vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Accounts Service Team Inc.
State: KS

Complaint narrative:
I am reporting Financial Accounts Service Team for reporting their fraudulent tradeline on my credit reports for a debt that I do not owe them AT ALL!! Ive never had any dealings with them or their client that they are working with, as I dont owe either anything. Especially since Ive been incarcerated for the last year, so whatever services, whether it be insurance or something else, I never inquired or requested for said services because I couldnt being in jail. My legal representation is ready to commence with legal proceedings if this fraudulent tradeline isnt removed from my credit reports immediately, so this is the first and last warning.

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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:
FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief.

CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 

Account name : XXXX XXXX opened : XXXX XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.

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 2025-02-07 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: WI

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 balances despite initially available funds. I believe these practices are unfair and request 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
Consumer complaint received 2025-02-07 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: NY

Complaint narrative:
I am writing to dispute the accuracy of the reporting on the above-referenced account, appearing on my credit report. This dispute is filed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and related consumer protection laws. Additionally, I am referencing a XXXX XXXX of XXXX form issued after the initial investigation of this account, which indicates that this debt has been canceled and is no longer valid for collection or reporting. 
Disputed Items and Concerns Charge-Off and Balance Reporting : Your records reflect that the account was charged off with a balance of {$XXXX}. However, the issuance of the XXXX form confirms that the debt was forgiven or canceled, which should nullify any continued balance reporting or collection activity. Reporting the debt as " charged off '' after a XXXX is issued conflicts with IRS guidelines and the FCRA 's accuracy requirements. 
Inconsistent Payment History : The payment history includes a sequence of missed payments and delinquency status for several months in XXXX and XXXX. These entries contradict the cancellation of the debt and need to be corrected to accurately reflect the status of the account after the issuance of the XXXX. 
XXXX XXXX : The account is listed as remaining on the record until XX/XX/XXXX, even though the issuance of the XXXX should lead to an update or removal of the derogatory marks, as the debt is no longer valid or collectible. 
Requested Actions Pursuant to the FCRA and the protections it affords me as a consumer, I am requesting the following : Validation of Debt and Reporting : Provide all supporting documentation, including the original agreement, proof of ownership, chain of assignment, and evidence of the current validity of the debt. 
Amendment of Credit Reporting : Remove all derogatory remarks and update the account status to reflect the issuance of the XXXX, ensuring compliance with both FCRA requirements and IRS guidelines XXXX 
Confirmation of Compliance : Provide a written response confirming that the inaccuracies have been corrected or that the account has been removed from my credit file. 
XXXX XXXX As a data furnisher, XXXX is XXXX under the FCRA to ensure the accuracy and integrity of all reported information. Additionally, under IRS rules, the issuance of a XXXX form legally indicates that the creditor has canceled or XXXX the debt, barring further reporting as collectible. Continued inaccurate reporting may constitute willful non-compliance with federal laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: NY

Complaint narrative:
I am writing to dispute the accuracy of the reporting on the above-referenced account, appearing on my credit report. This dispute is filed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and related consumer protection laws. Additionally, I am referencing a XXXX XXXX of XXXX form issued after the initial investigation of this account, which indicates that this debt has been canceled and is no longer valid for collection or reporting. 
Disputed Items and Concerns Charge-Off and Balance Reporting : Your records reflect that the account was charged off with a balance of {$XXXX}. However, the issuance of the XXXX form confirms that the debt was forgiven or canceled, which should nullify any continued balance reporting or collection activity. Reporting the debt as " charged off '' after a XXXX is issued conflicts with IRS guidelines and the FCRA 's accuracy requirements. 
Inconsistent Payment History : The payment history includes a sequence of missed payments and delinquency status for several months in XXXX and XXXX. These entries contradict the cancellation of the debt and need to be corrected to accurately reflect the status of the account after the issuance of the XXXX. 
XXXX XXXX : The account is listed as remaining on the record until XX/XX/XXXX, even though the issuance of the XXXX should lead to an update or removal of the derogatory marks, as the debt is no longer valid or collectible. 
Requested Actions Pursuant to the FCRA and the protections it affords me as a consumer, I am requesting the following : Validation of Debt and Reporting : Provide all supporting documentation, including the original agreement, proof of ownership, chain of assignment, and evidence of the current validity of the debt. 
Amendment of Credit Reporting : Remove all derogatory remarks and update the account status to reflect the issuance of the XXXX, ensuring compliance with both FCRA requirements and IRS guidelines XXXX 
Confirmation of Compliance : Provide a written response confirming that the inaccuracies have been corrected or that the account has been removed from my credit file. 
XXXX XXXX As a data furnisher, XXXX is XXXX under the FCRA to ensure the accuracy and integrity of all reported information. Additionally, under IRS rules, the issuance of a XXXX form legally indicates that the creditor has canceled or XXXX the debt, barring further reporting as collectible. Continued inaccurate reporting may constitute willful non-compliance with federal laws.

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 2025-02-07 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:
TransUnion is reporting a false charge-off on my credit report and has illegally re-aged the debt, making it appear as a new charge-off in XXXX, despite the account being fully settled and paid in XXXX. This inaccurate reporting is damaging my credit score, preventing me from obtaining financial opportunities, and causing undue stress. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and requires urgent correction. 

Details of the Account : Creditor : XXXX XXXX XXXX ( XXXX XXXX ) Original Charge-Off Date : XX/XX/XXXX Re-Reported as Charge-Off : XX/XX/XXXX ( Illegal Re-Aging ) Original Balance : {$1200.00} Amount Remaining : {$0.00} ( Settled in Full in XX/XX/XXXX ) How TransUnion Violated My Rights : 1. False Charge-Off Reporting TransUnion is reporting this account as charged-off, even though the account was paid in full through a third-party company, XXXX. 
XXXX. Illegal Re-Aging of Debt Instead of properly reflecting the original charge-off date ( XXXX ), TransUnion re-reported the charge-off as if it happened in XXXX, violating FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

3. Failure to Ensure Accuracy TransUnion has reported false information in violation of FCRA 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain accurate consumer records.

4. Financial & XXXX XXXX  Due to this false charge-off and illegal re-aging, my credit score has been severely impacted, leading to financial losses, denied credit opportunities, and emotional distress.

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX Balance : {$14000.00} XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXXXX/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 2025-02-07 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX  Account number : XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-02-07 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX  Account number : XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

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 2025-02-07 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.

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 2025-02-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My information was exposed in a data breach. Don't turn my dispute into a 3 day dispute. I request under section 605B that it ALL be REMOVED of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: NV

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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 ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These
actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: GA

Complaint narrative:
My name is XXXX XXXX and this is not a third party service. I have filed a FTC complaint # XXXX I have unauthorized inquires on my report and I am requesting have them removed in accordance with FCRA law. I will seek legal action if these inquires remain with Transunion and Equifax.

Unauthorized Inquires XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Made : XX/XX/XXXXXXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX  Inquiry Made : XX/XX/XXXX XXXX XXXX  Inquiry Made : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX  Inquiry Made : XX/XX/XXXX XXXX XXXX  Inquiry Made : XX/XX/XXXXXXXX XXXX Inquiry Made : XX/XX/XXXXXXXX XXXX  Inquiry Made : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry Made : 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 2025-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: GA

Complaint narrative:
I purchased a hotel room at XXXX XXXX in XXXX, GA XX/XX/2025. I contacted CASHAPP several times about my {$150.00} deposit. I was told I would receive my refund for my deposit back in 30 days from CASHAPP. I have talked to the hotel and they said they released my deposit at checkout. Ive spoke to CASHAPP several times about the matter, they have not returned my money and is giving me the runaround about my refund. This is the first complaint number that I made XXXX. I was told that I would receive my money back in 30 days. I did not receive it. This is the second complaint Ive made XXXX. I still have not received my {$150.00} deposit back from CASHAPP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: FL

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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