vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 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: GA

Complaint narrative:
I am writing to formally request validation of the alleged debt associated with the XXXX XXXX XXXX account, as provided on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ) and applicable consumer reporting laws, I am entitled to receive verification of the debt before any further collection activity or reporting is made. 

The account information listed on my Equifax report is as follows : Reported Date : XX/XX/XXXX XXXX Balance : {$1600.00} Original Creditor : XXXX XXXX XXXX ( Closed ) Account Opened : XX/XX/XXXX ( approximately 3 years, 10 months ago ) Account Status : Open, Derogatory ( Placed for collection ) Responsibility : Individual Remarks : Account information disputed by consumer In accordance with my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ), I request that you provide me with the following documentation : 1. Complete Account Ledger & Itemization : A detailed, itemized breakdown of the alleged debt amount of {$1600.00}, including any fees, penalties, or charges that have been added.

2. Original Agreement & Proof of Liability : A complete copy of the original signed agreement or contract with the original creditor ( XXXX XXXX XXXX ) that shows my obligation to pay this debt. 



3. Chain of Title Documentation : Verification that XXXX XXXX XXXX is legally entitled to collect this debt, including any documentation showing the transfer or assignment of the debt from the original creditor. 



4. Validation of Debt Amount and Reporting : Documentation that verifies the amount claimed and confirms that this debt is reported in accordance with the Metro 2 data standards and FCRA requirements for accuracy.

Until I receive the requested validation, I hereby dispute the validity of this debt and request that all collection activities cease. Furthermore, if you are unable to provide the requested documentation within 30 days, please remove all references to this account from my credit file as required under FCRA 1681i ( a ) ( 5 ) ( A ).

Please send all correspondence and copies of the requested documentation to the address listed above. If you have any questions or require additional information, please contact me in writing.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sold my company XXXX in XXXX of 2021 and as part of the sale of the company the acquiring company moved 2 credit cards into their ownership, notified XXXX XXXX and XXXX XXXX. The acquiring company had a problem with payment on both accounts and effected my personal credit after the accounts were moved. Both XXXX XXXX and XXXX XXXX both are still showing on my personal credit report when these are not owned by me. 

I am constantly sending disputes in with supporting documentation to the credit bureaus along with XXXX XXXXXXXX and XXXX XXXX. I've attached the documents pertaining to the sale of my company. 

I've even gone as far as sending emails to supervisors and executives, including the CEO of XXXX XXXX and XXXX XXXX! 

XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL 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 2025-03-01 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
My information and data was released in a data breach along with XXXX XXXX other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: NJ

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor 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 badly hurt 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 non-monetary relief
Consumer complaint received 2025-03-01 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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, Texas, XXXX SSN : XXXX D.O.B : XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Please investigate and remove this account from my credit report. Due to Inaccurate reporting of information. 

XXXX Date opened : XX/XX/XXXX Account Number : XXXX Please investigate and delete from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Please provide the names and business addresses of each individual with whom you verified above so that I may follow up, please send an updated copy of my credit report after your re-investigation.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report.

I also request that you please send notices of corrections to anyone who received my credit report in the past sixmonths.

Attached is also and example of inaccurate reporting of opened dates on my report. Which deem this report inaccurate and must be remove by Law Failure to Remove will Result in Heavy Legal Action.

Thank you for your time and help 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 2025-03-01 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: AL

Complaint narrative:
I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency. It remains unresolved. I request immediate investigation and rent of these items. As it is incorrect and does not reflect my true credit history. XXXX Account # XXXX XXXX XXXX account # XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: AL

Complaint narrative:
I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency. It remains unresolved. I request immediate investigation and rent of these items. As it is incorrect and does not reflect my true credit history. XXXX Account # XXXX XXXX XXXX account # XXXX XXXX XXXX Account # 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 2025-03-01 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:
I am formally requesting debt validation under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ), Metro 2 compliance standards, and Fair Credit Reporting Act ( FCRA ) for the following disputed accounts : XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX - 1st Account ) XXXX XXXX  ( Account # XXXX - 2nd Account ) XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) I dispute the accuracy and validity of these accounts and request full verification before any further collection or reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: FL

Complaint narrative:
I requested that Experian Credit Bureau investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
Contact Information : Should you require any further information or documentation, please do not hesitate to contact me at XXXX or via email at XXXXThank you for your prompt 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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Data breach Name XXXX XXXX Address XXXX XXXX XXXX XXXX, Al XXXX XXXX XX/XX/XXXX LAST 4 of SSN XXXX DATE XX/XX/XXXX Bureau Name Equifax Legal Recently, I did an investigation on my credit report and fould several items on there to be inaccurate. 

Under U.S. CODE 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. CODE 1681i ( 5 ) Treatment of inaccurate or inveriable 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 the information, as appreciate, based on the results of the reinvestigation ; and ( ii ) promptly notifying the furnisher of that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit score report, immediately :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: Experian Information Solutions Inc.
State: DC

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 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 2025-03-01 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: WA

Complaint narrative:
Balance of {$38.00} was noted as past due on long established account with ove XXXX  months recorded positive paid on time status. Notifications emails were routed to legacy email address that was no longer being used for years. Amount of {$38.00} was paid twice within XXXX after being flagged by credit report of pass due status. XXXX made with XXXX  XXXX XXXX and confirmed that account in question was the only XXXX out of XXXX accounts that had wrong contact email and phone number. Corrected contact phone number and email updated with help from XXXX  XXXX XXXX but unfortunately they indicated that they were not able to address the XXXX hour lag for due date showing payment was paid in full twice, at still indicating payment was late

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 2025-03-01 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 so exhausted I've been trying to correct things with Experian, TransUnion and Equifax but it's no response no reply nothing! I sent so many letters certified and I still get no response. please help me pursuant to 15 USC 1681i ( a ) 1 they are required to respond within 30 days or the items shall be removed. pursuant to 15 USC 1681i ( a ) 6 ( B ) 3 they aren't properly investigating these accounts. please help me as these aren't my 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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am so exhausted I've been trying to correct things with Experian, TransUnion and Equifax but it's no response no reply nothing! I sent so many letters certified and I still get no response. please help me pursuant to 15 USC 1681i ( a ) 1 they are required to respond within 30 days or the items shall be removed. pursuant to 15 USC 1681i ( a ) 6 ( B ) 3 they aren't properly investigating these accounts. please help me as these aren't my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: 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 explanation
Consumer complaint received 2025-03-03 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: 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 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 2025-03-01 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:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2025-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I try to use my debit card and I couldnt use it and I signed in to my online account it had a message to call customer service because my funds where not going to be available and when I called they told me they were closing my account and that i was going to receive a check for my funds in 7 business days and as of today I havent received anything i called them and i told them it has been a month and they said they dont have a date for me when they would send me my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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 proce 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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am so exhausted I've been trying to correct things with Experian, TransUnion and Equifax but it's no response no reply nothing! I sent so many letters certified and I still get no response. please help me pursuant to 15 USC 1681i ( a ) 1 they are required to respond within 30 days or the items shall be removed. pursuant to 15 USC 1681i ( a ) 6 ( B ) 3 they aren't properly investigating these accounts. please help me as these aren't my accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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 so exhausted I've been trying to correct things with Experian, TransUnion and Equifax but it's no response no reply nothing! I sent so many letters certified and I still get no response. please help me pursuant to 15 USC 1681i ( a ) 1 they are required to respond within 30 days or the items shall be removed. pursuant to 15 USC 1681i ( a ) 6 ( B ) 3 they aren't properly investigating these accounts. please help me as these aren't my 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 2025-03-01 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: FL

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees that I 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 to be 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 2025-03-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: John C. Heath, Attorney at Law, PLLC
State: OH

Complaint narrative:
My personal data was breached and all of my info was taken

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX was removed, because it wasn't verified, now suddenly after the breach it reappears. This is double sabotage!

Company response to consumer: Closed with non-monetary relief