vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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 am writing in regard to the dispute I filed through the Consumer Financial Protection Bureau ( CFPB ) concerning errors on my credit report. Specifically, I have previously submitted certified letters on two separate occasions to provide the necessary identification and documentation to resolve these disputes. However, TransUnions response indicates that these documents were not received, which is inaccurate, as both letters were sent via certified mail and signed for upon delivery. 

I would like to formally request that you review your records and correct these inaccuracies. As stated in the dispute, I have provided all the necessary information in compliance with your guidelines, and I believe the errors listed on my credit report should be deleted in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please ensure that the errors in question are rectified and removed from my credit report immediately. If there are any further documentation or clarifications needed from my side, kindly inform me at your earliest convenience. However, I trust that this matter can be resolved promptly given the prior correspondence. 

Thank you for your immediate attention to this matter. I expect to receive confirmation that the necessary corrections have been made.

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 2025-01-23 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 writing to formally request immediate action concerning an identity theft incident that significantly impacted my financial well-being and credit report. In 2023, a data breach exposed my Social Security number, medical information, driver 's license number, and other sensitive information. I discovered through XXXX that my personal information, including my Social Security number, had been compromised and was being sold on the dark web. This breach led to unauthorized account changes and fraudulent credit inquiries and loan requests that remain unresolved on my credit report. 

Despite multiple attempts to rectify these issues, my credit score has not improved due to the erroneous and unauthorized entries. I have contacted XXXX and other credit bureaus, provided documentation from the FBI, the Federal Trade Commission ( FTC ), and the IRS, and submitted multiple police reports. However, no corrective action has been taken. 

The fraudulent activities, including unauthorized cell phone accounts and student loans, have severely impacted my creditworthiness, hampering my ability to secure necessary credit. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to ensure the accuracy of the information on consumer credit reports and are required to investigate disputed entries. The lack of action to address these fraudulent entries is a violation of my consumer rights. 

The FTCs identity theft recovery report mandates the removal of erroneous information from my credit report. Additionally, cases such as *XX/XX/XXXX** have established precedents where consumers successfully sued credit bureaus for failing to correct inaccuracies resulting from identity theft. As a consumer, I have the right to accurate credit reporting, and the failure to rectify these errors warrants accountability. 

Therefore, I demand the immediate removal of all fraudulent entries and inquiries from my credit report. I also request the correction of my credit score to reflect accurate information. Failure to comply will result in further legal action to hold the responsible parties accountable. 

I will continue to contact regulatory entities such as the FTC and the Consumer Financial Protection Bureau ( CFPB ) to ensure my rights are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: CA

Complaint narrative:
I am writing to formally request immediate action concerning an identity theft incident that significantly impacted my financial well-being and credit report. In 2023, a data breach exposed my Social Security number, medical information, driver 's license number, and other sensitive information. I discovered through Experian that my personal information, including my Social Security number, had been compromised and was being sold on the dark web. This breach led to unauthorized account changes and fraudulent credit inquiries and loan requests that remain unresolved on my credit report. 

Despite multiple attempts to rectify these issues, my credit score has not improved due to the erroneous and unauthorized entries. I have contacted XXXX and other credit bureaus, provided documentation from the FBI, the Federal Trade Commission ( FTC ), and the IRS, and submitted multiple police reports. However, no corrective action has been taken. 

The fraudulent activities, including unauthorized cell phone accounts and student loans, have severely impacted my creditworthiness, hampering my ability to secure necessary credit. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to ensure the accuracy of the information on consumer credit reports and are required to investigate disputed entries. The lack of action to address these fraudulent entries is a violation of my consumer rights. 

The FTCs identity theft recovery report mandates the removal of erroneous information from my credit report. Additionally, cases such as *XXXX XXXX XXXX* have established precedents where consumers successfully sued credit bureaus for failing to correct inaccuracies resulting from identity theft. As a consumer, I have the right to accurate credit reporting, and the failure to rectify these errors warrants accountability. 

Therefore, I demand the immediate removal of all fraudulent entries and inquiries from my credit report. I also request the correction of my credit score to reflect accurate information. Failure to comply will result in further legal action to hold the responsible parties accountable. 

I will continue to contact regulatory entities such as the FTC and the Consumer Financial Protection Bureau ( CFPB ) to ensure my rights are upheld.

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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XXXX XXXX I went to Fifth Third bank to get a copy of my father bank statement. He was declared incapacitated and the court appointed me as his legal guardian in Michigan. 
Due to his diagnosis it was suggested that I applied for Medicaid. My father used online banking so I did not have access to any statements. 
The bank teller told me I had to be on the account to have access to his account information. I showed her the court appointed documents and she added me to the account and removed me as my fathers POD ( paid on death ) beneficiary. My father declared me his beneficiary over 4 years prior, to him becoming XX/XX/XXXX 
How can the bank add or remove his beneficiary without his knowledge? 
My father took great pride in " taking care of his business '' in case of events such as this. They took his choice away after be became incapacitated and that's NOT right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian, XXXX and XXXX XXXX failed to fulfill its legal obligation under the FCRA to conduct a reasonable investigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau CFPB, has recently filed a lawsuit against Experian and XXXX alleging systemic issues such as failure to forward consumer-provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where Experian, XXXX XXXX and XXXX has neither corrected or removed items despite the evidence I have provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian, XXXX and XXXX XXXX inactions 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 2025-01-23 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: NJ

Complaint narrative:
This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened with XXXX XXXX on XX/XX/XXXX, a collection account opened with XXXX XXXX XXXX on XX/XX/XXXX, and 3 collection accounts opened with XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, a auto loan  account opened with XXXX XXXX on XX/XX/XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, and another personal loan account opened with XXXX, 2 credit card accounts opened with XXXX  XXXX on XX/XX/XXXX and the other on XX/XX/XXXX, a credit card account opened with XXXX  XXXX on XX/XX/XXXX, a installment loan account opened at XXXX on XX/XX/XXXX appearing on my consumer FICO 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 any of the 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX -XX/XX/XXXXXXXX -Inquires XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX I looked at my XXXX credit report on ( XX/XX/year>2025 ) and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer 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 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of Inaccurate or unverifiable information. 
( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of 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 result of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XX/XX/XXXX -Inquires XX/XX/XXXX XX/XX/XXXX I looked at my Experian credit report on ( XX/XX/year>2025 ) and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer 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 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of Inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of 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 result of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-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 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 2025-01-23 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: WI

Complaint narrative:
Upon viewing my most recent consumer report, I saw a bankruptcy account that shouldn't be shown there. I studied the consumer laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! I'm a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I will seek legal action against your company!

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
XXXX Reporting of Inaccurate Payment History for Navy Federal Credit Union Account XXXX XXXX Details : I am filing this complaint regarding XXXX continued reporting of inaccurate payment history on my closed Navy Federal Credit Union ( NFCU ) account. The attached screenshot of my XXXX credit report highlights the following issues : 1. Charge-Offs ( CO ) : The report inaccurately shows CO ( Charge-Off ) for multiple months in XXXX and XXXX. 
2. Late Payment Inaccuracies : Several months in XXXX are incorrectly reported as 60, 90, 120, and 150 days past due. These entries do not align with my actual payment history.

3. Continued Negative Reporting : Despite the account being closed, XXXX continues to inaccurately report negative statuses, causing harm to my credit profile. 

These errors are a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate and up-to-date consumer information. 

The CFPB recently imposed a significant fine on XXXX in XX/XX/XXXX for similar reporting failures, which underscores the importance of holding credit bureaus accountable. This pattern of non-compliance is unacceptable, and immediate corrective action is required. 

Resolution Requested : 1. A full investigation into the inaccuracies reflected in my XXXX report. 
2. Immediate correction of all errors, including removing the incorrect CO and late payment entries. 
3. Written confirmation from XXXX that these issues have been resolved and will not reoccur. 

Attached Evidence : The attached screenshot provides clear evidence of Equifaxs reporting inaccurate I request that the CFPB take swift action to ensure XXXX adheres to its legal obligations under the FCRA. Thank you for addressing this matter promptly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NJ

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXXXXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX, XX/XX/XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: TX

Complaint narrative:
am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C.

XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief