vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In Accordance with the Fair Credit Reporting Act. The List of Accounts Below has violated my federally protected consumer rights to privacy and Confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX XXXX XXXX  Account # : XXXX Amount : {$430.00} I looked at my TransUnion credit Report on XX/XX/year> and Noticed some things are incomplete and not accurate. And according to the fair credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( A ) ( B ).

And According to 15 USC 1681 I, II, ( A ) ( 5 ) they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency Shall. 
( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) Promptly notify the furnisher of that item of information that the Information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681 ( 5 ) - ( 2 ) they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 




Delete account XXXX XXXX XXXX XXXX from my credit report. Delete account XXXX XXXX XXXX XXXX from my credit report, because of multiple violations of the 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 non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
They sent me a letting stating that I need to come to court, XX/XX/year> at XXXX XXXX  the amount is {$10000.00}. I sent them a letter asking for verification that I owe them. They have the right to get the money from me and a breakdown of whats been paid.

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 2025-02-08 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:
In Accordance with the Fair Credit Reporting Act. The List of Accounts Below has violated my federally protected consumer rights to privacy and Confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX XXXX Account # : XXXX Amount : {$1300.00} I looked at my Equifax credit Report on XX/XX/year> and Noticed some things are incomplete and not accurate. And according to the fair credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( A ) ( B ).

And According to 15 USC 1681 I, II, ( A ) ( 5 ) they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. 
( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency Shall.

( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) Promptly notify the furnisher of that item of information that the Information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681 ( 5 ) - ( 2 ) they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
Venmo closed my account and is holding my funds for 180 days and I need this money assp

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: MI

Complaint narrative:
Subject : Request for Credit Score Removal Due to Data Breach and Inaccurate Information Dear Consumer Financial Protection Bureau, I am writing to formally request the removal of my credit score due to a data breach that compromised my personal information and has resulted in severe inaccuracies on my credit report. My financial records now contain incorrect and misleading data that do not reflect my actual credit history, and I am facing significant challenges as a result. 

I recently became aware that my sensitive financial data was exposed in a breach. Since then, I have noticed substantial errors in my credit report, including accounts that do not belong to me, incorrect balances, and other fraudulent activity. These discrepancies have negatively impacted my financial standing, and despite my attempts to dispute them with the credit bureaus, they remain unresolved. 

Given the circumstances, I am requesting that my credit score be removed or reset to ensure that I am not held accountable for inaccuracies stemming from the breach. I believe that maintaining this flawed credit score is unfair and detrimental to my financial well-being. 

I kindly ask the CFPB to intervene and assist in rectifying this situation. Please let me know what steps I need to take or if additional information is required. I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely,

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 2025-02-08 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: MI

Complaint narrative:
Subject : Request for Credit Score Removal Due to Data Breach and Inaccurate Information Dear Consumer Financial Protection Bureau, I am writing to formally request the removal of my credit score due to a data breach that compromised my personal information and has resulted in severe inaccuracies on my credit report. My financial records now contain incorrect and misleading data that do not reflect my actual credit history, and I am facing significant challenges as a result. 

I recently became aware that my sensitive financial data was exposed in a breach. Since then, I have noticed substantial errors in my credit report, including accounts that do not belong to me, incorrect balances, and other fraudulent activity. These discrepancies have negatively impacted my financial standing, and despite my attempts to dispute them with the credit bureaus, they remain unresolved. 

Given the circumstances, I am requesting that my credit score be removed or reset to ensure that I am not held accountable for inaccuracies stemming from the breach. I believe that maintaining this flawed credit score is unfair and detrimental to my financial well-being. 

I kindly ask the CFPB to intervene and assist in rectifying this situation. Please let me know what steps I need to take or if additional information is required. I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: TX

Complaint narrative:
On XXXX this account was closed On Equifax it is still reporting incorrect I sent in the divorce decree to all 3 credit bureaus I sent in the divorce decree to XXXX as well All 3 credit bureaus and XXXX has ALL FAILED to correct the issue! 
How many times do I need to report this until is gets corrected? 
This goes against the FDCA and I should be compensated for this. I have been trying to correct this since XX/XX/year>. 6 months now!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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 for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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 2025-02-08 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: IL

Complaint narrative:
I have recently become aware of a lawsuit involving Experian that may be relevant to the inaccuracies on my credit report, and I am requesting an immediate investigation into the disputed information in compliance with the following FCRA guidelines : FCRA 1681i ( a ) Reinvestigation of Disputed Information : According to the FCRA, you are required to conduct a thorough investigation of disputed information within 30 days of receiving my request. I expect this to be done in a timely and accurate manner. 
FCRA 1681e ( b ) Duty to Ensure Accuracy : The FCRA mandates that all credit reporting agencies, including Experian, ensure that the information reported on my credit file is accurate and complete. The information in dispute does not meet this requirement.

