vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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: GA

Complaint narrative:
To Whom It May Concern, This letter is to inform you that you have unlawfully reported a debt on my credit report. Under the new Regulation F rule that began on XX/XX/year>, your company, { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX }, has violated the Fair Debt Collection Practices Act ( FDCPA ) XXXX ( a ) by placing this debt on my report without my permission. Please immediately stop reporting this debt. If you do not comply, I will take legal action. I have not given you written consent to place anything on my credit report ( 15 USC 1681b ( 2 ) ), and you have no lawful reason to share my personal information with third parties. Your actions may amount to aggravated identity theft, which can lead to criminal penalties ( 18 U.S.C. 1028A ). Cease all communication about this debt as required by law ( 15 USC 1692c ( c ) ), and promptly delete it from all consumer reporting agencies. Reporting inaccurate, incomplete, or misleading information harms my reputation and ability to get credit. Your inaccurate reporting has negatively affected my livelihood. Under 15 U.S.C. 1681s2, as a furnisher of information, you are legally required to ensure that the information you provide to credit agencies is accurate. Reporting information you know to be wrong is prohibited. In conclusion, you are on notice that this information is inaccurate. You must delete this account from my credit report within 10 days or face legal action under 15 USC 1681n, 15 USC 1681o, and 15 USC 1692k. I am requesting a free copy of my report showing the deletion of this account. Failure to respond satisfactorily will result in legal actions, and I will seek damages of {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Enablement of Identity Fraud 3. FDCPA violations under 15 USC 1692g 4. FCRA violations for willful noncompliance 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 2025-01-21 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: GA

Complaint narrative:
To Whom It May Concern, This letter is to inform you that you have unlawfully reported a debt on my credit report. Under the new Regulation F rule that began on XX/XX/year>, your company, { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  }, has violated the Fair Debt Collection Practices Act ( FDCPA ) XXXX ( a ) by placing this debt on my report without my permission. Please immediately stop reporting this debt. If you do not comply, I will take legal action. I have not given you written consent to place anything on my credit report ( 15 USC 1681b ( 2 ) ), and you have no lawful reason to share my personal information with third parties. Your actions may amount to aggravated identity theft, which can lead to criminal penalties ( 18 U.S.C. 1028A ). Cease all communication about this debt as required by law ( 15 USC 1692c ( c ) ), and promptly delete it from all consumer reporting agencies. Reporting inaccurate, incomplete, or misleading information harms my reputation and ability to get credit. Your inaccurate reporting has negatively affected my livelihood. Under 15 U.S.C. 1681s2, as a furnisher of information, you are legally required to ensure that the information you provide to credit agencies is accurate. Reporting information you know to be wrong is prohibited. In conclusion, you are on notice that this information is inaccurate. You must delete this account from my credit report within 10 days or face legal action under 15 USC 1681n, 15 USC 1681o, and 15 USC 1692k. I am requesting a free copy of my report showing the deletion of this account. Failure to respond satisfactorily will result in legal actions, and I will seek damages of {$1000.00} per violation for : XXXX. Defamation of Character XXXX. Negligent Enablement of Identity Fraud 3. FDCPA violations under 15 USC 1692g 4. FCRA violations for willful noncompliance Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-01-21 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 cashapp ( 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 redres for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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 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 Funds 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 2025-01-21 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: MI

Complaint narrative:
I am writing to lodge a formal complaint against Navy Federal Credit Union concerning the multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to the lag in posting charges and credits. This issue is in line with the recent CFPB findings against Navy Federal for similar practices, where transactions were 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 2025-01-21 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: IN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-21 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: CA

Complaint narrative:
I am extremely frustrated and deeply concerned about the inaccuracies and incomplete information on my credit report. Despite my repeated requests to have these errors corrected, they continue to go unaddressed, and my credit score is unfairly suffering as a result. This situation is not only unfair but also a clear violation of my rights as a 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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX did not investigate in a timely manner Not responded to my requests TransUnion did not investigate in a timely manner. 
Did not respond to my requests

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 2025-01-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report in light of my rights under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). Furthermore, due to the recent data breach involving XXXX, I am deeply concerned that this misinformation may be a direct result of unauthorized access or compromise of my personal information. The following accounts are inaccurate and require immediate attention : XXXX. XXXX XXXX XXXX - XXXX XXXX. Capital One - XXXX XXXX. Captial One XXXX XXXX XXXX. XXXX - XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX - XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inaccuracy Description : These accounts are reported as delinquent when no such payments are due. Requested Resolution : I demand this item be verified or immediately removed from my credit report. Given the data breach, I have reason to believe that errors on my credit report may be related to identity theft or unauthorized use of my personal information. Under the FCRA, you are required to investigate and verify the accuracy of all disputed items, especially when they may result from a security breach. I demand that you investigate these inaccuracies and provide written confirmation of your findings within the legally mandated 30-day timeframe. If the disputed items can not be verified as accurate, they must be deleted immediately. Failure to comply may result in escalation to the Consumer Financial Protection Bureau ( CFPB ) or legal action. Given the circumstances surrounding the data breach and the potential misuse of my personal information, I expect this matter to be treated with urgency and diligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report in light of my rights under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). Furthermore, due to the recent data breach involving XXXX, I am deeply concerned that this misinformation may be a direct result of unauthorized access or compromise of my personal information. The following accounts are inaccurate and require immediate attention : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Wells Fargo - XXXX XXXX. XXXX - XXXX XXXX. WFBNA - XXXX Inaccuracy Description : These accounts are reported as delinquent when no such payments are due. Requested Resolution : I demand this item be verified or immediately removed from my credit report. Given the data breach, I have reason to believe that errors on my credit report may be related to identity theft or unauthorized use of my personal information. Under the FCRA, you are required to investigate and verify the accuracy of all disputed items, especially when they may result from a security breach. I demand that you investigate these inaccuracies and provide written confirmation of your findings within the legally mandated 30-day timeframe. If the disputed items can not be verified as accurate, they must be deleted immediately. Failure to comply may result in escalation to the Consumer Financial Protection Bureau ( CFPB ) or legal action. Given the circumstances surrounding the data breach and the potential misuse of my personal information, I expect this matter to be treated with urgency and diligence.

