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: NJ

Complaint narrative:
My identity was compromised across multiple financial institutions, including the IRS. I promptly contacted the credit bureaus to dispute and remove the fraudulent negative items that have impacted my credit report. However, despite my efforts, I have yet to see any corrective action from XXXX, TransUnion, or XXXX. 

The issues began in XX/XX/2023, when I attempted to file my extended tax return and was informed that it had already been submitted fraudulently. Shortly thereafter, I discovered unauthorized activity in one of my bank accounts, resulting in missing funds. The ongoing effort to clear my name has caused significant hardship. 

In addition, creditors with whom I have never conducted business have started appearing on my credit report, further damaging my financial standing. I am seeking the Consumer Financial Protection Bureaus ( CFPB ) assistance in ensuring that the credit bureaus remove these erroneous and derogatory entries 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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My identity was compromised across multiple financial institutions, including the IRS. I promptly contacted the credit bureaus to dispute and remove the fraudulent negative items that have impacted my credit report. However, despite my efforts, I have yet to see any corrective action from XXXX, XXXX, or Equifax. 

The issues began in XX/XX/year>, when I attempted to file my extended tax return and was informed that it had already been submitted fraudulently. Shortly thereafter, I discovered unauthorized activity in one of my bank accounts, resulting in missing funds. The ongoing effort to clear my name has caused significant hardship. 

In addition, creditors with whom I have never conducted business have started appearing on my credit report, further damaging my financial standing. I am seeking the Consumer Financial Protection Bureaus ( CFPB ) assistance in ensuring that the credit bureaus remove these erroneous and derogatory entries from my credit report.

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: U.S. BANCORP
State: MD

Complaint narrative:
Someone applied for multiple credit cards, auto loans, and checking accounts in my name without my knowledge. I disputed with the credit bureaus but XXXX did not delete all of them.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Someone applied for multiple credit cards, auto loans, and checking accounts in my name without my knowledge. I disputed with the credit bureaus but Equifax did not delete all of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC
State: CA

Complaint narrative:
UNDER 15 U.S. CODE 1681 qa1oaE ( B ) AND 15 U.S. CODE 1681i ( 5 ) this account is in violation not reporting 100 % accurate. In accordance with the fair credit reporting act, The list of accounts has violated my federally protected consumer rights to privacy and confedentiality under the 15 USC 1681. These accounts have voilated my rights. Pursuant to 15 USC 1681 section 602 a states I have the right to privacy. Pursuant to 15 USC1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish accounts with out my written instructions. I am requesting the original copy of the agreement & terms & condition. Failure to comply will forefit your claims and will require you to delete the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice.I LOOK FORWARD TO YOUR RESOONSE i am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal trade commisions identity theft affidavit. please delete the items as soon as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX westlack financial service XXXX XXXX XXXX XXXX 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Dates from XXXX to present day XX/XX/XXXX there were multiple occasions over the years that I received an overdraft fee from Navy Federal. The exact amount of these overdrafts is unknown since its been years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/1979, 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am filing a complaint against equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission to Equifax consistently responding within 24 hours, the account is accurate without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act of FCRA 15 U.S.C.1681, which mandates a reasonable investigation of disputes. Furthermore, equifax 's actions may also contravene the consumer financial protection act cfpa, 12 u.s.c. 5536 ( a ) ( 1 ) ( a ) ( b ), as highlighted in CFPB 's recent administrative proceeding ( file no. XXXX XXXX ) against them for similar violations. I request the CFPB take action to ensure equifax complies with the federal law and provides consumers with the necessary proof of investigation.

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 — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

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: EQUIFAX, INC.
State: CA

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 XXXX : 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 / XXXX 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 Equifax 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 account 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 accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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 : XXXXXXXX XXXX XXXX XXXXXXXX / XXXX 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 Equifax 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 account 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 accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 : Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 these fraudulent accounts in my report and CREDIT BUREAU 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, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are 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 these accounts. 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 non-monetary relief
Consumer complaint received 2025-01-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint to address repeated violations of the Fair Credit Reporting Act ( FCRA ) by XXXX as a fraud victim who had listed this with XXXX. My concerns include the following issues : 1. Blocking Credit Report Access and updates Behind a Paywall : XXXX has restricted my access to essential credit report features, including the ability to view or manage my credit freeze, without requiring a fee or subscription. Attempts to manage my credit freeze result in an error message stating : " Sorry, we're having trouble showing the status of your credit freeze right now. You can contact us during support hours via the live chat icon at the bottom of the screen, or by giving us a call at XXXX. '' This restriction violates FCRA requirements, which mandate free access to critical credit tools, including freezes and fraud alerts. This is recurring theme. 

