vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: GA

Complaint narrative:
I am filing a complaint against [ EXPERIAN ] for failing to correct inaccurate information regarding late payments reported on my credit report for account [ Account number ]. 
Despite multiple requests for correction ( letters dated [ XX/XX/XXXX ] and [ XX/XX/XXXX ] ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
XXXX. FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 

XXXX. TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 

XXXX. Protection Against Non-Payment of Obligations Act ( XXXX ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers.

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 2025-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: MS

Complaint narrative:
This company is breaking the law by failing to provide validation details as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they added a collection to my credit report. This agency is also infringing on my consumer rights by using misleading, false and deceptive tactics. Ive already tried to resolve these issues directly with them, but they continue to violate my rights. For each violation listed, I am entitiled to {$1000.00}. They just either compensate me or remove this this fraudulent account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: MA

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC for violations of the Fair Credit Reporting Act ( FCRA ) and noncompliance with the CFPB Consent Order ( File No. XXXX ). My complaint relates to XXXX failure to properly investigate and resolve inaccurate late payments on my XXXX XXXX XXXX account ( # XXXX ). 

XXXX XXXX Equifax is inaccurately reporting late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, negatively affecting my credit score. Despite my dispute request, Equifax has failed to : Conduct a proper reinvestigation under FCRA 1681i, which requires reasonable dispute resolution procedures.

Verify or provide documentation supporting the validity of the late payments. 
Provide details of the verification method used to confirm the accuracy of the reported late payments. 
Ensure compliance with the CFPB Consent Order ( 2025-CFPB-0002 ), which mandates better dispute-handling procedures.

FCRA and CFPB Violations Equifaxs failure to handle my dispute correctly aligns with the violations outlined in CFPB Consent Order ( 2025-CFPB-0002 ), which highlighted : Failure to conduct reasonable reinvestigations of disputed information. 
Failure to review and consider all relevant consumer-provided information. 
Failure to properly notify consumers of reinvestigation results. 
Failure to prevent the reinsertion of inaccurate information after it was previously removed. 
These actions violate FCRA 1681i ( Reinvestigation of Disputed Information ) and 1681e ( b ) ( Maximum Possible Accuracy ).

Conclusion Equifaxs failure to comply with FCRA dispute resolution requirements and the CFPB Consent Order is causing direct harm to my credit profile. I request the CFPB take immediate action to enforce compliance and ensure that Equifax properly investigates and corrects my credit report. 

I am available for any further information or documentation. Please contact me at XXXX or XXXX. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-01-31 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: MA

Complaint narrative:
I am formally disputing the accounts and inquiries listed on my consumer credit report referenced below, as they are the result of a data breach or fraud. I demand verifiable proof, including a copy of my signature or electronic signature, for any unauthorized inquiries. 

This letter is being sent directly by me, not through a third party, and I request that you review it carefully. I never authorized these actions, and their reporting constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically : FCRA Section 605B Block of information resulting from a Data Breach or Fraud ( 15 U.S.C. 1681c-2 ) FCRA Section 604 Permissible purposes of consumer reports ( 15 U.S.C. 1681b ) I have contacted the companies involved and confirmed that these actions were initiated without proper validation or original proof. Since I never authorized these accounts or inquiries, they are inaccurate and must be classified as the result of a data breach or unauthorized reporting by creditors and/or third-party data furnishers. 

Under the FCRA, Equifax is required to investigate these disputed items and take appropriate action, including deletion or blocking, within XXXX business days of receiving this letter, as outlined in FCRA 605B ( a ). I have enclosed copies of the relevant FCRA sections for reference. 

Please acknowledge receipt of this dispute and provide a written response detailing the corrective actions taken. Failure to address these disputed items in compliance with the FCRA will leave me no choice but to pursue further action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filling a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the customer 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 fraud 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 2025-01-31 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:
Informed transition of issues they did nothing to fix issues also reported it was fraud and company had claim loss on the debt and they informed me that the company never 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 non-monetary relief
Consumer complaint received 2025-01-31 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: CA

Complaint narrative:
I am ready 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 aligned with the recent CFPB findings against Navy Federal for similar practices, where transaction settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: CA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, 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 the CFPB 's recent administrative proceedings.

( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Here are accounts that are inaccurate 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
I am reaching out with great concern and distress after recently discovering that I am a victim of identity theft. As a young man who is just beginning to build my life and provide for my family, I was shocked to find that someone had used my personal information to obtain a car loan in my namesomething I never authorized or knew about. This has left me in an extremely difficult position, as I am now faced with the responsibility of dealing with a debt I did not create. 

Ive always worked hard to be a responsible citizen and am currently working toward purchasing my first home for my family. However, this unforeseen circumstance has completely thrown me off course. I feel overwhelmed by the fact that I am being held responsible for something I didnt do, and I am struggling to understand how this could happen to me at a time when Im trying so hard to build a stable future. 

