vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 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: OH

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigale my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian 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 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 Experian complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: MD

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 explanation
Consumer complaint received 2025-02-07 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:
I am writing to follow up on my dispute regarding the inaccurate bankruptcy information on my credit report. Despite the Fair Credit Reporting Act ( FCRA ) 611 requiring a response within 30 days, I have yet to receive any confirmation from your department. 
The erroneous bankruptcy details in question are as follows : XX/XX/XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX/XXXX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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:
I am writing to follow up on my dispute regarding the inaccurate bankruptcy information on my credit report. Despite the Fair Credit Reporting Act ( FCRA ) 611 requiring a response within 30 days, I have yet to receive any confirmation from your department. 
The erroneous bankruptcy details in question are as follows : XX/XX/XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX/XXXX/2016

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 2025-02-07 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: ID Analytics, Inc.
State: MI

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: CA

Complaint narrative:
XX/XX/XXXXXXXX2024. 
XXXX2024. 
XX/XX/XXXX- XX/XX/scrub>/2024.

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 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 2025-02-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-07 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:
multiple overdraft fees that I have incurred on my accoun I believe these fees were charged unfairly due to the lagged posting of charges and credits. 

Despite having sufficient funds available at the time my transactions were authorized, I was charged overdraft fees when transactions were processed. This experience aligns with recent findings from the Consumer Financial Protection Bureau ( CFPB ) against Navy Federal Credit Union, which reported similar practices involving transactions settling with insufficient balances despite initially available funds. 

I find these practices to be unfair and detrimental to customers who manage their accounts responsibly. Therefore, I kindly request a thorough investigation into my account transactions leading to these fees. I would appreciate a detailed explanation of how these charges were applied and any corrective actions that can be taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$120000.00} XXXX XXXX XXXX Balance {$120000.00} XXXX XXXX XXXX Balance : {$120000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$120000.00} XXXX XXXX XXXX Balance {$120000.00} XXXX XXXX XXXX Balance : {$120000.00}

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 2025-02-07 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: MD

Complaint narrative:
I kindly urge you to remove these fraudulent accounts from my credit report, as I neither initiated them nor was aware of their existence. According to USC 1681g, I am requesting their deletion within 15 days. Supporting documents have been provided.

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 2025-02-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the account XXXXClimb Credit ( Account # : XXXX ) as it appears on my credit report. This account was opened fraudulently due to manipulation and deceit by Climb Credit and XXXX XXXX. I request that it be removed from my credit report immediately under the Fair Credit Reporting Act ( FCRA ). 

Details of the Fraud & Manipulation : Misrepresentation & Deception : Climb Credit and XXXX XXXX misrepresented the financial terms of this loan. I was misled into believing that I was not taking out a loan and was instead signing up for an educational program with flexible payment assistance that would not negatively impact my credit. 

Lack of Full Disclosure : Key details about interest rates, loan repayment terms, and financial obligations were not clearly disclosed to me. The loan agreement was presented in a way that pressured me into signing under false pretenses without allowing me to fully review or understand the financial burden. 

Predatory Lending Practices : XXXX XXXX falsely advertised job placement rates and return-on-investment claims, leading me to believe this program would result in a high-paying tech job, which would allow me to easily repay any financial obligation. These claims turned out to be deceptive, and Climb Credit exploited this misinformation to trap me in a loan I never intended to take out.

Fraudulent Conduct : After realizing the deceitful nature of this agreement, I attempted to resolve this issue with Climb Credit, but they have failed to provide me with any legitimate proof that I authorized this debt knowingly and with full transparency. 

