vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: OH

Complaint narrative:
Credit Control LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is major fraud and I demand that they stop and delete all of my information because they don't have permission to use it. They can't provide me with the original copy of the contract they say I owe. Plus I never lived at that address!!! 

This extends to the following companies as well. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-02-04 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against XXXX XXXX XXXX for FCRA Violations Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX XXXX XXXX regarding their reporting of inaccurate and unverifiable information on my credit report. Under 15 U.S. Code 1681o, I have the right to ensure the accuracy of reported information and to seek remedies for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ). 

Despite my requests, XXXX XXXX XXXX has failed to provide proper validation of the alleged debt they claim I owe. Specifically, I have requested : Proof of the validity of this debt, including a detailed breakdown from the original creditor and any agreements bearing my signature. 
Documentation proving XXXX XXXX XXXX has the legal right to collect this debt, including a proper chain of custody. 
Verification that the account has been accurately reported, as required by the FCRA. 
As of today, XXXX XXXX XXXX has not provided the necessary validation, yet they continue to report this account negatively on my credit file. If this information can not be verified, the FCRA mandates that it be removed from my credit report. 

I am requesting the CFPB to investigate this matter and hold XXXX XXXX XXXX accountable for any violations. If they have failed to comply with federal laws, I expect appropriate enforcement action, including the removal of this unverified account from my credit report. 

I appreciate your attention to this matter and look forward to your prompt response. Please keep me informed of any updates regarding this complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc.
State: AZ

Complaint narrative:
Debt collect called from XXXX  saying i owed a medical debt of XXXX dollars. Told me on the recorded line that the settlement amount is XXXX dollars. I agreed to XXXX and verified via recorded line that XXXX dollars was what I was paying. The collector agreed and stated that was all I was paying. I checked my account and the full amount was paid. The debt was unpaid by my ex wife but since I provide insurance it falls under my name. No receipt or paperwork was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: PA

Complaint narrative:
Please take action to block and remove the unauthorized accounts from my credit report as soon as possible. I did not authorize or create these accounts and do not recognize them. Under USC 1681g, I formally request their removal within 15 days. Supporting documents are included for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
Please take action to block and remove the unauthorized accounts from my credit report as soon as possible. I did not authorize or create these accounts and do not recognize them. Under USC 1681g, I formally request their removal within 15 days. Supporting documents are included for your reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 explanation
Consumer complaint received 2025-02-04 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: NC

Complaint narrative:
I am writing to file a complaint against Navy Federal credit Union Regarding multiple overdraft fees I have incurred. Despite having funds when transactions were authorized I was charged fees due to lag posting of credits and charges. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transaction settled with insufficient balances despite initially available. I believe these practices are unfair. And request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
There's 2 inquiries I didn't authorize and don't recognize. Which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report by equifax shows as my name XXXX XXXX XXXX XXXX which is incorrect, I request last year to remove it and I prove that was wrong sending them my social security number, my driver License and all documents they ask me to send and they never correct it. Also my date of birth is incorrect, it appears XX/XX/1989 and my date of birth is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 2025-02-04 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I noticed other inquries such as chase inquiries for their credit cards and these auto loans finance which is XXXX  XXXX and XXXX XXXX which happen XXXX, that I never applied for ( JPMCB ) it happen on XX/XX/year> and XX/XX/year>. I contacted chase about this before and told me they couldn't do anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute inaccurate reporting on my credit report regarding the following account : Creditor : XXXX Account Number : XXXX Dispute Reasons : Incorrect charge-off reporting : The account was charged off in XX/XX/XXXX, but it continues to report charge-offs every month in XXXX and XXXX, which is inaccurate. 

Incorrect balance reporting : The report states a {$10000.00} balance, yet the charge-off amount was {$30000.00}. If the debt was sold or settled, the balance should be updated accordingly. 

Incorrect removal date : If the first delinquency was before XX/XX/XXXX, the account should be removed earlier than XX/XX/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 2025-02-04 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 to dispute inaccurate reporting on my credit report regarding the following account : Creditor : XXXX Account Number : XXXX Dispute Reasons : Incorrect charge-off reporting : The account was charged off in XX/XX/XXXX, but it continues to report charge-offs every month in XXXX and XXXX, which is inaccurate. 

Incorrect balance reporting : The report states a {$10000.00} balance, yet the charge-off amount was {$30000.00}. If the debt was sold or settled, the balance should be updated accordingly. 

Incorrect removal date : If the first delinquency was before XX/XX/XXXX, the account should be removed earlier than XX/XX/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 2025-02-04 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: CA

Complaint narrative:
I am listing 6 inquiries fraudulent from my Transunion credit report. XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. The listed inquiries do not belong to me and must be removed from my Transunion credit report. I had a call with the company and the credit reporting agency advised me to fill out identity theft report for deletion. I am requesting Transunion to mark listed inquiries as a fraudulent and remove from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- | 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted Transunion. Please delete the following accounts. 
XXXX XXXX {$460.00} XXXX  XXXX XXXX  {$1000.00} XXXXXXXX {$79.00}

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 2025-02-04 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Email : XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) 1700 G Street NW Washington, D.C. 20552 Subject : Complaint Against Consumer Disputes Reinvestigation in Progress for FCRA Violations Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Consumer Disputes Reinvestigation in Progress regarding their reporting of inaccurate and unverifiable information on my credit report. Under 15 U.S. Code 1681o, I have the right to ensure the accuracy of reported information and to seek remedies for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ).

Despite my requests, Consumer Disputes Reinvestigation in Progress has failed to provide proper validation of the alleged debt they claim I owe. Specifically, I have requested : Proof of the validity of this debt, including a detailed breakdown from the original creditor and any agreements bearing my signature.

Documentation proving Consumer Disputes Reinvestigation in Progress has the legal right to collect this debt, including a proper chain of custody.

Verification that the account has been accurately reported, as required by the FCRA.

As of today, Consumer Disputes Reinvestigation in Progress has not provided the necessary validation, yet they continue to report this account negatively on my credit file. If this information can not be verified, the FCRA mandates that it be removed from my credit report.

I am requesting the CFPB to investigate this matter and hold Consumer Disputes Reinvestigation in Progress accountable for any violations. If they have failed to comply with federal laws, I expect appropriate enforcement action, including the removal of this unverified account from my credit report.

I appreciate your attention to this matter and look forward to your prompt response. Please keep me informed of any updates regarding this complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
Early Warning Services ( Zelle ) failed to protect me a consumer against malicious attacks and fraud, from my bank account. 

Starting from XXXX of XXXX throughout XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: OH

Complaint narrative:
Insurance paid {$1400.00} XX/XX/XXXX XXXX  dated XX/XX/XXXX states that I owe {$460.00} I paid {$460.00} on XX/XX/XXXX XXXX XXXX says claim is paid in full per State regulations Emergency Care Act Superior Ambulance of Ohio turned this into XXXX Debt Collecters I have emailed XXXX XXXX several times and they state the balance is due. I have forwarded them copies of the Ohio law concerning balance billing and Out-of-network care reimbursement requirement but received no response. 

Then I received notification today from the debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These Hard inquiries are hurting my ability to obtain credit. It's my understanding that you will investigate these items for me to ensure accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: IL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX Account XXXX XX/XX/XXXX {$39000.00} XXXX XXXX  Account XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XX/XX/XXXX Inquiry XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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