vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Last 4 SSN : XXXX Date of birthday : XX/XX/XXXX DATE : XX/XX/XXXX Subject : Identity Theft and Unauthorized Hard Inquiries Dear : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed an FTC complaint, which is attached. There are accounts on my report that do not belong to me. 

All required documentation is within this packet and has been faxed and mailed via Certified Mail to your agency. 

In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. 1681c-2, I formally request the immediate removal of the fraudulent accounts and hard inquiries associated with identity theft from my credit report. Under this law, a consumer reporting agency must block information resulting from identity theft within four business days after receiving : 1. Proof of identity.

2. A copy of a valid identity theft report.

3. A copy of my ID 4. A copy of a bill Additionally, under FCRA 15 U.S.C. 1681b ( f ), a credit reporting agency is required to ensure that permissible purpose exists before including hard inquiries on a credit report. Since I did not authorize the inquiries listed below, they should be removed immediately. 

Please remove the following unauthorized hard inquiries from my credit report : XXXX. ) XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XX/XX/XXXX XXXX. ) PREMIUM XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XX/XX/XXXX Failure to comply with this request within the legally required timeframe will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and legal action if necessary. 

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
Consumer complaint received 2025-02-02 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: NY

Complaint narrative:
I am writing to file a formal complaint against TransUnion for inaccurately reporting items on my credit report that were previously deleted due to being fraudulent and resulting from identity theft. Despite receiving confirmation from TransUnion that these items were removed, they continue to reappear on my credit report, causing significant damage to my financial standing and personal well-being. 
The specific items in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX / XXXX XXXX- XXXX XXXX  XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have made multiple attempts to resolve this issue with TransUnion, including providing the necessary documentation, such as police reports and FTC Identity Theft Reports . However, despite these efforts, the fraudulent items continue to reappear on my credit report. 
Additionally, I have been charged more than three times by TransUnion for viewing my credit score. Each time, they have provided excuses for not delivering my score, yet they have still charged my card without issuing any refunds. This situation has caused undue stress and has negatively impacted my ability to obtain credit. 
This situation has caused undue stress and has negatively impacted my ability to obtain credit. I believe that TransUnion 's failure to permanently remove these items violates the Fair Credit Reporting Act ( FCRA ) - Section 605B ( 15 U.S.C. 1681c-2 ), which requires consumer reporting agencies to block the reporting of any information resulting from identity theft within four ( 4 ) business days of receiving the necessary documentation. 
I request that the CFPB investigate this matter and take appropriate action to ensure that TransUnion complies with the FCRA and permanently removes the fraudulent items from my credit report. Additionally, I would appreciate any assistance the CFPB can provide in securing written confirmation from TransUnion that the items will not reappear. 
Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 
All the documentation I will attach to this complaint was also given to TransUnion when completing the dispute.

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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
According to 15 U.S. Code 6802, financial institutions are prohibited from disclosing your non-public information to third-party entities. Credit bureaus fall under this category as third-party entities, as do debt collectors. I kindly request the removal of the following information from my credit report, as it does not belong to me. Should the credit agency conduct an investigation, I would like to receive evidence confirming that this account is indeed mine. 


XXXXXXXX XXXX XXXXXXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Unsecured XX/XX/XXXX Closed Account charged off. {$2800.00} written off. {$1700.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$1700.00} XX/XX/XXXX XX/XX/XXXX 66 % Status Updated Balance Balance Updated Last Payment Date Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : {$1700.00} {$5000.00} 8 Months Individual

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
According to 15 U.S. Code 6802, financial institutions are prohibited from disclosing your non-public information to third-party entities. Credit bureaus fall under this category as third-party entities, as do debt collectors. I kindly request the removal of the following information from my credit report, as it does not belong to me. Should the credit agency conduct an investigation, I would like to receive evidence confirming that this account is indeed mine. 


XXXXXXXX XXXX XXXXXXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Unsecured XX/XX/XXXX Closed Account charged off. {$2800.00} written off. {$1700.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$1700.00} XX/XX/XXXX XX/XX/XXXX 66 % Status Updated Balance Balance Updated Last Payment Date Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : {$1700.00} {$5000.00} 8 Months Individual

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 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
My cash app card was canceled, after I complained about international money transfers that were coming out of my account going to XXXX. Certain accounts where blocked off of my Cash app account after I called Cash app, but I never heard anything else back. There were at least six companies from XXXX on my cash app account that had taken out money ... Cash app sent out Requests for my money to be given back but I never heard anything back from Cash app about these companies that I do not know nor have I received any money back... I'm still waiting to hear something

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

Complaint narrative:
Per FCRA as a federally protected consumer I am now opting out of any and all authorization. I the consumer may have given you written, unwritten, verbal, and nonverbal permission 15 USC 6802. Charge off is considered a certificate of indebtness it is income it must be removed. It is illegal to report transaction history via 16 CFR 313.7, 15 USC 6802-6805, and Privacy Act of 1974.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
identify you and your account. 
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 those violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
On XX/XX/2022 LNNV funding stated that account was open with a balance of {$5200.00} and I have no knowledge of that account. And I have no contractual agreements with them at all.