Dispute Request : Because this account was established under fraudulent and deceptive circumstances, I am requesting the following : Immediate removal of this account from my credit report with all three credit bureaus. A full investigation into the legitimacy of this account and the predatory lendin
g tactics used by Climb Credit and XXXX XXXX. 
A statement reflecting this dispute to be included in my credit file until the matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: OH

Complaint narrative:
I use the CashApp borrow feature often, one time I had an issue where I borrowed {$50.00}, and never received it. Somehow the money reflected in my account, but I never actually received it. I normally deposit to a debit card but I added a bank account instead, and when I withdrew, the money never went into my account, it stayed negative. I contacted customer service through chat, I was disconnected mid conversation and said they were closed?! So I started a new chat and was immediately out with someone else, they were not closed its 24/7 customer service?! I was disconnected mid conversation a second time. I called customer service where I was also hung up on! I understand why, I sent screenshots of my bank statement, and the {$50.00} showed in my statements, but I never actually received the money, my account stayed negative for 2 weeks before I realized I was screwed. I ended up having to pay back the {$50.00} I never got

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: IL

Complaint narrative:
My Credit Report has been full of inaccurate and misleading information for several years with me requesting that these items be investigated and removed and I have been unable to resolve this issue on my own. I have been a victim in several data breaches including one involving Equifax which then resulted in me checking my report and finding so many errors that I just couldnt believe it! There are 13 Hard inquiries which I absolutely have no memory of as well as there being reported that I have several variations of my name when I have only ever went by one name as well as a ridiculous amount of different addresses some of which are combinations of two different geographical locations however those are not addresses that should be associated with me incorrect or not. One of the addresses that is listed on my report belongs to a casino and it just is one inaccurate piece of information after another all of this has been what I can only describe as a prison and a tremendously heavy burden that has absolutely destroyed my spirit, my relationships, my professional life and various opportunities that I could have had a much better chance to achieve had this not been standing in my way like an obstacle that no matter how hard I work and how hard I try! I have been crippled by this inaccurate and unreliable and misleading reporting from all three of these bureaus. I am here today to ask you to please use whatever power you have to please make these people, this company who does not care that what they are reporting about me is incorrect and inaccurate and hurtful to me and my ability to make a living and to be able to obtain credit and It has been years of them doing nothing to flx there mistakes and had I known that the CFPB even existed I would have been begging you a long time ago to make these people accountable and make them fix this inaccurate information! My credit report should have only ONE NAME, TWO ADDRESSES, TWO STUDENT LOAN ACCOUNTS AND THAT IS ALL. Everything else is inaccurate, or unrecognizable, or I am unfamiliar with! So unless I can be provided with some form of believable proof and evidence I want these items removed and I want all the extra names and addresses removed because they are supposed to reporting true and accurate information and they most definitely are not! Please dont think that I am getting on you about this in any way because I can assure you that is not the case! I am very very happy and grateful that you are able to possibly help me put an end to this! Thank you very much for your time and for taking time to listen and possibly help! Have a wonderful weekend and I look forward to possibly hearing from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Liability for Negligence Under 15 U.S.C. 1681o Dear Experian, I am writing to formally dispute any alleged liability for negligence under 15 U.S.C. 1681o regarding XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX. I believe that any claim of negligence in these matters is unfounded and unsupported by the facts or applicable law. 

To clarify : 1. Violation of My Rights Any attempt to hold me liable without substantiating evidence may constitute negligent noncompliance under 15 U.S.C. 1681o, which requires that information affecting my legal standing be handled with due diligence and accuracy.

2. Failure to Provide 100 % Accurate Information The information used to assert liability against me contains errors, inconsistencies, or lacks complete supporting documentation. Any determination of liability must be based on verifiable and fully accurate records, which have not been provided.

3. Request for Documentation If there is any evidence suggesting liability, I formally request that you provide all supporting documentation, including any reports, records, or statements used to reach this conclusion.

Pursuant to my rights under federal law, I request that you immediately : Immediately cease any further action that assumes liability on my part.

Correct any records reflecting an erroneous determination of negligence.

Provide written confirmation that my dispute has been reviewed and resolved appropriately Failure to comply with these requests may result in further legal action to enforce my rights under the Fair Credit Reporting Act. Please respond to this dispute in writing within 30 Days from the date of this letter.

I appreciate your prompt attention to this matter. Please direct all correspondence to my contact information above. 

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