vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to formally dispute the accounts and inquiries listed on my consumer credit report referenced below, which are the result of a data breach or fraud. Additionally, I demand verifiable proof bearing my signature or electronic signature for any unauthorized inquiries. 

This letter is being sent directly by me, not through a third party, so I ask that you review it carefully. I never authorized these actions, and their reporting constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these violations fall under : FCRA Section 605B Block of information resulting from a Data Breach or Fraud ( 15 U.S.C. 1681c-2 ) FCRA Section 604 Permissible purposes of consumer reports ( 15 U.S.C. 1681b ) I have contacted the companies involved and confirmed that these actions were initiated without proper validation or original proof. Since I never authorized these accounts and inquiries, they are inaccurate and must be considered the result of a data breach or unauthorized reporting by creditors and/or third-party data furnishers. 

The FCRA requires XXXX to investigate these disputed items and take appropriate action, including deletion or blocking, within four business days of receiving this letter, as outlined in FCRA 605B ( a ). Enclosed, I have attached copies of the relevant FCRA sections for reference. 

Please acknowledge receipt of this dispute and provide a written response detailing the corrective actions taken. If the disputed items are not addressed in compliance with the FCRA, I will consider further action to protect my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: LA

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt, in fact, therefore exist, ( please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX XXXX Balance {$670.00}, XXXX XXXX XXXX XXXX  {$1500.00}, XXXX XXXX balance {$980.00}, XXXX XXXX {$280.00}, XXXX XXXX XXXX XXXX {$160.00}, XXXX XXXX XXXX balance {$660.00}, XXXX XXXX XXXXXXXX balance {$55.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$0.00}, XXXX remove these additionalfraudulent inquiries XXXX XXXX XXXXXXXX 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 2025-01-31 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:
This letter constitutes a formal dispute of the alleged debt you claim I owe in the amount of [ {$250.00} ] XXXX XXXX XXXX XXXX. XXXX XXXXXXXX. I dispute this debt in its entirety for the following reasons : The debt is inaccurate or incorrect. I am requesting that you immediately cease all collection activity on this alleged debt, including but not limited to : Phone calls Letters Emails Text messages Reporting to credit bureaus ( DELETE THIS ITEM IMMEDIATELY ) I am also formally requesting that you comply with the provisions of 15 U.S.C. 1681c ( 2 ) of the Fair Debt Collection Practices Act ( FDCPA ), which requires you to : Provide me with a written notice of the debt. This notice MUST include : The amount of the debt. The name of the original creditor. An explanation of how to obtain verification of the debt. A statement that I have the right to dispute the debt in writing within 30 days. I further demand that you issue me a Form 1099-C within 14 days of the date of this letter. A Form 1099-C is required by the IRS to report the cancellation of debt income, which may have tax implications for me. Failure to comply with my requests and the requirements of the FDCPA within 14 days of the date of this letter may result in the filing of a lawsuit against you for violations of the FDCPA and other applicable laws.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter constitutes a formal dispute of the alleged debt you claim I owe in the amount of [ {$250.00} ] XXXX XXXX XXXX XXXX. XXXX XXXXXXXX. I dispute this debt in its entirety for the following reasons : The debt is inaccurate or incorrect. I am requesting that you immediately cease all collection activity on this alleged debt, including but not limited to : Phone calls Letters Emails Text messages Reporting to credit bureaus ( DELETE THIS ITEM IMMEDIATELY ) I am also formally requesting that you comply with the provisions of 15 U.S.C. 1681c ( 2 ) of the Fair Debt Collection Practices Act ( FDCPA ), which requires you to : Provide me with a written notice of the debt. This notice MUST include : The amount of the debt. The name of the original creditor. An explanation of how to obtain verification of the debt. A statement that I have the right to dispute the debt in writing within 30 days. I further demand that you issue me a Form 1099-C within 14 days of the date of this letter. A Form 1099-C is required by the IRS to report the cancellation of debt income, which may have tax implications for me. Failure to comply with my requests and the requirements of the FDCPA within 14 days of the date of this letter may result in the filing of a lawsuit against you for violations of the FDCPA and other applicable laws.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

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 2025-01-31 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: NC

Complaint narrative:
I was scammed from a car selling post on XXXX. When I paid the {$500.00} and the guy I thought was my friend was taking the ad down it turned out to be a hacked page of my friend. I made the transaction from my cashapp account. XXXX setup a dispute with cashapp and provided evidence that the person was fraudulent after they blocked me and lied to cashapp that I hadnt come yet to see a vehicle that was never real. Cashapp said they saw no suspicious activity of fraud and closed the case after several and multiple attempts and proof of evidence of the fraud.

Company response to consumer: Closed with explanation
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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX  has asked all XXXX major.credit agency 's delete a account of.my report. They have sent me a letter and have contacted all XXXX bureaus. XXXX is.the only.one that has deleted it. When I call XXXX  they say that they have not.been contacted by experian or XXXX, and they have sent out the same letter that I will supply.

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 2025-01-31 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: AZ

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2025-01-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Legal Violations & Supporting Case Laws : Unverifiable Collections Per FTC XXXX XXXX, No. XXXX, XXXX failed to verify debts before reporting. 

Fraudulent Identity Theft Accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) establishes liability for failing to block fraudulent accounts. 

Failure to Follow Dispute Instructions XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) holds that the CRA must respect written disputes. 

Requested Actions : Immediately delete all unverifiable, unauthorized, and duplicate accounts from my credit report. 

Provide me with documentation verifying the accuracy of each disputed account. If verification can not be provided, remove the accounts as per FCRA 1681i ( a ) ( 5 ). 

Cease and desist any further reporting of these accounts unless validated. 

