vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following personal information is incorrect DATE OF BIRTH : XXXX XXXX. Sample Reason XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Sample Reason XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Sample Reason XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. The status is incorrect for the following account XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The status is incorrect for the following account XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. The status is incorrect for the following account XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
In accordance with the Fair Credit Reporting Act, I hereby demand that these items be thoroughly investigated and promptly removed from my credit report. It is my understanding that you are required to verify these items with the relevant creditor. I kindly request that any information the creditor is unable to verify be deleted. I am aware that, under 15 U.S.C. Sec. 1681i ( a ), you are obligated to complete this reinvestigation within 30 days of receiving this letter. 
Please send an updated copy of my credit report to the address provided above. According to the law, no fee should be charged for this updated report. Additionally, I would like to request that you notify any recipients of my credit report in the past six months about the corrections made. 
Thank you for your attention and assistance in resolving this matter.

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 2025-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
The company called me XXXX times a day sometimes back to back even after being asked not to call during work hours. They have called daily for over a year now.

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 2025-01-25 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: NY

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

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 2025-01-25 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: PA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a through investigation. This practice violates the Fair Credit Reporting Act FCRA, 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the CFPA 12 U.S.C. 5536 ( a ) ( A ) ( 1 ) - ( B ) as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: NC

Complaint narrative:
I have learned that my credit report contains some incorrect information. I am requesting that the three bureaus remove this incorrect information. Such misinformation damages my credibility. If the three bureaus do not take action, I am prepared to file a case against them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: GA

Complaint narrative:
There have been several accounts that appear on my credit report that doesnt belong to me. I have attempted multiple times to clear this matter up but to no avail. 15 USC 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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:
There have been several accounts that appear on my credit report that doesnt belong to me. I have attempted multiple times to clear this matter up but to no avail. 15 USC 1681

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have been trying to inform all three credit reporting agencies about inaccurate information being reported on my credit report. They have not shown me the method or the proof of how they are validating that the information is correct or mine. It is still showing up on my credit report. I tried working with them and they did not properly investigate my accounts. I have numerous attempts to clear this inaccurate information. I asked them to delete and they refused to comply with the Credit Fair Act. 

XXXX XXXX {$3700.00} Account number XXXX date opened XXXX XXXX, XXXX Dept Education {$13000.00} Account XXXX opened on XXXX XXXX, XXXX XXXX XXXX {$1300.00} Account number XXXX opened XXXX, XXXX XXXX XXXX XXXX {$1100.00} Account number XXXX opened on XXXX XXXX, XXXX XXXX XXXX {$2300.00} Account number XXXX open 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 2025-01-25 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: NV

Complaint narrative:
I have been trying to inform all three credit reporting agencies about inaccurate information being reported on my credit report. They have not shown me the method or the proof of how they are validating that the information is correct or mine. It is still showing up on my credit report. I tried working with them and they did not properly investigate my accounts. I have numerous attempts to clear this inaccurate information. I asked them to delete and they refused to comply with the Credit Fair Act. 

XXXX XXXX {$3700.00} Account number XXXX date opened XXXX XXXX, XXXX Dept Education {$13000.00} Account XXXX opened on XXXX XXXX, XXXX XXXX XXXX {$1300.00} Account number XXXX opened XXXX, XXXX XXXX XXXX XXXX {$1100.00} Account number XXXX opened on XXXX XXXX, XXXX XXXX XXXX {$2300.00} Account number XXXX open XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: UPGRADE, INC.
State: TX

Complaint narrative:
i was reviewing my consumer reports and realizing that i have several inquiries from unknown companies that do not have my permission to report anything on my report my personal information has been compromised and breached which could constitute aggravated identity theft pursuant to 18 usc 1028a, the company in addition to civil liability. By obtaining my credit report without permission or permissible purpose by law is in violation of fair credit reporting act 15 usc 1681 b ( a ) 3 ( f ) ( i ) XXXX XXXX XXXX, XXXX. supp XXXX XXXX they are also in violation of 15 usc 1681n ( a ) g

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: MO

Complaint narrative:
These are the inaccurate accounts 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of edXXXX Dept of ed XXXX XXXX Dept of edXXXX Dept of edXXXX XXXX Dept of ed XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: Kovo
State: MO

Complaint narrative:
On XX/XX/25 I was received notifications saying I got a late payment from a credit building company called Kovo. I had a subscription with them but which I positively thought I cancelled but they say I didnt, It was so hard trying to get in contact with them and I asked to speak with a manager but the only way you can communicate is through email so no manager ever contacted me and that late payment is still on my report and want that account cancelled

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I was working as a XXXX with a partner who began to do bad deals and I walked away from him and that journey on XX/XX/year> I asked for the money I was promised to receive for my work but was never given, so therefore I had to miss my payment of {$460.00} to XXXX XXXX XXXX. I called XXXX XXXX XXXX but I couldnt get an extension, I also called the 3 credit bureaus to remove that late payment on my credit report but I was denied and some times I heard nothing back from XXXX, TransUnion, XXXX, and 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 2025-01-25 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I was working as a XXXX with a partner who began to do bad deals and I walked away from him and that journey on XX/XX/year> I asked for the money I was promised to receive for my work but was never given, so therefore I had to miss my payment of {$460.00} to XXXX XXXX XXXX. I called XXXX XXXX XXXX but I couldnt get an extension, I also called the 3 credit bureaus to remove that late payment on my credit report but I was denied and some times I heard nothing back from XXXX, XXXX, Equifax, and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am writing to formally dispute the ongoing deceptive and unlawful practices your institution has engaged in regarding my consumer accounts and reports. Despite my previous disputes, Navy Federal has failed to respond adequately and continues to violate my consumer rights under federal law. 

In XX/XX/XXXX, Idisputed an inaccurate late payment on my consumer report and requested the procedures used to ensure maximum accuracy under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( a ). To date, I have received no response addressing my procedural request, which constitutes willful noncompliance. 

On XX/XX/XXXX, I submitted another dispute regarding Navy Federal 's violation of state usury laws, citing that the credit union has been overcharging and exceeding the maximum allowable interest rate. Additionally, I inquired about unauthorized and fraudulent transfers from my personal checking account ( ending in XXXX ) to account ( ending in XXXX ) without my consent. 
Despite my demand for Navy Federal to cease and desist these unauthorized transfers, funds were fraudulently debited on the following dates : XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX These transactions are in direct violation of the Electronic Funds Transfer Act ( EFTA ), 15 U.S.C. 1693, and Regulation E.

Additionally, Navy Federal has shared my nonpublic personal information related to accounts ending in XXXX and XXXX with third parties without my explicit consent and without providing the required opt-out documentation, violating the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801-6809.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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 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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dispute of Civil Liability for Negligence ( Case Number : XXXX I am writing to formally dispute the claim of civil liability for negligence associated with case number XXXX. It is my position that I am not liable for the allegations presented, and I wish to outline my reasons for this dispute. 

Firstly, it is essential to clarify the details surrounding the incident in question. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I filed claims/disputes with XXXX and TransUnion regarding unauthorized credit inquiries on my credit file, and they failed to resolve the issue with negligence. My credit score has been affected by these unauthorized inquiries and as of today the problem has not been fixed. The actions taken on my part were reasonable and within the expected standard of care under the circumstances. 

I respectfully request that you review this information and reconsider the claim of negligence. I am open to discussing this matter further and hope to resolve this issue amicably. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  United States RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge account 2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, 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