XXXX updated credit report reflecting the corrected information. 
XXXX confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX, XXXX XXXX, CA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NY

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-01-29 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: RI

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 1681 ( o ). The information in question appears to be incorrect and I request that it be investigated and corrected.

The disputed information is as follows : Account Name/Number : BANKRUPTCY Nature of Discrepancy : [ inaccurate information is being stated in my credit report ] Under the FCRA, I am entitled to a fair and accurate credit report. The information provided in my report is causing reduction in XXXX XXXX and denial for mortgage, and I request that you investigate this matter promptly In accordance with the FCRA, please provide me with the following : A full investigation into the disputed information. 
XXXX of the accuracy of the information reported. 
A correction or removal of any inaccuracies identified. 
Written confirmation of the outcome of your investigation. 
If this issue is not resolved in a timely manner, I will consider seeking legal recourse for damages under FCRA 1681 ( o ), which provides for civil liability for willful violations of the act. 

Please acknowledge receipt of this dispute and inform me of the status of your investigation within the XXXX period stipulated by law. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, 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 2025-01-29 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: GA

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 explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

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 2025-01-29 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: NJ

Complaint narrative:
There is an unauthorized inquiry on my credit report that I do not recognize. I never applied to this company, nor did I give consent for them to access my credit file. This situation is deeply concerning and causing me unnecessary XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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 2025-01-29 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I filed a dispute on Account number : XXXX with XXXX due to unauthorized credit inquiries on my report, which I believe were the result of a data breach. XXXX denied to follow up with the investigation despite my concerns. Recently, I was notified that the CFPB has filed a lawsuit against XXXX, alleging the company of accepting unreliable information and failing to notify consumers of dispute results. This situation aligns well with mine, as XXXX has not attempted to remove or correct any inaccurate information on my credit report, particularly the unauthorized credit inquiries tied to my account. 

As a result, my credit has been negatively affected, and this is severely impacting my chances of securing [ a house, a car, etc. ]. XXXX failure to rectify this issue constitutes a violation of my rights as a consumer, as well as a breach of federal laws. I am requesting that the derogatory remark be removed or corrected immediately, as it continues to harm my financial opportunities and creditworthiness.

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 2025-01-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX associates account number a XXXX has violated my rights 15 usc.1681 section 602 a.state I have the right to privacy 15 USC 1681 Section 6048, section 2 also states that And consumer reporting agency can not furnish account information without my written instruction and or consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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:
In accordance with the fair credit reporting act, XXXX XXXX associates account number a XXXX has violated my rights 15 usc.1681 section 602 a.state I have the right to privacy 15 USC 1681 Section 6048, section 2 also states that And consumer reporting agency can not furnish account information without my written instruction and or consent

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: NC

Complaint narrative:
XXXX is reporting that XXXX accounts have the status paid in settlement. From XXXX to XXXX, I made several purchases. XXXX XX/XX/XXXX was the XXXX  purchase XXXX was paid in full never late, yet the status states paid in settlement. XXXX XX/XX/XXXX due to good payment history XXXX allowed me another purchase XXXX. All payments for that account were made on time never late and the account was paid in full. Again this account status is listed as paid in a settlement. XXXX XX/XX/XXXX again XXXX allowed me to make another purchase XXXX. As with the previous XXXX accounts, all payments were made on time, never late, and paid in full. Again this account status is being reported as paid in a settlement. XXXX then allowed me to make another purchase XXXX. On the account ending in XXXX, all payments were made on time, never late, and paid in full. I have disputed the XXXX accounts with XXXX and the credit bureaus. XXXX and the bureaus kept false, inaccurate data on my credit file. The bureaus failed to validate and verify the information according to the FCRA. 
XXXX continued to XXXX me credit on XXXX XX/XX/XXXX account ending XXXX. This account status is correct but have alleged late payments. I disputed this with the bureaus and XXXX back in XX/XX/XXXX which they both verified in the bull XXXX E-Oscar system but the payment ledgers show that all payments were made on time or in advance. I never just paid the minimum payments and was ahead often. On XXXX XX/XX/XXXX, I made a payment for XXXX which covered XXXX and XX/XX/XXXX. The ledger proves no late payments. 
XXXX opened my last account in XXXX in XX/XX/XXXX. This account has payments reported as late which is inaccurate. I paid ahead, on time, and never paid late leading to the account being paid in full. Again this was disputed but XXXX and bureaus verified and validated false information. 
The reporting of this false, unverified, inaccurate data is a violation of the FCRA and harmful to my character and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: CO

Complaint narrative:
Company has not removed improper information or provided me with requested 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 2025-01-29 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: AZ

Complaint narrative:
I am submitting this complaint regarding inaccurate late payments Account XXXX : XXXX that are reported on my credit file maintained by Equifax XXXX I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : XXXX. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
XXXX. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
XXXX. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the XXXX 's requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: AZ

Complaint narrative:
I am submitting this complaint regarding inaccurate late payments Account XXXX : XXXX that are reported on my credit file maintained by Equifax XXXX I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : XXXX. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
XXXX. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
XXXX. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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:
I am filing a compiaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX 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 disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the companies that I filed a dispute against XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Via Dealer 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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
( 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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 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 all violations.

Company response to consumer: Closed with explanation