vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-01-22 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: AZ

Complaint narrative:
As a federally protected consumer I have opted out of any consent I may have given, knowingly or unknowingly, written or verbal pursuant to 16 CFR Part 642. 



In XX/XX/year>, I called and notified that I was a victim of identity theft. I was instructed to submit a copy of the police report. I submitted my police report for identity theft and the items were removed, however, they were put back on my report. I called again regarding this issue in XXXX of XXXX  as well as to notify that my information had been part of the data breach. This reporting agency not only failed to protect my personal and financial information, but they continuously report inaccurate and false information, despite receiving documentation that refutes the report. 

This reporting agency failed to follow reasonable procedures to ensure the accuracy of my credit report, as required by 15 U.S.C. 1681e ( b ). This a direct violation of the FCRA and the Consumer Financial Protection Act. They have conducted sham investigations rather than properly reviewing the disputes as required by federal law. They have also refused to investigate hard inquiry disputes and ensure previously deleted tradelines are not improperly reinserted into a consumer 's file. 

This reporting agency has marked the disputed accounts as " disputed '' on my credit report. The derogatory remarks have caused me significant harm, including but not limited to : financial losses, denial for credit, extremely high interest rates, emotional distress, loss of business, loss of access to funding.

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 2025-01-22 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: LEXISNEXIS
State: CA

Complaint narrative:
As a protected consumer under Title 15, Chapter 41, I assert that your agency, as a consumer reporting agency, must respect the privacy rights associated with bankruptcy information. This information, as defined by federal law, is a private matter. The fact that LexisNexis has included this alleged bankruptcy based on third-party data sources ( e.g., XXXX, XXXX, and XXXX ) , without clear legal ties to the bankruptcy in question, violates the FCRA. 

Moreover, your agencys actions are also in violation of the Privacy Act of 1974, which prohibits the disclosure of records from federal systems of records without the individuals written consent. I did not provide such consent to LexisNexis for the release of this alleged bankruptcy information from the U.S. Bankruptcy Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: DE

Complaint narrative:
I noticed incorrect accounts on my credit report today, and I have no idea how they appeared. I regularly review my credit report, but this time, I found unexpected inconsistencies. I even tried refreshing my browser, thinking it might be a technical issue, but the inaccurate accounts were still there. Because of this, I am requesting a detailed review of the documents I submitted to prevent this from happening again.

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 2025-01-22 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:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: FL

Complaint narrative:
XXXX has over the last XXXX years continually refused to remove items from disputes using their app. Stating information updated, or information verified when in fact other bureaus have been removing the same information as unverifiable. The companies in question through direct contact have also refused or been able to verify said debt to myself and to third party repair services. XXXX has engaged in illegal act XXXX by gatekeeping negative items while attempting to push it's own alternatives to fix poor 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 2025-01-22 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: FL

Complaint narrative:
XXXX has over the last XXXX years continually refused to remove items from disputes using their app. Stating information updated, or information verified when in fact other bureaus have been removing the same information as unverifiable. The companies in question through direct contact have also refused or been able to verify said debt to myself and to XXXX  party repair services. XXXX has engaged in illegal act XXXX by gatekeeping negative items while attempting to push it's own alternatives to fix poor credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. 
Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: FL

Complaint narrative:
I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I 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 2025-01-22 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:
I am submitting this formal complaint regarding Experian 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed several fraudulent accounts and provided Experian with all necessary documents, including a valid identity theft affidavit, proof of address, and a government-issued ID. Despite receiving this documentation, Experian failed to block the disputed items within the XXXX business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. This lack of compliance contravenes established legal precedents, such as XXXX XXXX XXXX XXXX and XXXX XXXX Bank XXXX New York, which affirm consumers ' rights to accurate reporting and proper investigation of disputes. Furthermore, Experian 's disregard for its obligations under the XXXX XXXX bulletin exemplifies a systemic failure to uphold consumer protections mandated by the FCRA. The complaint number for my previous submission is XXXX, which was submitted on XX/XX/XXXX. I request that Experian immediately block and remove the fraudulent accounts from my credit report, provide a detailed explanation of the steps taken to verify the disputed accounts, and ensure compliance with 605B and 611 of the FCRA moving forward. Experian 's failure to address this issue promptly and in accordance with federal law has caused significant distress and harm to my financial well-being, and I urge the CFPB to investigate this matter thoroughly and ensure accountability for their non-compliance.

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

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 proces XXXX 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 2025-01-22 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: CT

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the US Federal Trade Commission that all 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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: OK

Complaint narrative:
On XX/XX/year> my account was charged XXXX  times for XXXX each from XXXX XXXX which was not authorized and i dont even have an account with coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: FL

Complaint narrative:
My dispute can not be turned into a XXXX  day dispute and must be removed within XXXX days under Section XXXX B. My identity has been stolen. These accounts are a result of identity theft and must be deleted immediately.

