vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
Today on XX/XX/year> I contacted XXXX and XXXX about a collection that has been put on my credit report From XXXX XXXX XXXX in .was removed from my credit report on XX/XX/XXXX and put back XXXX  days later XX/XX/XXXX with any proper investigation or verification from this collection agency expected credit XXXX XXXX XXXX just telling XXXX XXXX XXXX XXXX Ive sent XXXX all documentation of with my police report ftc report XXXX identification and proof of bill. Never received a response from contract with my name and signature nothing. They have violated so much FCRA code .. committing fraud on all levels. I will attach my recording of the calls

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: MO

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: MS

Complaint narrative:
Due to XXXX hard inquires on my account that I did not authorize, I would like those taken off immediately please. The dates range from XXXX to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
First, after a month of back and forth communications betwee me and Chase and XXXX, XXXX credited the charges, not because they acknowledged their mishandling of my credit information, but stated, in writing that they would refund my money because I was too annoying. That may have solved their issue, but it did not excuse Chase 's lack of protection of my financial information or making me go through his whole process - and let other customers go through similar improper treatment in the future. I have written letters to their chief legal counsel and she has not provided the " proof '' they relay upon nor explained what their logic is. If every vendor who has a customer 's debit card and email information on file is breached by a " scammer '', many people can suffer large financial damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: KY

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report. Thank you.

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 2025-01-22 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: MN

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2025-01-22 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: CA

Complaint narrative:
My ex BF used my info to open accounts that are not mine and without my permission. This was not authorized by me at all. I need this stuff taken off my 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
Consumer complaint received 2025-01-22 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 ex BF used my info to open accounts that are not mine and without my permission. This was not authorized by me at all. I need this stuff taken off my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and 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 human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX - XXXX Bankruptcy - XXXX XXXX XXXX  - XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX XXXX XXXXXXXX - XX/XX/year> XXXX  - XX/XX/year> XXXX  - XX/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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block, Ink ) 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 Regulations E. These actions have caused significant inconvenience and financial losses, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: FL

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: IL

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX ), ( XXXX ), ( XX/XX/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 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 cell phone account opened at XXXX on XX/XX/XXXX Account number ( XXXX ) and XXXX on XX/XX/XXXX an secured Loan opened at at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) an car loan Opened at XXXX on XX/XX/XXXX Account number ( XXXX ) an loan opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) An Collection Opened at XXXX XXXX, XXXX on XX/XX/XXXX Account number ( XXXX ) an installment account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX Account number ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: MD

Complaint narrative:
XXXX XXXX XX/XX/year> I am writing to formally dispute certain information that has been reported on my credit file under the provisions of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681. It has come to my attention that certain data has been reported by your agency without my explicit written consent to either furnish or obtain my personal information.

Pursuant to 15 U.S.C. 1681b, a consumer reporting agency is prohibited from furnishing information about me without my written consent, unless a permissible purpose exists under the law. Furthermore, I have not given any authorization or consent for the reporting or inquiry of my information by the parties involved. I respectfully request that you conduct a thorough investigation to verify the accuracy of the information and ensure it has been reported in compliance with federal law.

In light of this, I am requesting that you immediately : 1. Investigate the validity of the reported information in accordance with 15 U.S.C. 1681i.

2. Provide evidence of my written consent for the disclosure or inquiry of my credit information. 
3. Remove any unauthorized inquiries or accounts from my credit report. 
Please note that if you can not provide proper documentation or proof of consent, I expect the information to be removed from my credit file promptly, in accordance with the Fair Credit Reporting Act. 
I would appreciate your written response within 30 days, as required by law. Should you need any additional information to process my dispute, please do not hesitate to contact me. 
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 explanation
Consumer complaint received 2025-01-22 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: MD

Complaint narrative:
XXXX XXXX XX/XX/year> I am writing to formally dispute certain information that has been reported on my credit file under the provisions of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681. It has come to my attention that certain data has been reported by your agency without my explicit written consent to either furnish or obtain my personal information.

Pursuant to 15 U.S.C. 1681b, a consumer reporting agency is prohibited from furnishing information about me without my written consent, unless a permissible purpose exists under the law. Furthermore, I have not given any authorization or consent for the reporting or inquiry of my information by the parties involved. I respectfully request that you conduct a thorough investigation to verify the accuracy of the information and ensure it has been reported in compliance with federal law.

