vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Credit Reporting by TransUnion under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) Dear CFPB Representative, I am writing to formally dispute the inaccurate and erroneous information reported by TransUnion on my credit report. This reporting violates 15 U.S. Code 1681 under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate, complete, and verifiable information.

Upon reviewing my credit report, I have identified the following inaccuracies : Collections : TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : amount {$8600.00} Despite my previous efforts to resolve these inaccuracies directly with TransUnion, they remain unresolved. These errors are negatively impacting my credit score and financial standing, and they must be corrected immediately.

Under the FCRA, TransUnion is legally required to : 1. Ensure accuracy in its reporting ( 15 U.S. Code 1681e ( b ) ).

2. Conduct a reasonable reinvestigation of disputed information ( 15 U.S. Code 1681i ). 
I respectfully request that the CFPB intervene and conduct a formal investigation into TransUnions failure to comply with its statutory obligations. Furthermore, I request the immediate correction or removal of this incorrect information from my credit file.

Enclosed Supporting Documents : A copy of my credit report, with the disputed items highlighted.

Copies of all correspondence with TransUnion regarding this matter. 
Any supporting documentation proving the inaccuracy of the reported information. 
I kindly request a written response from both the CFPB and TransUnion detailing the results of the investigation and any corrective actions taken. If TransUnion fails to comply, I am prepared to escalate this matter further, including seeking legal remedies for damages caused by their reporting violations.

Additionally, I am submitting this complaint through the CFPBs official complaint portal ( www.consumerfinance.gov/complaint ) for timely processing. 
Please confirm receipt of this dispute and advise me on the next steps in the resolution process. 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 non-monetary relief
Consumer complaint received 2025-02-05 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: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Corp Solutions Inc.
State: PA

Complaint narrative:
a collection was charged off in XXXXXXXX XXXX XXXX not originally opened by me went delinquent in XXXX XXXX XXXX days Its been over XXXX years delinquent another company bought it and is calling my phone sending me fake court letters in mail which mentally im sick i feel like its intimidating knowing they cant do it i want to sue them for using false tactics to scare people Delete it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: PA

Complaint narrative:
a collection was charged off in XXXX XXXX XXXX  not originally opened by me went delinquent in XXXX XXXX  90 days Its been over four years delinquent another company bought it and is calling my phone sending me fake court letters in mail which mentally im sick i feel like its intimidating knowing they cant do it i want to sue them for using false tactics to scare people Delete it

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 2025-02-05 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: FL

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 2025-02-05 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 insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
I sent money on 14 separate occasions. All but 3 of the transactions were fine. During the 3 errant transactions the money was sent to the wrong person. I sent a request to the persons first to get the money back. When that wouldnt work I contacted XXXX XXXXXXXX XXXX ( who I was banking with at the time ) and Zelle. Neither institution would help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal 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 explanation
Consumer complaint received 2025-02-05 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: TX

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal 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 explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Child support is effecting my credit score in a major way and it didnt start off as a credit transaction I sent out dispute letters and never get it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: GA

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: PA

Complaint narrative:
a collection was charged off in XXXX XXXX XXXX  not originally opened by me went delinquent in XXXX XXXX  90 days Its been over four years delinquent another company bought it and is calling my phone sending me fake court letters in mail which mentally im sick i feel like its intimidating knowing they cant do it i want to sue them for using false tactics to scare people Delete it

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 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I'm filing this compliance against Cash App XXXX Block Inc ) due to inadequate customer service and lack fair practices which violates the consumer financial protection act. 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 funds transfer act. And regulations E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: IL

Complaint narrative:
I recentlly opened this account and now that I have over {$2000.00} in it, US Bank closed it and will not release. my funds. They are taking advantage of the fact that I am elderly and XXXX, unable to get to a branch. I need that money to pay my rent asap. US Bank offers no detailed explanation for the closure other than " suspicious activity ''. I am also low-income and retired. Can you help me get my money back, and tell me if US Bank regularly exploits the elderly and 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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc
State: AP

Complaint narrative:
I am writing to formally dispute a billing error on my account as permitted under the Fair Credit Billing Act. I recently reviewed my billing statement dated XX/XX/XXXX, and I noticed the following discrepancies : Description of the Dispute : COLLECTION AGENCY/ATTORNEY On XX/XX/XXXX, I was charged {$6600.00} for a transaction from XXXX XXXX XXXX which I did not authorize. 

