vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Taking refuge in the law that protects consumers in the United States, I demand that credit bureaus remove erroneous information from reports, preventing access to new applications. Below we can see the difference in 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
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Taking refuge in the law that protects consumers in the United States, I demand that credit bureaus remove erroneous information from reports, preventing access to new applications. Below we can see the difference in reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: CBC Companies, Inc.
State: MO

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Deposited a {$6000.00} check to my account on XX/XX/year>. Only issue that possibly could have caused grounds for suspicion of fraud was my own personal error in not endorsing check when depositing. After initial deposit was given notice of " deposit hold '' which lasted until funds were deposited XX/XX/year>. As soon as funds were deposited into account I was informed my account had been flagged for fraud and locked until further notice and to contact a branch. I have since spent numerous hours inside of branches to no avail. No date of unrestriction has been provided and no possible reason for suspicion has been provided to me however I have been asked to provide documentation to help support my case. I have offered a few documents including a letter from dealership that provided the check and my account has still not been unlocked 6 days later. I am incurring late fees on rent and utilities. In addition I have been unable to access my funds to help provide for myself in any way whatsoever.

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 2025-02-04 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: AL

Complaint narrative:
The currently reported XXXX XXXX with account number XXXX displayed as XXXX XXXX on my Trans Union report, shown as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report. Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a variation from the mandatorily utilized reporting industrys own Metro 2 Data-filled Field Formatted reporting compliance standards, of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see XXXX XXXX XXXX ) and as so is lawfully questionable until evident confirmation of all aspect ( s ) of claim ( s ) are factually true, correct, complete, timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the above-mentioned Metro 2 formatted industry requirements. With that in mind, please consider the following suspect reported data fields alleged for this now contested reported

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
UNDER TITLE 15 USC 1692G THERE IS DATA BREACHED SINCE YEAR 2017 MULTIPLE UNAUTHORIZED CREDIT REPORT THAT I WASNT AWARE OF MY PERSONAL DATA PERSONAL INFORMATION WAS EXPOSED IN DARK WEB IAM VICTIM OF IDENTITY THEFT FRAUDELENT CYBERBYLLIED ATTACKED. I NEVER GIVE ANY CONSENT PERMISSION TO NO ONE TO SHARE SELL TRADE MY PERSONAL INDENTITY I HAVE A FULL IN CKNTROL OF MY AUTHENTICITY MY OWNERSHIP MY PERSONAL ACCOUNTS FINANCIAL ACCOUNTS BUT THEY ACCESSED CONTROLLED HACKED MY XXXX EQUIFAX XXXX WITHOUT MY KNOWLEDGE MY CONSENT WITHOUT MY PERMISSION WITHOUT MY AUTHORIZATION THEY VIOLATED MY FULL LEGAL RIGHTS FOR THEM CONTROLLING OR HAVING PROVISIONS WHILE IAM BEING BLOCKED BARRED AND TARGETED I HAVE SEEN RANDOM CHARGES UNKNOWN TRANSACTIONS INCLDIDING DEBT COLLECTORS AGENCIES WEBSITES IN MY PERSONAL XXXX EQUIFAX XXXX OF PERSONAL ACCOUNT REPORT WHICH I FOUND IT VIOOATION OF CONSUMER PRIVACY ACT A CONSUMER FIANNCIAL PROTECTION ACT CONSTITUTIONAL RIGHTS ACT. IT IS UNCONSTITUTIONAL FOR DESTROYING MY LIFE MY OWN REPUTATIONS I NEVER AGREED TO ANY OF THEIR TERMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax Dispute Resolution Team, Subject : Dispute Regarding Credit Report Information and the Recent Equifax Lawsuit I am writing to dispute information on my credit report in light of the recent settlement related to the Equifax data breach. As you are aware, Equifax reached a settlement in XXXX, in which it was determined that the companys handling of consumer data led to a massive breach that affected millions of individuals. As a result, I am requesting that inaccurate or outdated information resulting from this breach be thoroughly reviewed and corrected. 

Here are the details of the dispute : Name : XXXX XXXX Date of Birth : XXXX Address : XXXX XXXX XXXX XXXX ga XXXX Account or Item in Dispute : dept of education nelnet Description of Discrepancy : I have no knowledge of this account. I believe it to be fraudulent.

In accordance with the settlement terms and your responsibility to ensure the accuracy of the information on my credit report, I request that this matter be reviewed and corrected. Please confirm the specific actions that will be taken to resolve this issue or any steps I may need to follow for further action.

I have attached supporting documents, including my identification. 

I appreciate your prompt attention to this matter and look forward to receiving a response within the 30-day period specified under the Fair Credit Reporting Act ( FCRA ).

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XX/XX/XXXX Equifax Dear Sir/Madam , Subject : Dispute Regarding Inaccurate Information on My Credit Report I am writing to formally dispute inaccurate information on my credit report. I recently obtained a copy of my credit report from your agency, and I identified the following errors that require correction : Item in Dispute : student loan Date of Report : XX/XX/XXXX Discrepancy : I have no knowledge of this account.

I believe this information is incorrect due to no knowledge of this account or said creditors.

I request that you investigate this matter and correct the inaccurate information as soon as possible in accordance with the Fair Credit Reporting Act ( FCRA ). Please provide me with the results of your investigation or an updated credit report reflecting the corrected information.

For your reference, I have attached the following supporting documents : My identification card Please confirm that this issue will be investigated and corrected within the required 30-day period. If you need additional information from me, do not hesitate to contact me at [ your phone number or email address ].

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I am writing to formally dispute certain information that appears on my credit report. I have noticed that there are collection accounts listed under my name from LVNV Funding and XXXX XXXX XXXX, which I believe are inaccurately reported and are not mine.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute information that I believe to be incorrect. Specifically, Section 611 of the FCRA [ 15 U.S.C. 1681i ] provides the right to dispute incomplete or inaccurate information. I request that you investigate and remove these incorrect entries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: UT

Complaint narrative:
XXXX calls me anywhere from 1 to 4 times a day, starting early morning and calling as late as XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts, 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 2025-02-04 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: IL

Complaint narrative:
This XXXX XXXX XXXX XXXX began after servicing was transferred from XXXX to XXXX. XXXX in XX/XX/year>. The transfer period from XXXX XXXX. XXXX stated to be 60 days per an email and also a letter delivered by the US Postal Service. In addition, the email and letter states that there will be no late fees or negative credit reporting during the transfer period of 60 days beginning in XXXX. 

The transfer period was therefore still in progress in XX/XX/year>. The account was refinanced to XXXX XXXX XXXX XXXX before the completion of the transfer period in XX/XX/year>, and the XXXX XXXX XXXX XXXX was paid in full. As a matter of fact, XXXX. XXXX sent me a refund check, dated XX/XX/year>, greater than the amount of the mortgage payment. 

Based on the email and letter from XXXX. XXXX stating that the mortgage loan had a 60-day transfer period with no late fees or negative credit reporting during that period and the account still being in the transfer period ( XXXXXXXX XXXX XXXX XXXX. XXXX inaccurately reported a 30-day late to XXXX, Experian, and XXXX for XX/XX/year>.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This XXXX XXXX XXXX XXXXXXXX began after servicing was transferred from XXXX to XXXX. XXXX in XX/XX/year>. The transfer period from XXXX XXXX. XXXX stated to be 60 days per an email and also a letter delivered by the US Postal Service. In addition, the email and letter states that there will be no late fees or negative credit reporting during the transfer period of 60 days beginning in XXXX. 

The transfer period was therefore still in progress in XX/XX/year>. The account was refinanced to XXXX XXXX XXXX XXXX before the completion of the transfer period in XX/XX/year>, and the XXXX XXXXXXXX XXXX XXXX was paid in full. As a matter of fact, XXXX. XXXX sent me a refund check, dated XX/XX/year>, greater than the amount of the mortgage payment. 

Based on the email and letter from XXXX. XXXX stating that the mortgage loan had a XXXX transfer period with no late fees or negative credit reporting during that period and the account still being in the transfer period ( XXXXXXXX XXXX XXXX XXXX. XXXX inaccurately reported a XXXX late to Equifax, XXXX, and XXXX for XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This XXXX XXXX XXXX XXXX began after servicing was transferred from XXXX to XXXX. XXXX in XX/XX/year>. The transfer period from XXXX XXXX. XXXX stated to be 60 days per an email and also a letter delivered by the US Postal Service. In addition, the email and letter states that there will be no late fees or negative credit reporting during the transfer period of 60 days beginning in XXXX. 

The transfer period was therefore still in progress in XX/XX/year>. The account was refinanced to XXXX XXXX XXXX XXXX before the completion of the transfer period in XX/XX/year>, and the XXXX XXXX XXXX XXXX was paid in full. As a matter of fact, XXXX. XXXX sent me a refund check, dated XX/XX/year>, greater than the amount of the mortgage payment. 

Based on the email and letter from XXXX. XXXX stating that the mortgage loan had a XXXX transfer period with no late fees or negative credit reporting during that period and the account still being in the transfer period ( XXXX XXXX XXXX XXXX. XXXX inaccurately reported a 30-day late to XXXX, XXXX, and Transunion for XX/XX/year>.

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 2025-02-05 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: MI

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 postings 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 2025-02-04 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 XXXX, ga XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Dear transunion I am writing to formally contest the results of your investigation into the dispute of the account under the name " US Treasury XXXX XXXX, '' which was reported as verified. The documentation provided by your company has not adequately addressed my concerns, and the validation process has not met the requirements outlined by the Fair Credit Reporting Act ( FCRA ). 
As previously communicated, I dispute the accuracy and legitimacy of this debt. The creditor, US Treasury XXXX XXXX, has failed to provide any valid documentation of the original contract or authorization to charge me for the reported amount. Their inability to provide such documentation raises serious concerns regarding the accuracy of this entry on my credit report. 
In addition, I have already filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. Despite this, the issue remains unresolved, and the inaccurate reporting continues. Under the FCRA, I have the right to request proper validation of this debt, and it is your responsibility as a credit reporting agency to ensure that the information reported is accurate and complete. 
Given that TransUnion has failed to ensure the accuracy of this entry after multiple attempts to dispute it, I am now notifying you that if this issue is not resolved within 30 days of the date of this letter, I will be forced to take further legal action. This will include pursuing claims for damages under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as well as seeking additional remedies through the courts. 
I demand the immediate removal of this inaccurate information from my credit report. 
Thank you for your attention to this matter. Please consider this my final attempt to resolve this dispute before I take further legal action. 
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 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service, unfair practices and personal security breach for fraud committed in my name, which violates 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 inconveniences and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: MI

Complaint narrative:
Transunion is violating my consumer rights. They are fraudulently letting XXXXXXXX XXXX XXXX  number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my Secretary of State website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on Transunion for failure to investigate as I'm a federally protected consumer. I will also be reporting both Transunion and XXXX XXXX to the IRS filling out form 3949- A information referral for unreported income since Transunion gets paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS . I will also be reporting both companies to the Attorney General and XXXX XXXX XXXX. I attached proof that XXXX XXXX isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me XXXX because I haven't been able to sleep at night due to the financial and emotional harm these two companies have caused. I know that XXXX XXXX pays Transunion to report inaccurate information and Transunion refused to give me a fair investigation for their financial gain.

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 2025-02-04 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 am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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