vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reaching out to formally lodge a complaint regarding unauthorized hard inquiries listed on my credit report, which violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. The following hard inquiries are present on my credit report without my explicit consent or authorization : 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 According to 15 U.S.C. 1602 ( p ), any access to a consumer 's credit report must have a permissible purpose that is clearly established and authorized by the consumer. These inquiries were made without my explicit permission, constituting unauthorized access to my credit information. Pursuant to 15 U.S.C. 1681c-2, I am requesting the immediate removal of these inquiries from my credit report. This provision allows consumers to have unauthorized or fraudulent inquiries removed to uphold the accuracy and integrity of their credit information.

The unauthorized hard inquiries are adversely affecting my credit score and causing unwarranted harm to my financial standing. Despite my attempts to address this issue with the relevant entities, a satisfactory resolution has not been reached. Therefore, I am requesting the Consumer Financial Protection Bureau ( CFPB ) to take the following actions : 1. Investigate the inclusion of these unauthorized inquiries on my credit report to ascertain their proper authorization.

2. Ensure the swift removal of the unauthorized hard inquiries from my credit report.

3. Hold the responsible parties accountable for breaching my rights under the FCRA. 
I thank you for your prompt attention to this matter and kindly request that you provide updates on the progress of your investigation.

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 2024-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Block, Inc.
State: TX

Complaint narrative:
My employer legacy car wash submitted a direct deposit into my cash app account through XXXX XXXX XXXXXXXX for {$470.00} on XX/XX/year> I was supposed to receive my paycheck Friday XX/XX/year> it is XXXX XX/XX/year> and I still have not seen my paycheck in my account. I have reached out numerous times to cash app support and I have not had much luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I saw an unknown address on my Experian credit report and so I started a dispute to have that address taken off and then this morning I got the results of the dispute and it said a different address has been removed from my credit report. The original address I wanted removed was on XXXX XXXXXXXX XXXX XXXX XXXX XXXX but the email I got today said an address from XXXXXXXX XXXX XXXX had been successfully removed from my credit report so Im confused and wondering where that XXXX XXXX address even came from because I didnt see it on my original report and what happened to that address at XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: FL

Complaint narrative:
I am writing to formally dispute a debt claim of {$3400.00} made by IQ Data International, a debt collection agency. I believe this debt is unjust and inaccurate, and I am seeking your assistance in resolving this matter. 
Details of the Complaint : Debt Collector Information : Debt Collector : IQ Data International Claimed Debt Amount : {$3400.00} Background and Discrepancy : The alleged debt is related to a rental property. However, I have never been late on rent nor left any damages to the property in question. 
In fact, I have documentation from the property manager, including a move-out statement, which confirms that I left the property in good condition and fulfilled all rental obligations. This statement clearly states that no damages were caused, and my account was in good standing upon my departure. 
Action Taken : Upon receiving notice from IQ Data International regarding this debt, I immediately requested validation and supporting documentation to confirm the legitimacy of the debt. Despite this request, I have not received any proof or clear explanation showing why I am being held responsible for this alleged debt. 
I have also attempted to resolve the issue directly with IQ Data International though, but have received no satisfactory response or evidence to justify their claim.

Negative Impact : As a result of this unjust debt claim, my credit may have been negatively impacted, and it is causing unnecessary stress and confusion.

This inaccurate debt claim is affecting my ability to apply for credit and make important financial decisions. 
Supporting Documentation : Move-Out Statement from the property manager, confirming that I left the property in good condition and did not cause any damages.

Video of the dwelling during move-out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I called Navy Federal on XX/XX/2024 XXXX XXXXXXXX to make payment arrangement on my two credit card with them one due XX/XX/2024 ( card ending ** XXXX ) and XX/XX/2024 ( card ending XXXX ). Minimum payment due on both credit cards is {$250.00} each. I called and spoke with a representative advising her to take out my minimum payment on XX/XX/2024 for both cards. On XX/XX/2024, I checked my account balance and notice that Navy Federal took {$530.00} and {$550.00}, instead of the {$250.00} I authorized to take out. I called Navy XXXX on XX/XX/20XXXX XXXX XXXX XXXX spoke with supervisor XXXX in the resolution department, explained the issue and requested the call be pulled and my money to be refunded. XXXX advised that her department can not refund and that I will need to call back. XXXX provided her manager name of XXXX. Navy federal has stolen my money, i did not authorize Navy Federal to deduct {$1000.00} from my account. I was not behind or deliquent on my accounts with them and did not authorize them to do so.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-01 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: GA

Complaint narrative:
I am writing to dispute an error on my TransUnion credit report regarding my XXXX XXXX  account. TransUnion is reporting late payments on this account, but my XXXX credit report accurately reflects that the account was paid on time and closed with no late payments. This discrepancy violates the principle of uniformity of credit reports as outlined in 15 U.S.C. 1681a, which mandates that consumer reporting agencies ensure accurate and consistent reporting of consumer information.

Additionally, this inaccurate reporting constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum accuracy of the information in credit reports.

15 U.S.C. 1681i ( a ), which outlines the duty of a consumer reporting agency to reinvestigate disputes and correct any inaccuracies promptly. 
I request that TransUnion reinvestigate this matter per 15 USC 1681i within 15 days of this dispute, and correct the reporting to reflect accurate payment history.

To assist in your investigation, I have attached screenshots of my TransUnion and XXXX reports, clearly highlighting the discrepancy. I also request that you provide a copy of your findings and the actions taken to resolve this issue within the timeframe stipulated under 16 C.F.R. 660.4 and other relevant guidelines.

Thank you for your prompt attention to this matter. I look forward to your resolution and a corrected 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 2024-12-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
What is reported on my credit does not match the invoice I was give by collection agency. I gave credit bureaus that & proof my identity was stolen twice & they keep siding with collection agency. The apartment on my credit is in Georgia, I contacted them & provided that proof to the credit bureaus. I have told this collection agency many times that their info is false & to get it off my credit. They sent me an invoice for a complex on XXXXXXXX XXXX ( that does not exist ) yet post a complex in Georgia ( XXXX XXXX XXXX XXXX XXXXXXXX ) on my credit. My lawyer has been disputing this with them since XXXX  yet after everything its still on my credit report. Ive given credit bureaus letters for complex in Georgia stating I never lived there, police, XXXX XXXX XXXX reports but they side with collection agency. I & my lawyer have given all this to collection agency & still its on my credit for 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 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint regarding unauthorized and fraudulent accounts that remain on my records despite my timely submission of the necessary documentation, including a detailed letter noting the fraudulent activity. 

Details of the Issue : I provided documentation, including police report, identity theft affidavit regarding accounts fraudulently opened in my name. 
Per the institution 's own policies and federal guidelines, these accounts were to be blocked and removed within XXXX business days. 
To date, these accounts remain active, causing significant harm to my credit profile and financial well-being. 
Despite my thorough efforts, I have not received resolution. I believe this is an unnecessary and intentional delay. This failure to act violates my consumer rights under federal law.

Requested Action : I demand the following : Immediate removal of all fraudulent accounts from my records.

Written confirmation of the resolution within seven business days.

Assurance that no further delays or stall tactics will occur. 
I have attached all supporting documentation, including the letters and reports I previously sent to the institution. This situation is unacceptable, and I expect swift corrective action to prevent further harm. 

Thank you for your attention to this 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 non-monetary relief
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint regarding unauthorized and fraudulent accounts that remain on my records despite my timely submission of the necessary documentation, including a detailed letter noting the fraudulent activity. 

Details of the Issue : I provided documentation, including police report, identity theft affidavit regarding accounts fraudulently opened in my name. 
Per the institution 's own policies and federal guidelines, these accounts were to be blocked and removed within XXXX business days. 
To date, these accounts remain active, causing significant harm to my credit profile and financial well-being. 
Despite my thorough efforts, I have not received resolution. I believe this is an unnecessary and intentional delay. This failure to act violates my consumer rights under federal law. 

Requested Action : I demand the following : Immediate removal of all fraudulent accounts from my records.

Written confirmation of the resolution within seven business days.

Assurance that no further delays or stall tactics will occur.

I have attached all supporting documentation, including the letters and reports I previously sent to the institution. This situation is unacceptable, and I expect swift corrective action to prevent further harm. 

Thank you for your attention to this 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
Consumer complaint received 2024-12-01 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: IL

Complaint narrative:
Subject : Complaint Against Experian for Fraudulent and XXXX XXXX XXXX XXXX Dear CFPB, I am writing to formally file a complaint against Experian for what I believe to be fraudulent, discriminatory, and unethical credit reporting practices that harm consumers, particularly minority groups. 
Recently, I observed that my XXXX XXXX dropped by over XXXX points, despite no changes to my credit report, no new accounts being added, and no inquiries being made. Upon reviewing my report, I found no explanation for this significant decrease. This sudden drop appears arbitrary and unsubstantiated. When I contacted Experian for clarification, their representatives were unable to provide a valid explanation for the change. 
This raises serious concerns about XXXX compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that consumer credit reports must be accurate and that consumers are entitled to a clear explanation of changes in their credit scores. By failing to provide transparency and accuracy, Experian is engaging in practices that I believe are fraudulent and harmful to consumers. 
Moreover, I have reason to believe that XXXX practices disproportionately XXXX XXXXXXXX XXXX, particularly XXXX and XXXX individuals, who are often unfairly targeted or penalized in credit reporting. This type of discriminatory treatment violates not only consumer protection laws but also anti-discrimination laws. 

XXXX negligence and potential bias in reporting are unacceptable. These practices are damaging to consumers financial well-being and trust in the credit reporting system. I request the CFPB to : XXXX. Investigate Experian for fraudulent and discriminatory credit reporting practices. 

XXXX. Mandate that Experian provide a detailed explanation of XXXX XXXX changes to consumers. 

XXXX. Ensure accountability by requiring compensation for affected consumers, including myself, for the harm caused by inaccurate reporting. 

XXXX. Enforce stronger oversight and penalties on Experian for repeated violations of consumer protection laws. 



XXXX actions not only harm individual consumers but also erode the integrity of the financial system. I urge the CFPB to take swift and decisive action to address these issues. 



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

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 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I wrote a letter to XXXX on XX/XX/year> requesting documentation and a copy of any contract signed by me that would support this collection. They have not responded and are in violation of the FCRA sections 609, 610 and 611 as noted below and on attachments. 609 ( a ) ( 2 ) they have not provided sources of information on the collection. 610 ( c ) They do not have trained personnel to explain the information they provided. The phone number does not have a selection to speak to a human and no option for call back. 611 ( a ) ( A ) They have not deleted the item which has no proof of validity. They respond the it was verified but have not provided any documentation or details. 611 ( a ) ( B ) They have not provided the reasons for the determination. 611 ( 2 ) Have not considered my information provided. They come back with a boilerplate response that the item was validated. 611 ( 3 ) ( A ) They are unable to validate the item, but have not removed it from my credit report. 611 ( 3 ) ( B ) ( iii ) They have not provided a description of the procedure used to determine the accuracy of the item as I requested repeatedly. 611 ( 4 ) They have not provide a description of the reinvestigation procedure.

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 2024-12-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
tried to make my monthly payment, bank app stated " no payment due ''. so, i did not pay. next XXXX XXXX charged me late fee {$35.00}. then i paid. a month later, exactly the same happened. but i took screen shots this time, stating again '' no payment due ''. and again-days later the bank charged me {$35.00} late fee. 
I am reporting sheffieldfinancial bank to steel money from me. I also report same bank of fraudulent activities. 
i request my money back-that they stole from me " XXXX {$35.00} ''. and removing any filed late payments in credit history.

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 monetary relief
Consumer complaint received 2024-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing in reference to the account with XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, TX XXXX, which you claim I owe. Pursuant to XXXX XXXX. XXXX ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you cease all communication with me regarding this debt. 

This request includes, but is not limited to, communication by phone, email, or mail at my home, workplace, or any other location. Please note that this request is made in accordance with my rights under federal law. 

Additionally, I request that you not contact any third parties in relation to this matter unless permitted by law. 

Be advised that failure to comply with this request XXXX result in legal action against your company for violations of the FDCPA. I expect written confirmation that you have received and will honor this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The company refused to update my addresses, refused to remove old and addresses I never receive mails from, the company refused to remove inaccurate accounts from my credit report, the company is not doing investigation into my requests, instead the company is allowing the creditors to perform their own investigation to my request to investigate and re-investigate, and the creditors always responded back with a verified answered and then the credit credit agency always used what they received from the creditors to send to me as a consumer who requested the credit agency to do it's job to perform an investigation like the law asked and required, the credit agency sent me a verified letter and when i called the creditors and requested them for the applications, they all replied the accounts were opened only they don't have anything to provide me that the accounts are belongs to me, but the credit agency claimed that it was verified and provided no methods how it was verified.

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 2024-12-01 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: FL

Complaint narrative:
The company refused to update my addresses, refused to remove old and addresses I never receive mails from, the company refused to remove inaccurate accounts from my credit report, the company is not doing investigation into my requests, instead the company is allowing the creditors to perform their own investigation to my request to investigate and re-investigate, and the creditors always responded back with a verified answered and then the credit credit agency always used what they received from the creditors to send to me as a consumer who requested the credit agency to do it's job to perform an investigation like the law asked and required, the credit agency sent me a verified letter and when i called the creditors and requested them for the applications, they all replied the accounts were opened only they don't have anything to provide me that the accounts are belongs to me, but the credit agency claimed that it was verified and provided no methods how it was verified.

Company response to consumer: Closed with explanation