Provide a written response within XXXX  days as required by FCRA 1681i ( a ) ( 1 ).

Failure to comply will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and legal action for damages under 15 U.S.C. 1681n. 



XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX XXXX  XXXX  Account # XXXX XXXX  XXXX  XXXX  Account Number # XXXX XXXX/XXXX  XXXX Account # XXXX XXXX  XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account # XXXX XXXX/XXXX  Account Number XXXX XXXX XXXX  Account # XXXX Violation : This account is unverifiable and lacks proper documentation in compliance with FCRA Section 609 ( a ) ( 1 ) and FCRA Section 611 ( a ) ( 5 ). XXXX XXXX v. TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), you are required to conduct an independent investigation, not merely rely on the furnishers data. 


Violation : The account was charged off and written off, meaning it is no longer legally collectible as per IRS guidelines ( 26 U.S. Code 61 ( a ) ( 12 ) ), which dictates that charged-off debts are considered forgiven and should not be reported. Per XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), inaccurate and misleading reporting causes material harm.

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 2025-01-31 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: CA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of all accounts associated with my personal information following a recent data breach. Below are the affected accounts : Accounts in Question : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$5400.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Type : Auto Loan Balance : {$49000.00} Date Opened : XX/XX/XXXX Hard Inquiries : XXXX XXXX  XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  VERIFY : XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX/XXXX  XXXX XXXX  : XX/XX/XXXX XXXX  XXXX XXXX  : XX/XX/XXXX Personal Information : Name : XXXX XXXX Social Security Number : XXXX Date XXXX Birth : XX/XX/XXXX This request is made under the Fair Credit Reporting Act ( FCRA ), and I am citing the following sections : XXXX. 15 USC 1681c-2 ( a ) : I request the immediate blocking of any accounts opened fraudulently in my name. 
XXXX. 15 USC 1681i : Please investigate and delete any inaccurate or unverifiable information resulting from this breach. 
XXXX. 15 USC 1681e ( b ) : I ask that you conduct a thorough review of my credit report and correct any inaccuracies caused by this breach. 
XXXX. 15 USC 1681g ( a ) : I am requesting a full copy of my consumer report to verify the accuracy of the information being reported. 
XXXX. 15 USC 1681m : Please ensure that no negative information from this breach is reported inappropriately. 
I respectfully request written confirmation of the actions taken regarding my accounts, along with an update on any steps XXXX is implementing to safeguard my personal information from further misuse. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX

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: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have received a copy of my credit report from Equifax that currently still shows inaccurate information. I have sent XXXX requests to Equifax for an investigation of the alleged public record listed of bankruptcy. I have received incomplete and unverified information back from Equifax states that alleged public record verified per data furnisher. Equifax has failed to advise how the alleged public record listed of bankruptcy was verified. 
US Bankruptcy Court Reference Number : XXXX Status : Dismissed Date Filed XXXX US Bankruptcy Court Reference Number : XXXX Status : Dismissed Date Filed XXXX The CFPB found Equifax ignored consumer documents and evidence submitted with disputes, allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers about the results of its investigations, and used flawed software code which led to inaccurate credit scores. The order requires Equifax to comply with federal law, and Equifax must pay a {$15.00} million civil money penalty, which will be deposited into the CFPBs victims relief fund. 
I understand the FCRA Act under Section 605b was originally enacted back in XXXX  to help promote accuracy, have the information blocked, fairness, and privacy in the collection and dissemination, and ultimately all use, of consumer credit file information. It provides multiple rights and protections for consumers. The credit bureau is legally obligated to either remove or block that information from their current report in 4 days if not I have have grounds to bring legal action against the bureau. 
The FCRA Act under Section 605b provides multiple rights and protections for consumers and outlines the regulations and expectations imposed on creditors, lenders, and furnishers of information to the credit bureaus : XXXX, XXXX, and Equifax. It also establishes the requirements and guidelines for the reporting of consumer credit information, as well as the dispute resolution processes, and the requirements for gaining access to credit reports. 
I am a consumer showing proof that a negative item or multiple items on my credit report are inaccurate due to identity theft, the credit bureau Equifax is legally obligated to either remove or block that information from my current credit report. Equifax failed in its basic duty to investigate and resolve consumer disputes about inaccurate information on their credit reports, Please find attached documents : XXXX XXXX United States XXXX  XXXX XXXX XXXX XXXX Georgia letter XXXX ) Georgia XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Dispute XXXX ) Equifax - Dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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 am writing to formally dispute multiple overdraft fees assessed to my account with Navy Federal Credit Union. These fees were applied despite my account having sufficient funds at the time the transactions were authorized. Due to delays in the posting of charges and credits, transactions later settled against an artificially reduced balance, resulting in unwarranted fees. 

This issue is consistent with recent Consumer Financial Protection Bureau ( CFPB ) findings regarding Navy Federals overdraft practices, in which transactions settled with insufficient funds despite originally being approved with an available balance. I believe these practices are both unfair and deceptive, and I respectfully request a thorough review of my account transactions. 

Sincerely, XXXX XXXX

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This is not my debt and does not appear on my XXXX 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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX reported a collections for a medical collection for {$1000.00}. I have filed a complaint with the BBB on this debt collector about this medical debt after being unable to get anyone to send me an invoice of what this charge is. I have never received a bill for this company and sent a letter asking them to send me the invoice and or bills with a detail explanation of the charges. This is a violation of HIPA. This also violates the new rule for medical collections not to be reported on a credit report. I have filed 3 disputes with the credit agencies with no progress from them to get his resolved or have I received any documentation of the collection charge.

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 2025-01-31 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: CA

Complaint narrative:
TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, 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 Transunion 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 disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer. I request that the CFPB take action to ensure Equifax, Experian and Transunion complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief