vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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:
I recently reviewed a copy on my credit report, and noticed i hae fraudulent accounts on my report, please remove these accounts from my report, they are hurting my ability to obtain credit. 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 non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the inaccurate and inconsistent information appearing on my credit report. Upon reviewing my report, I have identified stark discrepancies in the reporting of negative items across the three major credit bureaus : XXXX, XXXX, and Equifax. These inconsistencies have had a detrimental impact on my credit score, and I firmly believe that these items have been reported falsely. I request their immediate investigation and removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the inaccurate and inconsistent information appearing on my credit report. Upon reviewing my report, I have identified stark discrepancies in the reporting of negative items across the three major credit bureaus : XXXX, Experian, and XXXX. These inconsistencies have had a detrimental impact on my credit score, and I firmly believe that these items have been reported falsely. I request their immediate investigation and removal.

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a formal complaint against Cash App ( Block , INC ) for inadequate customer service and unfair practices that violate the consumer financial protection ACT ( CFPA ) 12, U.S.C 5531 ( a ) Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected which constitutes a unfair and deceptive act or practice under the CFPA.

Furthermore cash app dispute resolution was both unfair and deceptive, they failed to comply with the error resolution requirements mandated by the electronic fund transfer ACT ( EFTA ), U.S.C 1693f, and its implementing regulation, regulation E, 12, C.F.R 1005. 11 Thee laws require financial institutions to investigate and resolve disputes promptly and in good faith, yet Cash APP failed to meet these obligations. These violations have caused significant inconvenience and financial loss. I am seeking appropriate redress for these violations of federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: AZ

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX, XXXX XXXX Subject : Formal Complaint Against XXXX for Ongoing Data Breach Issues, Identity Theft, and Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally dispute and file a complaint against XXXX for their failure to address my long-standing concerns regarding their data breach and its impact on my credit profile. I have repeatedly sent dispute letters to XXXX over the years regarding the misuse of my personal information due to their data breach, yet they have failed to respond or take corrective action. 
As a direct result of this breach, I have been a victim of identity theft. My credit report now contains false closed accounts, inaccurate addresses, incorrect employment information, and even false names that I have never used. These inaccuracies have significantly harmed my credit standing and financial well-being. 
Despite my ongoing efforts to communicate with XXXX, they have ignored my previous disputes, failed to provide proper investigation results, and have not corrected the errors on my report. This negligence violates the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. 
I am formally requesting that the CFPB intervene and take action to hold XXXX accountable for their lack of response and their failure to correct these errors. I am requesting the following : 1. A full investigation into XXXX handling of my disputes and why they have failed to respond. 
2. The immediate removal of all fraudulent and inaccurate information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: GA

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX 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! 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXXXXXX XXXX XXXX XXXX 


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 XXXX and It was never provided. 


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


Update 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 2025-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have a loan for XXXX. The interest rate is XXXX % apr which I think is high for me with a credit score of XXXX. So I have been making extra payments to pay the loan off faster but when I make payments BOA has been going back sometimes more than 30 days before last payment and charging me interest on a higher balance that I have already paid down.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am filing a claim complaint with the CFB regarding XXXX  did not properly investigate disputes and fails to remove or reinserts disputes, error on reports in timely manner using a credit consultant and wrong information on my report. They did not properly investigate or follow up credit advisors. With this when my credit was access it result in not being approved.

Withholding and not properly reporting my information to different consumer.

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 2025-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: OK

Complaint narrative:
This debt collector has not furnished the appropriate documents stating that the debt collector is owed said debt. I have requested a master purchase agreement from this debt collector showing proof that they have the legal right to go after this said debt. I have also asked for a record of all communication made for or about this debt and have not received anything. This debt collector should scrub any report containing this debt from all reporting agencies until the debt collector can properly prove they own this said debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Novo Platform Inc.
State: PA

Complaint narrative:
I've been waiting for atleast a month for my check that was sent to novo bank and they haven't told me the status or how much longer it can take, Novo bank has already said if any type of money was deposited into the account or was waiting to be accepted in the bank account it would be sent back or a check will be sent in the mail at the owners address on file, I've tried responding in different ways but they jsut send the same message over and over again and not tell me a status of when the check will arrive, they've also closed my account out of nowhere and didn't tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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 have not supplied proof under the doctrine of estoppel by silence, 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 explanation
Consumer complaint received 2025-01-29 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 accounts 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.

