vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
I want reported accounts removed.

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 non-monetary relief
Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
I want reported accounts removed.

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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Hello, I ordered some digital items through PayPal, from someone committing fraud in XXXX. I filed a dispute with PayPal and they sided with the fraudster, after I submitted evidence showing the entire situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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.
State: TX

Complaint narrative:
Upon reviewing my consumer credit report, I have noticed XXXX late payments on my account that I was never late for.Consumer reporting agencies assume a vital role in reporting accurate information for consumer reports. I have never been late for account XXXX XXXX XXXXXXXX. Can it please be investigated and provide proof with statements these payments were late.If proof can not be provided I please demand these payments get updated as to on time as they should be. I was NEVER late, thank you.

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 2025-01-24 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: CA

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-24 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: NV

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-24 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: ID

Complaint narrative:
XX/XX/XXXX I requested deletions from each bureau, with no avail or remedy. 

I am writing to formally notify you that I have been a victim of identity theft, related to the widely publicized XXXX data breach. 

As such, I request your immediate assistance in addressing fraudulent activity associated with my credit report. 

Pursuant to 15 U.S.C. 1681c-2 ( a ), I request that you delete all inquiries, and any other fraudulent information resulting from this identity theft from my credit file. This includes, but is not limited to, the following accounts : Inquiries : 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 XXXXXX/XX/XXXX US DEPARTMENT OF EDU XXXX To facilitate your investigation and processing of my request, I am providing the following documents : 1. A copy of a government-issued photo ID ( e.g., drivers license or passport ).

2. Proof of my current address ( e.g., utility bill or bank statement ).

3. A copy of the Federal Trade Commissions Identity Theft Report 4. Notarized verification of my identity and address.

As required by the Fair Credit Reporting Act, you are obligated to
respond to this request within four business days of receiving all necessary documentation. I expect confirmation that the requested blocks and deletions have been completed and that my credit report has been corrected. 

Please send all correspondence regarding this matter to my address listed above or via email XXXX. 
Should you require additional information or clarification, do not hesitate to contact me directly. 

Thank you for your prompt attention to this urgent matter. I trust that you will act swiftly to protect my rights under federal law.

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 2025-01-24 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 m ' 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 2025-01-24 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: GA

Complaint narrative:
I have reported numerous accounts & inquiries to no avail. I am filing a complaint against TRANSUNION for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, experian consistently responds within 24hrs stating that account is accurate, without providing any evidence of a thorough investigation. This practice violates the FCRA, 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX '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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. I have listed said accounts below. 

INQUIRIES - 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts 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 non-monetary relief
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts 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 2025-01-24 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:
I submitted a dispute with Equifax on XX/XX/XXXX. There is an item on my report for {$97.00} that was reported in XXXX. The dispute came back as completed as verified on XX/XX/XXXX. My score then dropped by about XXXX points due to the remarks added by Equifax. I then submitted an additional dispute about the added remarks, that dispute went unanswered ( unrecorded ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: OH

Complaint narrative:
XXXX filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit reports. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of thorough investigation. This practice violates the Fair Credit Reporting Act ( FRCA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFBPs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts mark as inaccurate Portfolio Recovery XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX  XXXX and XXXX XXXX Bank 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 2025-01-24 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX XXXX 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 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: AR

Complaint narrative:
I have been a member of Navy Federal Credit Union for over 40 years & have had problems with my checking account. When I use my debit card to pay for bills or items, there have been many times I thought I had XXXX amount in the bank because I checked my statement before using my debit card. In reality, when I used my card based on what my statement showed, I would later find I had been charged an overdraft fee because what my statement showed, was not the amount I actually had

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: GA

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 XXXX 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, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. 2025 XXXX ) against them for similar violations. I request that CFPB take action to ensure that Equifax complies with federal law and provides consumers the necessary proof of investigation. 
These are the accounts that I have marked as inaccurate : Creditor information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
I am filing a dispute regarding inaccurate information being reported on my credit report concerning the XXXX XXXX XXXX account. Specifically : The charge-off status is inaccurate, as the balance was paid in full by my insurance company, and the account was considered closed. 
Late payments are being reported after the account was resolved, which is incorrect. 
These inaccuracies are negatively impacting my credit standing, and I believe they are in violation of the Fair Credit Reporting Act ( FCRA ), codified under 15 U.S.C. 1681.

The balance for this account was fully paid by my insurance company on XX/XX/year>, and the account was closed. However, the account is inaccurately reported as charged off, and late payments are being listed after the account was settled. These inaccuracies misrepresent the true status of the account. 

Under 15 U.S.C. 1681e ( b ), credit reporting agencies, including XXXX, must maintain reasonable procedures to ensure the accuracy of the information they report. By failing to correct this inaccurate reporting, XXXX has violated these legal requirements, which has caused harm to my credit report and overall financial standing. 

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ), I have the right to dispute any inaccurate or incomplete information on my credit report, and XXXX is obligated to conduct a thorough reinvestigation of this matter. 

Under 15 U.S.C. 1681o, negligent noncompliance with the FCRA holds XXXX and other responsible parties liable for damages caused by inaccurate reporting, including actual damages, attorneys fees, and costs of action. I request that the CFPB ensure XXXX 's compliance with these regulations and assist in resolving this matter. 

If this matter is not resolved within 30 days, I will explore additional legal remedies to protect my rights under the FCRA, including seeking damages for the harm caused by these inaccuracies. 

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

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 2025-01-24 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: CA

Complaint narrative:
I am filing a dispute regarding inaccurate information being reported on my credit report concerning the XXXX XXXX XXXX account. Specifically : The charge-off status is inaccurate, as the balance was paid in full by my insurance company, and the account was considered closed. 
Late payments are being reported after the account was resolved, which is incorrect. 
These inaccuracies are negatively impacting my credit standing, and I believe they are in violation of the Fair Credit Reporting Act ( FCRA ), codified under 15 U.S.C. 1681.

The balance for this account was fully paid by my insurance company on XX/XX/2023, and the account was closed. However, the account is inaccurately reported as charged off, and late payments are being listed after the account was settled. These inaccuracies misrepresent the true status of the account. 

Under 15 U.S.C. 1681e ( b ), credit reporting agencies, including XXXX, must maintain reasonable procedures to ensure the accuracy of the information they report. By failing to correct this inaccurate reporting, XXXX has violated these legal requirements, which has caused harm to my credit report and overall financial standing. 

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ), I have the right to dispute any inaccurate or incomplete information on my credit report, and XXXX is obligated to conduct a thorough reinvestigation of this matter. 

Under 15 U.S.C. 1681o, negligent noncompliance with the FCRA holds XXXX and other responsible parties liable for damages caused by inaccurate reporting, including actual damages, attorneys fees, and costs of action. I request that the CFPB ensure XXXX 's compliance with these regulations and assist in resolving this matter. 

If this matter is not resolved within 30 days, I will explore additional legal remedies to protect my rights under the FCRA, including seeking damages for the harm caused by these inaccuracies. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: MS

Complaint narrative:
I am writing to dispute a fraudulent account. I am a victim of identity theft, and I did open this account. I didnt give anyone permission to open this account using my information. I am requesting that the account be closed & removed from my credit report. Please investigate this matter and correct the fraudulent account as soon as possible. In addition, pursuant to FACTA, as a victim of identity theft I am requesting that you provide me with copies of any and all applications and business transaction records related to the fraudulent account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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