vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has failed to fulfill 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 Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnisher, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and 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 explanation
Consumer complaint received 2025-01-30 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: HI

Complaint narrative:
I am a victim of Equifax data breach and Identity Theft. Kindly block and delete the account within XXXX business days as required by FCRA 605B, 15 USC 1681c-2. Please see the attached FTC reports and other relevant documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sunbit, Inc.
State: FL

Complaint narrative:
I am writing to formally dispute an unauthorized account that has appeared on my XXXX credit report. I believe I am a victim of identity theft, as this account does not belong to me. The account is listed solely on XXXX and does not appear on my XXXX or XXXX reports, which strongly suggests it XXXX be fraudulent. 

The account in question is : Account Number : XXXX Company Name : XXXX XXXX XXXX : Installment Account Amount : {$120.00} Company Address : XXXX XXXX XXXX, Suite XXXX, XXXX XXXX XXXX CA XXXX I have no knowledge of or affiliation with XXXX, nor have I authorized any transactions with them. This account appears to have been opened without my consent or awareness, and I suspect it is a result of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. Section 1681i, I request that XXXX investigate and remove this unauthorized account from my credit report. This account is not valid, and its presence is negatively affecting my credit profile. 

To support my claim, I will be providing a police report and an FTC Identity Theft Report, which document the details of this fraudulent activity. I ask that these documents be reviewed in conjunction with my request to remove the unauthorized account. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please notify me once the account has been investigated and removed from my credit report. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estopel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX i presume that no proof of the alleged dept, nor therefore any such dept, in fact therefor 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 2025-01-30 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estopel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX i presume that no proof of the alleged dept, nor therefore any such dept, in fact therefor 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 2025-01-30 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 2025-01-30 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: CT

Complaint narrative:
Dispute of Accounts Reported in 2024 Dear XXXX, I am writing to formally dispute all accounts listed on my credit report from the year 2024. I believe these accounts to be inaccurate or unverified, and I request that they be thoroughly investigated and removed from my credit file. 

Please provide the details of each account in question, including the name of the creditor, the account number, and any supporting documentation that verifies the accuracy of the reporting. I also request that you provide an update on the status of the investigation within the timeframe allowed by law. 

For your reference, I have included a copy of my current credit report with the disputed accounts highlighted. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I understand I am entitled to a resolution within XXXX  days of receiving this letter. Should the accounts remain unresolved or not be verified, I expect them to be removed from my credit file. 

Please notify me in writing with the results of your investigation. If you need further information or documentation, feel free to contact me. 

Thank you for your attention to 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 2025-01-30 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:
XXXX XXXX XXXX XXXX XXXX XXXX, TN, XXXX XXXX XXXX XX/XX/year> Experian, XXXX XXXX XXXX, XXXX, TX XXXX Subject : Dispute of Reinserted Account - Request for Removal Dear Experian, I am writing to formally dispute the reinsertion of a previously deleted account on my credit report. Upon reviewing my latest credit report, I noticed that XXXX XXXX XXXX ( Original Creditor - webbank XXXX ) Account Number XXXX has been reinserted after it was previously deleted following a dispute. 

Under the Fair Credit Reporting Act ( FCRA ), if an account is reinserted, the credit bureau must notify me within XXXX business days and provide certification of accuracy from the creditor. I did not receive any such notification, which is a violation of my rights under the FCRA. 

I request the immediate removal of this account from my credit report unless the creditor can provide verifiable proof that the information is accurate and was properly reinserted with the required certification. Please provide me with a copy of the reinvestigation results and certification of accuracy, as required by law. 

Enclosed are copies of my previous dispute letter, the the credit bureaus response confirming the deletion, and any other relevant documentation for your reference. 

