vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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:
Failure to Investigate Properly 611 ( a ) Keep Repeatedly Reporting Inaccurate Information 623 ( a ) ( l ) Failure to Delete Inaccuracies 611 ( a ) ( 5 ) WILLFUL NON COMPLIANCE 616 Fraudulent Misrepresentation 623 ( a ) ( l ) ( B ) Failure to Provide VERIFICATION 609 ( a ) ( l ) You have REPEATEDLY VERIFIED AS ACCURACY ON ALL FRAUDULENT ACCOUNTS Please see ATTACHED DOCUMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Was scammed and wells fargo would not recover my money saying that it is " out of their control. ''

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 2025-01-28 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 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 2025-01-28 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: NY

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

As stated in my original letter, the address listed below are not associated with my residence history and must be removed : XXXX XXXX XXXX, XXXX XXXX XXXX, NY, XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX, NY, XXXX To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, New York XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate XXXX XXXX and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing regarding a credit inquiry on my report from XX/XX/year>. I want to be very clear that I have no knowledge of this inquiry, nor did I provide any authorization for your company to pull my credit. As such, I believe this to be a fraudulent and unauthorized inquiry.

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 2025-01-28 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: GA

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I recently reviewed my credit report and noticed inaccuracies related to an account with a company called Kickoff Lending, a service I was previously unaware of. My credit report reflects a charge-off of {$82.00}, including a {$10.00} late payment, which is incorrect. After investigating the matter further, I learned the following : 1. Account Details : This is not a credit card or traditional credit product. When I signed up, {$2.00} was deducted monthly to be placed into a savings account to build credit. I closed this account after one year.

2. Unauthorized Charges : Despite the account closure, I was charged a {$24.00} subscription fee and a {$60.00} service fee, both of which were unauthorized.

3. Contradictory Statements : When I contacted the company, they informed me that these charges did not need to be paid and were not expected to be paid. Yet, my credit report reflects a balance of {$84.00}, which has been charged off.

4. Errors in Reporting : It appears the account was not properly closed by the company, unauthorized charges were applied, and incorrect information was reported to the credit bureaus. 

This situation has negatively impacted my credit report and is causing me undue stress. I believe this may constitute fraudulent or negligent activity on the part of the company.

I am requesting that this matter be thoroughly investigated, the inaccuracies corrected, and the negative information removed from my credit report. Please let me know what steps I can take to resolve this issue and protect my credit. 

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

Sincerely, [ XXXX XXXX XXXX Let me know if youd like to adjust anything!

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Per the CFPB Law all information on my credit report should be 100 % accurate, 100 % verifiable, and 100 % timely. I have found multiple errors in my personal information section on my report. I have contacted the credit bureau to get this updated as soon as possible and I have yet to see that happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Per the CFPB Law all information on my credit report should be 100 % accurate, 100 % verifiable, and 100 % timely. I have found multiple errors in my personal information section on my report. I have contacted the credit bureau to get this updated as soon as possible and I have yet to see that happen.

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 2025-01-28 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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2025-01-28 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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
RE : Formal Complaint Regarding Incorrect Address Reporting Dear Sir or Madam, I am writing to formally complain about Experian 's continued reporting of an incorrect address on my credit report, despite previous attempts to dispute and resolve this matter. The address being reported is XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX, and it is not associated with me or my credit history. 
Background of the Issue : 1. 2. 3. I first disputed this incorrect address on XX/XX/year> following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). 
Despite submitting documentation to verify my correct address, Experian continues to report the inaccurate address on my credit report. 
This repeated inaccuracy is negatively impacting my credit profile and causing undue frustration. 
Correct Address : My correct address is as follows : XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX Documentation Provided : I have attached the following documents for verification purposes : 1. 2. 3. Copy of my drivers license or state-issued ID. 
Recent utility bill or bank statement showing my correct address. 
Previous correspondence regarding this dispute. 
Resolution Requested : I respectfully request that Experian : 1. 2. Immediately remove the incorrect address, XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX, from my credit report. 
Confirm the correction in writing and send me an updated credit report showing the changes. 
Escalation Notice : If this issue is not resolved within the 30-day period required by the FCRA, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and explore additional legal remedies. 
Thank you for your immediate attention to this matter. Please contact me at XXXX if you require additional information or documentation. 
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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint against Cash App 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 see proper redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I keep receiving phone calls about debt that I have no knowledge of, I have asked for validation that this debt is accurate and have tried disputing to no avail.

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 2025-01-27 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: CA

Complaint narrative:
I was extremely shocked and disappointed to find out that my credit report has been accessed without my authorization. Applications were submitted in my name, and companies pulled my credit report without my consent or knowledge. I do not recognize these inquiries, nor did I authorize or apply for anything related to them. This has left me feeling frustrated, disrespected, and deeply concerned about the 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 2025-01-28 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: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-01-28 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: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-01-27 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: DC

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to delayed posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially having 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 2025-01-27 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: TX

Complaint narrative:
The credit reporting agencies stated that a collection account was properly investigated and came back as verified. However, how is this true when I have explained to them numerous times that the account is not mine and should be removed from my credit report. 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 ) & 1681i ( 5 ) this account is inviolation. As a consumer, I request to know all the steps the credit reporting agencies took to insure that this item was 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification-Description of reinvestigation procedure.

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 2025-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Source Receivables Management LLC
State: LA

Complaint narrative:
I do not owe this debt. I have disputed this debt with XXXX  and it was resolved. I did not approve of allow them to sell or disclose my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: ResidentCollect, Inc.
State: FL

Complaint narrative:
excessive and repeated calls I need this collect removed off my credit report please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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 2025-01-27 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: FL

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX, Account # XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay. With the attached XXXX  they must all match in Year and Month and they are not to do so.

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 2025-01-27 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-01-27 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: KY

Complaint narrative:
Transunion has failed to fulfill disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer. its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed.

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