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 2025-01-21 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report in light of my rights under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). Furthermore, due to the recent data breach involving XXXX, I am deeply concerned that this misinformation may be a direct result of unauthorized access or compromise of my personal information. The following accounts are inaccurate and require immediate attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. CBNA - Best Buy - XXXX XXXX. XXXX XXXX - XXXX XXXX. Macys - XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inaccuracy Description : These accounts are reported as delinquent when no such payments are due. Requested Resolution : I demand this item be verified or immediately removed from my credit report. Given the data breach, I have reason to believe that errors on my credit report may be related to identity theft or unauthorized use of my personal information. Under the FCRA, you are required to investigate and verify the accuracy of all disputed items, especially when they may result from a security breach. I demand that you investigate these inaccuracies and provide written confirmation of your findings within the legally mandated 30-day timeframe. If the disputed items can not be verified as accurate, they must be deleted immediately. Failure to comply may result in escalation to the Consumer Financial Protection Bureau ( CFPB ) or legal action. Given the circumstances surrounding the data breach and the potential misuse of my personal information, I expect this matter to be treated with urgency and diligence.

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX, MI. XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute Regarding Experians Mishandling of Credit Report Investigation To Whom It May Concern : I am writing to formally file a dispute with the Consumer Financial Protection Bureau regarding the sham investigations conducted by Experian in response to my attempts to correct errors on my credit report. These errors pertain to an accounts listed under XXXX XXXX XXXXXXXX XXXX account number XXXX. XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX  bankruptcy account number XXXX Despite multiple attempts to dispute these inaccuracies, Experian has failed to conduct a thorough and proper investigation as required by the Fair Credit Reporting Act ( FCRA ). The credit reporting agency has continuously upheld incorrect information on my credit report, causing undue harm to my financial reputation and well-being. 

Below are the key issues I have encountered : 1. Failure to Perform a Meaningful Investigation : Experian has not provided any substantive evidence to support its conclusions in my disputes. Its responses lack transparency and fail to address the specific evidence and details I provided.

2. Verification Procedures Appear Inadequate : It appears Experian merely rubber-stamped the creditors data without properly verifying its accuracy. This behavior demonstrates a lack of compliance with the obligations outlined under the FCRA. 
3. Ongoing Damages : The inaccurate reporting of this account has adversely impacted my credit score and ability to secure financial opportunities. 

I kindly request that the CFPB intervenes and investigates Experians dispute-handling process in this matter. 

I ask the CFPB to hold Experian accountable for its obligations under the FCRA and to ensure that my credit report reflects accurate and verified information. Additionally, I request a formal review of Experians investigation practices regarding disputes to prevent such issues from recurring in the future.

Thank you for your time and assistance. I look forward to your response and resolution of this matter. 

Sincerely, 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 2025-01-21 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: PA

Complaint narrative:
XX/XX/XXXXhard inquiryXX/XX/XXXXXX/XX/XXXX hard inquiry XX/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 2025-01-21 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: GA

Complaint narrative:
Help me create a dispute letter using the law 16810 not responding and investigating in a timely manner Experian

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 2025-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: FL

Complaint narrative:
Bounce AI is falsely reporting a collection account on my credit report. I have no knowledge of debt. Validation of debt was request from company with original creditor payments history and any person/persons involved In debt but was not giving information as required My ssn was used in a data breach by republic date and this inquiry is a result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MD

Complaint narrative:
Im not sure of the exact dates. It was probably about six years ago. I had an account with XXXX for a cell phone and I canceled my plan with them because XXXX had all these extra fees, and the bill was way too highand I was supposed to send the phone back. They sent me a prepaid packing box to send the phone back. I sent the phone back in the prepaid box that they sent me and they started sending me a bill saying that I never sent the phone back. I absolutely sent the phone back and I dont think that I have to pay for a phone that I know I sent back to them. Its been at least six years and they keep updating my credit report every month and it looks like its a new debt. They sold the debt to Jefferson capital. I did not authorize them to do that and I am not going to pay for a phone that I mailed back to them in the prepaid box that they gave me.

Company response to consumer: Closed with explanation