vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 2025-01-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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:
On XX/XX/year>, I submitted an identity theft block request under FCRA 605B regarding XXXX XXXX XXXX  ' unauthorized credit reporting. The credit bureau violated 605B by failing to block this information within the required 4 business days. I have filed an identity theft report with the FTC documenting this unauthorized use of my identity. 

XXXX XXXX XXXX created obligations and credit reporting without my permission or authorization. I never had any business relationship with them. Their continued reporting violates my rights under FCRA 605B. I request immediate investigation and removal of this unauthorized reporting.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: NC

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: MI

Complaint narrative:
Hard inquiries listed on credit report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: MS

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: NJ

Complaint narrative:
I am filing a complain against XXXX for failing to properly investigate my dispute regarding inaccuracies on my credit report. Despite my submissions, XXXX 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. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions my also contravene the Consumer Financial Protection Act, ( CFPA ), 12 U.S.C 5356 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: SC

Complaint narrative:
DID NOT DO BUSINESS WITH XXXX XXXX I HAVE TWO ACCOUNTS FTC HAS BEEN SUBMITTED PLEASE EXPEDIT THIS AND BLOCK REMOVE ACCOUNTS ASAP!!

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 2025-01-23 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: NY

Complaint narrative:
I am filling a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Dispute my submissions, Experian consistently responds within 24 hours of 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 responsible investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with the federal law and provides consumers with the necessary proof of investigation. Here is the account I want removed. 
XXXX XXXX XXXX Opened XX/XX/XXXX {$26000.00}

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 explanation
Consumer complaint received 2025-01-23 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I am writing to formally dispute the incorrect reporting of a collection account on my credit report related to the XXXX XXXX XXXX XXXX XXXX which begins with XXXX. Despite my recent dispute with XXXX, I received an email from them within two hours stating that the account will remain on my credit report, indicating that no changes will be made. I believe this action violates both the Fair Credit Reporting Act ( FCRA ) and other applicable regulations under U.S. law, and I am seeking your assistance in rectifying this issue. 

Key Issues : Charge-Off Status : The account was charged off as of XX/XX/2024. However, I was not provided with a Form 1099-C or any other official documentation confirming this charge-off. As per XXXX U.S.C. XXXX ( Gramm-Leach-Bliley Act ), I believe I am entitled to receive proper notification of the charge-off, and failure to do so constitutes a violation of my rights. Inaccurate Reporting : XXXX XXXX U.S.C. XXXXg of the Fair Credit Reporting Act ( FCRA ), I am entitled to a complete and accurate report of all information maintained by the credit reporting agencies. The fact that XXXX has refused to correct the error, despite my request, suggests that they are not fulfilling their obligations to report accurate information. 

Request for CFPB Action : I respectfully request that the CFPB investigate this matter and require the reporting agencies ( XXXX, XXXX, and XXXX ) to rectify this issue by removing or updating the inaccurate collection from my credit report. The failure of these agencies to provide accurate information, and their refusal to correct the error after my dispute, is in direct violation of the law. 

Furthermore, I ask that you investigate whether I have been denied my legal right to receive a Form 1099-C as required under applicable tax laws for the charge-off of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I request your help in reviewing accounts from companies that have inaccurately reported late payments. Upon checking my credit report, I found some accounts with late payment remarks that should not be there. These accounts should reflect no late payments.

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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
Received Cashapp debit visa card in late XXXX XX/XX/XXXX, called customer support immediately XXXX and requested to cancel the card. customer support acknowledged and confirmed that the card is put for cancellation and will be done, no need to worry. 

On XX/XX/XXXX, received 1099-K amounting {$760.00} under XXXX XXXX. Called again CashApp customer support, they were directing me to identity theft for complain registration. They can not help anything in this matter as they were unable to verify me with my phone number or email. 

However, after 2 hours 30 minutes of call with XXXX XXXX XXXX  XXXX a case XXXX  XXXX was registered with cashapp. Received replay to login to my cashapp account and request, for which I do not use cashapp. 

Tax filing is nearby, I'm really worried about the situation, please advise my next steps if I need to report local authority etc., This might have happened due to data breach at XXXX, all of our family members and minor data exposed. Someone is using our data in applying cashapp, filing taxes etc., We have placed a freeze on our credit not sure how cashapp has issued visa debit card. 

Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NY

Complaint narrative:
I am writing to formally dispute the continued presence of the account listed below, which remains on my credit report despite your previous investigation. I believe the information is inaccurate and detrimental to my credit score. As such, I respectfully request that the account be immediately re-investigated. Account Name : XXXX. Account Number : XXXX XXXX. In accordance with the Fair Credit Reporting Act ( FCRA ), Public Law XXXX, XXXX XXXX, Section 611, I am requesting that you provide the names and business addresses of each individual or entity with whom you have verified this account. This is to allow me to follow up as necessary. Furthermore, please provide me with an updated copy of my credit report reflecting the results of your reinvestigation, as required under the FCRA. Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Credit bureaus have notified me of data leak and identity theft. Accounts have been now been compromised and reported negatively in my name. Ive reached out several times to fix this misinformation and have gotten no response or solutions.

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 2025-01-23 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:
Credit bureaus have notified me of data leak and identity theft. Accounts have been now been compromised and reported negatively in my name. Ive reached out several times to fix this misinformation and have gotten no response or solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: FL

Complaint narrative:
These are the accounts XXXX XXXX XXXX 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 2025-01-23 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: MD

Complaint narrative:
identify you and your account. 
Experian 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 Experian, 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 Experian 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 Experian 's inaction violates federal law and my rights as a consumer. 

The inaccurate accounts are XXXX XXXX XXXX XXXX XXXX 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 2025-01-23 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: FL

Complaint narrative:
I have attempted on many occasions to repair my credit even joining XXXX XXXX XXXX XXXX, requesting my credit report and other credit reporting agencies such as XXXX XXXX or through my bank portals XXXX and XXXX XXXX. 
To this day no matter the disputes filed with credit agencies such as transunion, primarily XXXX and XXXX. There have been no changes or updates. I cant get approved for credit. I feel discriminated against. All my attempts are not considered or resolved. I find that all three of these credit agencies are scamming people into becoming members of their repair agencies in the guise of credit repair and only collecting membership fees with no real intent to improve those ratings, statuses or information that has been collected and used inaccurately. I am consistently denied any actions on my disputes or the information is inaccurate old and worse completely false. My credit score should be so much higher and yet it reflects items that have been paid that state charge offs collections and lack of credit. Which how can you disapprove someone for lack of credit yet deny them the opportunity to obtain it. 
I deserve the right to have fair and equitable opportunity for credit whether it be through a loan, credit card or any other form. And I have also reported that my identity was stolen no investigation was made and no resolve of the matter either. I understand you are suing the credit agency. I believe that is absolutely the best form of action at this point because they are not doing anything for us but denying us our fair and equal rights to credit. They are in fact discriminating against us with their inaccurate reporting and lack of accountability for what is being requested as citizens. Please continue to move forward with your attempts and actions and know the public agrees with complaints and attempts for accountability.

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 2025-01-23 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: FL

Complaint narrative:
I have attempted on many occasions to repair my credit even joining XXXX XXXX XXXX program, requesting my credit report and other credit reporting agencies such as XXXX XXXX or through my bank portals XXXX and XXXX XXXX 
To this day no matter the disputes filed with credit agencies such as XXXX, primarily XXXX and equifax. There have been no changes or updates. I cant get approved for credit. I feel discriminated against. All my attempts are not considered or resolved. I find that all three of these credit agencies are scamming people into becoming members of their repair agencies in the guise of credit repair and only collecting membership fees with no real intent to improve those ratings, statuses or information that has been collected and used inaccurately. I am consistently denied any actions on my disputes or the information is inaccurate old and worse completely false. My credit score should be so much higher and yet it reflects items that have been paid that state charge offs collections and lack of credit. Which how can you disapprove someone for lack of credit yet deny them the opportunity to obtain it. 
I deserve the right to have fair and equitable opportunity for credit whether it be through a loan, credit card or any other form. And I have also reported that my identity was stolen no investigation was made and no resolve of the matter either. I understand you are suing the credit agency. I believe that is absolutely the best form of action at this point because they are not doing anything for us but denying us our fair and equal rights to credit. They are in fact discriminating against us with their inaccurate reporting and lack of accountability for what is being requested as citizens. Please continue to move forward with your attempts and actions and know the public agrees with complaints and attempts for accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: MI

Complaint narrative:
I would like all the overdraft fees reimbursed for the last 24 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: TN

Complaint narrative:
I am filing a complaint towards Navy Federal for multiple overdraft fees my account 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 2025-01-23 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: IL

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 non-monetary relief