In light of this, I am requesting that you immediately : 1. Investigate the validity of the reported information in accordance with 15 U.S.C. 1681i.

2. Provide evidence of my written consent for the disclosure or inquiry of my credit information.

3. Remove any unauthorized inquiries or accounts from my credit report.

Please note that if you can not provide proper documentation or proof of consent, I expect the information to be removed from my credit file promptly, in accordance with the Fair Credit Reporting Act.

I would appreciate your written response within 30 days, as required by law. Should you need any additional information to process my dispute, please do not hesitate to contact me. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: OH

Complaint narrative:
writing to formally report fraudulent credit inquiries that have appeared on my XXXX credit report. These inquiries were made without my authorization and are the result of identity theft. I am requesting the CFPB assistance in having these inquiries removed immediately and in addressing this case of fraud. 

Fraudulent Inquiries : The following unauthorized inquiries were listed on my XXXX credit report, all dated XX/XX/2024 : 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 via XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX I did not authorize any of these inquiries, and they were not initiated by me. They are negatively affecting my credit score and overall financial stability.

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 2025-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: FL

Complaint narrative:
I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 non-monetary relief
Consumer complaint received 2025-01-22 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: NC

Complaint narrative:
This letter is in Response to the letter I received today ( XX/XX/XXXX ) FROM TRANSUNION Concerning my Dispute asking for Verification on XX/XX/XXXX. Transunion is stating they are allowing accounts to remain on my credit file without doing any XXXX XXXX!! this is ILLEGAL!!!! I'm writing to file a complaint against Transunion for failing to comply with the Fair Credit Reporting Act ( FCRA ) requirements, 15 USC 1681e ( b ), 1681s-2,1681i ( 5 ), and 1681 c ( c ). Despite multiple written disputes via Certified Mail, regarding inaccuracies on my credit report, Transunion has refused to conduct PROPER Investigations or correct the errors as mandated by law. 

On XX/XX/XXXX XX/XX/XXXX, and XXXX XXXX sent Transunion dispute letters regarding XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I also made sure each time I provided detailed evidence showing I Address, Name so that they could compare them and Delete the accounts because of the inaccuracies. In my last letter I ask Transunion to either respond back to me with specifics details in how they went about their verification and investigation, including dates, times and name of person spoken that verified the account, again they never responded back with any REAL VERIFIBLE INFO. I also ask them to compare EXACT NAMES and Addresses and DELETE accounts that aren't 100 % accurate, Transunion NEVER did Any REAL VERIFYING, they simply just kept those accounts on my file without Investigating or VERIFYING ANYTHING! This failure has severely harmed my credit score, impacting my ability to secure credit and purchase a home for me and my family. 

The recent CFPB enforcement action demonstrates a pattern of severe non-compliance by Transunion. My personal experiences run parallel with the practices highlighted in this lawsuit. 

*15 USC 1681e ( b ) : Failure to ensure the Accuracy of consumer reports.

*15 USC 1681s-2 : Neglect of Duty to prevent incorrect inaccuracies.

*15 USC 1681i ( 5 ) : Failure to delete inaccurate Unverifiable information.

*15 USC 1681c ( c ) : Continue of outdated information.

I Request for immediate corrective action.

1. Full and proper reinvestigation of disputed items 2. Deletion of inaccurate of unverifiable information 3. Full Documentation of the investigation and resolution.

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 2025-01-22 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:
This company is reporting fraudulent inaccurate information my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if the is actually an account that belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: TX

Complaint narrative:
I am filing a complaint agains Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian 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. section 1681i, which mandates a reasonable investigation of dispute. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C section section 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 'S recent administrative proceeding ( file No. 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.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 systematic 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 provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed account, as Experian 's inaction violates federal law and my rights as a consumer. 
The accounts 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 2025-01-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I just received a call from a woman who said I owe speedy cash and she have her attorneys trying to locate me I told her no I dont owe them they have been paid off and she hung up the number that she called from was XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: IN

Complaint narrative:
Went through video identity process was verified went to take my first payment everything was fine then I received an email stating that they was unable to verify my and that if they can not complete verification more info may be asked for no info was asked my account was closed and now my Money is being held I asked for reconsideration they replied back that they reconsidered it but still unable to verify I asked what info was used in this verification they said they are unable to provided me with that information my identity was verified because I was unable to accept payments until I was verified

Company response to consumer: Closed with explanation