Under the Fair Credit Billing Act, I have the right to dispute this charge and request an investigation into this matter. I request that you correct this billing error promptly. 

Please investigate this matter and if you find that the charge was made in error, I expect a prompt correction on my credit report. 

Thank you for your attention to this matter. I look forward to your swift response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: NC

Complaint narrative:
I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible. 

Please confirm receipt of this request and provide an update on the status of the deletions at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against the credit reporting agencies and the creditors involved for failing to respond appropriately to my dispute, which I originally submitted on XX/XX/2024. Despite my lawful request under the Fair Credit Reporting Act ( FCRA ) for full debt validation, I have yet to receive any documentation proving that I authorized these debts, including my signature or any agreement permitting these companies to collect debt under my name. 

I followed the proper dispute process by submitting certified dispute letters to TransUnion, Equifax, and Experian, specifically requesting : Verification of the alleged debts, including signed agreements proving my obligation to pay.

Immediate deletion of unverified or inaccurately reported accounts, as required by FCRA.

Correction or removal of any outdated, misleading, or unverifiable information.

However, as of today, I have not received any of the requested documents, nor have the disputed accounts been removed or corrected. This blatant disregard for federal law has not only caused unnecessary financial hardship but also continues to damage my creditworthiness, limiting my ability to secure loans, housing, and financial opportunities. 

FCRA Violations Committed : Failure to validate the debt under 15 USC 1692g ( b ) No proof has been provided that I legally owe these amounts.

Failure to correct or remove inaccurate information under 15 USC 1681i ( a ) The bureaus have failed to investigate and update my credit file within 30 days.

Failure to provide supporting documentation under 15 USC 1681s-2 The creditors have not substantiated their claims. 
Due to this non-compliance, I am formally requesting CFPB intervention to enforce the removal of these unverifiable accounts from my credit report. If the credit bureaus and creditors fail to take immediate corrective action, I will be left with no choice but to pursue legal action for willful non-compliance with the FCRA. 

I appreciate your urgent attention to this matter, as these errors have negatively impacted my financial stability. Please provide a formal response detailing the actions that will be taken to resolve my complaint. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: CA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against the credit reporting agencies and the creditors involved for failing to respond appropriately to my dispute, which I originally submitted on XX/XX/2024. Despite my lawful request under the Fair Credit Reporting Act ( FCRA ) for full debt validation, I have yet to receive any documentation proving that I authorized these debts, including my signature or any agreement permitting these companies to collect debt under my name. 

I followed the proper dispute process by submitting certified dispute letters to TransUnion, Equifax, and Experian, specifically requesting : Verification of the alleged debts, including signed agreements proving my obligation to pay.

Immediate deletion of unverified or inaccurately reported accounts, as required by FCRA.

Correction or removal of any outdated, misleading, or unverifiable information.

However, as of today, I have not received any of the requested documents, nor have the disputed accounts been removed or corrected. This blatant disregard for federal law has not only caused unnecessary financial hardship but also continues to damage my creditworthiness, limiting my ability to secure loans, housing, and financial opportunities. 

FCRA Violations Committed : Failure to validate the debt under 15 USC 1692g ( b ) No proof has been provided that I legally owe these amounts.

Failure to correct or remove inaccurate information under 15 USC 1681i ( a ) The bureaus have failed to investigate and update my credit file within 30 days.

Failure to provide supporting documentation under 15 USC 1681s-2 The creditors have not substantiated their claims. 
Due to this non-compliance, I am formally requesting CFPB intervention to enforce the removal of these unverifiable accounts from my credit report. If the credit bureaus and creditors fail to take immediate corrective action, I will be left with no choice but to pursue legal action for willful non-compliance with the FCRA. 

I appreciate your urgent attention to this matter, as these errors have negatively impacted my financial stability. Please provide a formal response detailing the actions that will be taken to resolve my complaint. 

Sincerely, 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 2025-02-05 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: NC

Complaint narrative:
I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible. 

Please confirm receipt of this request and provide an update on the status of the deletions at your earliest convenience.

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 2025-02-05 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: NC

Complaint narrative:
I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible. 

Please confirm receipt of this request and provide an update on the status of the deletions at your earliest convenience.

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