FCRA 1681g Consumers Right to Obtain Information : I am requesting a complete copy of all information related to the disputed account, as well as any documentation you have to support the accuracy of the reporting.

Additionally, the Consumer Financial Protection Bureau ( CFPB ) has established guidelines regarding credit report disputes, as per Regulation V ( 12 C.F.R. Part 1022 ), which includes procedures for addressing inaccurate or incomplete information on credit reports. I ask that you review these regulations and ensure compliance with the procedures outlined.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: IL

Complaint narrative:
I have recently become aware of a lawsuit involving Experian that may be relevant to the inaccuracies on my credit report, and I am requesting an immediate investigation into the disputed information in compliance with the following FCRA guidelines : FCRA 1681i ( a ) Reinvestigation of Disputed Information : According to the FCRA, you are required to conduct a thorough investigation of disputed information within 30 days of receiving my request. I expect this to be done in a timely and accurate manner. 
FCRA 1681e ( b ) Duty to Ensure Accuracy : The FCRA mandates that all credit reporting agencies, including Experian, ensure that the information reported on my credit file is accurate and complete. The information in dispute does not meet this requirement.

FCRA 1681g Consumers Right to Obtain Information : I am requesting a complete copy of all information related to the disputed account, as well as any documentation you have to support the accuracy of the reporting.

Additionally, the Consumer Financial Protection Bureau ( CFPB ) has established guidelines regarding credit report disputes, as per Regulation V ( 12 C.F.R. Part 1022 ), which includes procedures for addressing inaccurate or incomplete information on credit reports. I ask that you review these regulations and ensure compliance with the procedures outlined.

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To Whom It May Concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate personal information in the personal information section. I am requesting that this information be corrected to reflect my actual details and that any inaccurate information be permanently removed. 

To ensure accuracy, my correct information is as follows : 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  I request that you remove any name, date of birth, address, or employer that is different from the information provided above, as I have never used or been associated with any other details. Additionally, please ensure my address is correctly listed and remove any outdated, incorrect, or duplicate addresses. 

For verification purposes, I have attached the following documents : Utility Bill ( Proof of current address ) Drivers License ( Identification ) Credit Report ( Highlighting the incorrect information ) I kindly ask for confirmation once the corrections have been made. Thank you for your prompt attention to this matter. 

Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To Whom It May Concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate personal information in the personal information section. I am requesting that this information be corrected to reflect my actual details and that any inaccurate information be permanently removed. 

To ensure accuracy, my correct information is as follows : 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  I request that you remove any name, date of birth, address, or employer that is different from the information provided above, as I have never used or been associated with any other details. Additionally, please ensure my address is correctly listed and remove any outdated, incorrect, or duplicate addresses. 

For verification purposes, I have attached the following documents : Utility Bill ( Proof of current address ) Drivers License ( Identification ) Credit Report ( Highlighting the incorrect information ) I kindly ask for confirmation once the corrections have been made. Thank you for your prompt attention to this matter. 

Best regards, 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 2025-02-08 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:
In Accordance with the Fair Credit Reporting Act. The List of Accounts Below has violated my federally protected consumer rights to privacy and Confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX looked at my Equifax credit Report on XX/XX/year> and Noticed some things are incomplete and not accurate. And according to the fair credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( A ) ( B ).

And According to 15 USC 1681 I, II, ( A ) ( 5 ) they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. 
( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency Shall.

( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) Promptly notify the furnisher of that item of information that the Information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681 ( 5 ) - ( 2 ) they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
refer to the attached, as this is widespread and involves numerous credit cards as none of the business have easy ADA options for someone who is XXXX XXXX XXXX XXXX XXXX XXXX XXXX and who also fall under protected class. Each of the business expects a person with bad health to spend countless hours with each of them and I barely have the ability to live, barely can move some days and yet when I am able to call I am verbally attacked. I no longer have a phone so as I stated many times before email is the only option and since I either have to live in my car since I was denied many loans or if my credit card does work is when I have access to wifi. it would be great if some company allowed me to live and focus on my health. you can stop sending mail as I can barely move and going to a mailbox isn't top priority my life is. thanks similar letter was mailed to social security, illinois, VA, and 3 credit bureaus

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 2025-02-08 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: NY

Complaint narrative:
I have seen on my credit report that there are multiple accounts that I dont recognize and did not authorize I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to prove my case Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.

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 2025-02-08 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 am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.

Company response to consumer: Closed with explanation