2. Failure to Conduct Reasonable Investigations : XXXX has failed to conduct reasonable investigations into disputes I have submitted, despite providing supporting documentation. This lack of diligence violates FCRA 611 ( a ) ( 1 ), which requires a thorough review of disputed information. They block second disputes claiming unrelated first disputes are under investigation. The outcome virtually always leads to " meets FCRA requirements '' despite clear violations of creditors CDIA Metro2 compliance. CDIA Metro 2 is a standardized data reporting format created by the Consumer Data Industry Association ( CDIA ). 

3. Reinsertion of Deleted Inaccuracies : XXXX has reinserted previously removed inaccuracies into my credit report without notifying me as required under FCRA 611 ( a ) ( 5 ) ( B ). These inaccuracies misrepresent my creditworthiness and have caused financial harm. I've noticed this with former mortgage company reports and addresses that have been removed. 

4. Confusing and Conflicting Communication : XXXX has issued unclear and conflicting communications regarding the status of dispute investigations. This lack of transparency obstructs my ability to resolve inaccuracies effectively. 

5. Reliance on Flawed Software or Automation : XXXX appears to rely on flawed software or automated processes to manage dispute investigations. This results in inaccurate, incomplete, or inconsistent findings, further undermining the integrity of my credit report. It appears to favor the creditors.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint to address repeated violations of the Fair Credit Reporting Act ( FCRA ) by XXXX as a fraud victim who had listed this with XXXX. My concerns include the following issues : 1. Blocking Credit Report Access and updates Behind a Paywall : XXXX has restricted my access to essential credit report features, including the ability to view or manage my credit freeze, without requiring a fee or subscription. Attempts to manage my credit freeze result in an error message stating : " Sorry, we're having trouble showing the status of your credit freeze right now. You can contact us during support hours via the live chat icon at the bottom of the screen, or by giving us a call at XXXX. '' This restriction violates FCRA requirements, which mandate free access to critical credit tools, including freezes and fraud alerts. This is recurring theme. 

2. Failure to Conduct Reasonable Investigations : XXXX has failed to conduct reasonable investigations into disputes I have submitted, despite providing supporting documentation. This lack of diligence violates FCRA 611 ( a ) ( 1 ), which requires a thorough review of disputed information. They block second disputes claiming unrelated first disputes are under investigation. The outcome virtually always leads to " meets FCRA requirements '' despite clear violations of creditors CDIA Metro2 compliance. CDIA Metro 2 is a standardized data reporting format created by the Consumer Data Industry Association ( CDIA ). 

3. Reinsertion of Deleted Inaccuracies : XXXX has reinserted previously removed inaccuracies into my credit report without notifying me as required under FCRA 611 ( a ) ( 5 ) ( B ). These inaccuracies misrepresent my creditworthiness and have caused financial harm. I've noticed this with former mortgage company reports and addresses that have been removed.

4. Confusing and Conflicting Communication : XXXX has issued unclear and conflicting communications regarding the status of dispute investigations. This lack of transparency obstructs my ability to resolve inaccuracies effectively. 

5. Reliance on Flawed Software or Automation : XXXX appears to rely on flawed software or automated processes to manage dispute investigations. This results in inaccurate, incomplete, or inconsistent findings, further undermining the integrity of my credit report. It appears to favor the creditors.

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: 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:
IMPROPER, INACCURATE, FALSELY REPORTING DEROGATORY ITEMS 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 I DEMAND THAT THESE DEROGATORY ITEMS ABOVE MENTIONED BE INVESTIGATED AND PERMANENTLY REMOVED FROM MY REPORT. I AM A VICTIM FROM XXXX, EXPERIAN, XXXX CREDIT BUREAU

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: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
I got email from Cash App saying that my account has been closed due to activity. I violated a contract and other stuff so I didnt understand why

Company response to consumer: Closed with explanation