Please complete this reinvestigation within the legally required XXXX timeframe and provide written confirmation of your findings. If this can not be verified, I expect it to be permanently removed from my credit report. Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: VA

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 lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 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 2025-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX XXXX about a Capitol one bill that was not on my credit report. I was told they were the collection company for Capitol one. I asked to a pay for deletion or XXXX balance letter and I was told that they don't offer that. I was told the only option was to pay the bill in full. Yet after speaking with many other they told me they had the same company and they were able to get a settlement offer. The account was from a few years ago so I'm sure it was written out so I should have got a XXXX schedule for this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-30 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: MN

Complaint narrative:
I requested that Experian, XXXX, and XXXX to remove unmailable addresses and unreachable phone numbers and improper names off my consumer credit report that was not done. There should only be XXXX name XXXX mailable address and XXXX phone number and employment on file. 
Pursuant to the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Privacy Act of 1974, 5 U.S.C. 552a, I am formally requesting the removal of all unmailable addresses and personal names from my credit report. Additionally, I am invoking my rights under applicable Code of Federal Regulations ( CFR ) provisions to ensure that my private information is not improperly retained or disseminated. 
According to 39 CFR 111.5 and 39 U.S.C. 3001, unmailable addresses should not be maintained in records that affect consumer reporting. Please ensure the immediate deletion of any such entries from my credit file.

Under the Privacy Act of 1974 ( 5 U.S.C. 552a ( e ) ( 7 ) ), federal agencies and entities handling personal data must ensure the accuracy, relevance, timeliness, and completeness of records. The maintenance of outdated or incorrect addresses constitutes a violation of these principles. 
16 CFR Part 601 mandates credit reporting agencies to take reasonable steps to ensure consumer reports are accurate and up to date. Failure to do so exposes the agency to potential civil liabilities.

As per 15 U.S.C. 1681c, obsolete information must be excluded from consumer reports. Any name variations or incorrect names should be immediately deleted to prevent inaccuracies and fraudulent misuse.

The Fair and Accurate Credit Transactions Act ( FACTA ), which amends the FCRA, grants consumers the right to request the removal of incomplete or incorrect personal data ( 15 U.S.C. 1681i ( a ) ).

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 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My phone and wallet went missing and stuff started popping up on my credit file and bank file that I didn't recognize. I recently received paperwork from my consumer file stating transactions were did to my account. I don't recognize the transactions and they are unauthorized and fraudulent. Also the consumer report file stated that my telephone number was XXXX and the telephone number I had with the account was XXXX. I never authorized anyone to speak on my behalf or do anything to my account. I believe I am a victim of identity theft and a victim of fraud.

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 2025-01-30 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: DE

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 2025-01-30 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: DE

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 explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
Approx. in XXXX of 2024, I opened an account with SoFi Bank and have had XXXX access to my XXXX with SoFi after over 20 phone calls, & months later, I STILL HAVE NO ACCESS TO XXXX!! SoFi needs to be shut down and investigated for fraud! they are lying to me about the reasons why and trying to push me off onto XXXX customer service knowing that XXXX wont help anyone who has issued with XXXX through a bank!!!!!!!!!! I was told on every call that tickets were being opened only to find out today THERE WERENT ANY TICKETS SUBMITTED!!!!!!!! I am DISGUSTED with SoFi and would like to be contacted by anyone higher then a call center supervisor!!!! 

complaint # with SoFi XXXX XXXX # for member security team with - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: CT

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

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

Company 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 2025-01-30 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: CT

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

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

Company 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 2025-01-30 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: MD

Complaint narrative:
I am writing to formally file a complaint regarding the presence of debt collection accounts on my credit report that are associated with debt collectors who have been banned by the Federal Trade Commission ( FTC ). These accounts are inaccurrate, misleading, and violate federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., 15 U.S.C. 1692 ET SEQ.

The following debt collectors, who have been banned by the FTC, are currently listed on my credit reports : XXXX. XXXX XXXX XXXX, {$450.00}, opened XX/XX/XXXX XXXX. XXXX XXXX XXXX, {$700.00}, opened XX/XX/XXXX XXXX. XXXX XXXX XXXX  {$2900.00}, opened XX/XX/XXXX XXXX. XXXX XXXX XXXX, {$260.00}, XX/XX/XXXX These entities have been prohited from engaging in debt collection activities by the FTC due to unlawful practices, including but not limited to deceptive, abusive, and unfair practices in violation of the FDCPA and the FTC Act, 15 U.S.C. 45. Despite their banned status, their acccounts continue to appear on my credit report, causing significant harm to my creditworthiness and financial well-being. 

Also, I have asked repetitively that addresses XXXX XXXX XXXX, XXXX MD XXXX AND XXXX XXXX XXXX # XXXX, XXXX MD XXXX be removed from my reports as i have updated my address with necessary creditors, and these addresses are still being reported in my reports.

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