vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Reporting information on a consumers credit report without their written consent is identity theft. I did not give anyone written or verbal permission for them to place such information on my consumer report because my privacy rights have been violated. I am demanding the company block and remove the account from my consumer report no later than XXXX business days after such information Ive provided. Account ( XXXX XXXX  XXXX, {$1500.00} )

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 2025-01-23 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: LA

Complaint narrative:
I've made several attempts to address the fraudulent inquiries and accounts on my credit report, but they remain unresolved. These entries are not mine, and I am not responsible for them. They have caused significant stress and financial hardship. As a victim of identity theft, I may be forced to pursue legal action if this issue is not resolved promptly. These inaccuracies have hindered my ability to purchase a home and provide for my family, severely impacting my financial stability.

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 2025-01-23 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: LA

Complaint narrative:
I've made several attempts to address the fraudulent inquiries and accounts on my credit report, but they remain unresolved. These entries are not mine, and I am not responsible for them. They have caused significant stress and financial hardship. As a victim of identity theft, I may be forced to pursue legal action if this issue is not resolved promptly. These inaccuracies have hindered my ability to purchase a home and provide for my family, severely impacting my financial stability.

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 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Im writing this because i've always had a problem with capital one credit card, somehow my interest is increasing every month making my payments to them and the bill is not going down as it should, Im making the payments before the due date and they are still charging me a high interest payment after i've made the monthly payments which is more then the minimum amount they ask for monthly i started out with a low interest rate and every month its going up more and more i need some clarification on this company. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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:
Dear Consumer Financial Protection Bureau, I am writing to formally address an ongoing issue regarding multiple hard inquiries on my credit report, which I believe are the result of fraudulent activities. Under the Fair Credit Reporting Act, specifically 15 U.S. Code 1681, I am entitled to accurate reporting of my credit information, and I have taken the necessary steps to resolve this matter. 

Despite my efforts over the past XXXX  days to contact each of the XXXX major credit bureaus ( XXXX, XXXX, and TransUnion ), I have been advised to reach out to your office for resolution. I have submitted letters and documentation outlining the nature of these inquiries, yet no action has been taken to remove the XXXX fraudulent inquiries from my credit report. 

As per 15 U.S. Code 1681, which states that consumers have the right to dispute inaccurate information on their credit reports, I am exercising my rights to challenge these inquiries. The lack of resolution from the credit bureaus is unacceptable, and I am now compelled to consider legal action to ensure compliance with the law and protect my creditworthiness. 

I kindly request your immediate attention to this matter. Please investigate the fraudulent inquiries and facilitate their removal from my credit report. I appreciate your prompt response to this urgent issue and look forward to your guidance on the next steps. 

Thank you for your assistance.

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 2025-01-23 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Phoenix Recovery Group
State: MI

Complaint narrative:
My wife and I were sent to collections by our former apartment complex, XXXX XXXX XXXX XXXXXXXX XXXX. Upon communication with the leasing office, they informed us that they would not work with us on a month-to-month basis for the lease. If we were to break the lease, we were required by the lease agreement to provide two months of rent plus one month as a penalty in a lump sum all at once, around {$3000.00}. Office management refused to work out a payment plan with us. Management stated we needed to turn in a written letter of intention to vacate the premises including the full amount of money, or else the request would not be considered accepted. We provided them the letter of intention to vacate on XX/XX/XXXX as well as a follow-up on XX/XX/XXXX. The apartment was vacated as of XX/XX/XXXX as outlined, clean and empty. Instead of upfront payment due to financial hardship, we paid rent in full for the final two months on time. They also kept our entire security deposit, which they first refused to use it to cover the penalty, and then turned around and said they were not supposed to do it but agreed to take it to cover the penalty fee. Before turning in keys, I spoke to an office employee who told me not to worry and in their words not to let this place hold us back. On XX/XX/XXXX we received a debt collection notice from Phoenix Recovery Group for {$2400.00} on behalf of XXXX XXXX XXXX. A majority of the money claimed owed in collections had already been paid over the course of those two months plus the security deposit. XXXX XXXX sent us to collections for the entire remainder of the lease which is unfair and unreasonable. The signed lease agreement states upon early termination, that the tenants are only responsible for two months plus one month as a penalty, not the entire remainder of the lease. Phoenix Recovery Group was requested to validate the debt on XX/XX/XXXX and instructed if reported to any credit bureaus, to remark the debt as disputed. Phoenix Recovery Group reported the collection to XXXX in XXXX of XXXX as disputed. It was further reported to XXXX and XXXX in XX/XX/XXXX but was not remarked as disputed. Likewise, Phoenix Recovery Group was instructed by letter to no longer attempt to call or attempt to collect this debt on us via certified mail on XX/XX/XXXX. This agency has continued to attempt to call to collect on XX/XX/XXXX and XX/XX/XXXX. Another letter was sent on XX/XX/XXXX advising that verification of debt requested had not ben received at our new address within the 30 day period, and they still reported the collection. Phoenix Recovery Group has been violation of the Fair Credit Reporting Act numerous times, and XXXX 's run is falsely claiming we owe more than reasonable or fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: AR

Complaint narrative:
Money being taking off my card without permission from me .. and unauthorised payments being made with out my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: AZ

Complaint narrative:
I submitted a request to remove an inquiry on my credit report. I did not apply for this inquiry and I explained I have no idea where this came from. They did an investigation and came back saying they can't remove the inquiry and nothing they can do about it

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 2025-01-23 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: FL

Complaint narrative:
I have been alerted and it has been confirmed that my consumer report has been affected by the equifax data breach and because of that accounts have been created against my will. I am submitting document for the expungement of the information disclosed below. 

XXXX XXXX - XX/XX/XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am making this request pursuant to the FCRA guidelines ( 605b 15 usc 1681c 2 ) that you XXXX have XXXX days to block the listed fraudulent items from my report upon receipt of this submission. This fraudulent activity consists of auto loan account XXXXXXXX XXXX  acct number XXXX opened XX/XX/XXXX, fraudulent auto loan account XXXX XXXX acct number XXXX opened XX/XX/XXXX, fraudulent credit card account XXXX acct number XXXX opened XX/XX/XXXX, fraudulent credit card account XXXX XXXX acct number XXXX opened XX/XX/XXXX, fraudulent credit card account XXXX XXXX acct number XXXX opened XX/XX/XXXX, fraudulent auto loan account XXXX acct number XXXX opened XX/XX/XXXX These accounts have resulted in the damage of my XXXX credibility to obtain credit. This IS NOT a request for verification. I request for the immediate block and expungement under guidelines ( 605b 15 usc 1681c 2 ) upon this notification and that receipt of this demand be sent to my personal email XXXX Due to the constant malicious breach of my personal identity, i will be using the government agencies CFPB and the FTC affidavits attached as verification of identity because a copy of my drivers license was part of the data breach. I do not wish to have comments and or fraud alerts added to my account as they discourage creditors from extending credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: MN

Complaint narrative:
TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate and/or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. The failures align with my experience from XXXX, and TransUnion has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing as well. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnion 's inaction violates federal law and my rights as a consumer. TransUnion can't keep ignoring evidence showing other bureaus deleted the same account they aren't even investigating properly.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-01-23 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: CA

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 appears constant with finding by the CFPB which identified similar practices by Navy Federal credit union or transactions were set up with insufficient balances, despite initially having adequate funds, I believe these practices are 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 2025-01-23 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: NC

Complaint narrative:
In violation of 15 USC 1681, my SS and other private information was exposed in the data breach where hackers stole 3 million peoples personal and private information, including mine. Fraudulent accounts have been opened in my name. Therefore, hackers and imposters have been using my information without my permission or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/year>, Cash App pulled {$870.00} from my XXXX  checking account into my Cash App account without my authorization. This unauthorized transaction caused my XXXX account to overdraft, resulting in additional fees and debt. 

I contacted XXXX to report the issue, but they told me there wasnt enough evidence to take further action. As a result, XXXX ultimately closed my account. This incident has not only caused me significant financial and emotional stress but also negatively impacted my credit score due to the unpaid debt associated with the overdraft.

Im asking for this matter to be thoroughly investigated and for steps to be taken to address the unauthorized transaction and its consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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