vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: Advantage Credit, Inc.
State: NJ

Complaint narrative:
Subject : Formal Demand for Immediate Deletion of Personal Information & Cease-and-Desist of Data Furnishing, Selling, and Transmission NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 
To Whom It May Concern : I am writing to formally demand that you immediately delete all personal information related to me from your database and cease any further furnishing, selling, or transmission of my data. I do not consent to the sharing, reporting, or dissemination of my personal information, and I am exercising my right to opt out under the Fair Credit Reporting Act ( FCRA ) and other applicable federal and state laws. 
Upon reviewing my consumer file, I have identified inaccurate and unauthorized information in your records. Specifically, your company has reported false and outdated data that does not belong to me. This is a clear violation of FCRA provisions and constitutes willful noncompliance under federal law. 
Legal Violations & Liabilities : Your continued failure to delete this information is a direct violation of my rights, including but not limited to : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a proper reinvestigation and delete inaccurate information within XXXX  days. 
15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy of consumer reports. 
15 U.S.C. 1692e ( 8 ) Communicating false credit information with knowledge of its inaccuracy. 
15 U.S.C. 1681n Willful noncompliance with the FCRA, which provides for statutory damages of up to {$1000.00} per violation, punitive damages, and attorneys fees. 
Furthermore, your conduct is consistent with prior legal actions brought against XXXX and similar entities for improper data handling and failure to comply with consumer protection laws. ( See : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX, XXXX ). 
XXXX Actions Required : I hereby demand that you : Immediately delete all personal and inaccurate information from your records. 
Cease and desist any further reporting, selling, or furnishing of my data to third parties. 
Provide written confirmation of compliance within XXXX  days of this notice. 
Failure to comply with this demand will result in immediate legal action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and XXXX XXXX XXXX. Additionally, I will pursue civil litigation for statutory, actual, and punitive damages. 
This letter serves as formal notice of my demand under applicable law. No further warnings will be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: LCI Acquisition Inc.
State: NJ

Complaint narrative:
Subject : Formal Demand for Immediate Deletion of Personal Information & Cease-and-Desist of Data Furnishing, Selling, and Transmission NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 
To Whom It May Concern : I am writing to formally demand that you immediately delete all personal information related to me from your database and cease any further furnishing, selling, or transmission of my data. I do not consent to the sharing, reporting, or dissemination of my personal information, and I am exercising my right to opt out under the Fair Credit Reporting Act ( FCRA ) and other applicable federal and state laws. 
Upon reviewing my consumer file, I have identified inaccurate and unauthorized information in your records. Specifically, your company has reported false and outdated data that does not belong to me. This is a clear violation of FCRA provisions and constitutes willful noncompliance under federal law. 
Legal Violations & Liabilities : Your continued failure to delete this information is a direct violation of my rights, including but not limited to : XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) Failure to conduct a proper reinvestigation and delete inaccurate information within XXXX  days. 
XXXX XXXX. XXXX ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy of consumer reports. 
XXXX XXXX. XXXX ( XXXX ) Communicating false credit information with knowledge of its inaccuracy. 
XXXX XXXX. XXXX Willful noncompliance with the FCRA, which provides for statutory damages of up to {$1000.00} per violation, punitive damages, and attorneys fees. 
Furthermore, your conduct is consistent with prior legal actions brought against XXXX and similar entities for improper data handling and failure to comply with consumer protection laws. ( See : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX, XXXX ). 
XXXX Actions Required : I hereby demand that you : Immediately delete all personal and inaccurate information from your records. 
Cease and desist any further reporting, selling, or furnishing of my data to third parties. 
Provide written confirmation of compliance within XXXX  days of this notice. 
Failure to comply with this demand will result in immediate legal action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General. Additionally, I will pursue civil litigation for statutory, actual, and punitive damages. 
This letter serves as formal notice of my demand under applicable law. No further warnings will be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: VA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
For the past XXXX days, I have received calls from a debt collector while I was at work, disrupting my professional responsibilities. These calls have caused mental distress, reputational harm, harassment, and violations of my privacy. The calls were made at inconvenient times and risked exposing sensitive information to my coworkers, which could have caused irreversible damage to my reputation. 

I did not initially know who was calling me, so I had to look up the number to find out it was a debt collector. I am concerned about how they obtained my personal information and would like to know who gave them my contact details and how they got it. I am requesting a copy of all documents they have obtained about me. 

The calls are in violation of 15 U.S. Code 1692d - Harassment or Abuse, specifically : The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person. 

Additionally, I have requested that all future communication take place exclusively through the CFPB portal, as direct contact via phone or mail introduces risks of further harassment and violations of my 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 explanation
Consumer complaint received 2025-01-29 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: VA

Complaint narrative:
No knowledge of many accounts was a victim of identity theft

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 2025-01-29 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: TX

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 Credit Union for similar practices. Where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
Complaint Regarding Inaccurate Late Payment Reporting I am writing to formally file a complaint against XXXX XXXX XXXX  for their failure to correct inaccurate late payment reporting on my credit report. Despite my credit card payments being made on time, they continue to report late payments, which is negatively affecting my creditworthiness and causing me financial hardship by limiting my ability to purchase a vehicle or home. 

Under the Fair Credit Billing Act ( XXXX XXXX Code XXXX ( b ) ), I am disputing this inaccurate information, and I am requesting an immediate correction. Furthermore, under the Truth in Lending Act ( XXXX XXXX Code XXXX ( a ) ), I have the right to receive accurate billing information, which XXXX XXXX XXXX  has failed to provide. 

Additionally, this inaccurate reporting is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to consumer reporting agencies must be fair, accurate, and substantiated. Reporting false or outdated information violates my rights under the FCRA and constitutes an unfair and deceptive practice. 

I have previously contacted XXXX XXXX XXXX and the credit bureaus to dispute these inaccuracies, but no action has been taken to resolve this issue. As a result, I am now seeking the CFPBs intervention to ensure my rights as a consumer are upheld. 

Thank you for your time and prompt attention to this matter. I look forward to your response and a resolution to this complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
Complaint Regarding Inaccurate Late Payment Reporting I am writing to formally file a complaint against XXXX XXXX XXXX  for their failure to correct inaccurate late payment reporting on my credit report. Despite my credit card payments being made on time, they continue to report late payments, which is negatively affecting my creditworthiness and causing me financial hardship by limiting my ability to purchase a vehicle or home. 

Under the Fair Credit Billing Act ( XXXX XXXX Code XXXX ( b ) ), I am disputing this inaccurate information, and I am requesting an immediate correction. Furthermore, under the Truth in Lending Act ( XXXX XXXX Code XXXX ( a ) ), I have the right to receive accurate billing information, which XXXX XXXX XXXX  has failed to provide. 

Additionally, this inaccurate reporting is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to consumer reporting agencies must be fair, accurate, and substantiated. Reporting false or outdated information violates my rights under the FCRA and constitutes an unfair and deceptive practice. 

I have previously contacted XXXX XXXX XXXX  and the credit bureaus to dispute these inaccuracies, but no action has been taken to resolve this issue. As a result, I am now seeking the CFPBs intervention to ensure my rights as a consumer are upheld. 

Thank you for your time and prompt attention to this matter. I look forward to your response and a resolution to this complaint. 

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 2025-01-29 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 first noticed on XX/XX/year> that my Equifax account was unavaiable and unable to be pulled by me or by lenders- even when unfrozen. 

Equifax has claimed multiple times they've fixed the error but I have proof that it's still not fixed and their customer service refuses to update my report, consolidate any multiple files or fix whatever is wrong with their software.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: PR

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX. XXXX and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. 

According to XXXX XXXX. XXXX, 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. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX / XXXX XX/XX/year> In accordance with XXXX U.S.C. XXXX, I request that you immediately block this fraudulent information from my credit report. This information must remain blocked for XXXX year, after which I may request an extension of the block. During this period, you are not allowed to report these accounts on my credit history. 

I have contacted the credit bureau multiple times regarding these fraudulent accounts on my report, but they have failed to provide a solution. This situation is severely affecting my ability to acquire a new home for my children. These accounts were removed and not verified by other credit bureaus, so I do not understand why they still remain on my report. 

I have formally requested contracts containing the information that supposedly belongs to me, but more than 60 days have passed without receiving any response. I ask for your assistance in immediately deleting these fraudulent accounts. 

I have attached the FTC report ( REPORT NUMBER : XXXX ) in the hope that you will make a fair decision regarding my case. I appreciate your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: PR

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX. XXXX and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. 

According to XXXX XXXX. XXXX, 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. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX / XXXX XX/XX/year> In accordance with XXXX U.S.C. XXXX, I request that you immediately block this fraudulent information from my credit report. This information must remain blocked for XXXX year, after which I may request an extension of the block. During this period, you are not allowed to report these accounts on my credit history. 

I have contacted the credit bureau multiple times regarding these fraudulent accounts on my report, but they have failed to provide a solution. This situation is severely affecting my ability to acquire a new home for my children. These accounts were removed and not verified by other credit bureaus, so I do not understand why they still remain on my report. 

I have formally requested contracts containing the information that supposedly belongs to me, but more than XXXX  days have passed without receiving any response. I ask for your assistance in immediately deleting these fraudulent accounts. 

I have attached the FTC report ( REPORT NUMBER : XXXX ) in the hope that you will make a fair decision regarding my case. I appreciate your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under XXXX XXXX XXXX. FCRA XXXX ( XXXX XXXX. XXXX ) FCRA XXXX ( b ) Block ACCOUNTS : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # : - XXXX XXXX XXXX XXXX ( Original CreditoXXXX : XXXX XXXX XXXX XXXX XXXX Account # : - XXXX XXXX XXXX XXXX XXXX - Account # : - XXXX XXXX XXXX - Account # : - XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) Account # : XXXX XXXX Account XXXX : XXXX _______________________________________________ INQURIES XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXX XXXX XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX State I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) 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 in accurate. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CODE XXXX XXXX XXXX XXXX ( XXXX XXXX ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 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 2025-01-29 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. Futhermore, 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 2025-01-29 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: NC

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. 

The issue appears consistent with the recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions were settled with insufficient balances despite initially having adequate funds. I believe these practices were deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report & noticed fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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