vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 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: MD

Complaint narrative:
Consumer Financial Protection Bureau Subject : Immediate Deletion of Inaccurate Accounts from My Credit Report Dear Experian, TransUnion, and Equifax I am writing to formally demand the immediate deletion of the following inaccurate accounts from my credit report. Although these accounts were XXXX  in bankruptcy, you have continued to report incorrect information, falsely stating that I still owe a full balance on each account. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), and you have been reporting these inaccuracies for over a year.

This is my fourth time contacting you in the last 12 months regarding this matter, yet you have failed to take corrective action. 
The following accounts must be deleted from my credit report immediately : XXXX  XXXX ( Account No : XXXX ) XXXX  XXXX ( Account No : XXXX ) XXXX  XXXX ( Account No : XXXX ) XXXX  XXXX ( Account No : XXXX ) XXXX XXXX ( Account No : XXXX ) XXXX  XXXX ( Account No : XXXX ) XXXX  XXXX ( Account No : XXXX ) XXXX  XXXX ( Account No : XXXX ) XXXX  XXXX ( Account No : XXXX ) XXXX  XXXX ( Account No : XXXX ) XXXX ( Account No : XXXX ) XXXX XXXX XXXX Account No : XXXX ) XXXX XXXX ( Account No : XXXX ) XXXX XXXX XXXX ( Account No XXXX XXXX XXXX XXXX XXXX Account No : XXXX ) XXXX ( Account No : XXXX ) Under the FCRA, you are required to maintain accurate credit reporting. Since you have failed to correct these inaccuracies despite ample time to do so, you are now liable for damages. As per FCRA Section 616 and 617, I am entitled to statutory damages of up to {$1000.00} per violation, in addition to punitive damages and attorneys fees. 
If these inaccurate accounts are not deleted immediately, I will have my attorney file a lawsuit against you at your expense. I demand that you provide written confirmation that the above accounts have been removed from my credit report. Failure to comply will result in legal action without further notice. 
This letter serves as formal notice, and I expect a prompt response. Please send written confirmation of the deletions to my address within 15 days of receipt of this letter. 
Sincerely, XXXX XXXX Bankruptcy XXXX  Papers Credit Report Identification

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
My identity was stolen from me over a phone coversation that I was led to believe I was talking to someone at XXXX XXXX and it turned out to be a scam. The person asked me information about myself that I believed was for the purpose of obtaining info. to open a XXXX acct. for myself. 
When I finally realized that there was something not right about the whole conversation I hung up the phone. 
On XX/XX/year> I received a letter from my credit card company stating that I owed {$3800.00} for services I never purchased. The service was for a XXXX gift card in the above amount. 
I sent a letter replying back to the company that sent me the letter explaining the problem and asked them to supply me with the What, where and when I purchased this service. I have not had a reply from them at this point. 
I also told them in the letter that my attorney suggested I relay to them that if I don't get a response that I will file a complaint with the CFPB of the US government. 
I am writting to you because I never purchased that amount of anything with my credit card and want it erased from my credit card account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: LA

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-02-02 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: MS

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a customer.

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 2025-02-03 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: WI

Complaint narrative:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$3000.00} XXXX  XXXX XXXX Balance Owed : {$4000.00}

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 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I am filing a complaint against cash app block Inc. due to in the independent indicate customer service and unfair practices, which violates the customers financial protection act ( CFPA ) specifically cash app failed to take timely and effective measure to prevent an 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 air resolution requirements under the electronic fund transfer act And regulations these actions have significant inconvenience in financial and seek appropriate address for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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 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 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 of 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 non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have reviewed my credit report, and I do not recall giving consent for this inquiry. According to the Fair Credit Reporting Act ( FCRA ), any credit inquiry made without my authorization is a violation of my rights, and I request that it be removed immediately. 
Please investigate this matter and provide confirmation of the removal of the inquiry from my credit report. If you need any further documentation or information to contact me. 

Please see attachments for additional details

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I received a notification from XXXX of a debt collection from Procollect claiming I had a XXXX dollars from XX/XX/year>. It says it is from XXXX XXXX in XXXX Texas somewhere I have never lived. I have attempted to dispute this collection 3 times with XXXX and XXXX and the result always comes back saying the collection was verified as mine but never have proof of paper work signed by me or anything to confirm. I have called Procollect which is no help as they just want the money and will argue with me about making a payment instead of just sending over the contract to say it belongs to me. This has been detrimental to my credit and has hindered me from moving to an apartment!

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 2025-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
We used our Chase XXXX on XXXX as a credit card transaction to send funds. We were charged the merchant fee, which we expected. What they did not tell us is that Chase considers this credit card transaction a CASH WITHDRAWAL rather than a credit transaction. They charged us the merchant fee, a cash withdrawal fee, and interest on the funds until we paid our card off IN FULL, not just the balance every month. It's deceptive and there is no warning. They would not fix the issue when we called.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-02 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, GA XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Department XXXX XXXX XXXX XXXX, OH XXXX Subject : Unauthorized Hard Inquiry Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute an unauthorized hard credit inquiry made by XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  on my credit report. I did not apply for credit with your institution, nor did I authorize this inquiry. My personal information was fraudulently used without my consent, resulting in this unauthorized credit inquiry appearing on my credit report.

Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, a company may only obtain a consumer report under specific permissible purposes, such as an application for credit. Since I did not apply for credit with XXXX XXXX XXXX, you do not have permissible purpose to have accessed my credit report. As such, I am requesting that this unauthorized inquiry be removed immediately. 
I have already disputed this inquiry with the credit reporting agencies, and I am requesting that your institution take the necessary steps to remove it from my credit file. If you fail to do so, I will be left with no choice but to escalate this matter, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. 
Enclosed with this letter, I am providing copies of my identification and any supporting documentation to verify my identity and support my dispute. Please confirm in writing once the inquiry has been removed. 
I expect your prompt attention to this matter. You may contact me at XXXX if further information is needed. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax 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 a Accounts : XXXX XXXX XXXX  XXXX Account # XXXX date opened XX/XX/XXXX bal. {$5200.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$2000.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1900.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1500.00}, XXXX  XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$1400.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1100.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$400.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$280.00}, XXXX XXXX XXXX  Account # XXXX dfate opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX & Account # XXXX date opened XX/XX/XXXX bal. {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 of 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 2025-02-03 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax 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 a Accounts : XXXX XXXX XXXX  XXXX Account # XXXX date opened XX/XX/XXXX bal. {$5200.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$2000.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1900.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1500.00}, XXXX  XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$1400.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1100.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$400.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$280.00}, XXXX XXXX XXXX  Account # XXXX dfate opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX & Account # XXXX date opened XX/XX/XXXX bal. {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 of 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 2025-02-03 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The account is charged off with a past due balance..Not only is this inaccurate information, I was also never sent a 1099C form as required by law for the written off debt to be counted as income.This debt is considered a charge off however this is actually considered income because I should have received a 1099C in order to account for this. I'm requesting that this account be removed because it is income and income is nit included on credit reports.

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 2025-02-03 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: FL

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
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
ACCOUNT # XXXX debts youre chasing me for I dont agree with them at all and I think the amounts youre saying I owe are off. Dont bother with any proof Im not interested. I know whats up and seeing proof isnt going to change that. If you need to get in touch, email me only between XXXXXXXX XXXX and XXXXXXXX XXXX XXXX. Dont send any mail whether its USPS , UPS , FedEx or any courier and skip the phone calls and voicemails its just one big inconvenience.I 'm outta here. This ACCOUNT # XXXX and anything else you have under my name.

Company response to consumer: Closed with non-monetary relief