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

Complaint narrative:
THE DELINQUENT PAYMENT SHOWING ON MY CREDEIT REPORT ( XXXX XXXX  XXXX OPENED XX/XX/year> ) WAS A RESULT OF MY JOB LOSS DUE TO XXXX. THE CARES ACT, WHICH WAS SIGNED INTO LAW ON XXXX XXXX, AND ENDED XXXX XXXX. THIS ACT AMENDED THE FAIR CREDIT REPORTING ACTT ( FCRA ) TO STOP ADVERSE CREDIT REPORTING DURING THE XXXX CRISIS UNDER THESE CIRCUMSTANCES. PLEASE UPDATE THIS INFORMANTION IMMEDATELY TO PAID/NEVERLATE FOR THE FOLLOWING TIME PERIOD. THIS LATE PAYMENT IS HURTING ME INTO PURCHASING A HOME FOR ME AND MY FAMILY. THANK YOU FOR YOUR UNDERSTANDING AND PROMPT ACTION.

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

Complaint narrative:
I am filing a complaint against Cash App ( block inc ) due to inadequate customer service and unfair practice which violates the consumer financial protection act ( CFPA ) cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account, vulnerable and unprotect. The dispute resolution Process was unfair and deceptive. They did not comply with the error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions has caused significant inconvenience. And financial loss. I think appropriate redress for this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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 Had filed a complaint a long time ago about navy Federal and overdraft fees. They didn't fix all of the unessary fees they gave me. I found out there is a complaint against them and was told to reach out and file another complaint. 

I had them from XXXX. I would like all of my overdraft fees back that they took from me please. 

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 

The issue appears consistent with the recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions were settled with insufficient balances despite initially having adequate funds. I believe these practices were deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: TN

Complaint narrative:
**Dispute of Negligence under Section 1681o of the Fair Credit Reporting Act** I am writing to formally dispute a violation of my civil rights related to negligent reporting under the Fair Credit Reporting Act ( FCRA ), Section 1681o. It has come to my attention that there is an error in my credit report, failure to correct inaccuracies, failure to investigate disputes properly, It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items 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 ) (! ). 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. The accounts that are in violation of my rights are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-02 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. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent my account from being vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with the Error Resolution Requirements under the Electronic Fraud Transfer Act ( FETA ) and Regulation EXXXX 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 2025-02-02 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: NC

Complaint narrative:
Experian has failed to fulfill its leg, obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonab reinvestigation of disputed inforn credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( 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 of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( 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 of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX - Balance : {$0.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$980.00} XXXX  XXXX # XXXX XX/XX/XXXX - Balance : {$250.00} XXXX  XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX  # XXXX XX/XX/XXXX - Balance : {$670.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$0.00} XXXX  # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$7200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XX/XX/XXXX - Balance : {$510.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$760.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX Balance : {$3000.00} XXXX  # XXXX XX/XX/XXXX - Balance : {$1400.00} XXXX XXXX XXXX XX/XX/XXXX - Balance : {$540.00} XXXX XXXX XXXX XX/XX/XXXX - Balance : {$390.00} XXXX XXXX XXXX XX/XX/XXXX - Balance : {$670.00} XXXX XXXX XXXX XX/XX/XXXX - Balance : {$2200.00} XXXX # XXXX XX/XX/XXXX - Balance : {$650.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$280.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$980.00} XXXX XXXX  XXXX  # XXXX XX/XX/XXXX - Balance : {$1400.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$650.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$510.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$390.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$540.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$510.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$670.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$2200.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
A company was taken from a scam contracting company and i tried to get it rectified and cash app couldnt do anything for me or block this report this person

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
According to 15 U.S. Code 6802, financial institutions are prohibited from disclosing your non-public information to third-party entities. Credit bureaus fall under this category as third-party entities, as do debt collectors. I kindly request the removal of the following information from my credit report, as it does not belong to me. Should the credit agency conduct an investigation, I would like to receive evidence confirming that this account is indeed mine. 


XXXXXXXX XXXX XXXXXXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Unsecured XX/XX/XXXX Closed Account charged off. {$2800.00} written off. {$1700.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$1700.00} XX/XX/XXXX XX/XX/XXXX 66 % Status Updated Balance Balance Updated Last Payment Date Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : {$1700.00} {$5000.00} 8 Months Individual

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