vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 

Ive been disputing an account that was fraudulently opened in my name. The company, XXXX XXXX XXXX is listened on my credit report as a loan to which I have no knowledge of. 

XXXX claims to have done investigation, yet has not provided evidence of ownership. 

This account is severely impacting my ability to progress on a personal and professional basis. 



CFPB has all already filed a lawsuit against Experian XXXX XXXX alleging systemic issues such as failing to forward consumer provided evidence to furniture, excepting unreliable responses, and failing to adequately notify consumers of dispute, outcomes these failures align with my experience where has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed account as experience in action, violates federal law in my rights as a consumer.

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 2025-01-26 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: DC

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, my credit report was provided by the credit reporting bureaus : XXXX, XXXX, and Equifax without my consent to : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a result my credit file erroneously reflects hard inquiries at all three credit bureaus. identification theft is suspected ; however,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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 vunerable 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 inconvienence and financial loss, and I seek appropriate redress for the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: OH

Complaint narrative:
Company did not complete a thorough investigation even though I filed FTC complaint and a complaint with you. They only took 2 weeks to complete my investigation which I know isnt accurate given the nature of documents I submitted. I did not have none of the items removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX Account has been reporting inaccurate on my credit for years the balance is incorrect the dates are incorrect and it keeps reporting & the dates closed keep changing to extend the actual removal timeframe. This is unlawful but it's happening with XXXX XXXX XXXX XXXX also. This is also unfair and hindering my timelines to rebuild my life & my credit. I thought if they are reporting things inaccurate they have to fix them and or remove them. Neither is happening for me, I need a place to live for me & my kid these inaccuracies have us homeless.

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX Account has been reporting inaccurate on my credit for years the balance is incorrect the dates are incorrect and it keeps reporting & the dates closed keep changing to extend the actual removal timeframe. This is unlawful but it's happening with XXXX XXXX XXXX XXXX also. This is also unfair and hindering my timelines to rebuild my life & my credit. I thought if they are reporting things inaccurate they have to fix them and or remove them. Neither is happening for me, I need a place to live for me & my kid these inaccuracies have us homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: CA

Complaint narrative:
I am writing to formally submit a complaint regarding the reporting of late payments on my credit report for the months of XXXX and XX/XX/year> by Concora Credit. Despite my efforts to resolve this matter directly with the creditor, my request for the removal of these late payments has not been addressed. 

On XX/XX/XXXX, I contacted Concora Credit to request the removal of the late payments in question. Unfortunately, I did not receive a satisfactory response or any action taken to correct my credit report. This situation raises significant concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ) and California consumer laws. 

1. **Failure to Notify : ** I did not receive any notification regarding the late payments prior to them being reported. Under the FCRA, creditors must notify consumers of overdue payments and provide an opportunity to rectify the situation before reporting to credit bureaus. The lack of such notification constitutes a violation of this requirement.

2. **Inaccurate Reporting : ** The reporting of these late payments does not accurately reflect my payment history. According to Section 607 ( b ) of the FCRA, creditors are required to ensure the accuracy of the information they report. Given my consistent payment history with Concora Credit prior to these instances, the late payments appear to be inaccurately reported.

3. **California Consumer Credit Reporting Agencies Act ( CCCRAA ) : ** California law mandates that credit reporting agencies and creditors maintain accurate reporting practices. The failure to provide notification and the inaccurate representation of my payment history violate these consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: KS

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 explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am writing to file a complaint against the Navy Federal Credit Union regarding multiple overdraft fees, late fees, interest fees I have incurred, and unauthorize security deposit holds. 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 2025-01-26 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 redres-for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Continued Discrepancy and Repeated Verification of Inaccurate Negative Item by Experian Dear XXXX, I am writing to escalate an issue that I have been facing with Experian regarding the inaccurate reporting of a negative item on my credit file. Despite my previous attempts to resolve this dispute through Experians direct dispute process, the inaccurate item continues to be reported and verified, which I believe is incorrect and unfairly damaging my credit.