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 2025-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXX Last reported XX/XX/year> {$890.00} unauthorized transaction/ fraud inccorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: DC

Complaint narrative:
Earlier today ( XX/XX/XXXX ) I received a XXXX from XXXX, XXXX XXXX XXXX their subsidiary Cash App had processed XXXX transactions on my " account '' in XXXX for a total of {$4600.00}. I assume that they have continued processing those " transactions '' in XXXX. 

I have never had a cash app account. I've never used cash app. I probably didn't make XXXX transactions even on my credit card accounts in all of XXXX - and Casp app claims that I was the recipient of those funds- and I received no funds via Cash app or any credit card in all of XXXX. 

After receiving the erroneous XXXX I immediately called Cash app at which point they put me on hold for XXXX minutes to " investigate '' and then came back and refused to provide me with any information, refused to issue a corrected XXXX, refused to answer any questions, refused to even give me a list of the transactions they claim I made. They also refused to put me in touch with a supervisor or anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and XXXX counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
Ive had my cashapp account for XXXX  years now. For XXXX  years Everything has been under my name and social security number. I ordered a replacement card in XXXX and all of a sudden my legal name, social security number, and name on my card has just changed. They have not helped at all and can not explain it so they just respond saying they cant answer any further questions. Ive change my account to a business account in XXXX and everything was still fine. Now this year lo and behold my XXXX XXXX has been changed with the name and social security number. This makes no sense I dont know whether to sue at this point of what, but now XXXX cant even file my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CITIBANK, N.A.
State: NC

Complaint narrative:
Citi Card provided me an settlement agreement of {$4100.00} and it was all paid XX/XX/XXXX. The account was already closed and not active by the XX/XX/XXXX settlement agreement. After my settlement agreement was paid, it took them XXXX months to report to all XXXX credit bureaus. I was shocked to have seen the account still on my credit review account in XX/XX/XXXX and XX/XX/XXXX. Citi claims that they didn't close the account they archived the account and need to reopen the account to properly close the account.After all of the most recent federal laws being enforced for the last XXXX  years, they have caused me more financial problems for the past 5 years of paying more money for property insurance, utilities, auto insurance, and car payments.

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: OK

Complaint narrative:
On XX/XX/XXXX I started selling stocks in my CashApp XXXX is the list of the stocks sold. 


The following recaps my situation : {$14000.00} ( XXXX stocks ) {$3800.00} ( XXXX stocks ) ; {$11000.00} ( XXXX ) are the total numbers of stocks I cashed out, which totaled {$29000.00}. I sent XXXX to XXXX, which left a balance of {$28000.00}. {$300.00} used for XXXX XXXX, which left a balance of {$28000.00}. I initiated via the CashApp app the amounts of {$12000.00} + {$11000.00} + {$730.00} which totaled {$24000.00} that were deposited into my checking account ( attached is my checking account snapshot ). When I total {$24000.00} + {$580.00} ( XXXX ) + {$300.00} ( Swiss Colony ) + XXXX for CashApp fees it totals {$25000.00}. IThe difference between {$29000.00} - {$25000.00} equals {$3900.00}. 

I have sent this information to Cashapp representations, and they say that they must escalate the situation. I have also call a couple times and they say that someone will email me. I have only receivAed emails saying that they must escalate my situation. I have asked how long will it take before someone contact me and they are unable to give me an answer. I started this matter on XX/XX/XXXX and I am still waiting on somebody to contact me A my {$3900.00} that is my money. I figured I '' d better take this matter into my hands and do whatever I must to get my money back. I seem to be the only XXXX concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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:
Please ensure the unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not open these accounts, nor do I recognize them. Pursuant to USC 1681g, I am requesting their removal within XXXX days. The supporting documents are enclosed for your review and action.

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 2025-01-22 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: MI

Complaint narrative:
i have reviewed my credit reports and notice there is inaccurate late payments reporting to each credit reporting agency. name of account People driven credit union late payments reporting on the same day, but different days late. I am certain that i was never late on these dates. i am XXXX XXXX XXXX an looking for help to investigate this matter Account Name XXXX XXXX XXXX Account # XXXX Dates reporting inaccurate XX/XX/year> 60 days late XXXX XX/XX/year> XXXX  days Late Experian XX/XX/year> XXXX  days late 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 2025-01-22 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: FL

Complaint narrative:
These hard inquiries are fraudulent and do not belong to me. 

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/year>

Company response to consumer: Closed with explanation