vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Progrexion Holdings, Inc.
State: NY

Complaint narrative:
I am filing this complain regarding an inaccurate item on my credit report that continues to negatively impact my credit, despite my efforts to resolve this directly with reporting agency it remains unresolved this directly. I request immediate investigation and removal of these items as it is incorrect and dont not reflect my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The XXXX XXXX XXXX account was removed from my XXXX credit report. Please remove from my Equifax credit report and XXXX credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These are the accounts that I have marked as inaccurate, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These are the accounts that I have marked as inaccurateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: 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:
I am writing to formally dispute the bankruptcy reporting associated with my name and identifications. It has come to my attention that the credit reporting agencies are reporting an alleged bankruptcy, which I believe to be inaccurately attributed to me. Under the Fair Credit Reporting Act, ( FCRA ), I am requesting that you verify whether this bankruptcy is correctly matched to my personal information. As you are aware, the FCRA requires that all the information reported by the consumer reporting agencies be accurate and verifiable. If you can not prove documentation proving that this bankruptcy is accurately matched to me, it is your obligation under the law to immediately delete this information from my file. Inaccurate or unverifiable information must be removed within 30 days of my dispute, per FCRA guidelines. Failure to correct or verify this information constitutes defamation of character and identity theft. If you fail to act, your willful non-compliance will cause me no choice but to pursue legal action. Please update me with the results of the investigation and immediate deletion. How can this bankruptcy be verified when XXXX has already deleted the account ( See attachments ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Dear Sir or Madam, I am writing to dispute the accuracy of the following accounts and inquiries appearing on my credit report with TransUnion. These items are not related to any transactions I have authorized and are the result of identity theft. 

Accounts to be removed : 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  : XX/XX/year> ) Please block these items from my credit report pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ) and notify the furnishers of these items regarding this dispute.

Enclosed, you will find the following documents to support my claim : A copy of my Identity Theft Report and proof of identity.

A copy of Section 605B of the FCRA for reference.

Thank you for addressing this matter promptly. I look forward to your confirmation that these items have been removed. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Hello, Iam seeing that capital one is being sued for lying to customers regarding a cd account and stole a lot of interest fees. I had an account mentioned in the suing process and would like to know know how to get compensated back. I have evidence of the account I had what is the process to proceed? can someone please call me XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
I Disputed with all three credit bureaus and XX/XX/XXXX# XXXX, I also mail a validation letter to the company as well as all three bureaus XXXX, XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>. I requested a charge back from XXXX. One of the XXXX  rented my family of 35 people a house. We are from XXXX XXXX and we went for XXXX  busy week. On arrival from our long trip there we started to cook there were roaches falling from the vent onto our food. I reached out to the host who said he would spray with a house full of people with no where to go because we are from out of town. I told him there were several asthmatics in the home so he would have to make arrangements for us to be out somewhere because we had no where to go and it was 35 of us and this should have been handled before we came. He didnt give us any other options so that the home could be sprayed so now 35 persons have all this food bugs are getting into and all he wants to do is spray? What about changing the home so our family could be comfortable. Now I have 35 people where food has to be stored in a home with roaches and severely allergic individuals now our holiday after losing my mom is ruined. I dispute the XXXX with Bank of America. I havent heard anything since 40 days ago. The rest was with XXXX XXXX which wont charge back at all. We should not have to pay over XXXX for pure inconvenience and infestation. Its very unfair that in the description it didnt say the kitchen had roaches I have a few photos which I sent to the host which he replied that those are XXXX  XXXX bugs which he has XXXX XXXX to take care of. But I feel it is also his responsibility to make sure its being done. You cant rent a home with an infestation. That is a health hazard restaurants get closed down for such disgrace.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Dear Sir or Madam, I am writing to dispute the accuracy of the following accounts and inquiries appearing on my credit report with Equifax. These items are not related to any transactions I have authorized and are the result of identity theft. 

Accounts to be removed : 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  ( Date : XX/XX/year> ) Please block these items from my credit report pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ) and notify the furnishers of these items regarding this dispute.

Enclosed, you will find the following documents to support my claim : A copy of my Identity Theft Report and proof of identity.

A copy of Section 605B of the FCRA for reference. 


Thank you for addressing this matter promptly. I look forward to your confirmation that these items have been removed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service 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 an address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I writing to file a complaining 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 were 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 2025-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Received a notice that my debt was sent and paid off by a collector but not a notice or anything about an attempt to pay this debt. Wasnt able to pay through the app in over 1-year time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
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 and crimes which antedates the report by 7 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 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. 
Account name : XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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, states a consumer reporting agency cant furnish an account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

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. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled 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 2025-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
place a phone call to have their remove this item and my credit account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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.Futhermore, their deceptive, as they did not comply with error resolution requirments 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 violation,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
EQUIFAX INFORMATION SERVICES LLC, is Violation 0f 15 U.S CODE I68IN-CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE, 15 U.S CODE i68io-civil liability for negligent noncompliance, 15 U.S. Code 1692 ( c ), EQUIFAX INFORMATION SERVICES LLC REFUESSES TO SEND ME THE AGREEMENT BETWEEN THEM & XXXX XXXX XXXX SHOWING WERE XXXX XXXX XXXX GAVE PERMISSIBLE PERMISSION FOR EQUIFAX INFORMATION SERVICES LLC TO OBTAIN ANY CREDIT INFORMATION FROM THE CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX XXXX CREDIT RATEING AND SCORE IS GRANTED BY FULL FAITH AND CREDIT ARTICLE IV, SECTION XXXX OF THE UNITED STATES CONSTITUTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im Respectfully Requesting that the credit bureau remove the late payment reflecting on my credit report with XXXX in XX/XX/scrub> 2024. I spoke to a representative in the credit department with XXXX 's, Consumer stated that there company do not report 30 day late payment they only report 60 days late i was told to dispute this late payment with the credit bureau the information that is reported as late is inaccurate if this late payment is not removed from my credit i will report this to the Im with auto pay on all my accounts. 
I have never been late on any of my payments with any my bills, also there inquiries not not Authorized by me which appears on my credit please remove them as well Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im Respectfully Requesting that the credit bureau remove the late payment reflecting on my credit report with XXXX in XX/XX/scrub> 2024. I spoke to a representative in the credit department with XXXX 's, Consumer stated that there company do not report 30 day late payment they only report 60 days late i was told to dispute this late payment with the credit bureau the information that is reported as late is inaccurate if this late payment is not removed from my credit i will report this to the Im with auto pay on all my accounts.

I have never been late on any of my payments with any my bills, also there inquiries not not Authorized by me which appears on my credit please remove them as well Thank you

Company response to consumer: Closed with explanation