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 2025-01-29 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 HAVE PERSISTENTLY TRIED TO RESOLVE THIS MATTER WITH ALL THREE CREDIT REPORTING AGENCIES TO NO AVAIL, NOW I HAVE FILED AN TFC REPORT AND THIS TO RESOLVE MATTERS THAT SHOULD HAVE TAKEN NO MORE THAN 30 DAYS NOW IT HAS BEEN OVER 6 MONTHS

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 2025-01-29 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: NY

Complaint narrative:
I HAVE PERSISTENTLY TRIED TO RESOLVE THIS MATTER WITH ALL THREE CREDIT REPORTING AGENCIES TO NO AVAIL, NOW I HAVE FILED AN TFC REPORT AND THIS TO RESOLVE MATTERS THAT SHOULD HAVE TAKEN NO MORE THAN 30 DAYS NOW IT HAS BEEN OVER 6 MONTHS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
As directed by the Experian app, I have called their customer service line several times in XX/XX/year> to discuss an identify theft issue. I have been put on hold 30+ minutes 3 times ( after hearing a prompt I would be speaking to a human within 3 minutes ). I have never been transferred to a customer service specialist to address my issue. I have emailed Experian several times regarding the issue and have gotten no response. As I am paying {$24.00} for Experian 's service, I expect someone to help me with my issue.

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 2025-01-29 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: FL

Complaint narrative:
I have not supplied proof under XXXX 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 2025-01-29 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: FL

Complaint narrative:
I have not supplied proof under XXXX 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 explanation
Consumer complaint received 2025-01-29 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: CO

Complaint narrative:
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. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are 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 2025-01-29 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2025 Dispute Department Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear Experian Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report. 

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i.

Verify the validity of this charge-off directly with the original creditor.

Remove the item from my credit report if it can not be verified or is found to be inaccurate. 
Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report.

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days.

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response.

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made.

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, 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 2025-01-29 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: MI

Complaint narrative:
I am victim of identity theft and the XXXX data breach.The account does not belong to me and i have no knowledge of this account. 15usc1681b.

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 2025-01-29 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: MI

Complaint narrative:
I am victim of identity theft and the Equifax data breach.The account does not belong to me and i have no knowledge of this account. 15usc1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am unaware of this debt. 
I didn't have the opportunity to dispute this information. 
If you do believe that you gave me the proper notification, please send me the certified receipt with my signature and name on it. 
Also, my information was about a big data breach.

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 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
Navy Federal credit union is sending me a large amount of notifications through there secure messaging center after refusing to communicate in any form other than over the phone for several weeks/months. They have now blocked my access to the website. Due to a history of abusive phone calls, I have informed them multiple times I will not be communicating with them in writing. They are currently denying me access to a large amount of written messages. If history is any indication they do not want me gaining access to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: DE

Complaint narrative:
YES XXXX DID NOT ATTEMPT TO SEND ME FINAL NOTICE OF BALANCE OWED OF XXXX TO MY HOME ADDRESS ON FILE, REACHED OUT TO DEBT COLLECTION WHICH XXXX REFEREED ME TO, UPON CALLING THEY THREATENED ME TO MAKE A PAYMENT IN WHICH I HAVE NO IDEA NOR DID I RECIEVE ANY TYPE OF COMMUNICATION FROM XXXX WITH A BALANCE NOR A STATEMENT OF XXXX WHICH I WOULD HAVE GLADLY PAID WITHIN TIME FRAME. 
I DO NOT AGREE WITH BEING SENT TO COLLECTIONS WITHOUT A FINAL STATMENT NOTICE WITH THIS AMOUNT DISCLOSED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation