vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 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: The Bureaus, Inc.
State: TX

Complaint narrative:
I have no liability to THE BUREAUS, INC for they are a third party debt collector and I have contract no with them. THE BUREAUS INC brought the debt from XXXX XXXX  in which the debt would had to have been charged off. A charge off is considered income and income can not me reported to credit report because it turns into a certificate of indebtedness. I would like THE BUREAUS INC to provide me the direct contract between them and XXXX XXXX showing that they are authorized to collect for XXXX XXXX and they are not a company that just brought a debt. They have also violated the Privacy Act of 1974 and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I was never given a notice or a way to opt out of THE BUREAUS INC, XXXX, XXXX, and XXXX reporting this to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: TX

Complaint narrative:
My Comerica bank account was drained of {$64000.00} from a company name strike. This occurred in the span of XXXX weeks. At first strike started taking small amounts of money out of my bank, which I did not notice. Then when I made large deposits into my Comerica checking account strike started to slowly debit all the money that is in the account. I tried to reach out to strike but to no avail they did not respond. I contacted Comerica to do a fraud claim on those transactions which were not authorized by me. I never gave strike permission to debit all those high dollar amounts of my checking account. The XXXX doing my Comerica account is name XXXX XXXX. He said that strike provided documents that I opened an account with them and that the transactions were signed off by me. I told him no I did not. I have an account with strike but at no point in time did I gave them permission to take {$64000.00} out of my checking account. I tried to reach out to strike but they wont respond to me and their customer service phone number does not work. Just because I have a strike account that I open a while ago does not mean I ever gave them permission to take my funds. Comerica closed down my banking relation and denied my claim for the money that was taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: NJ

Complaint narrative:
I am submitting this dispute regarding fraudulent accounts that have been opened under my name without my knowledge or consent. These accounts are a result of identity theft, and I became aware of them in XX/XX/year>. 

Specifically, the account in question is with XXXX  ( Account Number : XXXX ) .XXXX XXXX ( Account Number:XXXX XXXX  XXXX  ( Account Number : XXXX ) .I am requesting that the credit reporting agencies ( Experian, XXXX, and XXXX ) block and delete this fraudulent account in accordance with the Fair Credit Reporting Act ( FCRA ).

Additionally, I am invoking my right to legal recourse under 15 U.S.C. 1681n due to the significant damage caused to my financial well-being by this fraud. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: NJ

Complaint narrative:
I am submitting this dispute regarding fraudulent accounts that have been opened under my name without my knowledge or consent. These accounts are a result of identity theft, and I became aware of them in XX/XX/year>. 

Specifically, the account in question is with XXXX  ( Account Number : XXXX ) .XXXX XXXX ( Account Number:XXXX XXXX  XXXX  ( Account Number : XXXX ) .I am requesting that the credit reporting agencies ( Experian, XXXX, and XXXX ) block and delete this fraudulent account in accordance with the Fair Credit Reporting Act ( FCRA ).

Additionally, I am invoking my right to legal recourse under 15 U.S.C. 1681n due to the significant damage caused to my financial well-being by this fraud. 

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 2025-01-31 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: NV

Complaint narrative:
Subject : Dispute Against Equifax for Non-Compliance Under 15 U.S.C. 1681o To Whom It May Concern, I am filing a formal dispute against Equifax for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, regarding civil liability for noncompliance. This dispute arises from Equifaxs failure to properly investigate and correct inaccuracies in my credit report following my formal disputes submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

In my initial dispute to Equifax, I specifically requested that they investigate and correct the reported inaccuracies, as detailed in the attached documentation. Despite providing sufficient evidence supporting my claims, Equifax has failed to take appropriate corrective action, thereby violating my rights under the FCRA. 

According to XXXX XXXX. XXXX, XXXX failure to comply with its obligations has caused actual harm, including but not limited to : - Inaccurate reporting affecting my creditworthiness - Denial of credit or unfavorable credit terms - Emotional distress and undue financial burden I am requesting that the CFPB investigate Equifaxs non-compliance and enforce corrective actions, including any applicable penalties. Additionally, I am seeking full compliance with the FCRA, including the immediate correction of my credit report as outlined in my XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX disputes. 

