vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: CA

Complaint narrative:
Hi my name is XXXX XXXX and this is your **final and non-negotiable** demand to **immediately** delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. 
**Pursuant to 15 U.S.C. 1681b**, you are illegally reporting and sharing my personal information without my explicit authorization. 
**You do not have my consent, and you have never had my consent** to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains **unauthorized inquiries** that I did not initiate, which makes me a **victim of identity theft**. 
**Under 18 U.S.C . 8**, I owe **absolutely no debt** to the companies listed. Your failure to delete these inaccuracies immediately will result in **severe legal consequences**. I will **not hesitate** to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the **Federal Trade Commission ( FTC ) ** and the **Consumer Financial Protection Bureau ( CFPB ) **. 
2. Initiating civil lawsuits for violations of my rights under the **Fair Credit Reporting Act ( FCRA ) **. 
3. Seeking **statutory and punitive damages** for your gross negligence and failure to comply with federal law. 
You are hereby notified that you have **no further opportunity** to delay or ignore this matter. I **demand** that all incorrect entries and unauthorized inquiries be deleted **immediately** and **permanently**. This is your **final warning**, and I expect **written confirmation** of the deletions without delay.If I do not receive confirmation of the deletions within the next 10 business days, I will proceed with full legal action, which will result in **significant consequences** for your continued disregard of federal law.

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 2025-01-28 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: NY

Complaint narrative:
I would like my credit score to reflect the actual numbers that I worked hard to achieve 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 2025-01-28 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 am writing to formally dispute the reporting of XXXX XXXX joint account of around {$18000.00} that was opened under my name and social security number by my father. This loan was created without my consent, and I did not agree to co-sign or have any involvement with this. This account was opened in XXXX and I found out about it in XXXX of XXXX. After all these years I was unaware of any missed payments, and as a result, the loans impact on my credit report is unfair and 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 non-monetary relief
Consumer complaint received 2025-01-28 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 formally dispute the reporting of XXXX XXXX joint account of around {$18000.00} that was opened under my name and social security number by my father. This loan was created without my consent, and I did not agree to co-sign or have any involvement with this. This account was opened in XXXX and I found out about it in XXXX of XXXX. After all these years I was unaware of any missed payments, and as a result, the loans impact on my credit report is unfair and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: IL

Complaint narrative:
I am writing to formally dispute the reporting of XXXX XXXX joint account of around {$18000.00} that was opened under my name and social security number by my father. This loan was created without my consent, and I did not agree to co-sign or have any involvement with this. This account was opened in XXXX and I found out about it in XXXX of XXXX. After all these years I was unaware of any missed payments, and as a result, the loans impact on my credit report is unfair and 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 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc.
State: LA

Complaint narrative:
I had XXXX at XXXX XXXX in 2017. I received a statement of XXXX balance. If I owed the debt, I would have paid it. I had insurance which took care of the bill. Then years later I received notices from a company that I did not owe anything to, They claimed I had a debt. I sent them the bill with the XXXX balance. They were put a debt on my credit report which had impacted my credit. I do not owe them anything. They say they are the original creditor but I have no knowledge of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I have been trying to open a new bank account. However, when I try, the banks systems show that I owe Chemical Bank money. When I contacted Chemical Bank ( now Huntington Bank ), they do not have any records other than my name and that I once had an account with Chemical Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Checkr, Inc
State: NE

Complaint narrative:
On XX/XX/year> I filed a dispute with Checkr regarding a background check it conducted for XXXX. Checkr 's report incorrectly included a conviction belonging to a different person ( XXXX XXXX XXXX ) who according to public records never shared an address with me, and is a foot taller, but shares a date of birth. I provided my Driver 's License showing my correct identity, and specifically asked Checkr to disclose the source of the challenged material ( ie, where they got the idea that we were the same person ). Checkr re-investigated and was unable to identify any source for its allegation yet nonetheless refused to correct the consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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:
My name is XXXX XXXX, I recently submitted a claim/dispute that my information was leaked in an XXXX data breach. I submitted complaints via the CFPB with complaint ID # s : XXXX XXXX, Transunion XXXX , and XXXX, XXXX. After all accounts listed on my dispute were removed ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) They were placed back on my report! This is unacceptable behavior towards someone who is a victim of identity theft. I completed an Identity Theft Report ( reference # XXXX ) and you honored my request. There is absolutely no reason for any of these accounts to be reappearing on my credit report. I provided the appropriate documentation to support my claim. Anyone claiming this account to be mine, has used my name and personal information without my consent!! These accounts must be BLOCKED and DELETED PERMANENTLY according to 15 USC 1681c-2 ( a ). As a consumer, it is my right to dispute inaccurate and fraudulent information. XXXX XXXX XXXX, and XXXX XXXX XXXX  was reinserted back on my credit report without a letter sent to me in writing within FIVE DAYS before it was reinserted. According to the FRCA, this is against the law and against my consumer rights. I demand this account be removed, because any information provided that it belongs to me is FRAUDULENT, and not relayed to me.

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 2025-01-28 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: NY

Complaint narrative:
My name is XXXX XXXX, I recently submitted a claim/dispute that my information was leaked in an Equifax data breach. I submitted complaints via the CFPB with complaint ID # s : Equifax XXXX, XXXX XXXX XXXX and XXXX, XXXX. After all accounts listed on my dispute were removed ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) They were placed back on my report! This is unacceptable behavior towards someone who is a victim of identity theft. I completed an Identity Theft Report ( reference # XXXX ) and you honored my request. There is absolutely no reason for any of these accounts to be reappearing on my credit report. I provided the appropriate documentation to support my claim. Anyone claiming this account to be mine, has used my name and personal information without my consent!! These accounts must be BLOCKED and DELETED PERMANENTLY according to 15 USC 1681c-2 ( a ). As a consumer, it is my right to dispute inaccurate and fraudulent information. XXXX XXXX XXXXXXXX, and XXXXXXXX XXXX XXXXXXXX was reinserted back on my credit report without a letter sent to me in writing within FIVE DAYS before it was reinserted. According to the FRCA, this is against the law and against my consumer rights. I demand this account be removed, because any information provided that it belongs to me is FRAUDULENT, and not relayed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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:
My name is XXXX XXXX, I recently submitted a claim/dispute that my information was leaked in an XXXX data breach. I submitted complaints via the CFPB with complaint ID # s : XXXX XXXX, XXXX XXXX XXXX and Experian, XXXX. After all accounts listed on my dispute were removed ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) They were placed back on my report! This is unacceptable behavior towards someone who is a victim of identity theft. I completed an Identity Theft Report ( reference # XXXX ) and you honored my request. There is absolutely no reason for any of these accounts to be reappearing on my credit report. I provided the appropriate documentation to support my claim. Anyone claiming this account to be mine, has used my name and personal information without my consent!! These accounts must be BLOCKED and DELETED PERMANENTLY according to 15 USC 1681c-2 ( a ). As a consumer, it is my right to dispute inaccurate and fraudulent information. XXXX XXXX XXXX and XXXX XXXX XXXX was reinserted back on my credit report without a letter sent to me in writing within FIVE DAYS before it was reinserted. According to the FRCA, this is against the law and against my consumer rights. I demand this account be removed, because any information provided that it belongs to me is FRAUDULENT, and not relayed to me.

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 2025-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian Reporting inaccurate information on my credit report about debt. I told them I was incarcerated at the time this happened.

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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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 the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I mailed a Certified Letter to Jefferson Capital Systems , LLC, to the address listed on my credit report. The Certified Letter was returned to me on XX/XX/XXXX, with insufficient address. 
As defined by the IRS : The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesnt belong on a credit report, so this information is not accurate! By IRS rules, any debt or charge-off is classified as income. Reporting reporting this is incorrect. According to 15 USC 1681 s-2, Account Name, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate information. I am requesting that you delete this inaccurate information from my report right away. **15 USC 1681 s-2 ( a ) ( 1 ) ( A ) : ** A person shall not furnish information related to a consumer to any consumer reporting agency, if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and ; the information is, in fact, inaccurate. In summary, Ive shown you that this information is wrong, and you have been notified. Keeping this inaccurate information on my report violates the Fair Credit Reporting Act and your role as a credit reporting agency. Please delete this incorrect information from my report immediately. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: TX

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 2025-01-28 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: NV

Complaint narrative:
L am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fee I have incurred. Despite having Sufficient funds when transactions were authorized. I was charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transaction 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 2025-01-28 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:
I am writing to dispute inaccurate late payment reporting on my credit report for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have never had any late payments, and the reported information is incorrect. This inaccurate reporting is negatively impacting my credit profile and does not reflect my payment history. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and the removal of these incorrect late payment records from my credit report. Thank you for addressing this matter promptly. If you require any additional documentation or details, please contact me directly.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Discover bank reporting inaccurate information in my credit file. This account was in litigation, and settled in court, but Discover bank continue to report wrong information to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: 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:
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 : XXXX XXXX - XXXX, DPEDXXXX XXXX XXXXXXXX, DPEDXXXX XXXX XXXXXXXX, DPEDXXXX - XXXX, DPEDXXXX XXXX XXXXXXXX, XXXX - XXXX, DPEDXXXX - XXXX, DPEDXXXX XXXX XXXXXXXX, DPEDXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with non-monetary relief