vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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: VA

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( 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 2025-01-21 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: VA

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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( 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 2025-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AL

Complaint narrative:
As stated previously, I have several applications showing processing. I received a letter I was in forbearance XXXX and a past due notice on XX/XX/24 and XX/XX/24. I have reached out a number of times for some clarity but have received no response. I have also reached out to federal student loan department, and they send a form letter to contact my loan servicer Mohela. I am afraid that this will go on my credit report before someone will help me get it straightened out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: NC

Complaint narrative:
I am writing to formally dispute the inaccurate information currently reported on my credit file. Under my rights granted by the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), I hereby request an immediate investigation and removal of the following erroneous accounts and inquiries from my credit report. 

Please be advised that this is my second attempt to resolve this matter, and I expect full compliance with applicable federal regulations within five ( 5 ) business days. 

Accounts to Be Removed : XXXX XXXX XXXX XXXX : {$610.00} XXXX XXXX XXXX XXXX : {$4100.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$1400.00} I appreciate your prompt attention to this matter and request a written confirmation of the actions taken to correct my credit file.

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 2025-01-21 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: NC

Complaint narrative:
I am writing to formally dispute the inaccurate information currently reported on my credit file. Under my rights granted by the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), I hereby request an immediate investigation and removal of the following erroneous accounts and inquiries from my credit report. 

Please be advised that this is my second attempt to resolve this matter, and I expect full compliance with applicable federal regulations within five ( 5 ) business days. 

Accounts to Be Removed : XXXX XXXX XXXX XXXX : {$610.00} XXXX XXXX XXXX XXXX : {$4100.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$1400.00} I appreciate your prompt attention to this matter and request a written confirmation of the actions taken to correct my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: NC

Complaint narrative:
I am writing to formally dispute the inaccurate information currently reported on my credit file. Under my rights granted by the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), I hereby request an immediate investigation and removal of the following erroneous accounts and inquiries from my credit report. 

Please be advised that this is my second attempt to resolve this matter, and I expect full compliance with applicable federal regulations within five ( 5 ) business days. 

Accounts to Be Removed : XXXX XXXX XXXX XXXX : {$610.00} XXXX XXXX XXXX XXXX : {$4100.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX appreciate your prompt attention to this matter and request a written confirmation of the actions taken to correct my credit file.

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 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
There were unauthorized deposits that were made to XXXX XXXX XXXX On XX/XX/XXXX, I received an email fromXX/XX/XXXX stating that my existing account has been signed into by a foreign address. On XX/XX/XXXX {$800.00}, {$300.00}, and {$20.00} were made. Another {$1400.00} and {$100.00} deposit from my checking account was made on XX/XX/XXXX. None of these deposits from my checking account were approved by me. I believe my existing XX/XX/XXXX account has been hacked. I made two fraud dispute claims to my bank, Navy Federal Credit Union, and they rejected both of them. I dispute the deposites with XXXX XXXX directly and this was also rejected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
This negative item does not meet the FCA reporting requirements. I do not recognize how and why it is reporting. Delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally request that you update the personal information in your records, as I have encountered an issue while attempting to access my credit report. Specifically, I received an error message stating : " Sorry, we can't show you today 's report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you won't be able to see your report. '' As per my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 ( i ), I am entitled to dispute any inaccurate information in my credit file and request that it be corrected. The information on file with you does not match the correct data, and I kindly ask that you update your records accordingly to ensure my credit report is accurate and complete.

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from any credit report, immediately : 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 2025-01-21 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.
State: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from any credit report, immediately : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-21 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: IL

Complaint narrative:
I was reviewing my credit report and noticed some inquires that do not belong to me. 

US DEPARTMENT OF EDU - XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: TX

Complaint narrative:
XXXX XXXX XXXX in XX/XX/year>, the breach exposed my personal information : Full names Social Security numbers Current and past addresses Dates of birth Phone numbers Email addresses This impact has caused THE MISUSE OF MY information, accounts, change of my address, the fraudulent use of my personal information, that has caused identity theft.

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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

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 address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: AL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX I am filing this cfpb complaint to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, Equifax credit reporting agency block all information on my credit report that is a result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an XXXX XXXX account opened on XX/XX/XXXX under account number XXXX with a balance of {$110.00}, the other account showing on my Equifax credit report is XXXX XXXX XXXX account opened on XX/XX/XXXX, account number XXXX with balance of {$1100.00} These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the identity theft affidavit. I do not recognize the aforementioned accounts, collections appearing on my Consumer Credit Report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts collection and are a result of identity theft and fraud. Please have these accounts removed from my credit reports, for they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: AR

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer services and unfair practice, which violate the consumer Financial 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 the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and u seen appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: CO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-01-21 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: GA

Complaint narrative:
Experian Information Solutions , IncXXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Dispute Regarding Delayed Credit Report Investigation Dear Sir or Madam, I am writing to formally dispute the delayed handling of my credit report investigation in accordance with the Fair Credit Reporting Act ( FCRA ). As a consumer, I am entitled to accurate and timely responses to disputes regarding inaccuracies in my credit file. However, I have encountered significant delays in the resolution of my concerns. 

On [ XXXX XXXX, XXXX  ], I submitted a dispute regarding negative information on my credit report. Despite the FCRAs requirement for Experian to complete its reinvestigation and provide results within 30 days, I have yet to receive a resolution or written notice of the investigations findings as of today, [ current date ]. This constitutes a clear violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates timely processing of consumer disputes. 

The lack of timely communication and resolution has caused me considerable inconvenience and potential harm to my financial standing. To address this issue, I respectfully request : A detailed explanation for the delay in resolving my dispute. 

Immediate completion of the reinvestigation and correction of any inaccurate information in my credit report. 

Confirmation of the reinvestigation results, including what changes, if any, were made to my credit report. 

Enclosed, you will find copies of all relevant documentation, including my initial dispute letter, supporting evidence, and any subsequent correspondence for your reference. Please consider this as a formal request to expedite the resolution of this matter. 

Failure to comply with the requirements outlined in the FCRA may compel me to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) or pursue other legal remedies to ensure my rights as a consumer are protected. 

I trust that Experian will take this matter seriously and address my concerns promptly. I look forward to your response within the next 30 days. 

Thank you for your immediate attention to this important matter.

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