Furthermore, on XX/XX/XXXX, an unknown individual applied for credit in my name with XXXX XXXX XXXX also known as XXXX Credit Card XXXX This unauthorized inquiry, along with several other erroneous hard credit inquiries, has negatively impacted my credit score. Despite multiple requests, Equifax has failed to investigate or remove these inquiries. Please include this issue as part of my complaint. 

Due to this identity theft, I have taken the following protective measures : - Placed a credit freeze on all three major credit bureau reports- Added an ID Theft Fraud Victim alert - Filed a police report ( Report Number XXXX ) with the XXXX Police Department in XXXX XXXX XXXX Filed a report with the XXXX. Postal Service ( Reference Number : XXXX ) Enclosed, please find copies of my original dispute letter, supporting documents, and Equifaxs response ( or lack thereof ). I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights. 



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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2025-02-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In my review of the credit report, I found some erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the XXXX credit bureaus must verify these accounts. Reporting unverified information without evidence within the legal timeframe is prohibited. Kindly investigate XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

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

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

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

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

Company 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 2025-02-01 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: WA

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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 submitted disputes to Transunion, I have certified mail sent to them as well, and I have called them many times to remove this inaccurate information but it has not happened.

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 2025-02-01 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: NJ

Complaint narrative:
I am writing to dispute an inaccurate late payment reported on my credit report for the following account. I believe this late payment is incorrect, as I made timely payments. Under the Fair Credit Reporting Act ( FCRA ), Section 611 provides my right to dispute inaccurate information, and Section 605 requires that negative information be reported accurately. I have already disputed this with the credit bureaus using XXXX XXXX XXXX XXXX and XXXX, and I request your assistance in ensuring this error is corrected. Please ensure a thorough investigation is conducted, and if the late payment is found to be inaccurate, it should be removed from my credit report. I expect written confirmation of the results as required by the FCRA.

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 2025-02-01 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: NJ

Complaint narrative:
I am writing to dispute an inaccurate late payment reported on my credit report for the following account. I believe this late payment is incorrect, as I made timely payments. Under the Fair Credit Reporting Act ( FCRA ), Section 611 provides my right to dispute inaccurate information, and Section 605 requires that negative information be reported accurately. I have already disputed this with the credit bureaus using XXXX XXXX XXXX XXXX and XXXX, and I request your assistance in ensuring this error is corrected. Please ensure a thorough investigation is conducted, and if the late payment is found to be inaccurate, it should be removed from my credit report. I expect written confirmation of the results as required by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
This company is reporting fraudulent and inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l may review to see if this is actually an account that belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: NJ

Complaint narrative:
I was reviewing my credit report and came across something that doesnt belong there. Theres an item listed that I dont recognize and never authorized. I have no connection to it, and its bringing my credit score down unfairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: AL

Complaint narrative:
Cashapp not being able to talk to customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint against Bank Of America due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Bank Of America 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 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 monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Selene Holdings LLC
State: FL

Complaint narrative:
In XX/XX/2024, our mortgage holder XXXX XXXX at that time, sold our loan to Selene Financial. In XX/XX/2024 the portal to pay our payment could not be made do to loan sold. A month later we found out that Selene Financial owns our loan. 
Therefore, the XXXX XXXX XXXXXXXX we applied for a refinance and cash out from XXXX XXXX XXXXXXXX XXXX 

The problem is that you can only call a call center were the employee can not communicate with the internal offices such as the Loss Mitigation or any customers service. They email the internal offices and when they get time will call you back. 

On XX/XX/2024 we had our loan officer and title company finally got ahold of someone about our loan and they just hung up the phone. We try to get to the right person who could be given permission to talk to Selene Fincincial but they just kept hanging up. 3 times. The call center refuse to give us a number to talk directly to the person we needed to talk to but to no avail. It has been very ver 30 days with no communication. Can you help us

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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