vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : AFFIRM XXXX Account number : XXXX Account name : XX/XX/XXXXXXXX Account number : XXXX Account name : XX/XX/XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XX/XX/XXXX Account number : XXXX Account name : XX/XX/XXXX Account number : XXXX Account name : XX/XX/XXXX Account number : XXXX Account name : XX/XX/XXXX Account number : XXXX Account name :XX/XX/XXXX Account number : XXXX Account name : XX/XX/XXXX Account number : XXXX Account name : XX/XX/XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Inquiries : XX/XX/XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. I believe I may have been a victim of identity theft due to a data breach.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Accounts : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2025-02-06 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: AL

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. 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, not later than 4 business days after the date of receipt by such agency.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with XXXX XXXX AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX, AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2025-02-06 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX - XXXX XXXXXX/XX/XXXXXXXX XXXX - XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXXXX/XX/XXXX- XXXXXX/XX/XXXX - XX/XX/scrub>/2023 XX/XX/XXXX - XX/XX/scrub>/2023 XX/XX/XXXXXX/XX/XXXX/2023 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SANDY SPRING BANCORP, INC.
State: MD

Complaint narrative:
XXXX XXXX2024, I received a wire transfer from by friend XXXX XXXX XXXX. She lives in XXXX XXXX and she was repaying back a debt she owe me. I received the sum of {$10000.00} from her which she transferred into my Sandy Spring Bank. I have been an account holder with Sandy Spring Bank for more than 35 years. Immediately I received the payment, I withdrew {$5000.00} with my debit card into my XXXX. Then I then tried to make other payments and pay other debts. But my card kept declining. I thought I have exceeded my daily limit. I called my bank and was told my card was good and no limit exceeded. I tried the next day same issue. I went to the bank Friday XXXX, XX/XX/year>2024 to make a wire transfer of {$3000.00} to my friend and I was insulted inside the bank and called a scam and was told my account was been closed. I wasn't given a good reason for the closure of the bank account. I went to see the vice president of Sandy Spring Bank at my local bank and he told me he will look into the matter. I was told the remaining balance of {$5000.00} will be refunded back to the sender. Which the Sandy Spring didn't refund. When I called customer service they told me to tell the sender of the money to tell her bank to write to Sandy spring bank for refund of the {$5000.00} balance. My friend went to her bank and did as Sandy Spring Bank has instructed me to tell. Her bank said they could do nothing cause the money has left her account and was transferred out already. I went back to Sandy Spring Bank to lay more complaints and I was humiliated and insulted for my money by one of the female bankers. They kept on lying to me and never gave me my money and till today they held unto my money. You can audit my account with Sandy Spring Bank and ask them to provide evidence for the balance of my {$5000.00}. They never send any letter after the account closure as normal banks do. They stole my money and humiliated me deeply cause I'm old.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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:
FCRA found that Equifax Information Services violated the federal fair Credit Reporting by failing to conduct sufficient dispute investigations and ensure the maximum possible accuracy of the reported data. FCRA, constantly forward data often fails to adequately communicate the full scope of the FCRA which requires consumer agencies to investigate the accuracy of disputed information and takes steps to ensure consumers ' credit reports are accurate. FCRA violated the laws by using ineffective systems and flawed processes, and excessively deferring to furnishers to address disputes. FCRA, flawed on dispute practices and software coding, along with other failures, has caused false or incomplete information to remain on thousands of consumer reports that Equifax furnished to third parties. The FCRA reported my credit and failed to inadequately communicate the full scope of the problem. I would like for the following accounts to be removed from my credit report. Accounts : XX/XX/XXXXXXXX, XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-02-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: AR

Complaint narrative:
From XX/XX/XXXX through XX/XX/XXXX I've paid my rent on time every month. I was thinking about staying another year until someone broke into the rental which I made that clear to the rental company. I no longer was safe and no longer stayed past my original lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
i am filling a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timley 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 Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek the appropriate justice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: MD

Complaint narrative:
I am writing to request verification and validation of a debt that your company, XXXX XXXX, claims I owe. The debt is listed on my credit report under [ Account Number ], and I do not recognize the debt or the details associated with it.

Under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( 15 U.S.C. 1692g ), I am entitled to request verification of the debt within 30 days of your initial contact, which I am now exercising. In accordance with this provision, I request the following information : Proof that XXXX XXXX is the legal owner of this debt and has the right to collect it. 
The name and address of the original creditor to whom this debt was owed. 
The amount of the debt, including any interest, fees, or charges that have been added. 
A copy of the original signed agreement or contract that indicates I am legally obligated to repay this debt. 
A statement showing the current balance and how it was calculated. 
Documentation proving that this debt is not past the statute of limitations for collection, as per my state 's laws. 
Under the FDCPA Section 809 ( 15 U.S.C. 1692g ), if you do not provide the requested documentation, you are required to cease collection efforts, including reporting this debt to the credit bureaus, until you have properly validated the debt. 

Additionally, if you are unable to provide the required documentation or verification of this debt, I request that you remove this debt from my credit report with all three major credit bureaus ( Equifax, Experian, and TransUnion ), as you are legally prohibited from reporting an unverifiable debt. 

Please provide the requested documentation to me in writing within 30 days of receiving this letter. I also request that any future attempts to collect this debt be halted until proper validation is provided. 

Thank you for your prompt attention to this matter. I look forward to your response and a resolution to this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: MD

Complaint narrative:
I am writing to request verification and validation of a debt that your company, XXXX XXXX, claims I owe. The debt is listed on my credit report under [ Account Number ], and I do not recognize the debt or the details associated with it.

Under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( 15 U.S.C. 1692g ), I am entitled to request verification of the debt within 30 days of your initial contact, which I am now exercising. In accordance with this provision, I request the following information : Proof that XXXX XXXX is the legal owner of this debt and has the right to collect it. 
The name and address of the original creditor to whom this debt was owed. 
The amount of the debt, including any interest, fees, or charges that have been added. 
A copy of the original signed agreement or contract that indicates I am legally obligated to repay this debt. 
A statement showing the current balance and how it was calculated. 
Documentation proving that this debt is not past the statute of limitations for collection, as per my state 's laws. 
Under the FDCPA Section 809 ( 15 U.S.C. 1692g ), if you do not provide the requested documentation, you are required to cease collection efforts, including reporting this debt to the credit bureaus, until you have properly validated the debt. 

Additionally, if you are unable to provide the required documentation or verification of this debt, I request that you remove this debt from my credit report with all three major credit bureaus ( Equifax, Experian, and TransUnion ), as you are legally prohibited from reporting an unverifiable debt. 

Please provide the requested documentation to me in writing within 30 days of receiving this letter. I also request that any future attempts to collect this debt be halted until proper validation is provided. 

Thank you for your prompt attention to this matter. I look forward to your response and a resolution to this 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 2025-02-06 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: TX

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.

These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX - XXXX XXXXXX/XX/XXXXXXXX XXXX - XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXXXX/XX/XXXX- XXXXXX/XX/XXXX - XX/XX/scrub>/2023 XX/XX/XXXX - XX/XX/scrub>/2023 XX/XX/XXXXXX/XX/XXXX/2023 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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