vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 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: AL

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 168b permissible purposes of consumer reports. 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.

has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I was in a XXXX XXXX XXXX and it was not my fault. I had the GAP insurance and it's still showing on my credit I owe them. And call them alot of time and didn't get anything solved.

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 2025-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WV

Complaint narrative:
On XXXX I responded to this alleged debt which is illegal and identity theft and fraud by debt collectors resurgent and lvnv I asked for forward flow agreement and sale data file they provided none I sent this request certified mail disputes 15 usc XXXX. 15 usc XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XX/XX/year> Experian Information Solutions , Inc . 
Dispute Department XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. 

Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected.

Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 
3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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 submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the Equifax, Experian, and Transunion data breach.

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 2025-02-16 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 submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
writing to file a formal complaint against Experian, for failing to oly with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i and 15 c. 1681e ( b ). Despite providing evidence that late payment entries on my credit report are curate, the credit bureaus have not corrected or removed these items. On XXXX Account number ended XXXX ( XXXX ) I ited the inaccuracies with all three CRAs, providing supporting documentation, including [ li ence, such as bank statements or payment receipts ]. However, the CRAs failed to investigat lispute properly, did not verify the accuracy of the information, and did not remove the leous late payments as required under 15 U.S.C. 1681i.

er 15 U.S.C. 1681e ( b ), the CRAs are required to ensure the maximum possible accuracy of formation reported on my credit file. By failing to correct the false late payment informatio have violated this obligation, which has harmed my creditworthiness. I request that the CFl vene to ensure that the CRAs fulfill their duties under the FCRA, correct the inaccuracies, a ve the disputed items from my credit report. I trust that the CFPB will take appropriate acti solve this matter and protect my consumer rights. 
ik you for your attention to this issue. 
erely, I would like all of my late payments to remove and show pay on time. 


XXXX XXXX XXXX Date of Birth XX/XX/year>

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 2025-02-16 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: WI

Complaint narrative:
I reached out to XXXX regarding the delinquent account that shows on my credit report with all XXXX  major bureaus XXXX, XXXX, and TransUnion. I also started a dispute with XXXX, and I received a letter stating they couldn't locate any account tied to my name or social security number. This account is currently unverifiable and should have been removed from my credit report. I dispute this item as well with all three major bureaus multiple times. There investigation never lead to the removal of this item.

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 2025-02-16 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: WI

Complaint narrative:
I reached out to XXXX regarding the delinquent account that shows on my credit report with all three major bureaus XXXX, XXXX, and TransUnion. I also started a dispute with XXXX, and I received a letter stating they couldn't locate any account tied to my name or social security number. This account is currently unverifiable and should have been removed from my credit report. I dispute this item as well with all three major bureaus multiple times. There investigation never lead to the removal of this item.

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 2025-02-16 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: GA

Complaint narrative:
During my time as a consumer with Navy Federal Credit Union, I was charged several times for for overdraft fees without notice and when my account didn't have suficient funds due to hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: NJ

Complaint narrative:
I am filing this complaint for the misleading, inaccurate information reporting on XXXX XXXX  XXXX XXXX Account number XXXX. The account is reported late on several occasions in XXXX, XXXX, and XX/XX/year>. Under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, and other pertinent Consumer Protec on Laws, I, as a consumer, hold the right to have accurate, current, and complete information on my credit report. I trust that all reporting agencies, including yours, abide by these obligations.

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 2025-02-16 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: VA

Complaint narrative:
I am submitting a complaint against Equifax for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies Equifax has not fulfilled it's legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. 1681i ( a ) ).

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 2025-02-16 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: VA

Complaint narrative:
I am submitting a complaint against Equifax for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies Equifax has not fulfilled it's legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. 1681i ( a ) ).

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 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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. 
XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: PA

Complaint narrative:
Subject : Discovers Failure to Properly Investigate Unauthorized XXXX XXXX Transaction Complaint : I am filing a complaint against Discover Financial Services for failing to properly investigate an unauthorized transaction made through XXXX XXXX. Despite providing clear written evidence from the merchant ( XXXX ) confirming that the transaction was not linked to my account, Discover has refused to take action, stating that XXXX XXXX transactions can not be disputedan inaccurate and misleading claim. 

Issue Details : On XX/XX/year>, an unauthorized XXXX XXXX transaction for {$340.00} was processed at XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX 
I contacted XXXX  fraud department, who confirmed in writing that this transaction was not associated with my account and was linked to a different guest profile. 
Despite this clear evidence, Discover denied my dispute, falsely claiming that because the transaction was made via XXXX XXXX, they could not investigate or take action. 
XXXX XXXX confirmed they could not assist further, as financial institutions handle disputes. 
XXXX also could not verify the Device Account Number used for the transaction, because after my initial complaint, Discover canceled my card and issued a new one, making it impossible for me to access my previous XXXX XXXX details. 
Discover never attempted to verify whether the Device Account Number used matched my XXXX XXXX, which would have definitively determined whether the charge was mine or not. 
Why This is Unfair & Needs Action : Failure to Conduct a Proper Investigation Discover dismissed clear merchant-provided evidence and did not verify critical transaction details. 
Misrepresentation of XXXX XXXX Dispute Policy Discover falsely claims XXXX XXXX transactions can not be disputed, despite known cases of fraud and merchant processing errors. 
Lack of Consumer Protection Discovers refusal to act leaves me without recourse for an unauthorized transaction.

Requested Resolution : Reopen my dispute and conduct a proper investigation, including verifying the Device Account Number used for the transaction. 
Provide a written explanation detailing what steps were taken in the investigation if Discover continues to deny my claim. 
Ensure Discover is following CFPB regulations regarding fair consumer dispute investigations. 
I have exhausted all reasonable steps to resolve this issue with Discover, yet they refuse to assist despite clear evidence of an error. I request that the CFPB investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
All XXXX credit bureaus dealing with old loan accounts that were closed 6 years ago know acting like I just opened them.. oliphant and midland credit XXXX Charge offs that should come off credit in about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
All XXXX credit bureaus dealing with old loan accounts that were closed 6 years ago know acting like I just opened them.. XXXX and XXXX XXXX  XXXX Charge offs that should come off credit in about.

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 2025-02-16 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: SD

Complaint narrative:
I submitted a complaint to the credit bureaus over a month ago, yet the incorrect information on my report remains unchanged. I have not received any updates from the bureaus, aside from your notification indicating that the company has addressed my complaint. How can I be assured that they have thoroughly investigated the inaccuracies? What verification methods were utilized to assess the accounts? This situation is extremely frustrating. More than 30 days have passed since my complaint, and the disputed accounts are still not updated. If this persists, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, especially in light of the data breach involving Equifax, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: OLIPHANT FINANCIAL, LLC
State: SC

Complaint narrative:
All 3 credit bureaus dealing with old loan accounts that were closed 6 years ago know acting like I just opened them.. oliphant and XXXXXXXX XXXX XXXX Charge offs that should come off credit in about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

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 2025-02-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: UPGRADE, INC.
State: PA

Complaint narrative:
I don't remember opening this account, i know this account is already closed but it was mark as Delinquency and it is affecting my credit score. Somebody stole my identity to open this account, so, i need this account removed from my credit report asap please. And i noticed this account was never late because it has some littler payments attached to the account.

Company response to consumer: Closed with explanation