vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
My daughter had a campus checking account for when she was under the age of XXXX. She was involved in a scam which tied to my account. I was never aware of the situation to put a stop to it. They say that they sent messages to my daughter, which she never received. I contacted the bank no resolve. Ive had the account over XXXX years in great standing I tried to buy a house from them was denied prior and they remove my savings and set my paycheck which caused a very hard hard hardship for me and Im still being affected by it to this date my daughter had text messages being threatened by the person who was scamming her like to cause her bodily harm and death with receiving monies in cash app sent it back to the person so when she told them, no, she didnt wan na do it anymore in days when threatened her life I took this information over to Navy federal credit union and I was told there was nothing they could do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: NY

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from 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 explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
When they took my car nor did they reach out I reached out to them and there head office. They didn't have a XXXX in XXXX when this was happening they never offered to work with me to get my car fixed that's a lie the letter they claim they sent me I have not never seen it until now XX/XX/year>. 


Would like to see all the paper due to what they are saying they told 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 2025-01-25 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: OK

Complaint narrative:
I have Become a victim of Identity Theft due to My information being exposed in the Data Breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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 writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 non-monetary relief
Consumer complaint received 2025-01-25 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: NY

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from 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 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App XXXX Block , Inc ) due to inadequate customer service and unfair practices which violate the 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 EFTA AND Regulation E. these have resulted in a huge inconvenience and financial loss. I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: OK

Complaint narrative:
I have Become a victim of Identity Theft due to My information being exposed in the Data Breach.

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 2025-01-25 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: OK

Complaint narrative:
I have Become a victim of Identity Theft due to My information being exposed in the Data Breach.

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 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number for Account XXXX XXXX Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information in Credit Report Dear XXXX, I am writing to dispute inaccurate information that appears on my credit report. The items in question are [ XXXX XXXX XXXX XXXX XXXX XXXX ]. These items are inaccurate and do not reflect my actual credit history. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these inaccuracies be investigated and corrected as soon as possible. The FCRA requires consumer reporting agencies to ensure that consumer reports are accurate and to conduct thorough investigations of disputed information. Furthermore, it mandates that consumer reporting agencies follow specific procedures before reinserting previously deleted information into consumer reports. According to the Consumer Financial Protection Bureau ( CFPB ), XXXX has been found to conduct faulty investigations that fail to address consumer disputes properly. It has been reported that XXXX uses flawed intake procedures and does not convey all relevant information to the original furnishers. Additionally, XXXX has been known to reinsert inaccurate information without matching it with records of previously deleted information. Therefore, I am providing the necessary documentation to support my dispute, including [ list of supporting documents ]. I expect XXXX to conduct a proper investigation and provide me with the results. If these inaccuracies are not promptly corrected, I will consider taking further action, including filing a complaint with the CFPB and seeking legal advice. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: CA

Complaint narrative:
I am filing a complaint against XXXX, Experian XXXX XXXX XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX, Experian and XXXX XXXX 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. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

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 explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of the XXXX data breach, my personal information was exposed. I am a victim of identity theft pursuant to 18 USC 1028A. The credit reporting agencies are in violation of 15 USC 1681, my right to privacy.

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 2025-01-25 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: GA

Complaint narrative:
I am writing to express my concerns regarding several issues I have encountered with the credit bureau, including unauthorized inquiries and inaccuracies in my credit report. I did not authorize these inquiries, and they are negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Ive been experiencing ongoing issues with Experian and XXXX regarding inaccuracies on my credit report. Despite submitting disputes for incorrect and inconsistent information, they have failed to remove these accounts. I have repeatedly requested a wet signature and physical proof of these alleged debts, yet they continue to ignore my requests. Instead, I have received generic mail stating the debts will remain because they belong to me, but no evidence or proper documentation has been provided to substantiate their claims. This lack of accountability has been frustrating and is preventing me from resolving the inaccuracies on my credit 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 explanation
Consumer complaint received 2025-01-25 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:
Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : XXXX. The following personal information is incorrect DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect CURRENT ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XX/XX/XXXX XXXX. Sample Reason XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Sample Reason XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Sample Reason XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following account XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX  XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby demand that these items be thoroughly investigated and promptly removed from my credit report. It is my understanding that you are required to verify these items with the relevant creditor. I kindly request that any information the creditor is unable to verify be deleted. I am aware that, under 15 U.S.C. Sec. 1681i ( a ), you are obligated to complete this reinvestigation within 30 days of receiving this letter. 

Please send an updated copy of my credit report to the address provided above. According to the law, no fee should be charged for this updated report. Additionally, I would like to request that you notify any recipients of my credit report in the past six months about the corrections made. 

Thank you for your attention and assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: WA

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX 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. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I marked inaccurate. The first one is XXXX XXXX XXXX XXXX and 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