vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX 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  has violated my rights. 

I viewed my Experian report on XX/XX/year> and noticed that some things are inaccurate and incomplete. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) 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. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-30 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: NY

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
I am filling a compost 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 the platform, leaving my account vulnerable and unprotected.Futthermore, 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 seek appropriate redress

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: NC

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: NC

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-01-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX I sent private trust recordsof XXXX XXXX XXXX XXXX to Navy Federal for review, inorder to facilitate a bank account re-titlement. On XX/XX/XXXX I received communication from Navy Federal that the trust was no approved for re-titlement, and the reason given was that the trust that was provided was not a XXXX XXXX XXXX. On XX/XX/XXXX, I requested more information as to the specific of what is required to be in a trust inorder for it to be considered a simple estate trust, my understanding is that the trust documents provide was exactly what should be required. Navy Federal refused to provide a more clear detailed understanding as to what their criteria includes for a trust to be considered a XXXX XXXX XXXX. On XX/XX/XXXX the XXXX XXXX XXXX XXXX XXXX XXXX was submitted to Navy Federal credit Union for review. On XX/XX/XXXX the XXXX XXXX XXXX XXXX XXXX XXXX was denied by Navy Federal. Navy Federal stated that the documents provided did not indicate a XXXX XXXX XXXX. I then requested Navy Federal to please provide details of what is in a trust to be considered a XXXX XXXX XXXX. Navy Federal refuses to provide more understanding as to what meets the requirement of a XXXX XXXX XXXX. I have continuously ask for clarity in this situation from Navy Federal but I have not been given it. Navy Federal is not for filling its responsibility as a fiduciary over this account in good faith. According to the Federal Reserve Act of 1913, Navy Federal Has a fiduciary responsibility to provide it customer with accurate information and it requirements for account facilitation. This is a violation of the oath that was taken by the bank to uphold all fiduciary responsibilities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
( 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 proce 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 redres for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Request for Deletion of Reinserted Collection Account XXXX XXXX XXXX : [ # XXXX ] {$620.00} Dear XXXX, I am writing regarding a collection account that was previously deleted from my credit file but has now been reinserted without proper notice, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Under the FCRA, if an item is reinserted into a consumers credit file, the CRA must : 1. Notify the consumer in writing within five business days of the reinsertion ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) ).

2. Verify the accuracy of the information and certify that the item complies with all FCRA requirements before reinserting it ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ) ).

As I have not received any written notification of this reinsertion or evidence of verification, I demand the immediate deletion of this account from my credit file. Failure to provide proper notification of reinsertion or to verify the accuracy of the information is a violation of my rights under the FCRA. 
To facilitate the investigation, I have included the following documents : A copy of my government-issued ID ( drivers license or passport ) I request that you : 1. Delete the collection account immediately.

2. Send me written confirmation of the deletion.

3. Provide the name and contact information of the furnisher of the reinserted account if verification occurred.

If you fail to comply with my request, I will have no choice but pursue legal action to protect my rights. 
I expect a response within 30 days, as required under the FCRA. Please send all correspondence regarding this matter to the address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-01-30 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: IA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Re : Request for Deletion of Reinserted Collection Account XXXX XXXX XXXX : [ # XXXX ] {$620.00} Dear XXXX, I am writing regarding a collection account that was previously deleted from my credit file but has now been reinserted without proper notice, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Under the FCRA, if an item is reinserted into a consumers credit file, the CRA must : 1. Notify the consumer in writing within five business days of the reinsertion ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) ).

2. Verify the accuracy of the information and certify that the item complies with all FCRA requirements before reinserting it ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ) ).

As I have not received any written notification of this reinsertion or evidence of verification, I demand the immediate deletion of this account from my credit file. Failure to provide proper notification of reinsertion or to verify the accuracy of the information is a violation of my rights under the FCRA. 
To facilitate the investigation, I have included the following documents : A copy of my government-issued ID ( drivers license or passport ) I request that you : 1. Delete the collection account immediately.

2. Send me written confirmation of the deletion.

3. Provide the name and contact information of the furnisher of the reinserted account if verification occurred.

If you fail to comply with my request, I will have no choice but pursue legal action to protect my rights. 
I expect a response within 30 days, as required under the FCRA. Please send all correspondence regarding this matter to the address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: FL

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 2025-01-30 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: FL

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: NC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. These inaccuracies are negatively affecting my credit report. Despite my submissions, Equifax consistently responds in less than 48 hours stating that the account is accurate and not providing me any evidence of a thorough investigation. I have submitted numerous complaints previously. From my understanding, this practice violates the Fair Credit Reporting Act 15 USC-1681i which mandates a reasonable investigation of disputes. Also, if any comments on my Equifax states that the accounts was previously disputed but resolved. Despite this, inaccuracies persist in the reported information, indicating that the data furnisher ( listed below ) did not properly investigate the dispute. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act, 12 USC-5536 ( a ) ( 1 ) ( a ) ( b ) as highlighted in the CFPB 's recent administrative proceeding File N. 2025-CFPB-0002 against them for similar violations.

