vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: FL

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$5000.00} XXXX XXXX XXXXXXXX Balance {$3800.00} XXXX  XXXX Balance {$7900.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$1600.00}

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 2025-01-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that the verification and documentation that there is a valid basis for claiming that I must pay the debt. 

Upon receiving documentation from XXXX, I would like to dispute the validity of this debt. They're are discrepancies within the lease. I am seeing that I am being listed on this lease I have no knowledge of and that is not my signature on the end of the lease, and there are additional names listed on the lease. 

I have submitted disputes for this account and provided documentation to prove the information is inaccurate and unverifiable. However, credit and collection agencies have failed to verify this information properly or responded with generic statements without explaining their investigation process and correcting the errors.

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 2025-01-27 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: CA

Complaint narrative:
Hard Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX : Dispute of Inaccurate Information in My Credit Report To Whom It May Concern, I am writing to dispute inaccurate and incomplete information in my credit report, which I obtained from your agency. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and correct any inaccuracies in my report. 

The items I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX account XXXX I am writing to dispute inaccurate information on my credit report as provided under the Fair Credit Reporting Act ( FCRA ). I recently obtained a copy of my credit report from your agency, and I have identified [ specific account name or number ] as being inaccurately reported as a charge-off. 
Supporting Documentation : I have attached a copy of my credit reports from Experian, XXXX and XXXX. 

The CFPB lawsuit against your company highlighted several systemic issues that align with my experience, including : Failure to forward consumer-submitted documentation to furnishers. 
Use of inaccurate or generic dispute codes, leading to miscommunication with furnishers.

Reliance on inaccurate responses from furnishers without further investigation. 
These practices raise serious concerns about the integrity of the dispute resolution process. I demand that you : 1. Conduct a reasonable reinvestigation of the disputed item, as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

2. Forward all relevant information and my supporting documentation to the furnisher of the information, as required under 15 U.S.C. 1681i ( a ) ( 2 ) ( A ). 
XXXX. Provide me with clear, written notice of the reinvestigation results, including specific details of any changes made to my report, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( A ).

Additionally, I request that you provide me with a corrected credit report once the errors have been resolved.

If you fail to address this dispute properly, I will escalate the matter to the CFPB and may explore further legal action.

Thank you for your prompt attention to this matter. I expect a response within the 30-day timeframe required by law. 

Sincerely, XXXX XXXX [ Ph # ( XXXX ) 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 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I ordered a cash app card transaction was completed and I have my card and its now active in XX/XX/XXXX I deposited XXXXXXXX XXXX into savings transaction was completed and deposited in to savings then there is nothing it disappered they they try to take me to documents and tell me it did not XXXX thru but the documents say nothing no transaction number no disruption of failed nothing but it was completed in the beginning

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 
This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1. Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report. 
XXXX. Update my credit profile to reflect the correct information as listed above. 
XXXX. Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX  XXXX XXXXXXXX, CA, 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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Incorrect Home address listed XXXX account tried to file dispute online to have remove

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Incorrect Home address listed ob account tried to file dispute online to have remove

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that bi believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX  for it's failure to properly investigate consumers disputes, citing " sham investigations '' and other unlawful practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting perviously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results effectively.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 

Please review the inaccurate information being reported.

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 2025-01-27 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: GA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX original creditor : XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and TransUnion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank 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 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
i am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: GA

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 XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
In the early stages of Zelle Ive sent on accident money to the wrong person without a verification check. I reached out to my bank with this issue with no solution due to the fact that theres no way to reverse the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
My personal information, including my email address ( XXXX ), was compromised in a breach involving XXXX. This has created significant concerns about identity theft and the misuse of my information, particularly in relation to credit reporting. I believe this breach, combined with prior breaches at Experian and other credit bureaus, has put my financial data at risk. 

Due to these breaches and potential unauthorized use of my information, I am requesting the following : XXXX. Removal of all accounts, negative marks, and personal data from my credit report as a precautionary measure. 
XXXX. A full investigation into whether my information has been misused by Experian or other entities. 
XXXX. Assurance that my data is secured and will not be accessed without my explicit consent. 

As a military spouse, I am entitled to heightened protections under the Servicemembers Civil Relief Act ( SCRA ). I urge Experian to take swift action to resolve these concerns and fully remove all accounts and associated information 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 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital one just closed both my XXXX XXXX and XXXX for no reason, I dont care about them closing the account because for the last two years Ive made all payments on time have 99 % payment history and 100 % on time and never ever have they approved my credit limit increase Ive even paid both cards off and still get denied increases But issue is they have submitted a statement that is false. They have shared that I have committed Fraud and I have not. Ive asked them to remove the Statement of Fraud and if, you all dont settle the matter I, will sue them for slander. 
I requested information regarding what fraud was committed never got that, Ive attached payment history, last payment made to this complaint Im current no payment due But they closed account saying I committed fraud, it should be against all laws to slander a consumer like that I want proof statement ( fraud ) is removed, letter stating no fraud sent to me and anyone they shared this with My payment isnt even due till XXXX, because I pay in advance to avoid high interest they charge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
I am submitting this complaint against Equifax for their failure to properly investigate disputes and correct inaccurate information on my credit report, despite multiple attempts on my part to resolve the issues. They have violated several provisions of the Fair Credit Reporting Act ( FCRA ), and I am seeking assistance from the CFPB to resolve these ongoing issues. '' Equifax has failed to comply with the following provisions of the Fair Credit Reporting Act : 15 USC 1681 EB : Equifax has not conducted a reasonable investigation of the disputes I filed, which is required when a consumer challenges inaccurate information on their credit report.

15 USC 1681s-2 : Equifax has not ensured that information reported to them is accurate and has not corrected any inaccuracies that I have pointed out, despite my repeated disputes.

15 USC 1681 i5 : Despite my efforts to dispute inaccuracies, Equifax has not corrected or removed the disputed items from my credit report as mandated by law.

15 USC 1681 CC : Equifax has not provided me with proper notification when they corrected or removed disputed information, as is required under the FCRA. '' On XX/XX/year>, I sent Equifax a dispute regarding incorrect information on my credit report. Specifically, I disputed XXXXXXXX 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 Despite providing documentation supporting my dispute, Equifax has failed to investigate the matter or correct the inaccuracies on my report. 

I recently learned that the CFPB filed a lawsuit against Equifax for failing to properly investigate disputes and remove inaccuracies from credit reports. This lawsuit underscores the companys ongoing pattern of failing to comply with the requirements of the Fair Credit Reporting Act, which has had a direct impact on my ability to access credit and other essential services. 

As a result of the inaccuracies on my credit report, I have been denied credit applications and faced difficulty securing housing and employment opportunities. This is causing significant harm to my financial stability and future prospects. 

I am requesting that the CFPB investigate Equifaxs failure to conduct a proper investigation into my credit report disputes and enforce the correction or removal of the inaccurate information in accordance with the Fair Credit Reporting Act. I also ask that Equifax provide me with written confirmation of the changes as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$5000.00} XXXX XXXX XXXX Balance {$3800.00XXXX XXXX XXXXXXXX Balance {$7900.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NC

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation