vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: FL

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$680.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX  - XXXX - XX/XX/XXXX - {$10000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$560.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$8500.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$890.00} XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$4700.00} XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$640.00} XXXX XXXX XXXX - XX/XX/XXXX - {$6800.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2400.00} XXXXXXXX XXXX  XXXX - XXXX - {$0.00}

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 2025-03-13 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: GA

Complaint narrative:
Failure to verify reported information and in a timely 30 day manner.

Fair Credit Reporting Act ( 15 U.S.C. 1681i ) for you to provide a detailed explanation of the methods used to verify the accuracy of certain items on my credit report.

As you are aware, federal law requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes information. I am requesting that you provide the following for each item in question : 1. A clear description of the investigation process you followed.

2. The name, address, and contact information of each entity you contacted to verify the information.

3. Copies of any documentation provided by those entities that you relied upon to validate the reported items.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15
U.S.C. 1692g, I formally request validation and verification of this debt. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, I request proof of your permissible purpose for reporting this account to the credit bureaus.

To validate this debt, please provide the following documents : 1. Proof of Debt A complete itemized statement of the alleged debt, including the original contract with my signature, demonstrating my obligation to pay.

2. Assignment of Contract Legal documentation proving your authority to collect this debt, including a full chain of title from the original creditor to your company.

3. 1099-C Cancellation of Debt If this debt has been discharged or written off, I request a copy of IRS Form 1099-C.

4. Permissible Purpose Written evidence under 15 U.S.C. 1681b ( a ) that you have a legal right to access and report this account on my credit file.

5. Verification Process A detailed explanation of the procedures used to verify this debt, per my rights under 15 U.S.C. 1681i ( a ) ( 7 ).

If you are unable to provide this information, you are required by law to delete the unverifiable accounts immediately under FCRA guidelines. Failure to comply with this request may result in legal action being pursued to enforce my rights.

I expect a full response within the legally mandated 30 days from the date you receive this letter.

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 2025-03-13 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: GA

Complaint narrative:
I wanted to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious worries for me about the safety of my sensitive data. Because of this breach, there are now fraudulent accounts and debts under my name. Id really appreciate it if you could take this into account when looking at my credit report and help fix any errors or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-13 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: FL

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : XXXXAccount Name : XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: FL

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : XXXXAccount Name : 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 non-monetary relief
Consumer complaint received 2025-03-13 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: FL

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union for allowing multiple unauthorized transactions on my account and failing to properly investigate or provide any proof of their findings. 

Despite my disputes, Navy Federal has repeatedly allowed unauthorized charges to go through, draining my account and causing financial harm. When I reported these fraudulent transactions, they claimed to have conducted an investigation but provided no evidence or explanation of their decision. Additionally, they have continued to charge overdraft fees and attempt withdrawals beyond what was available, worsening my financial situation. 

These actions align with the recent CFPB findings against Navy Federal for similar unfair practices. I request an immediate investigation into these unauthorized transactions, a refund of all improper charges, and accountability for their failure to conduct a transparent and fair dispute resolution process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: WI

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-13 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: WI

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-13 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
In XX/XX/, I took out a home equity loan on our home for improvements with First Citizens Bank. After banking with them for years, I mistakenly felt safe with this bank. While paying the monthly due payment, I noticed the payment amount continued to rise. Looking through statements, I saw consistent, extraordinary fees. I contacted the branch where the loan was signed and was told that the loan officer would call back. I never received a call back. I continued to call and go to the bank in attempts to speak with the loan officer- without success. Finally, I was able to get through to her via phone. During this conversation I requested to set up a time to meet- she let me know that my rate was fixed, she would look into it as it must be a mistake and advised me to call the loan servicing department in the meantime. I called the given number several times and spoke with representatives who told me that they would document my concerns while looking into the billing errors. I specifically asked about the loan going into default and/or delinquency credit reporting during this time. I was told not to worry over this as it was documented that I was in contact about billing errors. On XX/XX/XXXX, XXXX I received a letter from a law firm requesting {$XXXX} immediately- even though payment due on account is {$XXXX} on XX/XX/XXXX. To this end- my complaints are as follows : Predatory Lending- First Citizens Bank used deceptive tactics to lead me into taking a loan that would prove near impossible and detrimental to repay ... while benefiting the lender. They targeted my pregnant wife and me during an unsure time.

Failure to provide customer assistance- First Citizens Bank failed to return phone calls, respond to meeting requests and follow through with assurances. 
Misleading information that is detrimental to consumer- First Citizens Bank gave misleading information regarding repercussions while actively investigating a billing error. 
Furthermore, I received no follow-up regarding any of the above until notified by the law-firm and credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
I am so upset. My credit score went down which will affect my purchasing power. I was never late and they reported I was 60 days late. I want this removed and my credit score to go back to where it was before they made a false report harming me. The company is Bridgecrest. I use them to finance a car from XXXX. The worst experience of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
In XXXX I got an XXXX XXXX XXXX credit card. I met the requirements to earn the XXXX flight miles reward, payed off the balance, and closed the card. In XXXX I applied for a mortgage only to be declined because the account was never closed properly ( their fault ) and the card had a balance of {$37.00}. I require this blemish on my credit history to be restored immediately. The amount of money that was owed is minimal, but the effect is palpable and only to me. I spoke with the companys customer service center and they informed me the card was closed in XXXX. I asked how it was closed with a balance due, and why I was never contacted about paying off the balance, and he could not give me an answer.

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2025-03-13 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: FL

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate.

Below are the accounts I am requesting to be reinvestigated : *Account Name : XXXX XXXX *Account Number : 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 non-monetary relief
Consumer complaint received 2025-03-13 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: MA

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: FL

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : *Account Name : XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: FL

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : *Account Name : XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

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 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer 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 Fund 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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Im reaching out regarding incorrect information on my credit report that needs to be addressed immediately. After reviewing my report, I noticed several discrepancies that are simply not accurate and need to be corrected right away.

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My Experian credit report contains serious inaccuracies that should have never been reported in the first place, and this level of carelessness is completely unacceptable. These reporting errors raise serious concerns about the reliability of your data and the integrity of your verification process. These mistakes are actively harming my financial standing, and I will not sit idly while misinformation continues to cause damage. 

As a consumer, I have a legal right to a credit report that is free from false or unverifiable information. The FCRA requires that all data reported be 100 % accurate and provable. If these errors can not be supported by documented proof, they must be removed immediately. I demand a full, detailed investigation and an immediate correction. Any delay in resolving these issues will be considered negligence and will not be tolerated.

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