vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: PA

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 proceeding ( 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: DC

Complaint narrative:
I have 2 inquiries on my Transunion report that I do recognize. The accounts I am complaining against are from 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 2025-02-04 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted. 
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 2025-02-04 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Dispute of Debt and Request for Validation Dear, I am writing in response to your notice of debt dated XXXX, in which you allege that I owe a balance of {$2800.00} I am disputing this debt, as I do not believe I am responsible for the amount you claim. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am requesting that you provide valid documentation supporting this debt and its validity. Please treat this letter as a formal request for validation of the debt as stipulated by law.

In accordance with California Civil Code 1788.30 I assert that you must provide the following information in writing : Proof of the original debt : Documentation that clearly shows the origin of the debt, including the name of the original creditor and the amount owed at the time it was incurred. 
Assignment of debt : If the debt has been sold or transferred to your agency, please provide a copy of the written agreement or assignment confirming that you are authorized to collect the debt on behalf of the creditor. 
Detailed account statements : A breakdown of the charges that make up the alleged debt, including dates, amounts, and any interest or fees applied. 
Verification of the amount owed : If any payments have been made or there are discrepancies, I request an accurate, updated statement of the account balance.

Additionally, until you provide the necessary documentation, I request that you cease all collection activities and refrain from reporting this disputed debt to any credit reporting agency, as permitted under [ californias Civil Code or FDCPA.

If you fail to provide the requested validation or continue collection activities without proper documentation, I will consider this matter unresolved and may pursue legal action to protect my rights under applicable civil and consumer protection laws.

Please respond within the time frame established by law, typically within 30 days from the date of this letter. Should you fail to do so, I will consider this debt invalid and expect it to be removed from my records. 

Thank you for your attention to this matter. I look forward to receiving the requested documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which is a violate CFPA. This has caused significant inconvenience and Financial loss, and i seek appropriate redress for this violation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-02-04 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-04 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
They keep calling my business even after being told that this line is a business lane and does not accept personal call, multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
To Whom it May Concern : I am in the process of purchasing a new home and recently pulled my credit reports. I was shocked to find that currently reporting is a collection company by the name of Credit Collection Services for an old XXXX account. 

I am disputing the validity of this collection and the reporting of it for the following reasons : 1 ) While I did previously have a XXXX account, I requested that it be cancelled. I recall receiving an email confirmation that my request was honored and that I had a {$0.00} balance. 

2 ) To date, I have not received a call, text, or email stating that there was an outstanding balance. 

Due to this collection being erroneously reported to the bureaus, I have been unable to secure credit and it is impacting my approval for my home loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-04 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: LA

Complaint narrative:
I am writing to you as a victim of a data breach. I am requesting the immediate blocking and deletion of the account and inquiries listed below from my credit reports pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), as these items are the result of identity theft and are not legitimately mine. I have not authorized this account or these inquiries. 
I am aware of my rights under the FCRA and understand that you are required to investigate and correct inaccurate information. I am also aware of the lawsuits currently being filed against the credit bureaus regarding data breaches and the mishandling of consumer data, and I am considering all available legal options to protect my rights and information. 
The following account and associated information must be blocked and deleted from my credit reports immediately : Account : 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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: LA

Complaint narrative:
I am writing to you as a victim of a data breach. I am requesting the immediate blocking and deletion of the account and inquiries listed below from my credit reports pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), as these items are the result of identity theft and are not legitimately mine. I have not authorized this account or these inquiries. 
I am aware of my rights under the FCRA and understand that you are required to investigate and correct inaccurate information. I am also aware of the lawsuits currently being filed against the credit bureaus regarding data breaches and the mishandling of consumer data, and I am considering all available legal options to protect my rights and information. 
The following account and associated information must be blocked and deleted from my credit reports immediately : Account : 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 XXXXXX/XX/year>

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 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-02-04 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: NJ

Complaint narrative:
Good morning this is an update for you all in regards to my three complaints with all three credit bureau. As of today XXXX I had spoken with a supervisor name a XXXX XXXX from XXXX I do have the case number from Transunion as well in regards to an illegal bankruptcy that was sent and placed on my credit report I also sent a letter stating why I asked the question for the bankruptcy letter as per the bankruptcy. They sent a response letter stated that they can not give out an individuals credit reporting information. The ( XXXX ) had a nerve to say to me That they will have to send my information to the court. I stated to her who are you going to send it to? Are you going to play as me?. 

