vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 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: CA

Complaint narrative:
I was checking my credit report for accuracy and i found a lot of fraudulent inquiries on my credit report that was not authorized. I have been a victim of identity theft and i have made this report to dispute all the fraudulent activities on my report and was opened a while ago without my consent. Please dispute and remove all fraudulent activities from my credit reporXXXX 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 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 2025-02-23 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: CA

Complaint narrative:
I was checking my credit report for accuracy and i found a lot of fraudulent inquiries on my credit report that was not authorized. I have been a victim of identity theft and i have made this report to dispute all the fraudulent activities on my report and was opened a while ago without my consent. Please dispute and remove all fraudulent activities from my credit reporXXXX 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Tried getting a loan for my first car, kept getting denied even with a good credit score. Ive asked numerous times why this is happening but no one could give me an answer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX SYNCB/PPC Account number : XXXX Amount : {$650.00} Open/Closed : Closed I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau.

I am disputing this claim due to : 15 usc 1692c If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.

This is my official request to have the aforementioned item to be deleted off my credit report. 

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 2025-02-23 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: TN

Complaint narrative:
Subject : Urgent Request for Account Deletion Due to Inaccurate Reporting To Whom It May Concern, I am writing to formally request the immediate deletion of the following accounts from my credit report due to inaccurate and potentially illegal reporting practices : 1. Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Charged off as bad debt Balance : {$3200.00} Status Updated : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Status : Charged off as bad debt Balance : {$3000.00} Status Updated : XX/XX/XXXX XXXX. Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Status : Charged off as bad debt The designation of these accounts as " charged off '' without any verifiable payment history is misleading and may violate several provisions of the Fair Credit Reporting Act ( FCRA ), specifically : - Section 602 ( a ) : Requires that consumer reporting agencies adopt reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. - Section 607 ( b ) : Mandates that if a consumer reporting agency receives a notice of dispute from a consumer, it must conduct a reasonable investigation. - Section 609 ( a ) ( 1 ) : Grants consumers the right to obtain all information in their file at the time of their request, including the sources of the information. Given the absence of payment history and the significant discrepancies in the reporting of these accounts, I urge your office to take immediate action to remove them from all reporting agencies and credit bureaus. I expect written confirmation of the deletion of these accounts within 30 days, as stipulated by the FCRA. Please deliver all communication and confirmation to my email at XXXXXXXX XXXX XXXX XXXX XXXXXXXX ). Additionally, I can be reached by phone at XXXX. Please consider this request with the urgency it deserves, as it directly impacts my financial well-being. I appreciate your prompt attention to this matter. Thank you for your cooperation. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: TN

Complaint narrative:
Subject : Urgent Request for Account Deletion Due to Inaccurate Reporting To Whom It May Concern, I am writing to formally request the immediate deletion of the following accounts from my credit report due to inaccurate and potentially illegal reporting practices : 1. Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Charged off as bad debt Balance : {$3200.00} Status Updated : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Status : Charged off as bad debt Balance : {$3000.00} Status Updated : XX/XX/XXXX XXXX. Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Status : Charged off as bad debt The designation of these accounts as " charged off '' without any verifiable payment history is misleading and may violate several provisions of the Fair Credit Reporting Act ( FCRA ), specifically : - Section 602 ( a ) : Requires that consumer reporting agencies adopt reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. - Section 607 ( b ) : Mandates that if a consumer reporting agency receives a notice of dispute from a consumer, it must conduct a reasonable investigation. - Section 609 ( a ) ( 1 ) : Grants consumers the right to obtain all information in their file at the time of their request, including the sources of the information. Given the absence of payment history and the significant discrepancies in the reporting of these accounts, I urge your office to take immediate action to remove them from all reporting agencies and credit bureaus. I expect written confirmation of the deletion of these accounts within 30 days, as stipulated by the FCRA. Please deliver all communication and confirmation to my email at XXXXXXXX XXXX XXXX XXXX XXXXXXXX ). Additionally, I can be reached by phone at XXXX. Please consider this request with the urgency it deserves, as it directly impacts my financial well-being. I appreciate your prompt attention to this matter. Thank you for your cooperation. Sincerely, 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 explanation
Consumer complaint received 2025-02-23 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: CA

Complaint narrative:
I was checking my credit report for accuracy and i found a lot of fraudulent inquiries on my credit report that was not authorized. I have been a victim of identity theft and i have made this report to dispute all the fraudulent activities on my report and was opened a while ago without my consent. Please dispute and remove all fraudulent activities from my credit reporXXXX 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 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 2025-02-23 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 2025-02-23 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: TN

Complaint narrative:
Subject : Urgent Request for Account Deletion Due to Inaccurate Reporting To Whom It May Concern, I am writing to formally request the immediate deletion of the following accounts from my credit report due to inaccurate and potentially illegal reporting practices : 1. Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Charged off as bad debt Balance : {$3200.00} Status Updated : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Status : Charged off as bad debt Balance : {$3000.00} Status Updated : XX/XX/XXXX XXXX. Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Status : Charged off as bad debt The designation of these accounts as " charged off '' without any verifiable payment history is misleading and may violate several provisions of the Fair Credit Reporting Act ( FCRA ), specifically : - Section 602 ( a ) : Requires that consumer reporting agencies adopt reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. - Section 607 ( b ) : Mandates that if a consumer reporting agency receives a notice of dispute from a consumer, it must conduct a reasonable investigation. - Section 609 ( a ) ( 1 ) : Grants consumers the right to obtain all information in their file at the time of their request, including the sources of the information. Given the absence of payment history and the significant discrepancies in the reporting of these accounts, I urge your office to take immediate action to remove them from all reporting agencies and credit bureaus. I expect written confirmation of the deletion of these accounts within 30 days, as stipulated by the FCRA. Please deliver all communication and confirmation to my email at XXXXXXXX XXXX XXXX XXXX XXXXXXXX ). Additionally, I can be reached by phone at XXXX. Please consider this request with the urgency it deserves, as it directly impacts my financial well-being. I appreciate your prompt attention to this matter. Thank you for your cooperation. Sincerely, 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 explanation
Consumer complaint received 2025-02-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX from XXXX XXXX XXXX is NOT MINE. I want it removed from my credit report. I tried disputing it from experian. My identify was stolen i even made a police report. I even called social security administration. I only owe 2 banks, XXXX XXXX, and XXXX XXXX. My report on XXXX XXXX, and XXXX XXXX have XXXX XXXX XXXX listed on collections.

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 2025-02-23 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:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX GA XXXX ] [ XXXX ] XXXX [ XX/XX/year> ] [ XXXX ] [ XXXX XXXX XXXX ] [ XXXX Georgia XXXX ] Subject : Dispute of Civil Liability for Negligence Non-Compliance with Section 1681O Dear CFPB I am writing to formally dispute the allegation of civil liability for negligence under Section 1681O, as outlined in the notice I received from your office dated [ insert date of the notice ]. I believe this claim is unjustified and wish to present the following grounds for my dispute : Non-Compliance with Section 1681O According to Section 1681O of the relevant statute, a party may be held liable for negligence if they fail to comply with specific regulatory requirements. I assert that I have adhered to all applicable requirements, and there is no evidence supporting the claim that I failed to comply with the stated obligations. 

Factual Inaccuracy The notice you have issued suggests that [ specific action or inaction ] has led to the breach in question. However, this assertion is based on inaccurate or incomplete information. [ Describe the factual inaccuracies in the allegation, including any steps you took to comply or prevent non-compliance. ] Mitigating Circumstances If any issues related to compliance arose, I would like to highlight that [ provide any mitigating circumstances, such as technical difficulties, delays beyond your control, or any good-faith efforts to resolve the matter ]. 

Lack of Proper Notice It is also my belief that proper notice or adequate opportunity to rectify any alleged issues was not given, which is a required component of compliance under the relevant legal framework. 

Given the above, I respectfully request that you reconsider the assertion of negligence under Section 1681O and withdraw the claim for civil liability. I would appreciate the opportunity to discuss this matter further to reach a resolution. Please provide any additional documentation or evidence that supports your claim for review.

Please confirm receipt of this letter and notify me of your next steps. I look forward to your prompt response. Please remove the following items from my credit report immediately. XXXX XXXX, XXXX XXXX XXXX XXXX CO XXXXXXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-23 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: EQUIFAX, INC.
State: OH

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: OH

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I made a chime account because I needed a bank for my XXXX benefits so I thought I could trust chime it being a bank and there were just non stop unauthorized transactions and they always allowed me to file a dispute but never resolved any unauthorized transactions that occurred I have documentation and evidence from the merchants through via email explaining what has occurred and that the transactions were unauthorized. I was not able to summit them due to them closing my account to stop any resolution in my case. Which is honestly illegal I provided evidence police report numbers etc and still nothing was resolved they dont help there customer they allow people to hack into peoples accounts and drain there wallets then give you the run around for weeks I had unauthorized transactions with XXXX and they returned my money next day .theres no excuse to take over 2 months to resolve my case its like nobodys even trying to help people resolve these fraudulent charges and I want chime to fix this and return my stolen funds which were used on my chime account totaling over XXXX XXXX dollars. In unauthorized transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: CA

Complaint narrative:
I was checking my credit report for accuracy and i found a lot of fraudulent inquiries on my credit report that was not authorized. I have been a victim of identity theft and i have made this report to dispute all the fraudulent activities on my report including a credit card account that was opened a while ago without my consent. Please dispute and remove all fraudulent activities from my credit report. 
Account XXXX XXXX XXXX Inquiries XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/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 2025-02-23 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: MN

Complaint narrative:
I sent a police report and Federal Trade Commission ( FTC ) Identity Theft Report to Experian and Equifax for an existing problem and errors on my Experian and Equifax credit report that has not been corrected or resolved. The following credit card accounts and inquiry currently listed on my Experian and Equifax credit report, is fraudulent, not my accounts and the result of identity theft : XXXX XXXX XXXX XXXXXXXX, {$1000.00}, XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXXXXXX XXXX  XXXX {$390.00} XXXX XXXX XXXX XXXX XXXX {$1500.00}, XXXX XXXX XXXX, {$860.00} XXXX XXXX XXXX, {$430.00} and hard inquiry : XXXX XXXX, XX/XX/year>

Company response to consumer: Closed with explanation