vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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:
To : XXXX, XXXX, and TransUnion Subject : Formal Request for Deletion of Unverifiable Account Based on Innovis Deletion To Whom It May Concern, I am writing to formally request the deletion of an unverifiable account from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( B ). The account in question is listed as a charge-off from XXXX XXXX XXXX XXXX with a balance of {$XXXX}. 

On [ date ], I disputed this account on my XXXX credit report. XXXX completed their investigation, and as of XX/XX/year>, the account was deleted from my report. Given this deletion, I am requesting that XXXX, XXXX, and TransUnion remove this unverifiable debt from my credit file. 

Under the FCRA : Section 611 ( a ) ( 1 ) ( A ) obligates you to investigate disputed information and delete or correct any unverifiable account within 30 days.

Section 623 ( a ) ( 1 ) ( B ) mandates that information furnishers must not continue reporting inaccurate or unverifiable information. 

Since XXXX has removed this account, it is evident that the account could not be verified. Therefore, I am requesting that all three credit reporting agencies conduct similar investigations. If this account can not be verified according to the standards of accuracy and completeness set forth in the FCRA, it must be deleted from my credit file entirely. 

Legal Right to Sue if Not Addressed : Should your investigation fail to result in the deletion of this unverifiable account within 30 days, I reserve my rights under Section 616 and Section 617 of the FCRA to seek legal action against your agency for willful or negligent noncompliance with federal law. Noncompliance may result in damages, court costs, and attorney fees as outlined in these sections. 

Additionally, the deletion of this account by Innovis demonstrates that it can not be substantiated. Continuing to report unverifiable or inaccurate information may also violate Section 623 ( b ) ( 1 ) ( C ), which requires furnishers to cease reporting information found to be inaccurate. 

I request written confirmation of the results of your investigation and a revised copy of my credit report reflecting the deletion of this account within 30 days of the date of this letter. Please send all correspondence to the address provided above or via email at XXXX. 

If you fail to resolve this matter promptly, I will escalate my complaint by submitting a formal dispu

te to the Consumer Financial Protection Bureau ( CFPB ) and may pursue further legal remedies. Thank you for your prompt attention to thi
s matter. 

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 non-monetary relief
Consumer complaint received 2025-01-22 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:
To : XXXX, Equifax, and XXXX Subject : Formal Request for Deletion of Unverifiable Account Based on Innovis Deletion To Whom It May Concern, I am writing to formally request the deletion of an unverifiable account from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( B ). The account in question is listed as a charge-off from XXXX XXXX XXXX XXXX with a balance of {$XXXX}. 

On [ date ], I disputed this account on my XXXX credit report. XXXX completed their investigation, and as of XX/XX/year>, the account was deleted from my report. Given this deletion, I am requesting that XXXX, Equifax, and XXXX remove this unverifiable debt from my credit file.

Under the FCRA : Section 611 ( a ) ( 1 ) ( A ) obligates you to investigate disputed information and delete or correct any unverifiable account within 30 days.

Section 623 ( a ) ( 1 ) ( B ) mandates that information furnishers must not continue reporting inaccurate or unverifiable information. 

Since XXXX has removed this account, it is evident that the account could not be verified. Therefore, I am requesting that all three credit reporting agencies conduct similar investigations. If this account can not be verified according to the standards of accuracy and completeness set forth in the FCRA, it must be deleted from my credit file entirely. 
Legal Right to Sue if Not Addressed : Should your investigation fail to result in the deletion of this unverifiable account within 30 days, I reserve my rights under Section 616 and Section 617 of the FCRA to seek legal action against your agency for willful or negligent noncompliance with federal law. Noncompliance may result in damages, court costs, and attorney fees as outlined in these sections. 

Additionally, the deletion of this account by XXXX demonstrates that it can not be substantiated. Continuing to report unverifiable or inaccurate information may also violate Section 623 ( b ) ( 1 ) ( C ), which requires furnishers to cease reporting information found to be inaccurate.

I request written confirmation of the results of your investigation and a revised copy of my credit report reflecting the deletion of this account within 30 days of the date of this letter. Please send all correspondence to the address provided above or via email at XXXX. 

If you fail to resolve this matter promptly, I will escalate my complaint by submitting a formal dispute to the Consumer Financial Protection Bureau ( CFPB ) and may pursue further legal remedies.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: NJ

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$XXXX}, waterfall revenue grou Account # XXXX date opened XXXX {$XXXX}, XXXX  XXXX Account # XXXX date opened XX/XX/XXXX bal. {$XXXX}, XXXX, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$XXXX}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2025-01-22 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: TX

Complaint narrative:
Navy federal credit union is still illegally overdrafting my checking account going on XXXX  years. They wait until my account reaches a {$XXXX} balance before they process my online payments. For example, I made a payment to XXXX  on XXXX, XX/XX/XXXX, and it was not processed until XXXX, XX/XX/XXXX, the same day which they hit my account with a {$XXXX} " returned check fee ''. I do not own a checkbook, I have never written a check in my life. Navy Federal Credit Union has been processing said " XXXX check fee '' once a month for the last XXXX  years. 
I need compensation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-22 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: TX

Complaint narrative:
I am resubmitting a formal complaint to TRANSUNION regarding the inaccuracies in my credit file that are not verifiably compliant, valid, or fully documented. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX. My date of birth is XX/XX/year>, and the related FTC report number is XXXX. I have identified potential duplicative and questionable items on my credit record that have not been authorized by me. As a consumer, I have the right to request the immediate deletion of these entries, in accordance with my federal and state consumer rights. I am filing this consumer complaint to ensure that all items reported in my credit file comply with the Fair Credit Reporting Act ( FCRA ). This includes a demand for verification of the disputed data. 
If these inaccuracies are not corrected, I will refile my complaint to ensure adherence to FCRA guidelines, as outlined in Title 1, Section 151.

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 2025-01-22 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:
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 non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: PA

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 has recently filed a lawsuit against Experian, alleging systemic issues such as failing forward consumer- provided evidence to furnishes, accepting unreliable responses and failing to adequately notify consumers of disputed outcomes. These failures align with my experience with Experian. 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 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 2025-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NE

Complaint narrative:
XX/XX/XXXX I called Target to close my account. I was given the amount due and told my account would be closed after receiving the final payment. A check for {$350.00} was mailed to Target on XX/XX/XXXX, & paid by my bank on XXXX XXXX. XXXX 13-new statement with a balance of {$0.00}. XX/XX/XXXX, XXXXchecked balance to be sure card was canceled and I owed {$35.00} for a monthly automatic charge. Called the company making the charge ( XXXX XXXX ), canceled Target credit card, and gave them new charge card. XX/XX/XXXX, -sent Target check for {$35.00}, wrote '' final payment ' on the check, pd by my bank on XXXX. XXXXtelephoned Target and rep told me I owed {$0.00} and my account was closed. 
XXXX XXXXreceived statement from Target saying I owed $ {$66.00} ( {$31.00} late fee had been added ). After many hours on the phone and website, I wrote Target main office. 
XXXX received a reply saying " XXXX Account Dispute Resolved ''. and they credited me the late fee. XXXXReceived Target statement ( Late payment fee {$30.00}, Minimum charge {$1.00} ). I called the company today ( XXXX XXXX ) and talked to 4 different reps who were checking the dispute and waited for an answer, dial tone-no answer. Called again. New rep-dial tone, no answer. 
I don't know what else to do. I want to Cancel my Target Credit card. I want this charge gone & no longer reflected on my credit scores. Please help me cancel this credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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 ( 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 2025-01-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2025-01-22 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:
This letter is to inform your company that I want to dispute the following items below on my credit profile : XXXX XXXX XXXX Did you see that your company was sued by the CFPB for unlawfully failing to properly investigate consumer disputes? The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 

I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed as soon as possible.

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 2025-01-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
XXXX XXXX Account XXXX XXXX Account XXXX False Date open XX/XX/year> Amount {$8400.00} I have reached out to this creditor several times to resolve this issue. I have no knowledge of this debt, nor did I sign ( wet signature ) for this auto loan. The creditor has failed to provide me with information regarding this issue. This account was open fraudulently, and yet the creditor continues to report incorrect information to all three credit bureaus which has prevented and lessoned my opportunities from getting housing. This is direct violation of Fair Credit Reporting Act.

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 2025-01-22 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: IL

Complaint narrative:
Fraudulent Account stopping me from getting a house with my family

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 2025-01-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Fraudulent Account stopping me from getting a house with my family

Company response to consumer: Closed with non-monetary relief