vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 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: PA

Complaint narrative:
To Whom It May Concern, This is the second time reporting this same issue to the CFPB. I sent a complaint to the CFPB last month and the Credit Bureau did not respond with the 30 days. Attached is the same complaint : In XX/XX/XXXX, I pulled my credit report in preparation for a mortgage application and discovered several accounts fraudulently opened in my name.

Since then, I have taken multiple steps to resolve this issue, including disputing these accounts directly with Experian, debt collectors, and the original creditors. I have sent certified dispute letters, but Experian has failed to rectify the situation or provide adequate documentation within the legally required timeframe. Key Issues with Experian : 1. Failure to Investigate Under FCRA Section 611 ( 15 U.S.C. 1681i ) : Experian is required to investigate disputes regarding the accuracy of items in a consumers file within 30 days of receiving a dispute. Despite my certified letter disputing the fraudulent accounts, Experian has failed to conduct a reasonable investigation or remove these accounts. 2. Failure to Provide Documentation Under FCRA Section 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) : As part of my identity theft dispute, I have the right to request all information related to the fraudulent accounts. Experian has not adequately provided this information. 3. Failure to Block Fraudulent Accounts Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ) : I submitted an FTC Identity Theft Report and supporting documentation, which requires Experian to block the reporting of fraudulent information. This obligation has not been fulfilled. Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Balance : {$5200.00}. Debt Collection Violations : Under the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), debt collectors must cease collection activity until the disputed debt is verified. Despite my certified letters disputing these debts, the debt collectors involved have failed to provide adequate verification. I have attached all relevant documentation, including my FTC Identity Theft Report, certified dispute letters, and supporting evidence. I am seeking your assistance in ensuring Experian adheres to its legal obligations and resolves this matter promptly. Thank you for your time and 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 2025-02-15 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: CA

Complaint narrative:
I am reaching out to formally request the immediate removal of an account listed on my credit report that is not only inaccurate but is currently involved in pending litigation. This account does not reflect the reality of my financial situation and is, in fact, a matter of legal dispute at this time.

As you are likely aware, accounts involved in litigation should not be represented in the same manner as accounts that have been settled or closed. The inclusion of this account is both misleading and harmful to my credit report, and I am taking legal action to resolve the matter. Given the ongoing litigation, it is critical that this account be removed from my credit report immediately to prevent further harm to my credit score and financial reputation.

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 2025-02-15 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: KS

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
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 2025-02-15 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Notice Regarding Fraudulent Account Due to Equifax Data Breach To Whom It May Concern, This letter serves as a formal Cease and Desist Notice regarding the fraudulent account ( s ) opened in my name due to the Equifax data breach, which resulted in the unauthorized exposure of my personal and financial information. Your companys continued reporting and recognition of this fraudulent account violates my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) and other applicable laws. 
Pursuant to the FCRA, I am asserting my right to dispute and demand the immediate cessation of any further reporting, collection, or dissemination of this fraudulent account. Under 15 U.S.C. 1681b, my consumer report may only be used under specific legal conditions, and the inclusion of this fraudulent account violates these provisions.

Additionally, under 15 U.S.C. 1681n and 1681o, I am entitled to seek damages for willful or negligent noncompliance with the FCRA, including statutory damages, actual damages, punitive damages, and attorney fees. If your company does not take immediate corrective action, I will pursue all available legal remedies, including filing a lawsuit for damages resulting from your unlawful actions. 
Furthermore, I have filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft and fraudulent activity. The FTC report serves as further evidence that this account was fraudulently opened without my consent, and I expect your full cooperation in resolving this matter. 
Fraudulent Account Number ( XXXX ) : XXXX XXXX Inquiry Accordingly, I demand that you : Cease and desist from reporting, collecting, or attempting to validate the fraudulent account ( s ) associated with my personal information.

Immediately remove and delete any fraudulent information related to this account from my credit report and your records.

Provide written confirmation within 30 days that all necessary corrective actions have been taken to comply with this request.

Failure to comply with this demand will result in legal action without further notice. I trust you will take this matter seriously and act in accordance with your legal obligations. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-15 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: OH

Complaint narrative:
Ive had enough money in my account at Navy Federal to cover transactions and all of a sudden I would get a NSF fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Immediate Request for Deletion of Inaccurate Late Payments Under FCRA 605B, 615 ( f ), 623 ( a ) ( 6 ) To whom it may concern I am writing to dispute the inaccurate late payment notations appearing on my credit report. Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I request the immediate blocking and removal of these inaccurate items due to identity theft or fraudulent misreporting. 
The following accounts contain erroneous late payment notations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ] According to FCRA 605B, if an account is linked to identity theft or misreporting, you are required to block and remove it upon receiving proper documentation. To support my dispute, I have included a copy of my FTC Identity Theft Report filed through IdentityTheft.gov, along with a copy of my government-issued ID and a utility bill for verification.

Furthermore, FCRA 615 ( f ) prohibits the use of fraudulent, misleading, or unverifiable information against a consumer. Since these accounts contain inaccurate payment history, they must be removed from my report immediately.

Per FCRA 623 ( a ) ( 6 ), data furnishers are legally required to report only accurate and verifiable information. If they can not verify these late payments, they must be deleted immediately under FCRA 611 ( a ) ( 5 ) ( A ).

