vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 2025-02-01 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: Byrider Franchising, LLC
State: MA

Complaint narrative:
I recently was notified that CFPB has filed a lawsuit against XXXX. they alleged the company of accepting unreliable information, failure to notify consumer dispute results. this aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I am requesting these derogatory remarks be removed or corrected immediately as it's affecting my chances of purchasing a home. XXXX denied to follow up with the investigation. XXXX violates my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: CLGF Holdco 1, LLC
State: MA

Complaint narrative:
I recently was notified that CFPB has filed a lawsuit against XXXX. they alleged the company of accepting unreliable information, failure to notify consumer dispute results. this aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I am requesting these derogatory remarks be removed or corrected immediately as it's affecting my chances of purchasing a home. XXXX denied to follow up with the investigation. XXXX violates my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: TX

Complaint narrative:
15 U.S. Code $ 1681c-2 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTIS.

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
This account was dismissed in court Im not responsible for said debt. The plaintiff abosolute resolutions the plaintiff has file a motion to dismiss

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
iam writing to formally express my concerns regarding the Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's finding indicates that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. this lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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:
I have recently disputed items on both Experian and Equifax with documents XX/XX/XXXX thru XX/XX/XXXX, that was requested by the bureaus in order for the disputed items to be removed. Experian and Equifax has failed to properly investigate and view my documentation that was sent to verify my disputes. Instead, they listed the items as VERIFIED AND UPDATED numerous times. One representative at Experian stated she did not see the documentation that was sent in on file while another was able to verify the documentation was on file. This is not the first time I have filed a complaint or disputed these items and they have failed to remove them. Transunion has removed said items and took into account my documents. I have expressed this to both Experian and Equifax. An Experian representative has informed me that they do not investigate any disputes but that they send the information that a consumer sends to them to the creditors and if the creditors state the information they have on file is accurate then the bureaus list the items as VERIFIED AND UPDATED. They continuously send stalling letters stating they need proof of my identity or they could not process my disputes due to me not verifying the reason for the disputed items to be removed. The items are XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX, All have been listed on my FTC report that the bureaus stated I have to have in order to process my disputes and have these items removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: IL

Complaint narrative:
I have an existing statement on my credit report informing no one to open an account without verifying with me and they have to call the number thats listed because I was a victim of identity theft! A collection was reported from XXXX XXXX XXXX. Its utility bill from XXXX Texas. I provided my driver license, bank statements even employer address and requested information from the dispute. Nothing was provided!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I have an existing statement on my credit report informing no one to open an account without verifying with me and they have to call the number thats listed because I was a victim of identity theft! A collection was reported from LVNV funding LLC. Its utility bill from XXXX Texas. I provided my driver license, bank statements even employer address and requested information from the dispute. Nothing was provided!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: VA

Complaint narrative:
I just recently checked my credit report XX/XX/XXXX. I saw some hard inquires that did not have permissible purpose. I attached some evidence XXXXXXXX XXXX XXXX  XX/XX/XXXX. the inquiry has no permissible purpose to be on my report due to violation of 15 usc 1681b XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: VA

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 lagging 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 2025-02-01 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 formal complaint against cash app ( block, inc. ) for inadequate customer service and unfair practices that violate the 12 U.S.C. 5531 ( a ). Specifically, cash App failed to implement timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected, which constitutes an unfair and deceptive act or practice under CFPA. Furthermore, cash Apps dispute resolution process was both unfair and deceptive. They failed to comply with the error resolution requirements mandated by the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693f, and its implementing regulation, Regulation E, 12 C.F.R. 1005.11. These laws require financial institutions to investigate and resolve disputes promptly and in good faith, yet Cash App failed to meet these obligations. These violations have caused significant inconvenience and financial loss. I am seeking appropriate redress for these violations of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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:
I am filing a complaint against Equifax for equifax dispute removal 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 ( FRCA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFRA ) 12 U.S.C. 5366 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof investigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: IL

Complaint narrative:
I am filing a complaint against Equifax for equifax dispute removal 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 ( FRCA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFRA ) 12 U.S.C. 5366 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof investigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: NC

Complaint narrative:
I am filing a complaint against Equifac for failing to proparly 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, 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act, 12 U.S.C. 5536, as highlihgted in the CFPB 's recent administrative proceeding ( File No. 2025- CFPB-0002 ) against them for similiar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provide consumers with the necessary proof of investigation.

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

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 
Collections/closed XXXX XXXX XXXX US Department of Education US Department of Education

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: 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 1681.

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 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 2025-02-02 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: 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 1681.

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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: MN

Complaint narrative:
On XX/XX/XXXX, I noticed that my loan balance with Aidvantage had increased by {$100.00} without explanation. My previous Aidvantage statement from XX/XX/XXXX, showed a balance of {$27000.00}, but as of XX/XX/XXXX, my balance was listed as {$27000.00}. This increase is not reflected in my official XXXX XXXX XXXX XXXX XXXX ( XXXX ) records. 

I contacted Aidvantage via their online messaging system to request a detailed breakdown of this balance adjustment, including an explanation of whether this was an interest charge, adjustment, or error. Aidvantage has not yet provided an adequate response or clear documentation proving this charge was valid. 

This unexplained increase raises concerns about potential mismanagement or errors in Aidvantages loan servicing. I am requesting an official investigation into this matter to ensure that Aidvantage is accurately reporting loan balances and not making unauthorized adjustments. Additionally, I request that Aidvantage provide a full and transparent explanation of this {$100.00} increase and correct my balance if this charge was applied in error.

If Aidvantage fails to provide a valid explanation or adjust my balance accordingly, I am prepared to escalate this matter further to the Federal Student Aid Ombudsman and the Department of Educations Office of Inspector General.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: IL

Complaint narrative:
I have an existing statement on my credit report informing no one to open an account without verifying with me and they have to call the number thats listed because I was a victim of identity theft! A collection was reported from XXXX XXXX XXXX. Its utility bill from XXXX Texas. I provided my driver license, bank statements even employer address and requested information from the dispute. Nothing was 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 explanation
Consumer complaint received 2025-02-02 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: KY

Complaint narrative:
I am disputing the information regarding an account I do not recognize, which appears on my credit report. If this debt can not be properly validated, I request that it be removed from my credit report in accordance with FCRA Section 611 ( 15 U.S.C. 1681i ). Please note that verification is NOT the same as validation, and I expect this account to be removed if it can not be properly verified

Company response to consumer: Closed with explanation