vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-08 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I use Experian and have an account with them. I reported a dispute for a car loan I paid off and a student loan that was no longer valid that had a negative report of missed 3 payments. 

I won't the disputes and the were taken off my credit report, then I looked at my credit score and it dropped XXXX points. Nothing on my credit report changed except for those coming off. 

There is no reason for me to be dinged for paying off obligations and making my payments on time. 

This has changed the class of the standing on my credit report and has negative impacted me to be credit worthy to companies that I would like to do business with. 

This company needs to be investigated due to their unfair and misconduct crippling people with their influence to lenders and job opportunities.

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 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX opened on XX/XX/year>. 
I am reporting a fraudulent account found in my credit 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 non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
( I am filing a complaint against Ca

sh 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 s
ignificant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: NY

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 explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I have disputed several times. The account keeps coming back witching a day or two as true. They havent investigated further. This is ruining my life. How can I prove that I am me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Dispute of Collections and Charge-Offs on Credit Report : Dear Experian, I am writing to formally dispute certain entries on my credit report, specifically related to collections and charge-offs. This dispute is being submitted under the Fair Credit Reporting Act ( FCRA ), particularly referencing 15 U.S.C. 1681s-2 ( a ) and 15 U.S.C. 1666b. 

The entries in question are as follows : XXXX. XXXX XXXX XXXX Acct # XXXX XXXX : XXXX XXXX XXXX {$22000.00} XXXX. XXXX XXXX Bank Acct # XXXX XXXX : XXXX XXXX Balance {$720.00} I believe that the information reported is inaccurate because Under 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to report accurate information to credit reporting agencies. If the information is found to be inaccurate or incomplete, it must be corrected or deleted.

Additionally, according to 15 U.S.C. 1666b, creditors must ensure that the information provided is truthful and reflective of the actual account status. As such, I request that Experian conduct a thorough investigation into these entries and remove any inaccuracies from my credit report.

I kindly ask that you complete your investigation promptly and inform me of the findings. Should the investigation confirm the inaccuracies, I request that you remove the disputed collections and charge-offs from my credit report and provide written confirmation of such action.

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

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 2025-02-08 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: FL

Complaint narrative:
I am reaching out regarding an inquiry on my credit report that I did not authorize and that has no permissible purpose. This is a violation of my rights, and I am requesting that this unauthorized inquiry be promptly removed from my credit 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 2025-02-08 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: CA

Complaint narrative:
Hi my name is XXXX XXXX and this is your **final and non-negotiable** demand to **immediately** delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. 
**Pursuant to 15 U.S.C. 1681b**, you are illegally reporting and sharing my personal information without my explicit authorization.

**You do not have my consent, and you have never had my consent** to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains **unauthorized inquiries** that I did not initiate, which makes me a **victim of identity theft**.

**Under 18 U.S.C . 8**, I owe **absolutely no debt** to the companies listed. Your failure to delete these inaccuracies immediately will result in **severe legal consequences**. I will **not hesitate** to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the **Federal Trade Commission ( FTC ) ** and the **Consumer Financial Protection Bureau ( CFPB ) **.

2. Initiating civil lawsuits for violations of my rights under the **Fair Credit Reporting Act ( FCRA ) **.

3. Seeking **statutory and punitive damages** for your gross negligence and failure to comply with federal law. 
You are hereby notified that you have **no further opportunity** to delay or ignore this matter. I **demand** that all incorrect entries and unauthorized inquiries be deleted **immediately** and **permanently**. This is your **final warning**, and I expect **written confirmation** of the deletions without delay.If I do not receive confirmation of the deletions within the next 10 business days, I will proceed with full legal action, which will result in **significant consequences** for your continued disregard of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/XXXX Bank of America was informed that escrowed wind and hail was due by way of and expectation notice from XXXX XXXX 
Between XX/XX/XXXX and XX/XX/XXXX BOA and XXXX have multiple conversations but no payment is scheduled. 
XX/XX/XXXX XXXX insurance sends BOA a bill for Wind And Hail insurance. 
XX/XX/XXXX BOA tells XXXX they are scheduling a payment XX/XX/XXXX XXXX received a message that BOA was again scheduling a payment XX/XX/XXXX BOA snail mails insurance payment to XXXX XXXX cancels policy XX/XX/XXXX XXXX issues a request to bind XX/XX/XXXX XXXX received payment from BOA No insurance in place for the last month of hurricane season. 
BOA requires I pay forced place insurance thru them XX/XX/XXXX for the month of lapsed coverage time XXXX BOA on XX/XX/XXXX issues a policy back dating it thru XXXX XXXX XXXX I have talked to BOA on multiple occasions and they will not accept any responsibility for the miscommunication and lack of timely payment. 
This had possible catastrophic consequences if a hurricane had hit like XXXX in 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 2025-02-08 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: CA

Complaint narrative:
Hi my name is XXXX XXXX and this is your **final and non-negotiable** demand to **immediately** delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. 
**Pursuant to 15 U.S.C. 1681b**, you are illegally reporting and sharing my personal information without my explicit authorization.