Ive stated to her that is definitely illegal and you can lose your job & serve jail time behind that. I also explain to her that you are looking at the proof the from XXXX from year XXXX and also XXXX XXXX XXXX pages of XXXX and they are still refusing to take it off after it clearly says delete it on the documents. Ive also explained to XXXX XXXX that my next step will be an actual lawsuit. This has hindering my life completely. In a sense where I am losing jobs left and right they had this place on my credit report since XXXX. We are about to go into XXXX years that Ive been fighting to get this removed, and with proof of documentation that it was deleted from XXXX XXXX. These people are still refusing to remove and restore the mistakes that they have made at this point. You guys need to reevaluate the workers of TransUnion because what theyre doing is they are literally taking people placing false information on there. They clearly have the documents but theyre still refusing to remove it. As per FCRA 15 1681EB each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report.

All documentation should be accurate across the board with all three credit bureaus and these people are still not doing so again If if you referred back to the previous complaints below inside of the documents that were uploaded, you will clearly see there are two documents, and the fact that these people are refusing, which is going to lead me to go ahead and take legal action because I feel like no one is doing anything. 
Complaint Numbers Equifax XXXX TransUnion : XXXX Experian : XXXX XXXX Complaint : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: NJ

Complaint narrative:
Good morning this is an update for you all in regards to my three complaints with all three credit bureau. As of today XXXX I had spoken with a supervisor name a XXXX XXXX from XXXX I do have the case number from Transunion as well in regards to an illegal bankruptcy that was sent and placed on my credit report I also sent a letter stating why I asked the question for the bankruptcy letter as per the bankruptcy. They sent a response letter stated that they can not give out an individuals credit reporting information. The ( XXXX ) had a nerve to say to me That they will have to send my information to the court. I stated to her who are you going to send it to? Are you going to play as me?. 

Ive stated to her that is definitely illegal and you can lose your job & serve jail time behind that. I also explain to her that you are looking at the proof the from XXXX from year XXXX and also XXXX XXXX XXXX pages of XXXX and they are still refusing to take it off after it clearly says delete it on the documents. Ive also explained to XXXX XXXX that my next step will be an actual lawsuit. This has hindering my life completely. In a sense where I am losing jobs left and right they had this place on my credit report since XXXX. We are about to go into XXXX years that Ive been fighting to get this removed, and with proof of documentation that it was deleted from XXXX XXXX. These people are still refusing to remove and restore the mistakes that they have made at this point. You guys need to reevaluate the workers of TransUnion because what theyre doing is they are literally taking people placing false information on there. They clearly have the documents but theyre still refusing to remove it. As per FCRA 15 1681EB each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report.

All documentation should be accurate across the board with all three credit bureaus and these people are still not doing so again If if you referred back to the previous complaints below inside of the documents that were uploaded, you will clearly see there are two documents, and the fact that these people are refusing, which is going to lead me to go ahead and take legal action because I feel like no one is doing anything. 
Complaint Numbers Equifax XXXX TransUnion : XXXX Experian : XXXX XXXX Complaint : 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 2025-02-04 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$400.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1200.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$720.00} XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$890.00}

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 2025-02-04 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: GA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: OH

Complaint narrative:
I have been receiving emails and calls from " First Credit Services ''. When I called the number in the email they asked for all sorts of personal information. I refused. I did give them a Reference Number that was included in the email and they said that did not help them. I hung up.

Company response to consumer: Closed with explanation