vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: TX

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer report-ing agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the indi-vidual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information dis-puted by a consumer, an item of the information is found to be inaccurate or in-complete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Experian***** XXXX XXXX XXXX XXXX {$40000.00} Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$4700.00} Account number XXXX Date opened XX/XX/XXXX Tranunion**** XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$40000.00} Date opened XX/XX/XXXX Equifax**** XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$40000.00} Account Status CHARGE_OFF Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number xxxxxxxxxxx XXXX Reported Balance {$4700.00} Account Status NOT_MORE_THAN_TWO_PAYMENTS_PAST_DUE Date Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer report-ing agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the indi-vidual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information dis-puted by a consumer, an item of the information is found to be inaccurate or in-complete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Experian***** XXXX XXXX XXXX XXXX {$40000.00} Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$4700.00} Account number XXXX Date opened XX/XX/XXXX Tranunion**** XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$40000.00} Date opened XX/XX/XXXX Equifax**** XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$40000.00} Account Status CHARGE_OFF Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number xxxxxxxxxxx XXXX Reported Balance {$4700.00} Account Status NOT_MORE_THAN_TWO_PAYMENTS_PAST_DUE Date Opened XX/XX/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 2025-02-05 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 am submitting this complaint to request that, in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, you, Equifax, block from my credit report any information resulting from identity theft and fraud within 4 business days of receiving this complaint. The fraudulent, inaccurate, and false entries on my consumer credit report include accounts from the following creditors : Account # 1 : XXXX XXXX XXXX # XXXX with a balance of {$14000.00} Account # 2 : XXXXXX/XX/XXXX XXXX Account # XXXX with a bal. of {$6600.00} Account # 3 : XXXX - Account # XXXX with a bal. of {$14000.00} Account # 4 : XXXX XXXX XXXX - Account # XXXX with a bal. of {$11000.00} These accounts have led to multiple hard inquiries and fraudulent collection entries appearing on my FICO credit report such as : 1- XXXX XX/XX/XXXX XX/XX/year>2023 2- XXXX XX/XX/XXXX- XX/XX/year>2023 3- XXXX XX/XX/XXXX - XXXX/XXXX/2023 I do not recognize any of these accounts, collections, or inquiries, and I did not authorize, open, or initiate them in any way. They are solely the result of identity theft and fraud. 

As evidence, I have attached a copy of the FTC Identity Theft Report ( Criminal Complaint # XXXX ), which confirms that these accounts, collections, and hard inquiries are linked to identity theft, as verified by the U.S. Federal Trade Commission. In addition, I attached screenshot of many companies warning that my info have been leaked and that I am a victim of fraud as a result.

Please take immediate action to block the fraudulent information from my credit report as required by law.

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 2025-02-05 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 am submitting this complaint to request that, in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, you, Equifax, block from my credit report any information resulting from identity theft and fraud within 4 business days of receiving this complaint. The fraudulent, inaccurate, and false entries on my consumer credit report include accounts from the following creditors : Account # 1 : XXXX XXXX XXXX # XXXX with a balance of {$14000.00} Account # 2 : XXXXXX/XX/XXXX XXXX Account # XXXX with a bal. of {$6600.00} Account # 3 : XXXX - Account # XXXX with a bal. of {$14000.00} Account # 4 : XXXX XXXX XXXX - Account # XXXX with a bal. of {$11000.00} These accounts have led to multiple hard inquiries and fraudulent collection entries appearing on my FICO credit report such as : 1- XXXX XX/XX/XXXX XX/XX/year>2023 2- XXXX XX/XX/XXXX- XX/XX/year>2023 3- XXXX XX/XX/XXXX - XXXX/XXXX/2023 I do not recognize any of these accounts, collections, or inquiries, and I did not authorize, open, or initiate them in any way. They are solely the result of identity theft and fraud. 

As evidence, I have attached a copy of the FTC Identity Theft Report ( Criminal Complaint # XXXX ), which confirms that these accounts, collections, and hard inquiries are linked to identity theft, as verified by the U.S. Federal Trade Commission. In addition, I attached screenshot of many companies warning that my info have been leaked and that I am a victim of fraud as a result.

Please take immediate action to block the fraudulent information from my credit report as required by law.