They have also violated my rights under : 15 USC 1681s-2 : Negligence in ensuring the furnishers of information comply with their obligations.

15 USC 1681i ( 5 ) : Failure to properly reinvestigate disputes and remove inaccurate information.

15 USC 1681c ( c ) : Inclusion of obsolete information in my credit report. 

I request that the CFPB take immediate action to ensure that XXXX complies with the necessary proof of investigation. Thank you. 

Accounts : 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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ID Analytics, Inc.
State: NY

Complaint narrative:
FIRST NAME : XXXX LAST NAME : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB : XX/XX/year> XXXX PHONE NUMBER : ( XXXX ) XXXX EMAIL ADDRESS : XXXX I hope this message finds you well! I am contacting you regarding the addition of my personal information into your records system as detailed above. 

Thank you for taking the time to assist me with this request ; I look forward to hearing from you soon! 

Warm regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Heres a formal dispute letter you can use to address **Synchrony Bank** regarding incorrect delinquent reports on your credit file.

-- - **Synchrony Bank** [ c/o XXXX XXXX XXXX ] XXXX XXXX XXXX **Subject : Urgent Dispute of Incorrect Delinquency Reports on My Account** To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of late payments on my account with Synchrony Bank. Despite making my payments **in full and on time**, I have repeatedly noticed that my account has been **wrongfully marked delinquent**. I also opted to **settle the account properly**, yet these errors persist. 

This incorrect reporting is severely affecting my **livelihood**, causing undue hardship in my ability to secure financial stability. I have worked diligently to ensure my financial obligations are met, and I find it unacceptable that these errors continue to impact my credit standing. 

I am requesting that you **immediately investigate and correct** these discrepancies. Enclosed, I have included **proof of my timely payments**, which clearly show that these bills were settled **before the threshold time**. Given this evidence, I demand that all inaccurate late payments be **removed** from my credit report. 

Failure to rectify this matter promptly will leave me with no choice but to escalate my dispute to the **Consumer Financial Protection Bureau ( CFPB ) ** and other relevant authorities. I trust that you will take the necessary steps to resolve this issue swiftly and accurately. 

Please provide written confirmation of the corrections made to my credit report. If further information is needed, do not hesitate to contact me at or ** I appreciate your urgent 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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am requesting the immediate removal of the unauthorized accounts from my credit report. These accounts were not authorized by me, and I am unaware of their origins. In line with USC 1681g, please remove them within the next 15 days. Enclosed are the supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: GA

Complaint narrative:
I am a victim of identity theft, and inaccurate accounts have been fraudulently added to my consumer report. I have submitted multiple disputes to [ XXXXTransUnion XXXX under my rights in the Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. XXXX and XXXX XXXX. XXXX, yet these fraudulent accounts have not been permanently removed. 

I provided the required documents, including : A copy of my government-issued ID FTC Identity Theft Report A written request specifying the fraudulent accounts Per FCRA XXXX XXXX. XXXX ( b ), once an item is removed due to identity theft, it shall not be reinserted into my consumer report. If any of these accounts are re-added, the credit bureau is violating federal law. 

I demand the immediate and permanent removal of the following fraudulent accounts from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The credit bureau 's failure to remove these fraudulent accounts is harming my financial well-being, and they are in violation of federal law. If this matter is not resolved immediately, I will escalate my complaint to the Federal Trade Commission ( FTC ), my state attorney general, and consider legal action under FCRA XXXX XXXX. XXXX, which allows me to seek damages for willful noncompliance.

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 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
this account is marked as a charged off as a bad debt / profit and loss write off on my credit report between XX/XX/year> and XXXX XXXX i would like the remark removed. 
There is a debt collector attempting to collect a misrepresented debt. i also never gave permission to the original creditor to share my estate name information. XXXX usc XXXX ( a ) ( XXXX ) debt can not be transferred or it is fraud predatory solicitations malfeasance. 

I am not disputing the charge-off ; however, I would like to ensure I have all necessary information for my records and for proper accounting. 

Specifically, I request the following details : Date of Delinquency : The specific date when the account became delinquent. 
Date of Charge-Off : The exact date the charge-off was recorded.

Last Payment Date : The date of the last payment made on the account.

Accounting Information : Any documentation or details related to the accounting of this charge-off, as outlined in UCC XXXX. 
Additionally, I would appreciate any information relevant to preparing a XXXX form and any other forms relevant, as this will assist me in ensuring compliance with tax obligations. 
Also i need to know how much was charged off. 


Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
Hello, I am filling a complaint against the company Cashapp legal name ( 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. The cashapp : $ XXXX

Company response to consumer: Closed with explanation