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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXX XXXX XXXX, XXXX, GA XXXX Subject : Formal Dispute and Notice of Civil Liability for Negligence Violation of 15 U.S. Code 1681o To Whom It May Concern, I am writing to formally dispute inaccurate and/or incomplete information contained in my credit report, which has been negligently reported and/or verified in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o ( Civil Liability for Negligence ).

Disputed Information Account Name : XXXX XXXX  Account Number : XXXX Inaccuracy : this account is charged off / written off Disputed Information : Account Name : XXXX XXXX  Account Number : XXXX Inaccuracy : this account is charged off / written off Disputed Information : Account Name : XXXX XXXX  Account Number : XXXX Inaccuracy : this account is charged off / written off Despite my previous dispute ( s ) regarding this matter, you have failed to conduct a reasonable investigation as required under 15 U.S. Code 1681i and have continued to report inaccurate information. This negligence has caused financial harm, including but not limited to : Denial of credit and financial opportunities Damage to my credit score and reputation Emotional distress and inconvenience Legal Violations Under 15 U.S. Code 1681o, any person or entity that negligently fails to comply with the FCRA is liable for actual damages sustained as a result of the failure, as well as the costs of litigation and attorneys fees. Your failure to correct these errors, despite clear evidence, constitutes negligent non-compliance with federal law.

Demand for Resolution To resolve this matter, I demand the following : Immediate removal/correction of the disputed item ( s ) from my credit file.

Written confirmation of the corrections made.

A detailed explanation of your investigation process and the evidence used to verify the disputed item.

If this matter is not resolved within 30 days as required under 15 U.S. Code 1681i, I will be forced to escalate this issue by : Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) Reporting this matter to the Federal Trade Commission ( FTC ) Seeking legal remedies in civil court, including claims for damages, legal fees, and other relief as provided under the FCRA.

I expect your prompt attention to this matter and look forward to your written response confirming the resolution of this dispute. Please send all correspondence to my address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
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 need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

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: IL

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

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: IL

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 explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
i had money in my citi bank account XXXX to be specific. then, i deposited a check with a large amount of XXXX the check cleared into my account. after the deposit, my account was then frozen and flagged for an odd reason, and citi bank wouldnt give me answers on when they can unfreeze my account. i already verified the check to the best of my abilities, but when i asked them if i can atleast go to the branch to take out my XXXX that i had in there prior, they are saying that they arent in control of that. i need my money im going through serious financial hardships right 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 2025-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I filed court papers with the court disputing any legal actions or amounts due because property broke lease agreement, refused rental payment from myself, so I moved from property on agreed date to avoid lockout, property damage, or any other legal actions from apartment owners. Company never responded to court papers filed about breaking the lease agreement. Harassment, as well as other illegal activities taking place. They threatened to report to credit agencies without proper legal process first. This has been ongoing now since I have moved from the property affecting my credit and ability to obtain new housing. This is predatory, illegal, and basically a retaliation tactic they have done before. My credit has been dropped from almost XXXX to XXXX XXXX point knock on my credit for illegal actions of this company. I have court papers showing I filed and summoned them to appear in court. Which they did not respond to. My credit should not be affected or in question because of this company 's actions of breaking a lease agreement, because they refused rent payments.

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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove the accounts from my report. They are hurting my ability to obtain credit

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 — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My identity has been stolen, and I am seeking your help AGAIN to swiftly remove these fraudulent items. I kindly request that you delete this specific item as soon as possible and ensure that all other incorrect details are promptly updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Banking with Wells Fargo I would use XXXX and if I accidentally sent the money to the wrong person and contacted the bank they would let me know that I basically just lost out on money and I made this mistake more often then I should have. However there were a lot of instances where I was put in situations where I couldnt take care of myself because of the mistake of sending money to the wrong person ( s ) Like in XXXX around XXXX I was sending my rent money through XXXX to my landlord and I send {$680.00} that I couldnt get back because I sent it to the wrong number when they didnt have the warning on the website or another time in XXXX in XXXX I tried to XXXX  my hairstylist {$250.00} and accidentally sent it to the wrong person and when I called the bank they told me it was mother they could do it was another time after I opened up a bank account with XXXX  XXXX XXXX when I accidentally XXXX  a random lady while trying to pay my nail lady it was XXXXXXXX XXXX XXXXXXXX and the amount was {$180.00} there was another time in XXXX when I XXXX  {$50.00} on my XXXX  XXXX XXXX account to the wrong person and when theses mistake I would be told to try to contact the person who received the money and ask them to give it back that way but it wouldnt work.