I am aware that there are laws both in Texas and federally that protect victims of identity theft, and I need your help in ensuring I am not held accountable for these fraudulent debts. According to Texas law ( specifically XXXX XXXXXXXX and XXXX XXXX, XXXX XXXX ), victims of identity theft are entitled to have fraudulent accounts removed from their credit report and should not be held liable for the debt associated with those accounts. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, individuals are protected from the negative consequences of identity theft, such as being held responsible for debts incurred by fraudsters. 
I am asking for your help in ensuring that this debt is cleared from my credit report and that I am not unjustly required to pay for something I didnt authorize. These laws are in place to prevent exactly this type of situation, and I believe I should be fully protected under them. 
I have attached my Identity theft Report, please provide me with guidance on how I should proceed to resolve this issue and ensure that my credit and financial well-being are restored. Ive worked hard to get to this point in my life, and it is incredibly unfair to have to deal with the consequences of someone elses actions. Im simply trying to move forward and be the provider my family needs, but this situation has become a heavy burden that I can not carry alone. 
Thank you for your time and consideration. I look forward to your assistance in resolving this matter as quickly as possible.

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 2025-01-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am reaching out with great concern and distress after recently discovering that I am a victim of identity theft. As a young man who is just beginning to build my life and provide for my family, I was shocked to find that someone had used my personal information to obtain a car loan in my namesomething I never authorized or knew about. This has left me in an extremely difficult position, as I am now faced with the responsibility of dealing with a debt I did not create. 

Ive always worked hard to be a responsible citizen and am currently working toward purchasing my first home for my family. However, this unforeseen circumstance has completely thrown me off course. I feel overwhelmed by the fact that I am being held responsible for something I didnt do, and I am struggling to understand how this could happen to me at a time when Im trying so hard to build a stable future.

I am aware that there are laws both in Texas and federally that protect victims of identity theft, and I need your help in ensuring I am not held accountable for these fraudulent debts. According to XXXX law ( specifically XXXX  XXXX and XXXX XXXX, XXXX XXXX ), victims of identity theft are entitled to have fraudulent accounts removed from their credit report and should not be held liable for the debt associated with those accounts. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, individuals are protected from the negative consequences of identity theft, such as being held responsible for debts incurred by fraudsters. 
I am asking for your help in ensuring that this debt is cleared from my credit report and that I am not unjustly required to pay for something I didnt authorize. These laws are in place to prevent exactly this type of situation, and I believe I should be fully protected under them. 
I have attached my Identity theft Report, please provide me with guidance on how I should proceed to resolve this issue and ensure that my credit and financial well-being are restored. Ive worked hard to get to this point in my life, and it is incredibly unfair to have to deal with the consequences of someone elses actions. Im simply trying to move forward and be the provider my family needs, but this situation has become a heavy burden that I can not carry alone. 
Thank you for your time and consideration. I look forward to your assistance in resolving this matter as quickly as possible.

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 2025-01-31 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: TX

Complaint narrative:
I am reaching out with great concern and distress after recently discovering that I am a victim of identity theft. As a young man who is just beginning to build my life and provide for my family, I was shocked to find that someone had used my personal information to obtain a car loan in my namesomething I never authorized or knew about. This has left me in an extremely difficult position, as I am now faced with the responsibility of dealing with a debt I did not create. 

Ive always worked hard to be a responsible citizen and am currently working toward purchasing my first home for my family. However, this unforeseen circumstance has completely thrown me off course. I feel overwhelmed by the fact that I am being held responsible for something I didnt do, and I am struggling to understand how this could happen to me at a time when Im trying so hard to build a stable future.

I am aware that there are laws both in Texas and federally that protect victims of identity theft, and I need your help in ensuring I am not held accountable for these fraudulent debts. According to XXXX law ( specifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), victims of identity theft are entitled to have fraudulent accounts removed from their credit report and should not be held liable for the debt associated with those accounts. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, individuals are protected from the negative consequences of identity theft, such as being held responsible for debts incurred by fraudsters. 
I am asking for your help in ensuring that this debt is cleared from my credit report and that I am not unjustly required to pay for something I didnt authorize. These laws are in place to prevent exactly this type of situation, and I believe I should be fully protected under them. 
I have attached my Identity theft Report, please provide me with guidance on how I should proceed to resolve this issue and ensure that my credit and financial well-being are restored. Ive worked hard to get to this point in my life, and it is incredibly unfair to have to deal with the consequences of someone elses actions. Im simply trying to move forward and be the provider my family needs, but this situation has become a heavy burden that I can not carry alone. 
Thank you for your time and consideration. I look forward to your assistance in resolving this matter as quickly as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation