vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Upon reviewing my credit reports from your bureau and other agencies, I have noticed significant discrepancies regarding this account. TransUnion reports the account as " Late 120 Days '' as of XX/XX/year>, while XXXX has classified the same account as " Derogatory '' and flagged it as a " Collection/Charge-off '' with differing dates. 
These inconsistencies clearly indicate that the information being reported is incorrect and may violate the Fair Credit Reporting Act ( FCRA ), which mandates that credit information be accurate, complete, and verifiable. 
I request the following actions from your bureau : XXXX. Validation : Provide verification and documentation supporting the accuracy of this account 's information as reported by XXXX XXXX. 
XXXX. Correction or Deletion : If you are unable to validate the reported information within the legally mandated period, I demand the immediate deletion of this account from my credit report. 
Please complete your investigation within 30 days of receipt of this letter, as required by federal law, and provide written confirmation of your findings and any actions taken. 
Thank you for your prompt attention to this matter. I look forward to receiving confirmation that my file has been updated appropriately. 

Creditor : XXXX XXXX Account Number : Ending in XXXX Attached : XXXX, Passport, proof of address

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act, ( FCRA ), 15 U.S.C 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate incomplete, or unverifiable must be properly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Equifax : 1. Conduct a thorough reinvestigation of the following disputed accounts or items. 

Name Account Number Amount XXXX XXXX  XXXX Late Payments XXXX XXXX XXXX XXXX Late Payments XXXX XXXXXXXX {$3100.00} XXXX XXXX {$1300.00} XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$23000.00} XXXX XXXX {$7000.00} XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX {$42000.00} XXXX XXXX XXXX XXXX XXXX Provide me with all documentation used to verify the accuracy of the disputed information. 

XXXX. Delete all information that can not validated or is inaccurate, as mandated by law Given the recent CFPB findings, I expect Equifax to handle this dispute with the utmost seriousness and compliance legal standards. A copy of my identification is attached to this letter. 
If Equifax fails to comply with its obligations under the FCRA, this dispute will be sent to the CFPB and pursue any necessary legal actions to protect my rights. 
Please respond to this dispute in writing within 30 days or sooner. I expect written confirmation of any changes to my credit file immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: NV

Complaint narrative:
I was sent a letter from Equifax stating that I have already disputed this item twice and do not send another letter unless they requested, they tell me to send in a copy of my complete pay stubs in W2 forms and a valid Social Security card and proof the address and I sent that in with every dispute letter, so I'm confused. on what's the problem and I also told them do not send me another computer-generated letter that I was going to sue them for it not improperly investigating this information that is reported on my credit report Did, I received a letter from Trans Union saying that the information is accurate Hey for me to file FTC report and I have done that already ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: NV

Complaint narrative:
I was sent a letter from Equifax stating that I have already disputed this item twice and do not send another letter unless they requested, they tell me to send in a copy of my complete pay stubs in W2 forms and a valid Social Security card and proof the address and I sent that in with every dispute letter, so I'm confused. on what's the problem and I also told them do not send me another computer-generated letter that I was going to sue them for it not improperly investigating this information that is reported on my credit report Did, I received a letter from Trans Union saying that the information is accurate Hey for me to file FTC report and I have done that already ...

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 2025-02-02 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: CA

Complaint narrative:
I don't know there to start, because It is so sad being victim of identity theft. My name is XXXX XXXX and I was out of USA around 10 years. I moved back to USA recently and after checking my credit reports was badly surprised. Scam artist theft my personal info from data breach and obtained fraudulent credit under my name. The fraudulent accounts are named as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had a call with all companies, described the situation and asked to provide copy of original contract with my verified signatures, they could not do. Also, fraud account are opened under the addresses there I have never resided : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Please delete all the fraudulent information from my credit reports, because I am 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 non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I don't know there to start, because It is so sad being victim of identity theft. My name is XXXX XXXX and I was out of USA around 10 years. I moved back to USA recently and after checking my credit reports was badly surprised. Scam artist theft my personal info from data breach and obtained fraudulent credit under my name. The fraudulent accounts are named as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had a call with all companies, described the situation and asked to provide copy of original contract with my verified signatures, they could not do. Also, fraud account are opened under the addresses there I have never resided : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Please delete all the fraudulent information from my credit reports, because I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax 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 a Accounts 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of 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 2025-02-01 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax 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 a Accounts 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
Subject : Fraudulent Transactions and Unauthorized Payments Through Cash App Description : I am filing a complaint regarding unauthorized transactions on my Cash App account that resulted from a rental scam. The situation unfolded as follows : 1. I was contacted by an individual through a rental service offering a vehicle for rent, with details that seemed legitimate at the time. After providing my Cash App account information, I made payments totaling {$650.00} to an individual, XXXX, and the company XXXX, which I later discovered has a history of fraudulent activity and legal issues. 
XXXX. The rental agreement provided to me was misleading and included terms that were not disclosed upfront. The vehicle I received was in poor condition, and I was never fully informed about additional fees and the exact rental terms. 
XXXX. After providing my Cash App card number for payment, I was unable to get the rental company to honor their agreement. I have not received the product or service as promised, and my attempts to resolve the issue, including contacting the company, have been ignored. 
XXXX. I also incurred several XXXX XXXX payments that were made using my Cash App card. The details of these payments are as follows : XX/XX/XXXX at XXXX XXXX  : {$13.00} XX/XX/XXXX at XXXX XXXX  : {$15.00} XX/XX/XXXX at XXXX XXXX  : {$22.00} XX/XX/XXXX at XXXX XXXX  : {$18.00} XX/XX/XXXX at XXXX XXXX  : {$20.00} XX/XX/XXXX at XXXX XXXX  : {$18.00} XX/XX/XXXX at XXXX XXXX  : {$17.00} XX/XX/XXXX at XXXX XXXX  : {$21.00} XX/XX/XXXX at XXXX XXXX  : {$18.00} XXXX XXXX  payments : {$160.00} XXXX. The funds for both the rental and the XXXX payments were sent using my Cash App balance, which has led to significant financial loss. Additionally, Ive incurred overdraft fees on my account due to this situation, and my personal belongings are still locked in the vehicle, as the company has removed my access to the car. 
XXXX. Total Loss : Rental Payments : {$650.00} XXXX XXXX  Payments : {$160.00} Overdraft Fees ( XXXX x {$34.00} ) : {$100.00} Total Loss : {$910.00} XXXX. I am seeking a full refund of the transactions in question due to the fraudulent nature of the rental agreement, the unauthorized payments made for both the rental and the Supercharger charges, and the unauthorized removal of my access to the vehicle. 

I request that Cash App investigate these transactions and take necessary action to reverse the charges and assist in recovering my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am writing to formally file a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices that I believe violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraudulent activities on their platform, leaving my account vulnerable and unprotected.

Additionally, their dispute resolution process has been unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These violations have resulted in significant inconvenience and financial loss for me. I seek appropriate redress for these issues and request an immediate investigation into these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
I called the debt collector to see what this was about and I told them on the phone I had no check sent out. XXXX took their money for other XXXX purchases so I don't understand this debt check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
I have reach out to spring oaks capital several times to found out who is the original debt collector and why after 9 years do they keep falsify the age of this debt. in the amount of {$990.00} spoke to the in 2018 on removal of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Disputed debt with XXXX, XXXX and XXXX. They will not remove or verify information.

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

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 2025-02-01 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: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
Subject : Dispute Regarding Noncompliance and Civil Negligence Under 15 U.S. Code 1681o To Whom It May Concern, I am writing to formally dispute the inaccurate credit reporting by XXXX that has severely impacted my credit profile. I have previously reached out to the reporting companies directly and disputed these inaccuracies with all three major credit bureaus. While XXXX and XXXX have already corrected the errors, XXXX has not taken appropriate corrective action. 

Under 15 U.S. Code 1681o, entities that negligently fail to comply with the Fair Credit Reporting Act ( FCRA ) are liable for actual damages, legal costs, and attorneys fees. It appears that XXXX has failed to uphold its obligations by continuing to report inaccurate information, which has led to significant harm to me. 

As a result of this negligence, my credit score has severely decreased, despite my lifelong efforts to maintain a strong credit standing. This has caused me considerable financial hardship, including difficulties in accessing credit. 

Given the severity of this matter, I am seeking an immediate resolution. Specifically, I request : XXXX. The removal of each inaccurate item from my credit profile as reported by XXXX. 
2. Written confirmation that these inaccuracies have been fully addressed and corrected. 

If this matter is not resolved promptly, I will consider further legal action, including seeking damages as permitted under 15 U.S. Code 1681o. Please consider this letter a formal notice of XXXX failure to comply with federal law and a demand for immediate corrective action. 

I expect a response within 30 days as required by law. If you need further details, please contact me at the information provided above. 

Sincerely, XXXX XXXX XXXX

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

Complaint narrative:
XXXX XXXX XXXX XXXX Account # XXXX Account was sold to XXXX XXXX XXXX and paid in full. 


XXXXXXXX XXXX XXXXXXXX XX/XX/year> Account is not mine I asked for validation of debt and never received anything plus its a hospital bill which is unreportable debt.

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