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: GA

Complaint narrative:
I am submitting this complaint regarding XXXXXXXX XXXX failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. Despite providing evidence to support my claims, XXXX has not taken the necessary steps t

o conduct a proper investigation, which violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). The inaccurate accounts in question are as follows : XXXX. XXXX XXXX Account # XXXX in the amount of {$8200.00} XXXX XXXX XXXX # XXXX in the amount of {$4000.00} XXXX XXXX XXXX Account # XXXX I have submitted disputes for these accounts and provided documentation to prove the information is either inaccurate or unverifiable. However, XXXX has e

ither failed to verify the information properly or has responded with generic " verified '' statements without explaining their investigation process or correcting the errors. This failure to conduct a reasonable investigation has caused harm to my credit score and financial well-being, affecting my ability to [ get approved for credit, loans, housing, etc. ]. I am requesting the following actions from XXXX through the CFPB : 1. Conduct a proper and thorough investigation into the accounts I've disputed. 2. Provide me with a detailed explanation of the steps they've taken to verify or correct the information. 3. Remove any inaccurate or unverifiable information from my credit report immediately. I am attaching all relevant documents, including
dispute letters, XXXXXXXX XXXX responses, and

supporting evidence, to this complaint for your review. Thank you for your assistance in addressing this matter and ensuring that XXXX complies to federal laws to protect consumers like me. 
Sincerely, XXXX XXXX

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against Transunion for failing to address my dispute regarding unauthorized inquiries within the legally mandated timeframe. On XX/XX/XXXX, I sent a detailed and time-stamped dispute letter ( attached ), supported by an FTC Identity Theft Report, requesting the removal of specific unauthorized inquiries from my credit report. Despite providing clear evidence and following proper procedures, Transunion has failed to acknowledge or resolve the issue. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), Transunion is required to investigate and correct disputed information within 30 days. It has now been over 90 days, and no corrective action has been taken, which constitutes a clear violation of the FCRA. The following inquiries were unauthorized and must be removed from my credit report : 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 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: NC

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit 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 non-monetary relief
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: GA

Complaint narrative:
Navy federal was wrongly over drafting and delaying posting payments.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 response to consumer: Closed with explanation
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: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
Sofi Bank closed my checking account without providing any reason. I have called customer service multiple times, but the issue has never been resolved. Additionally, the rewards from my credit card, which were converted into cash and placed in my Sofi Invest account, have also disappeared.

Company response to consumer: Closed with 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 using a debit or ATM card
Company: Block, Inc.
State: GA

Complaint narrative:
My CashApp account was deactivated by the company for no apparent reason. I had funds available but the was locked for " suspicious activity ''. I never received any other explanation and couldn't reach any one after my initial complaint XXXX  years ago.

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: Early Warning Services, LLC
State: GA

Complaint narrative:
Early Warning asked me to provide a statement or a reason why I feel my concern needs addressing. So instead I disputed this with XXXX Bank. I never had a account XXXX XXXX so this should not show on Early Warning Systems. I have attached the response from XXXX XXXX and the response from XXXX and wish to see my consumer report update

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: TX

Complaint narrative:
I am filling a complaint against Cash App ( Back.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 vnlnerable and unprotected. Furthermore, their dispute, resolution process was unfair and deceptive as they did not comply with error resolution requirement 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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 2025-01-29 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: TX

Complaint narrative:
After viewing my report, I observed unauthorized inquiries from various creditors. I am worried that these may be associated with identity theft or fraudulent actions. I respectfully ask that you look into these inquiries and eliminate them from my credit report if they can not be confirmed as authorized. I have included my correspondence with the Bureaus, yet these inquiries continue to appear on my current report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: GA

Complaint narrative:
I am writing to formally report incorrect information on my credit bureau, specifically regarding my XXXX loan accounts. Despite multiple disputes and attempts to resolve this issue, the inaccurate information remains reflected on my credit report. 

In XX/XX/year>, I received a report indicating a total of {$210000.00} in XXXX loans. I knew this information was incorrect, as my loans had been consolidated. After noticing the discrepancy, I immediately called the loan servicing company, and customer service assured me that they would address the issue. This was my third call regarding this matter, highlighting the ongoing nature of this problem. 

I subsequently submitted disputes with TransUnion, XXXX, and XXXX, providing documentation confirming my loan consolidation. Despite my efforts, I recently applied for additional XXXXt loans to further my XXXX career and discovered that TransUnion is still reporting these accounts as having outstanding balances. 

This situation not only misrepresents my financial standing but also jeopardizes my ability to secure educational funding necessary for my career advancement. I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure that my credit report accurately reflects my XXXX loan status. 

Thank you for your attention to this urgent issue. 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 non-monetary relief