vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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: PA

Complaint narrative:
I put my phone number into a system called forwarn It has a report of identity theft of my name associated with the phone number. I filed a fraud report with the FTC and want all the information that is not mine removed from the report. I filed XXXX identity theft reports with the ftc on both culprits, XXXX XXXX and XXXX XXXX. I also am uploading the signed affidavit and police report number. 

I sent letters to all XXXX company 's reporting the fraud and copyright notices also... this matter is affecting my livelihood and I pray for quick resolution from the agencies. It is XXXX that says they can not do this.

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 2025-03-12 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-12 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: SC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$170.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$12000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$10000.00} XXXX XXXX XXXX  - XX/XX/XXXX - {$1400.00} XXXX - XXXX - XX/XX/XXXX - {$230.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$750.00}

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 non-monetary relief
Consumer complaint received 2025-03-12 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: MD

Complaint narrative:
I am writing to follow up on my previous dispute regarding inaccuracies on my credit report. Despite my previous requests, the following erroneous accounts continue to be reported incorrectly, causing undue harm to my financial stability, XXXX health, and overall well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: MD

Complaint narrative:
I am writing to follow up on my previous dispute regarding inaccuracies on my credit report. Despite my previous requests, the following erroneous accounts continue to be reported incorrectly, causing undue harm to my financial stability, XXXX health, and overall well-being.

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 2025-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Bank of America In XX/XX/year>, I was diagnosed with a XXXX XXXX. I notified Bank of America my situation immediately to let them know I would be struggling to make payments on a vehicle I have with them and maintain current status while I went through XXXX, XXXX  etc.. and out of work for a bit. They assured me at that time they would suspend late fees and all credit reporting. None of this has been done. I cancelled the vehicle warranty of {$3500.00} to cover payments. the money was to cover payments while I was out. they received the check, applied it to principle so they could continue to bill fees, apply interest and ding my credit through the whole process. I contacted them several times to resolve this issue. They still continue send letters, phone calls and somewhat harass me to get this account current. Nothing has been done from their end to correct this. 
Its bad business to continue to kick someone while theyre going through this. Not looking for sympathy, just want others to know how Ive been treated from Bank of America.

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 2025-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: LA

Complaint narrative:
On XXXX XXXX I ordered XXXX Buffalo wings from XXXX XXXXXXXX that costed {$27.00} and when the dasher ( because XXXX dashers pick up the orders at XXXX XXXXXXXX ) got to little XXXX ( I know because I was tracking my order I dont play about my food ) my order was cancelled and then I call someone from delivery support and a woman told me that after the dasher was there my order was cancelled and I would get a refund within 2-3 business days its been more then 2-3 business days and so I did a dispute on cash app because I used my cash app card to make the transaction and they denied my dispute 3 times and I provided proof each time showing I didnt get my food nor my refund and all they are saying is that due to their investigation it determined them to believe that the merchant fulfilled their obligations and all I want is my {$27.00} back thats it and they act like its hard to believe that I didnt get my food or that I didnt get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-12 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX 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 explanation
Consumer complaint received 2025-03-12 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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:
XXXX XXXX XXXX, Navy Federal engaged in unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 when it charged overdraft fees on debit-card purchases and ATM withdrawals when consumers accounts had insufficient funds at the time the transactions settled even though they had sufficient funds when they made the transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Debt Validation Demand Notice of Legal Rights Invocation To Whom It May Concern : This letter serves as a formal demand for debt validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Uniform Commercial Code ( UCC ) 9-208, and 18 U.S.C. 894 regarding extortionate credit transactions. This is not a refusal to pay but a demand that you provide full legal validation of the alleged debt you claim I owe. Absent such validation, you must immediately cease all collection activities and remove any derogatory information related to this matter from my credit reports.

DEMAND FOR FULL DEBT VALIDATION Under 15 U.S.C. 1692g, you are required to provide verification of the debt, including but not limited to : 1. Proof of Ownership
A certified copy of the original creditors agreement and clear evidence that LVNV Funding LLC has a legal right to collect this alleged debt.

2. Complete Accounting Breakdown A detailed itemization of the original balance, all fees, interest, payments made, and the justification for any additional charges imposed.

3. Chain of Assignment Unbroken documentation proving lawful assignment of the debt from the original creditor to each subsequent owner, ending with LVNV Funding LLC.

LEGAL OBLIGATIONS UNDER UCC 9-208 Under UCC 9-208, you are required to verify the accuracy of the security interest claimed in this transaction. You must furnish : A complete and accurate accounting of the collateral, if applicable. 
Documentation establishing that LVNV Funding LLC holds a valid and enforceable interest in this alleged debt. 
WARNING OF POTENTIAL FEDERAL VIOLATIONS Under 18 U.S.C. 894, any attempt to collect an alleged debt using unlawful means, threats, or coercion constitutes a federal crime. Should LVNV Funding LLC fail to properly validate this debt or continue collection efforts without adequate documentation, such actions may be construed as deceptive, unfair, or even extortionate, exposing your company to legal consequences.

DEMAND FOR IMMEDIATE ACTION You are hereby instructed to : Provide the legally required validation within 30 days of receipt of this notice. 
Cease all collection efforts, including reporting to credit agencies, until such validation is provided. 
Refrain from any further attempts to collect if you can not lawfully validate the debt. 
Failure to comply will result in immediate legal action, including but not limited to complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential litigation. 
This letter serves as notice of my rights and demands strict compliance with the law. Govern yourselves accordingly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX noticed XXXX my credit report changed due to having fraudulent activities after ftc report # XXXX files in XXXX - fraudulent account on the credit report XXXX for XXXX XX/XX/year> -charges on account XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Injuries following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Consumer Under FCRA and the regulation Z current FTC Report highlighting I've been ignored about clearing the following FTC # XXXX My first and only Name should be XXXX XXXX XXXX there are not open account on XXXX and have been linked to Fraudulent activity I have notified all major credit buraus of this I would like to take note that in opportunity 's and not addressing and the appropriate timing and affect interest rates in my life and that results multiple USC code violations thru the FCRA and FCA transunion XXXX XXXX XXXX have continued to ignore

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 2025-03-12 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: GA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-03-12 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 2025-03-12 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: FL

Complaint narrative:
These accounts do not belong to me. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$720.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX BALANCE {$690.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX {$50.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$480.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX BALANCE {$460.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$880.00} XXXX XXXX XXXX XXXX XXXX  XXXX BALANCE {$590.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX  BALANCE {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$0.00}

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 2025-03-12 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: SC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Subject : Formal Complaint & Intent to Sue Equifaxs Failure to Provide My Credit Report & Scores To Whom It May Concern, I am filing a formal complaint against Equifax for its ongoing failure to provide me with my legally entitled credit report and scores, despite my repeated attempts to verify my identity. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681g, I have the right to access my consumer report upon request, yet I have been denied this right since XXXX [ XXXX ]. 

I have taken all necessary steps to verify my identity, including submitting the requested documentation, yet Equifax continues to block my access without justification. This failure has severely impacted my ability to monitor my credit, detect potential fraud, and dispute inaccuracies. Equifaxs actions constitute a willful violation of federal law, and I am prepared to take legal action to enforce my rights.

Legal Violations by Equifax : 1. Failure to provide my credit report upon request Violation of 15 U.S.C. 1681g ( a ), which mandates that consum
er reporting agencies furnish a copy of a consumers credit file upon request.

2. Unlawful denial of access to my credit file Violation of 15 U.S.C. 1681j ( a ), which entitles me to a free annual credit report.

3. Failure to follow reasonable procedures to ensure accuracy and fairness Violation of 15 U.S.C. 1681e ( b ).

4. Willful and negligent noncompliance with the FCRA Violation of 15 U.S.C. 1681n ( willful violations ) and 15 U.S.C. 1681o ( negligent violations ), both of which provide for statutory damages, attorneys fees, and punitive damages. Demands for Resolution : 1. Immediate access to my Equifax credit
report and credit score as required by law.

2. A written explanation for the continued denial of my access, including details of any erroneous blocks placed on my account.

3. Compensation for damages incurred due to Equifaxs violations, including but not limited to statutory and punitive damages as permitted under 15 U.S.C. 1681n.

Intent to File Lawsuit Against Equifax : If Equifax fails to comply with federal law and provide me with my credit report within 15 days of receipt of this complaint, I will proceed with a lawsuit against Equifax for willful and negligent noncompliance with the FCRA. Additionally, I will file complaints with : The Federal Trade Commission ( FTC ) My states Attorney Generals office The XXXX XXXX XXXX XXXX XXXX XXXX  I urge the CFPB to take immediate action to investigate Equifaxs illegal conduct and hold them accountable for their failure to comply with consumer protection laws. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: FL

Complaint narrative:
Im writing for the disputing of XXXX negatives marks on my credit of XX/XX/year> XXXX XXXX XXXX XXXX XXXX being place on my credit in the collections. Owed for {$1100.00} XXXX is collection of XXXX XXXX XXXX  of {$2000.00} Ive disputed & contacted everyone the best. THEIRS STILL NO CHANGE OR IMPROVEMENT OF CHANGE. IM IN NEED OF HELP! I AM TRYING TO BETTER MY CREDIT!!

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 2025-03-12 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: NJ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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