vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: FL

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, XXXX, Equifax & XXXX XXXX XXXX agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. 



The fraudulent, inaccurate, and false information consists of the following : XXXX. A XXXX XXXX XXXX account opened on XX/XX/XXXX, with a balance of {$10000.00} ( account number ending in XXXX ). 

XXXX. An XXXX XXXX account opened on XX/XX/XXXX, with a balance of {$2200.00} ( account number ending in XXXX ). 

XXXX. A XXXX XXXX XXXX collections account opened on XX/XX/XXXX, with a balance of {$3200.00} ( account number ending in XXXX ). 

XXXX. An XXXX XXXX and XXXX collections account opened on XX/XX/XXXX, with a balance of {$1900.00} ( account number ending in XXXX ). 



These accounts have resulted in fraudulent hard inquiries and collections being reported on my consumer credit report. I have attached a copy of my consumer credit report maintained by all three credit reporting agencies which highlights these fraudulent items. 



I do not recognize any of the accounts, collections, or hard inquiries as reported. These items were not opened, made, or initiated by me and are the result of identity theft and fraud. I have also attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all these accounts, collections, and inquiries are fraudulent. 



Demand for Resolution : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that all three credit reporting agencies block all the accounts, collections, and hard inquiries identified in this complaint from my consumer credit file within XXXX business days of receiving this complaint. I also request that all written confirmation regarding this complaint be sent to me via email at XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: FL

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, XXXX, XXXX & Experian credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. 



The fraudulent, inaccurate, and false information consists of the following : XXXX. A XXXX XXXX XXXX account opened on XX/XX/XXXX, with a balance of {$10000.00} ( account number ending in XXXX ). 

XXXX. An XXXX XXXX account opened on XX/XX/XXXX, with a balance of {$2200.00} ( account number ending in XXXX ). 

XXXX. A XXXX XXXX XXXX collections account opened on XX/XX/XXXX, with a balance of {$3200.00} ( account number ending in XXXX ). 

XXXX. An XXXX XXXX and XXXX collections account opened on XX/XX/XXXX, with a balance of {$1900.00} ( account number ending in XXXX ). 



These accounts have resulted in fraudulent hard inquiries and collections being reported on my consumer credit report. I have attached a copy of my consumer credit report maintained by all three credit reporting agencies which highlights these fraudulent items. 



I do not recognize any of the accounts, collections, or hard inquiries as reported. These items were not opened, made, or initiated by me and are the result of identity theft and fraud. I have also attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all these accounts, collections, and inquiries are fraudulent. 



Demand for Resolution : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that all three credit reporting agencies block all the accounts, collections, and hard inquiries identified in this complaint from my consumer credit file within XXXX business days of receiving this complaint. I also request that all written confirmation regarding this complaint be sent to me via email at 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 2025-01-27 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: FL

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing for XXXX ( XXXX ) reasons : XXXX. To dispute certain information in my credit file ; and XXXX. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( XXXX ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be XXXX correct the information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-01-27 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:
XX/XX/XXXX, {$370.00} not remove XX/XX/XXXX, {$0.00} not move XX/XX/XXXX. {$11000.00} not move XXXX XXXX. $ {$640.00} not move

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 2025-01-27 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: TN

Complaint narrative:
* 15 USC 1681e ( b ) : Failure to maintain the accuracy of my credit report.

* 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 have sent multiple dispute letters to Experian, but they have either failed to conduct proper investigations or reinvestigations, or outright ignored the evidence I provided. 
To make matters worse, I have learned abour XXXX recent CFPB lawsuit against Experian ( " CFPB Sues Experian for Sham Investigations of XXXX Report Errors '' ), which highlights neglected efforts in your company affairs. 

have sent multiple dispute letters to Experian, but they have either failed to conduct proper investigations or reinvestigations, or outright ignored the evidence I provided. 

I want these accounts removed XXXX XXXX XXXX ACCOUNT HAS INCORRECT IMFORMATION XXXX  = {$520.00} Experian = {$510.00} XXXX = {$520.00} This credit line is suspended And I didnt apply for this line of credit. 



XXXX XXXX Past Due : {$740.00} {$700.00} {$740.00} Incorrect reporting Comments : Charged off as bad debt Canceled by credit XXXX chargers off but I never received a XXXX Also this account doesnt belong to me. 

XXXX XXXX This account doesnt belong to me XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX This account doesnt belong to me XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this account doesnt belong to me XXXX XXXX Doesnt belong to me

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 2025-01-27 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: IL

Complaint narrative:
To Whom It XXXX Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX {$180.00} XXXX XXXX {$400.00} XXXX XXXX XXXX Bank XX/XX/2024 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: OH

Complaint narrative:
I am writing to formally dispute certain hard inquiries that were made on my credit report, which I believe were unauthorized or made without my consent. Upon reviewing my credit report, I noticed several inquiries that I do not recognize and do not recall authorizing. 

The inquiries in question are listed below : XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Card XX/XX/XXXX I request that you investigate and remove these unauthorized inquiries from my credit report, as they do not reflect my permission and may be impacting my credit score. 

Please review the information and, if these inquiries can not be verified as being authorized by me, I ask that you remove them promptly in compliance with the Fair Credit Reporting Act ( FCRA ). I understand that under the FCRA, any inquiry that can not be verified must be removed. 

Kindly confirm the removal of these inquiries within XXXX days of your receipt of this letter, as required by law. I appreciate your immediate attention to this matter and look forward to a prompt resolution. 

Thank you for your cooperation. 

Sincerely, 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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the late payment reporting on my account with XXXX XXXX XXXX. Specifically, I am referring to the following account details and associated late payment : Account Name : XXXX XXXX Auto Account Number : XXXX Account Type : Auto Loan Late Payment Date : XX/XX/year> Under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), it is my understanding that my consumer report should not reflect information solely related to transactions or experiences between myself ( the consumer ) and the company reporting ( XXXX ). Negative payment histories and late payments have a direct and harmful impact on my credit report and, by extension, my financial wellbeing. 
In addition, per 15 USC 1666 ( b ), I am requesting that you provide documentation of the reasonable procedures your company follows to ensure that each periodic statement is mailed to me ( the consumer ) no later than XXXX  days before the payment due date. I also request that you include the information required by 15 USC 1637 ( b ) of Title 15 in your response. 
Please be advised that you have XXXX days from the date you receive this letter to respond with the requested information. If I do not receive a satisfactory response within this timeframe, I will assume that you are unable to verify the accuracy of the reported late payments. In that case, I will request the removal of these late payments from my credit report with all relevant consumer reporting agencies ( XXXX, XXXX, TransUnion ), and the account should be updated to reflect a positive payment history. 
Please send any updates or responses to the address listed below : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Upland, CA XXXX Thank you for your time and attention to this matter. I look forward to your prompt and favorable response.

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 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App XXXX Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically cash app has 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 require under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions had caused significant inconvenience and financial loss, and I seek appropriate redress for this violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
Someone opened a fraudulent debit card with Cash app in my name in XX/XX/XXXX with the incorrect address. When I contacted Cash App, they told me that they would investigate, but would not follow up with me and would not guarantee that the account in my name would be closed even though I asked it to be closed. Then XX/XX/XXXX I received a XXXX in the mail from Block Inc XXXX Cash App so I immediately contacted them to file yet another fraud claim and they said they could not help me unless I spoke to the police. So I filed a police report, then Block Inc, XXXX cash app said that the police could contact them, but they would not be able to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: SC

Complaint narrative:
I hope this complaint finds you well. I have expressed myself numerous times over the years especially the past year to have EQUIFAX accurately verify this alleged account. I have sent proof of my entity, and I've also expressed that I have the capacity to overstand my federally protected rights. They claim that the information is accurate and valid but have yet to see any proof. They have NEVER provided me PROOF of ANY documentation of my red XXXX signature, that show I gave them written or verbal instructions to furbish information on my credit file. EQUIFAX has successfully humiliated me. As a consumer under my federally protected rights, I have NOT given any company or persons written instructions or verbal permission to list these alleged accounts. THAT IS A VIOLATION ACCORDING TO 15 U.S.C 1681b. I will not keep putting up with these violations and will be seeking litigation in a small claims court against your company, seeking {$1000.00} for EACH violation for EACH month for DEFAMATION, NEGLIGENT ENABLEMENT OF IDENTITY FRAUD, VIOLATIONS FOR THE FAIR CREDIT REPORTING ACT, FINANCIAL INJURY, PENALTY OF PERJURY ( 18 USC 1028 AGGRAVATED IDENTITY THEFT ), VIOLATIONS OF 15 USC 1692g, 15 USC 1692a ( ABUSIVE PRACTICES ), 15 USC 1681b ( PERMISSIBLE PURPOSES OF CONSUMER REPORTS ), 15 USC 1681 4A B2 ( MISLEADING FALSE REPORTING ), 15 USC 1666b ( TIMING OF PAYMENTS ). I hope this issue can be resolved PROMPTLY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: NJ

Complaint narrative:
I've sent out multiple letters to XXXX TransUnion XXXX XXXX but they are not complying with 15USC 1681e ( b ) ,15 USC 1681S-2, 15 USC 1681i ( 5 ) & 15 USC 1681c ( c ) After doing some extensive research i was informed that CFBP has started a lawsuit against these " agencies " for sham investigations in credit reports Longwith inaccuracies, these agencies don't properly report or investigate and fails to remove inaccurate information from reports even after receiving disputes from consumers

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 2025-01-27 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: NJ

Complaint narrative:
I've sent out multiple letters to XXXX XXXX XXXX Equifax but they are not complying with 15USC 1681e ( b ) ,15 USC 1681S-2, 15 USC 1681i ( 5 ) & 15 USC 1681c ( c ) After doing some extensive research i was informed that CFBP has started a lawsuit against these " agencies " for sham investigations in credit reports Longwith inaccuracies, these agencies don't properly report or investigate and fails to remove inaccurate information from reports even after receiving disputes from consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: IN

Complaint narrative:
Dispute of addresses and phone numbers not associated with me.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Dispute of addresses and phone numbers not associated with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate and incomplete information on my XXXX credit report. Despite my efforts to resolve this matter directly with XXXX, they have willfully declined to provide verification information and correct the inaccuracies. 

The inaccuracies on my credit report include different account numbers, different dates last reported, reported last dates, and last payment dates. Additionally, there are several accounts and addresses listed that do not belong to me, including accounts with XXXX XXXX, Attorney General, XXXX Funding, and Dept of XXXX XXXX. The names and addresses associated with these accounts are also incorrect. 

These inaccuracies have had a significant adverse impact on my life, including difficulty obtaining credit, higher interest rates, denial of employment, and difficulty renting an apartment. According to Texas consumer law, any inaccurate information that has been willfully or unwillfully reported must be removed after XXXX years. XXXX 's failure to comply with this law and the Fair Credit Reporting Act ( FCRA ) has caused me undue hardship. 

I request that the CFPB intervene and ensure that XXXX conducts a thorough investigation, verifies the accuracy and completeness of the information with the original furnishers, and removes all inaccurate and incomplete information from my credit report. I also request that XXXX provide me with a written confirmation of the results of their investigation and notify all creditors and other users of my credit report of the corrected information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$720.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$110.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$96000.00} UNAUTHORIZED INQUIRIES : XXXX 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