**You do not have my consent, and you have never had my consent** to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains **unauthorized inquiries** that I did not initiate, which makes me a **victim of identity theft**.

**Under 18 U.S.C . 8**, I owe **absolutely no debt** to the companies listed. Your failure to delete these inaccuracies immediately will result in **severe legal consequences**. I will **not hesitate** to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the **Federal Trade Commission ( FTC ) ** and the **Consumer Financial Protection Bureau ( CFPB ) **.

2. Initiating civil lawsuits for violations of my rights under the **Fair Credit Reporting Act ( FCRA ) **.

3. Seeking **statutory and punitive damages** for your gross negligence and failure to comply with federal law. 
You are hereby notified that you have **no further opportunity** to delay or ignore this matter. I **demand** that all incorrect entries and unauthorized inquiries be deleted **immediately** and **permanently**. This is your **final warning**, and I expect **written confirmation** of the deletions without delay.If I do not receive confirmation of the deletions within the next 10 business days, I will proceed with full legal action, which will result in **significant consequences** for your continued disregard of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: Kriya Capital, LLC
State: AL

Complaint narrative:
My info was exposed in a data breach Ive had unknown people contacting me with all of my information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Went to XXXX end of year XX/XX/year>. With coworkers as I left I brought something for XXXX bucks used my card .. two days later I get a notification for XXXX I called XXXX immediately to dispute XXXX told me they seen the first transaction then they seen the second one come in and was denied then XXXX ran both transaction together and it went through I email XXXX the text messages showing my coworker did it without my knowledge he was drunk and left without paying so the bartender ran the last card from the group which I had nothing to do with very unfair XXXX said. Because I had my card in my person it was my responsibility when tho both transactions was hours apart because I left and was unaware of this charge

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Procollect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REFERENCE # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Dispute of Collection Account 15 U.S.C . 1679c Dear XXXX, XXXX I am writing to formally dispute the accuracy of a collection account that has been reported on my credit file. After reviewing my credit report, I believe this account is inaccurate and should be removed. I am disputing this collection under 15 U.S.C. 1679c, which protects consumers from inaccurate reporting, and request its removal from my credit file. The disputed collection details are as follows : PROCOLLECT INC Account Number : XXXX Date Reported : XX/XX/year> Disputed Amount : {$500.00} I am asserting that this collection account is incorrect for the following reasons XXXX XXXX XXXX ON XXXX XXXX. Under 15 U.S.C. 1679c, if the debt is not valid or the collection is improperly reported, it should be removed. I am requesting that you investigate this account, and if the debt can not be properly verified, it must be removed from my credit file. Please conduct your investigation in compliance with the Fair Credit Reporting Act ( FCRA ) and inform me of the results. If you find that this account can not be verified or is otherwise incorrect, I request that you immediately remove it from my credit report. Attached are any relevant documents supporting my dispute ( e.g., payment records, settlement agreements, or proof of non-ownership ). I look forward to your prompt response to this dispute and expect your reply within the 30-day time frame mandated by law. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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 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 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 XXXX XXXXXX/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 explanation
Consumer complaint received 2025-02-08 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: CA

Complaint narrative:
I am writing to bring to your attention a critical issue regarding my credit report. Upon reviewing my report, Ive found that an account that does not belong to me is being incorrectly mixed with my credit information. This account is clearly associated with another individual, and I have no connection to it whatsoever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
I finished paying my loan early to TD Auto Finance on XX/XX/year> per the terms of the contract. TD Auto closed my account shortly afterwards because my account balance was XXXX. I have screenshots, records, and the contract to prove all this. 

My understanding is that the lender, TD Auto, is legally required to notify the WA DOL to print and mail the title to my address. 

It has been 90 days since my contract ended on XX/XX/year>. I called TD Auto multiple times in XXXX and they have claimed to be mailing me the release letter but it never arrived. I know they have my correct mailing address because they've mailed me privacy notices and even a check for under {$1.00} because I overpaid slightly. I filed a complaint with the WA State Department of Licensing but they refused to help me because TD Auto is foreign ( XXXX ). 

I just want my title. I made every single payment on time for four years and I don't understand why they are dishonoring the terms of the contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: MI

Complaint narrative:
I, XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my transunion credit report:1. XXXX XXXX Account Number:XXXX, Opened XX/XX/year>. 2. XXXX Account Number:XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: MI

Complaint narrative:
I, XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my transunion credit report:1. XXXX XXXX Account Number:XXXX, Opened XX/XX/year>. 2. XXXX Account Number: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