vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX Subject : Request for Deletion of Paid and Closed Account Due to Negative Impact on Credit Score Dear XXXX XXXX XXXX XXXXXXXX , I am writing to dispute the information reported regarding my account with your bank. This account, opened on XX/XX/XXXX, has been paid off and closed, with a XXXX balance. However, despite the account 's closure and balance resolution, it continues to be reported as affecting my credit score, which is an unfair and incorrect representation of my credit history. 

Reported Balance : {$0.00} Account Status : Paid and Closed Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Amount Past Due Reported : XX/XX/XXXX This account is continuing to negatively impact my credit score, even though there is no remaining balance and the account is closed. According to the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be completely removed from my credit reports due to the fact that it is inaccurately reflecting a past-due status and harming my credit. 
I kindly request that you promptly delete this account from all credit reporting agencies. Please provide proof of its removal within 30 days, as the current status is severely affecting my credit score and hindering my financial progress. 
I look forward to receiving confirmation of this removal in writing within the stipulated time frame. 
Thank you for your prompt attention to this matter.

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 2025-01-21 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: VA

Complaint narrative:
my credit report was hurt by the equifax data breach,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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:
I am filing this complaint against XXXX for failing to comply with multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( a ) ( 5 ), and 15 USC 1681c ( c ). XXXX has repeatedly failed to properly investigate errors on my credit report and has not corrected or removed inaccurate information despite my multiple disputes. Their actions have caused significant harm to my creditworthiness, limiting my access to credit, employment, and housing opportunities. 

Violations : 15 USC 1681e ( b ) : XXXX has failed to maintain accurate information in my credit report. 

15 USC 1681s-2 : XXXX has failed to ensure furnishers are correcting inaccurate information. 

15 USC 1681i ( a ) ( 5 ) : XXXX did not correct or delete inaccurate information after my disputes. 

15 USC 1681c ( c ) : XXXX continues to report outdated and obsolete negative information. 

3. Harm Caused : These errors have resulted in [ denied credit applications, higher interest rates, loss of housing opportunities, etc. ]. 

The process has caused unnecessary stress, wasted time, and financial losses.

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 2025-01-21 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: NY

Complaint narrative:
I am filing this complaint against XXXX for failing to comply with multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( a ) ( 5 ), and 15 USC 1681c ( c ). XXXX has repeatedly failed to properly investigate errors on my credit report and has not corrected or removed inaccurate information despite my multiple disputes. Their actions have caused significant harm to my creditworthiness, limiting my access to credit, employment, and housing opportunities. 

Violations : 15 USC 1681e ( b ) : XXXX has failed to maintain accurate information in my credit report. 

15 USC 1681s-2 : XXXX has failed to ensure furnishers are correcting inaccurate information. 

15 USC 1681i ( a ) ( 5 ) : XXXX did not correct or delete inaccurate information after my disputes. 

15 USC 1681c ( c ) : XXXX continues to report outdated and obsolete negative information. 

3. Harm Caused : These errors have resulted in [ denied credit applications, higher interest rates, loss of housing opportunities, etc. ]. 

The process has caused unnecessary stress, wasted time, and financial losses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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:
These accounts listed below needs to immediately be removed off of my credit reports as they are a result from me being a XXXX XXXX victim I will attach all required documents 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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see 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 non-monetary relief
Consumer complaint received 2025-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

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 2025-01-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
I am writing to formally request the following documents related to my account : Accounting Summary : A detailed summary of the accounts activity. 
Statements : A full set of statements for the past [ X ] months. 
Balance Details : The current balance and any outstanding fees. 
Agreement/Contract : A copy of the original agreement or contract related to this account. 
This is my first request for these documents. I am requesting these items to verify the details of my account and to ensure accuracy. I would appreciate it if you could send these documents promptly or provide instructions on how to access them. 

If you are unable to provide the requested documents or if there are any issues with fulfilling this request, please notify me in writing and provide an explanation. 

I would appreciate a timely response within the CFPBs standard timeframe.

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 2025-01-21 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: NC

Complaint narrative:
Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-21 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX Account Number : XXXX Balance : {$5200.00} Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$19000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$32000.00} Account Name : XXXX Account Number : XXXX Balance : {$970.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$15000.00} Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$15000.00} XXXX INQUIRY : XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: General Motors Financial Company, Inc.
State: AL

Complaint narrative:
This company hired by XXXX is back to harassing me via phone calls. They are calling about Americredit Financial Services from a XXXX loan. I filed a complaint with you on XX/XX/XXXXXXXX  and it's close to a year now and they are still calling. The company is threatening legal action again. The first person left a voicemail and her name was XXXX XXXX. The other lady was very rude and her name is XXXX XXXX. The number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: GA

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 2025-01-21 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: TX

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: MO

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 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 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have had a Citibank account for more than 7 years. 
Last XXXX, I changed my mail address from XXXX  to XXXX. I asked to issue a new credit card because I had lost it. This triggered a FRAUD alert at the bank. They blocked web access and credit card transactions on XX/XX/XXXX. 
I called the bank several times with my secret code, my phone number, passport number, secret questions, etc. But the bank won't unblock my account. I even have the first receipt of the US {$2500.00} deposit made in XX/XX/year>. 
I must have called the bank about 20 times. I sent an e-mail to XXXX XXXX, my account manager. I tried calling the branch. No response. 
I had medical appointments in XXXX in XXXX. Being unable to use the funds to pay the bills created several personal problems for me. 
Please help me unblock my account.

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 2025-01-21 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 2025-01-21 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX ending in # XXXX was closed on XX/XX/year> due to me missing payments that were due to the death of my mother. As of the date of this inquiry, despite me disputing it as closed, they continue to report the account as open to further damage my credit despite me attempting to rectify it with them. I have disputed it on my XXXX, XXXX and Trans Union reports, XXXX now reports it accurately. This is a blatant attempt to damage my score. I simply want them to report it accurately as closed.

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX ending in # XXXX was closed on XX/XX/year> due to me missing payments that were due to the death of my mother. As of the date of this inquiry, despite me disputing it as closed, they continue to report the account as open to further damage my credit despite me attempting to rectify it with them. I have disputed it on my Experian, XXXX and XXXX XXXX reports, XXXX now reports it accurately. This is a blatant attempt to damage my score. I simply want them to report it accurately as closed.

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 2025-01-21 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:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
Ive had account closed and had no customer service representative to contact I had XXXX dollars in an account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: OH

Complaint narrative:
I recently review a copy of my credit report and I notice i have some fraudulent accounts on my report. remove these accounts from my report they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation