vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX Date : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Violation of the Fair Credit Reporting Act and Request for Removal of Accounts Dear Experian, I am writing to formally address serious concerns regarding my credit report and the handling of my dispute. As you are aware, under the Fair Credit Reporting Act ( FCRA ), Experian is obligated to maintain accurate and fair credit reporting for all consumers. Specifically, the law mandates that credit reports must be accurate, complete, and updated regularly. 

I am invoking my rights under 15 USC 1681e ( b ), which requires that you maintain reasonable procedures to ensure the accuracy of information in consumer credit reports. In addition, 15 USC 1681i ( a ) dictates that you must conduct a reasonable investigation of any disputes I submit and correct or remove any inaccurate or incomplete information. Unfortunately, Experian has failed to comply with these requirements in my case.

I have submitted a dispute over a month ago, and your failure to respond or address the inaccuracies within a reasonable time frame is a direct violation of the FCRA. Specifically, I request that you remove the following accounts and inquiries from my credit file, as they are inaccurate and have not been properly investigated : Accounts to be removed : XXXX XXXX XXXX XXXXXXXX XXXX Hard Inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, I have become aware of the recent CFPB lawsuit against Experian, which highlights a documented history of neglecting consumers ' rights by failing to properly investigate errors or remove inaccuracies from credit reports. Your history of non-compliance with the FCRA only further validates my concerns about the accuracy and integrity of my credit file. 

I request that you immediately conduct a reinvestigation, as required by the law, and remove these items from my credit report. Failure to address these violations and properly investigate my dispute will leave me with no choice but to seek further action to ensure compliance with the Fair Credit Reporting Act. 

Please provide me with a written confirmation of the actions taken in response to this dispute within 30 days, as per the FCRA guidelines. I expect full compliance with the law and an accurate reflection of my credit history. 

Thank you for your prompt attention to this matter. Please send an updated copy of my credit report once you have removed these accounts, Thank You. 

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 2025-01-30 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  Account Number : 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 2025-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
About eleven years ago, I received a home mortgage from RBFCU ( Randolph Brooks Federal Credit Union ). They required that I " join '' the credit union by opening a savings account with {$1.00} in it. Not a problem. 

A few days ago, I received a letter threatening me with fines for inactivity on the savings account. Okay, I don't use it and don't want it. So, I called them up today ( XX/XX/year>XXXX  ) and asked to close the account. They refused on grounds that I have a mortgage with them. I do not believe this is legal. 

The threatening letter is attached as is the fee schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
For the second time when I make a large payment on my bill, Citicard lowers my credit limit to a smaller amount and takes the payment. Citicard says that they based the lowered credit limit on my credit score, but I did not give anyone permission to check my credit score at free will.

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX. I would like to file a report against XXXX XXXX and the Cash app operated by XXXX XXXX for cybercrime, harassment, and life-threatening activities. XXXX XXXX is a hacker who uses anonymous business names, different websites, and email addresses to sell exam hacking, XXXX  hacking, XXXX text message hacking, and XXXX record removal on XXXX, XXXX, XXXX, and XXXX. XXXX XXXX phone number is XXXX. XXXX XXXX has many email addresses, including XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. XXXX XXXX operates a websiteXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to sell his hacking software. XXXX XXXX had worked as an IT support for many social media and exam software companies before and stole exam decryption software from his former employers. XXXX XXXX asked people to pay him through scanned copies of XXXX gift cards or bitcoins and threatened people to pay him and avoid his cybercrime liabilities ; otherwise, he would report them to the local police departments, their schools, testing agencies, and spouses and expose their personal information online. 

On XX/XX/XXXX, at XXXXXXXX XXXX, I paid XXXX XXXX {$990.00} through bitcoins on the Cash app and {$3.00} in service fees for this transaction. The identifier ID is # XXXX. The transaction ID is XXXX. I texted and called Cash App customer support to report this scammer on XXXX XXXX, XXXX, and XXXX XXXX, XXXX. However, the customer support representative told me that Cash App is not able to stop the transaction and can not provide me with any refund. I also explained that I would like to report his scammer, and the customer support representative told me that Cash App is not able to identify the name and contact information of the recipient of the bitcoins. I know Cash App requires all users to provide an individuals name, social security number, and debit card information to register an account. XXXX XXXX informed me that the software did not work and asked me to email him the scanned copies of {$2000.00} worth of XXXX gift cards and the receipts on XXXX XXXX, XXXX. 

On XX/XX/XXXX, XXXX XXXX, XXXX XXXX emailed me through a XXXX account, XXXX, threatened me, and asked me to pay him with bitcoins. On XX/XX/XXXX, XXXX XXXX, XXXX XXXX emailed me through a XXXX account, XXXX, threatened me, and asked me to pay him with bitcoins again. 

Please help me contact Block , Inc. for a refund of the full amount. If you need me to provide more information, please call me at XXXX or email me at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: CA

Complaint narrative:
**Edfinancial Services** Customer Resolutions Unit **Subject : ** Formal Dispute Proof of Ownership and Authority Over my student loan. 
Dear XXXX XXXX, I am formally disputing your involvement in my student loan account I never borrowed a student loan from XXXX, nor have I ever entered into any agreement with your company. Despite this, you continue to report information about this account on my credit file. I demand that you provide me with clear and verifiable proof that you have legal authority over this account. Specifically, I am requesting the following : 1. **Proof of Ownership : ** Documentation that demonstrates XXXX is the rightful servicer or owner of this account. 
2. **Legal Authority : ** A copy of any agreement, contract, or authorization that legally grants you the right to service this account. 
3. **Account Records : ** Any records, statements, or transaction history proving your involvement with this account from its inception. 
If you fail to provide the requested documentation, your continued reporting and handling of this account will be a clear violation of federal law, including the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. I take this matter very seriously and will escalate my complaint to the highest level of authority, including the additional complaint With the Consumer Financial Protection Bureau ( CFPB ), the U.S. Department of Education, and any other relevant regulatory bodies. 
Please provide the requested documents within **15 days** of receiving this letter. If you fail to comply, I will take further legal and regulatory action against your company. 
Sincerely, XXXX XXXX XXXX Social Security 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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Good day!

I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: TX

Complaint narrative:
I am contacting Transunion in regards to the recent response to my CFPB Complaint # XXXX. I will now be seeking damages and will be hiring a lawyer as I have made several attempts to have the account removed ( XXXX XXXX XXXX ). By Law, Transunion has not properly provided verification of method of verification. This is well over the 15 day window allowable according to FCRA. I will be seeking damages and reporting this to the attorney general and seeking damages as this is a violation of my rights.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
USAA denied me auto insurance coverage but refuses to provide a clear reason or underwriting criteria. Their denial letter referenced three accidents marked as 'N/A, ' meaning they should no longer impact eligibility under USAAs stated lookback period. Despite this, USAA still counted them as reasons for denial. 

When I asked USAA for a specific eligibility threshold, they refused to provide one. Instead, I was repeatedly told to 'keep trying ' for new quotes without any definitive explanation of when I would qualify again. USAA also stated that their underwriting guidelines are filed with the Alabama Department of Insurance but would not provide me access to them.

This raises concerns about whether USAA is : 1. Applying an undisclosed or extended lookback period beyond their filed underwriting guidelines.

2. Improperly using past claims history as an underwriting factor while failing to disclose it.

3. Engaging in non-transparent consumer reporting practices by withholding the actual criteria used for insurance eligibility. 

I am requesting that the CFPB require USAA to provide clear, written underwriting standards, explain how consumer report data is being used in eligibility determinations, and ensure that their underwriting practices comply with fair insurance regulations.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-01-30 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: MD

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW 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 non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Good day!

I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: MI

Complaint narrative:
i did a credit check to see about my file and noticed there are fraudulentt accounts on my file these need to be removed asap this is a VIOLATION of the law 15 USC 1681s-2 says nobody shall support to not furnish any information relating to a consumer reporting agency if the person knows or ha reasonable cause to believe that the information is inaccurate. these need accounts should be deleted and removed within 4 days of receiving this complaint Accounts XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$460.00} XXXX XXXX XXXX & XXXX Opened XXXX XXXX, XXXX Bal - {$560.00} XXXX XXXX XXXX Opened XX/XX/XXXX Bal- {$640.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Bal- {$690.00} XXXX XXXX XXXX Opened XX/XX/XXXX Bal- {$750.00} Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. They also have no permission to report ANYTHING using my info pursuant to 15 USC 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was looking for a low APR credit card and was told to look into CapitalOne. Their website : https : //www.capitalone.comXXXX  ; clearly shows that the XXXX XXXX XXXX is eligible for an into 15 months 0 % APR for purchase and transfer as advertised. I got pre-approved for the credit card and decided to apply for it on XX/XX/year>. 

Upon receiving the credit card, I called Customer Service today ( XX/XX/year>XXXX  ) to confirm that the 0 % APR for purchase and transfer for 15 months was in effect before I make any large transactions. They inform me that the XXXX XXXX card I applied for is not eligible for the 0 % APR as advertised. 

I would not have applied for this credit card if I knew that were the case.

Company response to consumer: Closed with explanation