vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: GA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXXXXXX ] [ XX/XX/XXXX ] Subject : Dispute of Accounts Due to Identity Theft Dear Sir/Madam, I am writing to formally dispute several accounts listed under my name that I believe were fraudulently opened as a result of identity theft. Please note that I did not open or authorize these accounts, and I request your assistance in investigating this matter and removing these accounts from my credit report. Below are the details of the disputed accounts : XXXX XXXX XXXX Account Amount : {$560.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account Amount : {$600.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  Account Amount : {$330.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account Amount : {$630.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  Account Amount : {$250.00} Date Opened : XX/XX/XXXX As these accounts were not opened or authorized by me, I am disputing their validity. I believe my identity was stolen and used without my consent. 

Conduct an immediate investigation of the above accounts. 

Remove these accounts from my credit report as they are fraudulent. 

Provide me with written confirmation of the investigation results. 

I would appreciate your prompt attention to this matter. Please contact me if you need any additional information to assist in your investigation. I can be reached at [ XXXX ] or [ XXXX ]. 

Thank you for your assistance. I look forward to your timely response regarding this issue. 

Sincerely, [ XXXX XXXX XXXX

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: 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: NV

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX  TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXX/XX/XXXX TransUnion

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that 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 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 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: EQUIFAX, INC.
State: GA

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 four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquiries XXXX  XX/XX/year> 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 XXXX XXXX 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 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: GA

Complaint narrative:
I am filing a complaint against TransUnion 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, XXXX '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 TransUnion complies with federal law and provides consumers with the necessary proof of investigation. Here are the account. I Also provide copies of XXXX credit bureau reports showing consistency reporting from all three bureaus and also bankruptcy was deleted, but was re-inserted back onto my TransUnion credit report after they deleted. XXXX deleted they was unable to verify so how do TransUnion verify. 
XXXX XXXX XXXX  # XXXX XXXX XXXXXXXX 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 2025-01-27 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: TX

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigaie 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, XXXX '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 XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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: FL

Complaint narrative:
I am writing to formally dispute to EQUIFAX inaccurate information on my credit report. After several disputes done and reviewing my report again, I noticed there's still some innacuracies on this account that contain errors : XXXX XXXX  ACCOUNT ENDING XXXX Under the FCRA 611.Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ], I am requesting : 1. Immediate RE-investigation into the disputed items listed above. 2. Removal of late payments and also correction of the inaccurate information. 3. An updated copy of my credit report reflecting these corrections. I have attached copies of supporting documentation to aid in your investigation, including : A copy of my credit report highlighting the disputed items. Documentation supporting my claim of inaccuracy. Please conduct a thorough investigation and provide me with a written response regarding the outcome within 30 days, as required by la

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: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am filing this complaint regarding some inaccurate items on my credit report that are negatively impacting my credit score. Despite my numerous attempts to resolve this with the collecting agency, it remains unsolved. I request immediate investigations and removal of these items from my credit report as they are incorrect and do not reflect my true credit history. 

The following items need to be removed from my credit report. 

LVNV FUNDING LLC {$3200.00} ( XX/XX/year> ) LVNV FUNDING LLC {$1800.00} ( XX/XX/year> ) XXXX XXXX {$1300.00} ( XX/XX/year> )

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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have requested validation. The amount is wrong, date wrong, and I didn't authorize this company to have privilege to my private information. They are reporting misinformation harming my character and ability for credit with lies, and costing me money and hardship. 
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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received a copy of my credit report and found the following items to be in error : XXXX  XXXX : Account Number : XXXX No Closing Date : This account is CLOSED but reports no closed date. 
High Balance Amount : {$0.00} High Balance is being reported on my credit report.

Inaccurate information is being reported on my credit report.

Please REMOVE this account from my credit report immediately.

By the provisions of the Fair Credit Reporting Act, I demand that the above account be removed from my credit report. You should report accurate information when you receive it from the creditors.

I understand that under 15 U.S. Code 1681s-2 ( 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 ), you must remove any incorrect information from my credit report within 30 days of receipt of this letter.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX Balance {$1400.00}, XXXX  XXXX Balance {$500.00}, XXXX XXXX Balance {$29000.00}, XXXX XXXX XXXX Balance {$720.00}, XXXX XXXX  Balance {$1600.00} XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX Balance {$200.00}, XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX co XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX Balance {$1400.00}, XXXX  XXXX Balance {$500.00}, XXXX XXXX Balance {$29000.00}, XXXX XXXX XXXX Balance {$720.00}, XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX Balance {$200.00}, XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently, I requested verification of the method used to investigate the inaccuracies on my credit report. Unfortunately, I have not received a response from the credit reporting agencies. I believe that XXXX, XXXX, and TransUnion have conducted inadequate investigations into my disputes, failing to address them properly. This has caused significant financial hardship and led to missed opportunities. 

I am deeply concerned that my disputes may have been mishandled in violation of the Fair Credit Reporting Act ( FCRA ). As you are aware, the FCRA mandates that credit reporting agencies conduct proper investigations into consumer disputes and provide clear and comprehensible results. Additionally, inaccurate or unverifiable information must be corrected or removed from credit reports promptly. 

In this case, the agencies have failed to meet their obligations. Therefore, I request the following actions : If the investigation concludes that the disputed information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 
I request written confirmation of the actions taken in response to this dispute, including details of any corrections or removals made to my credit report. 
I trust that the CFPB will investigate this matter thoroughly to ensure compliance with federal regulations and to hold the credit reporting agencies accountable for their obligations under the FCRA. 

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

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: CA

Complaint narrative:
Recently, I requested verification of the method used to investigate the inaccuracies on my credit report. Unfortunately, I have not received a response from the credit reporting agencies. I believe that XXXX, Equifax, and XXXX have conducted inadequate investigations into my disputes, failing to address them properly. This has caused significant financial hardship and led to missed opportunities. 

I am deeply concerned that my disputes may have been mishandled in violation of the Fair Credit Reporting Act ( FCRA ). As you are aware, the FCRA mandates that credit reporting agencies conduct proper investigations into consumer disputes and provide clear and comprehensible results. Additionally, inaccurate or unverifiable information must be corrected or removed from credit reports promptly. 

In this case, the agencies have failed to meet their obligations. Therefore, I request the following actions : If the investigation concludes that the disputed information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 
I request written confirmation of the actions taken in response to this dispute, including details of any corrections or removals made to my credit report. 
I trust that the CFPB will investigate this matter thoroughly to ensure compliance with federal regulations and to hold the credit reporting agencies accountable for their obligations under the FCRA. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST PORTFOLIO SERVICING INC
State: MI

Complaint narrative:
Tried getting credit cards and can't due to credit report and what's on it on this XXXX XXXX is in there and preventing me from living life comfortable I never opened this account and don't know who did

Company public response: Company disputes the facts presented in the complaint
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: SC

Complaint narrative:
I am writing to file a complaint against navy federal credit union regarding multiple over draft fees i have in curred. Despite having sufficient funds when transactions were authorized, I was charges and credits. This issue aligns with the recent CFPB funding against navy federal for similar practices, where transactions settled with insufficient balances Despite initially available funds. I believe these practices are unfair and requested an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation