vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Complaint Regarding Deposit Error and Unauthorized Transactions Dear Truist Bank Team, I am writing to file a complaint regarding two issues I am currently experiencing with my account.

Deposit Credit Error : The first issue occurred when I made a deposit of {$3900.00} at a Truist ATM early in the morning before going to work. However, due to an error in the ATM system, only {$130.00} was credited to my account instead of the full {$3900.00}. I have attached the deposit receipt, which clearly shows the amount deposited, and I request that the missing funds be credited to my account as soon as possible. 

Disputed Unauthorized Transactions : The second issue involves several transactions on my account that I did not authorize. I was a victim of a robbery and assault in XXXX XXXX  XXXX, XXXX, where I was XXXX  and also XXXX XXXX. As a result, several transactions were made without my consent. I have submitted the relevant reports related to this incident, and I kindly request that the transactions be canceled and the funds be refunded to my account. 

I have attached all necessary documents, including police reports and transaction details, for your prompt review.

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 2025-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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 2025-02-23 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: VA

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) rules and regulations, I request that TransUnion promptly investigate and remove any inaccurate accounts from my credit report. 

Transunion has failed to properly investigate the following accounts on my credit report which violates the CFPB : Account Name : XXXX XXXX  Account BALANCE : $ {$810.00} Account # XXXX 2.Account Name : XXXX XXXX XXXX XXXX Account BALANCE : {$520.00} Account # XXXX 3.Account Name : XXXX XXXX XXXX Account BALANCE : {$890.00} Account # XXXX 4.Account Name : XXXX Account BALANCE : {$1300.00} Account # 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 2025-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: MN

Complaint narrative:
I was in XXXX, and I have charges I never made. I believe someone must of had a chip reader. The charges are for {$340.00} and another charge of {$230.00}. My friend i was on vacation with also had charges on her card that were scam. I have contacted my bank and they reviewed the charges. The time stamps do not match up. They said they would investigate further. Today I received a email stating the charges in dispute were not in my favor. They agreed with the merchant whom Ive never heard of nor, have been there to the establishment.

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCF Intermediate Holdings LLC
State: VA

Complaint narrative:
I am writing to formally express my concern and dissatisfaction regarding the unauthorized sharing of my non-public personal information ( NPPI ) by SPEEDYCASH to NATIONAL CREDIT ADJUSTERS ( XXXX ), despite my explicit decision to opt out of such disclosures. 

On XX/XX/year>, I submitted an opt-out request to SPEEDYCASH as per my rights under the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6827 ) Requires financial institutions to protect consumers personal information and provide opt-out options for data sharing with third parties.

2. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681-1681x ) Governs how consumer credit information is shared and used, including requirements for consent and opt-out provisions.

3. Federal Trade Commission Act ( FTC Act ) ( 15 U.S.C. 45 ) Prohibits unfair or deceptive practices, including unauthorized sharing of personal data. I requested that my personal information not be shared with third parties. Despite this clear directive, I have become aware that my information has been disclosed without my consent, in direct violation of my opt-out request. 

This unauthorized disclosure is a serious breach of my privacy rights and may also constitute non-compliance with applicable federal and state privacy laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: IL

Complaint narrative:
They have failed to follow 15 USC 1681 ( e ) ( b ) and 15 USC ( i ) ( 5 ) for my entire credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am not liable for this debt. I do not have a contract nor did they provide me with an original contract or method of verification as requested. Per 15USC 1681 ( e ) ( b )

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 2025-02-23 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: FL

Complaint narrative:
I am formally disputing the accuracy of this account under the Fair Credit Reporting Act ( FCRA ) and e-OSCAR Code 106. Upon reviewing my credit report, I noticed discrepancies with the reported late payments on this account. 

Account Name : XXXX Account Number : XXXX Specifically, there are late payments reported as follows : * XXXX XXXX 30 days late * XXXX XXXX 30 days late * XXXX XXXX 30 days late * XXXX XXXX 30 days late * XXXX XXXX 60 days late * XXXX XXXX 90 days late I believe these reported late payments to be inaccurate and request that you provide concrete proof that these payments were indeed late. According to the Fair Credit Reporting Act, a late payment status can only be reported after a consumer has missed the payment due date for a period of 30 days or more. I have thoroughly reviewed my statements and made payments prior to reaching the 30-day mark, which indicates that the reported late payments are incorrect. 

Furthermore, I believe the creditor has not complied with Section 623 ( a ) ( 7 ) of the FCRA, which requires that a consumer be notified before any negative information is reported to a credit bureau. To my knowledge, I have never received such a notice from the creditor, either before or after the information was reported. Please ensure that the creditor provides proof that they sent such a notice, either by supplying a certified green return receipt or a shipping tracking number, before the conclusion of your investigation. 

I request that you confirm with the creditor that they have substantiated the reported late payments. If they can not provide the necessary evidence of the late payments, I kindly ask that my account be updated to reflect a " Paid As Agreed, Never Late '' ( PAANL ) status, in accordance with consumer protection laws. 
Thank you for your prompt attention to this matter and for ensuring that this account is properly updated.

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 2025-02-23 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: SC

Complaint narrative:
am disputing a collection account on my credit report that I believe is inaccurate. The details are as follows : Creditor Name : [ Collection Agency Name ] Account Number : [ Full or Partial Number ] Under the Fair Credit Reporting Act ( FCRA ) 1681i, I request that you investigate this account. The collection agency failed to provide proper validation as required under the FDCPA 1692g. If this debt can not be substantiated, I ask that it be removed from my credit report immediately.

Please respond within 30 days with the results of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: SC

Complaint narrative:
am disputing a collection account on my credit report that I believe is inaccurate. The details are as follows : Creditor Name : [ Collection Agency Name ] Account Number : [ Full or Partial Number ] Under the Fair Credit Reporting Act ( FCRA ) 1681i, I request that you investigate this account. The collection agency failed to provide proper validation as required under the FDCPA 1692g. If this debt can not be substantiated, I ask that it be removed from my credit report immediately.

Please respond within 30 days with the results of your investigation.

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 2025-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Hard Inquiries reported on my credit report without my permission or consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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.

Complaint narrative:
all fraud accounts XXXX XXXX XXXX XXXX XXXX  not my accounts naver open

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 2025-02-23 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.

Complaint narrative:
all fraud accounts XXXX XXXX XXXX XXXX XXXX not my accounts naver open

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 2025-02-23 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.

Complaint narrative:
all fraud accounts XXXX XXXX XXXX XXXX XXXX not my accounts naver open

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
EXPERIAN AND EQUIFAX ARE HANDLING MY ACCOUNT AS IF IT BELONGS TO THEM AND I HAVE NO SAY SO.

ITS BEEN 30 DAYS SINCE I REQUESTED FROM EQUIFAX A HARD COOY OF MY REPORT AND I HAVE YET TO RECEIVE IT.

I HAVE REQUESTED THAT DOCUMENTATION OF THE PROCESS OF HOW MY INFORMATION WITH CREDITORS WAS VERIFIED and EQUIFAX REFUSED. THEREFORE I BELIEVE THEY ARENT investigating anything! They just make up stuff! The accounts I disputed DO NOT BELONG TO ME!!! 

I DO NOT LIVE AT XXXX XXXX XXXX XXXX! My phone number is not XXXX!!! These count do not belong to me!!! So they cant be verified! 


Lastly EXPERIAN AND EQUIFAX HAVE ME ON FREEZES THAT I DID NOT REQUEST NOR DID THEY ASK MY PERMISSION OR INFORM ME NOW I CANT OPEN A BANK ACCOUNT!!! 

EXPERIAN SAID THEY DELETED XXXX FROM MY REPORT YET XXXX IS STILL REPORTING!!! XXXX IS A NEW ACCOUNT THAT DOESNT BELONG TO ME AND THATS WHY XXXX CLOSED IT PER MY REQUEST BUT ITS REPORTING THAT IT WAS CLOSED BY THE CREDITOR. EXPERIAN AGREED TO REMOVE IT AND ITS STILL THERE SO DID XXXX!!! 

In conclusion- The specific violations include : 1. Unauthorized credit freeze applied without my explicit consent, violating FCRA 1681c-1.

2. Failure to notify me of the freeze or provide instructions on how to dispute or lift it, violating FCRA 1681i ( a ) ( 6
).

4. Failure to ensure the accuracy of my credit file, violating FCRA 1681e ( b ).

Failed to conduct a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ) ( A ).

5. Denied my request for removal of inaccurate information, including fraudulent inquiries and incorrect addresses, violating FCRA 1681c ( a ) and 1681e ( b ).

6. Placed unauthorized credit freezes on my reports without my consent or notification, violating FCRA 1681c-1.

7. Failed to honor my request to receive all documentation regarding how my information was verified.

I have attached the screenshot of Experian saying they deleted fortia from my account!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: IL

Complaint narrative:
I am writing to formally dispute the following inaccuracies on my credit report. These incorrect entries are severely hindering my ability to progress in life, and the stress they cause is significant. I am unable to move forward with my personal and financial goals due to these issues, and I seek immediate action to correct them. 
I assert, under penalty of perjury, that the following accounts do not belong to me and that these accounts have been opened and/or used fraudulently. As I have been unable to resolve these matters through direct contact with the involved creditors, I now request your urgent assistance. 
Disputed Addresses : The following addresses are incorrect and must be removed from my credit report immediately : XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL These addresses do not belong to me, and I have no association with any accounts or activities at these locations. These errors are affecting my credit, and I insist that they be removed to prevent further harm to my financial reputation and well-being. 
Disputed Accounts : XXXX XXXX Account Number : Amount : Date Opened : XX/XX/XXXX American First Finance Account Number : Amount : Date Opened : 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 2025-02-23 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: IL

Complaint narrative:
I am writing to formally dispute the following inaccuracies on my credit report. These incorrect entries are severely hindering my ability to progress in life, and the stress they cause is significant. I am unable to move forward with my personal and financial goals due to these issues, and I seek immediate action to correct them. 
I assert, under penalty of perjury, that the following accounts do not belong to me and that these accounts have been opened and/or used fraudulently. As I have been unable to resolve these matters through direct contact with the involved creditors, I now request your urgent assistance. 
Disputed Addresses : The following addresses are incorrect and must be removed from my credit report immediately : XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL These addresses do not belong to me, and I have no association with any accounts or activities at these locations. These errors are affecting my credit, and I insist that they be removed to prevent further harm to my financial reputation and well-being. 
Disputed Accounts : XXXX XXXX Account Number : Amount : Date Opened : XX/XX/XXXX American First Finance Account Number : Amount : Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Federal Adjustment Bureau, Inc.
State: PA

Complaint narrative:
I was NEVER notified from FABCO, but instead the company placed my name in the Credit Bureau, XXXX. The account is a result of FRAUD in my name. The amount owed on an apartment is {$14000.00} in XXXXXXXX XXXX. I've never lived in Ohio. I live in Pennsylvania, I've lived here my entire life. I own my home. I've disputed it with XXXX, and they've told me twice that the information is accurate and it was denied. THIS IS TOTALLY wrong. I need your help getting this information OFF of my credit report. It is FRAUD.

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 2025-02-23 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:
( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-Provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers or dispute outcome.These failures align with my experience, where Experian has neither correct nor removed dispute items despite the evidence I provided causing on going harm to my credit standing I am required immediate correction action to remove or amend the disputed account as Experian inaction violates federal law and my rights as a customer this is my fifth time request regarding the fraudulent account that continues to appear on my credit report.i

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request to Update Personal Information Dear Transunion,, I am writing to request an update to my personal information in your records. Please ensure that my file reflects only the following accurate details : Full Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX If there are any other names, addresses, or personal details associated with my credit file that do not match the information above, I kindly request their removal to maintain the accuracy of my credit report. 
Enclosed, I have included copies of the following documents to verify my identity and address : A copy of my government-issued identification ( e.g., driver 's license or passport ) A recent utility bill or bank statement showing my current address Please process this request at your earliest convenience and confirm once the update has been completed. If you require any additional information, feel free to contact me at XXXX or XXXX. 
Thank you for your time and assistance. 
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 non-monetary relief