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 2025-02-05 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 interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Re : Dispute of Reinserted Account Request for Immediate Removal Dear Equifax I am writing to dispute the reinsertion of a negative account on my credit report, which had previously been removed. The account in question is XXXX XXXX The account was removed from my credit report confirmed by your bureau. However, I have recently discovered that this account has been reinserted into my credit report without my consent. prior credit report showing the account was not listed. 
Furthermore, I did not receive the required notification at least 5 days before this account was reinserted, as mandated by 15 USC 1681i. This lack of proper notification is a violation of the Fair Credit Reporting Act ( FCRA ).

Given these circumstances, I request the immediate removal of this account from my credit report.

Please confirm in writing once this account has been removed from my credit report.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXXXX transaction Bank responsible ; Citibank The money withdraw was XXXX and citibank has not responded to this withdrawal I have contacted them several times, gave them the information and they have not responded to my request

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 2025-02-05 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: CA

Complaint narrative:
I have been dealing with unauthorized use of my personal information, which has resulted in fraudulent inquiries on my credit report from unknown companies.

These are the unauthorized inaccurate and fraudulent information 's on my credit report : XXXXXXXX XXXX ( Bank ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Bank ) XX/XX/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 2025-02-05 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: MS

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 2025-02-05 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-02-05 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: SC

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
To Whom It May Concern, I am formally disputing inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. XXXX is reporting inaccurate, incomplete, or unverifiable information in violation of 15 U.S.C. 1681i ( a ) ( 5 ) and has failed to conduct a proper investigation, disregarding consumer protection laws. I request that XXXX conduct a thorough reinvestigation of the wrongfully opened lease account by Toyota Motor Credit through Toyota XXXX and provide all documentation used to verify the disputed information, including any applications or agreements associated with this account. Additionally, I expect XXXX to confirm whether it has independently verified this accounts legitimacy, as it remains the only bureau reporting it as open. The account XXXX was wrongfully opened on XX/XX/year>. We have already contacted Toyota XXXX, and they have reached out to Toyota Motor Credit regarding this matter. Furthermore, XXXX correctly reflects the account as closed, yet XXXX continues to report it as open. This inaccuracy is negatively impacting my credit, and I demand immediate correction. Please provide a written response confirming the results of your reinvestigation on XXXX within the legally mandated timeframe. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: MS

Complaint narrative:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$700.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XXXX Balance {$130.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: OK

Complaint narrative:
Hi I had already complained about this debt collection agency before because the apartment I was staying at called XXXX XXXX, broke my lease by not repairing my air conditioning during XXXX degree weather and Im still receiving letters from them. I will be providing the response from the previous claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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 2025-02-05 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: CBC Companies, Inc.
State: FL

Complaint narrative:
Dear reader, The FTC has alerted me on this day that it has been 5 days since the initial receipt of our Identity theft submission. I have followed all steps instructed by both governing agencies FTC as well as the CFPB, pursuant to FCRA law ( 605b 15 usc 1681c 2 ). My consumer report and personal identity has been compromised by the XXXX data breach and because of that accounts have been created against my will and have damaged me unconditionally and indefinitely. 

This is not a request for verification, this is a follow up to a submission for expungement/blocking of fraudulent items you have listed on my report. 

I am submitting this document for the expungement of the information disclosed below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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 , 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 those violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TrueAccord Corp.
State: IL

Complaint narrative:
XX/XX/XXXX True Accord Dear Sir or Madam, I recently reviewed my credit report and noticed that this account has been marked as a charge-off. However, I have not received a 1099-C form for the cancellation of debt.

Given my financial hardship, I would appreciate it if you could issue and send me a 1099-C for this account. This documentation would be helpful for my records and may also assist me in improving my financial situation moving forward.

Please let me know if any additional information is required to process this request. I appreciate your time and assistance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX : XX/XX/XXXX Social security # ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Auto Finance Center
State: NC

Complaint narrative:
On XX/XX/XXXX I called XXXX XXXX and let the company know i could not longer afford to make my payments due to me losing my job. Up until XXXX I made my payments on time. XX/XX/XXXX the vehicle was picked up at my home. I never heard anything else about the XXXX. I was not contacted about the vehicle sold or anything. I recently pulled my credit and noticed a balance in the amount of {$11000.00}. 

According to XXXX XXXX on XX/XX/XXXX the XXXX XXXX had been sold on XX/XX/XXXX for {$6400.00}. At the time when the van was surrendered i only owed {$8700.00}, so therefore i would only owed XXXX XXXX {$2300.00}. I was not giving a fair chance to even recover my Van. I was unaware that the van was even sold or that even owed a balance. 

The company is reporting incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
Zelle Violated the electronic transfer act No consumer protections before transfers were sent out

Company response to consumer: Closed with explanation