The negative item in question relates to [ insert the name of the creditor, account number, and date of the negative item ]. This account has been marked as verified multiple times by Experian, even though I have provided supporting evidence that shows it 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 explanation
Consumer complaint received 2025-01-26 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: NC

Complaint narrative:
XXXX XXXX, Consumer Social Security Number : XXXX XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been Filed to request pursuant to FCRA 605B ( 15 U.S.C. XXXX ) that you, the EQUIFAX credit reporting agency , shall block information appearing on my consumer credit report that is the result of identity theft and fraud and remove these accounts within four business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of bank loan XXXX XXXX XXXX, balance {$1200.00}, on XX/XX/XXXX acct # XXXX. 
an auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX, balance {$2700.00} under the account # XXXX. 
A lease account opened at XXXX XXXX XXXX on XX/XX/XXXX, balance of {$3400.00}, account # XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
I made a settlement with exterr finance and the company updated it as a charge off please delete the debt because its settled

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: OH

Complaint narrative:
i have late payments that are not prohibited to be reporting on my report due to the TILA section ( 1666b & 1637 ( b ) ) and FCRA section ( 1681s-2 & 1681 ) they keep sending letters back saying verified but i know they are not doing their jobs. 
the accounts are XXXX XXXX  card services acct # XXXX limit XXXX have XXXX late payments on whole account which i was not late XXXX XXXX  acct # XXXX limit XXXX have XXXX late payments which i was never late sofi bank acct XXXX limit XXXX XXXX  XXXX  acct # XXXX limit XXXX and the law that congress passed 15usc 1666 ( a ) & ( b ) a creditor may not treat a ( PAYMENT ) on a credit card account under an open end consumer credit plan as LATE for any purpose. 
please update these and handle in a timely matter thank you. 
unauthorized inquires XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX amount of XXXX law that congress passed 15 usc 1681 i 15 usc 1681s-2 26 u.s code 9816 its unlawful to report medical bills to credit.

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 2025-01-26 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: OH

Complaint narrative:
i have late payments that are not prohibited to be reporting on my report due to the TILA section ( 1666b & 1637 ( b ) ) and FCRA section ( 1681s-2 & 1681 ) they keep sending letters back saying verified but i know they are not doing their jobs. 
the accounts are XXXX XXXXXXXX XXXX XXXX acct # XXXX limit XXXX have XXXX late payments on whole account which i was not late XXXX XXXX  acct # XXXX limit XXXX have XXXX late payments which i was never late XXXX  XXXX  acct XXXX limit XXXX XXXX  XXXX acct # XXXX limit XXXX and the law that congress passed 15usc 1666 ( a ) & ( b ) a creditor may not treat a ( PAYMENT ) on a credit card account under an open end consumer credit plan as LATE for any purpose.

please update these and handle in a timely matter thank you. 
unauthorized inquires XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX amount of XXXX law that congress passed 15 usc 1681 i 15 usc 1681s-2 26 u.s code 9816 its unlawful to report medical bills to credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit score is inaccurate on experian my actual credit score is XXXX and they have 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 2025-01-26 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:
There have been situations where some payments would be held for processing after available funds were no longer available. This would cause overages fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$520.00} XXXX  # XXXX XX/XX/XXXX -- {$170.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$100.00} TX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$3300.00} XXXX # XXXX XX/XX/XXXX -- {$910.00} XXXX  # XXXX XX/XX/XXXX -- {$2600.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX -- {$17000.00} TX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX TX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$13000.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} TX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$2000.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$260.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1100.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$170.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2025-01-26 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: WI

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 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Item on Credit Report Dear XXXX, I am writing to formally file a complaint regarding an inaccurate item ( s ) on my credit report that continues to negatively impact my credit score. Despite my efforts to resolve this matter directly with the reporting agency, it remains unresolved. 

The inaccurate item in question is [ XXXX XXXX XXXX account number XXXX in the amount of {$380.00}, capital one bank account number XXXX in the amount of {$2500.00}, XXXXXXXX XXXX  account number XXXX it was paid off in 2019, credit one bank account number XXXX Ive never owned this account, stride bank account number XXXX account is current and is showing negative, amongst others ]. This information is incorrect and does not accurately reflect my true credit history. 

I request an immediate investigation into this matter and the removal of these item from my credit report. I believe that correcting this error is essential for maintaining the accuracy of my credit profile. 

Please confirm the receipt of this letter and inform me of the steps you will take to resolve this issue. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
I had a balance on credit card that I was not aware of ( {$110.00} ), I was never notified about it until It was posted on my credit report on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be removed because I was not aware of the balance and it dropped my XXXX XXXX XXXX points. The representative agreed and the mark was removed 5 days later. 
But then a month later they replaced the mark.

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