I expect a response within 30 days of receiving this letter, as required by law. Please provide written confirmation once these accounts have been deleted. 
Sincerely, XXXX XXXX ( Enclosures : Copy of FTC Identity Theft Report, ID, Proof of Address, Highlighted Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15usc 1681 section 602 which states I have the right to privacy. 15usc 1681 section 604 section2 states a consumer reporting agency can not furnish an account without my written instruction under 15usc 1666b a creditor May not treat a payment on a credit card account under an open end consumer plan as late for any purpose. Dates as follows XX/XX/XXXX and XX/XX/XXXX reported as late for the amount of {$33.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: NC

Complaint narrative:
For the collection accounts, and I am requesting the following documentation : The Forward Flow Agreement proving the legal transfer of ownership. The Complete Chain of Title documenting all prior owners of the debt. An Affidavit of Ownership attesting that the current entity is the rightful owner of the debt. If the above documentation can not be provided, these collections must be removed immediately as they can not be verified per FCRA 1681i. The accounts listed as charge off have been improperly reported as charge-offs multiple times instead of once, violating 15 U.S.C. 1681e ( b ). These accounts were charged off once, yet the charge-off status has been re-reported month after month for up to a year some over a year, which is inaccurate and misleading. Charge- offs can only occur once, and repeated reporting artificially prolongs the negative impact, violating FCRA accuracy requirements. These accounts must be removed immediately for failing to adhere to 1681e ( b ). Consumer claimed to have verified the information but only made false remarks/status on report. Additionally, under FCRA 1681n, willful non-compliance with these obligations entitles me to statutory damages ranging from {$100.00} to {$1000.00} per violation. Notably, I do not need to prove actual harm to claim these statutory damages. Furthermore, I will be pulling all past disputes submitted through the Consumer Financial Protection Bureau ( CFPB ) to review the lack of action taken in response to my disputes. If this matter is not resolved immediately, I will also be pursuing legal action to protect my rights under the FCRA.

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
For the collection accounts, and I am requesting the following documentation : The Forward Flow Agreement proving the legal transfer of ownership. The Complete Chain of Title documenting all prior owners of the debt. An Affidavit of Ownership attesting that the current entity is the rightful owner of the debt. If the above documentation can not be provided, these collections must be removed immediately as they can not be verified per FCRA 1681i. The accounts listed as charge off have been improperly reported as charge-offs multiple times instead of once, violating 15 U.S.C. 1681e ( b ). These accounts were charged off once, yet the charge-off status has been re-reported month after month for up to a year some over a year, which is inaccurate and misleading. Charge- offs can only occur once, and repeated reporting artificially prolongs the negative impact, violating FCRA accuracy requirements. These accounts must be removed immediately for failing to adhere to 1681e ( b ). Consumer claimed to have verified the information but only made false remarks/status on report. Additionally, under FCRA 1681n, willful non-compliance with these obligations entitles me to statutory damages ranging from {$100.00} to {$1000.00} per violation. Notably, I do not need to prove actual harm to claim these statutory damages. Furthermore, I will be pulling all past disputes submitted through the Consumer Financial Protection Bureau ( CFPB ) to review the lack of action taken in response to my disputes. If this matter is not resolved immediately, I will also be pursuing legal action to protect my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Initially, on XXXX XXXXXX/XX/year>, I was contacted by Ally Bank 's fraud department. Out of an abundance of caution and to prevent potential fraud, I hung up and called Ally Bank back using a known Ally Bank phone number. I had to call Ally bank numerous times to get someone to transfer me to their fraud department. Ally staff were NOT helpful. 

Once I finally reached Ally Bank 's fraud department and answered their questions, I was informed that I had been cleared and their concerns had been resolved. This matter involved a large personal check that I had written to myself and deposited into a newly opened checking account at XXXX XXXX XXXX 

However, the very next day, XXXX XXXXXX/XX/year>, when I attempted to log in to my Ally Bank online banking account, I received a notification stating that my access had been blocked. 

I immediately called Ally bank and was told after answering extensive questions that their fraud department was closed and would re-open at XXXX XXXX the next morning. 

I called Ally bank again on XXXX XXXXXX/XX/year>, and once again after answering numerous questions was told that their fraud department was closed and would re-open at XXXX XXXX 

I called again after XXXX XXXX XXXX and was then told that Ally 's bank fraud department was not available despite now being open and that I would need to call back again or that the fraud department would reach out to me. 

No one at Ally Bank helped me and I spent HOURS of time dealing with this throughout this week. I am currently locked out of all of my accounts at Ally Bank.

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 2025-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
Im not sure what the company is. I dont owe this debt. XXXX XXXX doesnt show any company information. I disputed it on XXXX XXXX and it was approved but its still on my XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: IL

Complaint narrative:
Please check information concerning the Equifax data breach below in the attachment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am a victim of identity theft. The information I will provide appears on my credit report that does not relate to any transactions I have made. It is a result if identity theft. I learned of these accounts on XX/XX/XXXX. I learned all my personal information is on the black market per XXXX XXXX including email, SSN, phone number. 

I contacted the accounts to report fraud, requested to close accounts and send me confirmation letters. 

XXXX XXXX XXXX - {$8900.00} XXXX XXXX XXXXXXXX - {$2500.00} XXXX XXXX XXXX XXXX {$360.00} JPMCB CRD XXXX - {$3500.00} JPMCB CRD XXXX - {$3900.00} JPMCB CRD XXXX - {$4100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: NV

Complaint narrative:
I am reaching out to formally request the immediate removal of an account listed on my credit report that is not only inaccurate but is currently involved in pending litigation. This account does not reflect the reality of my financial situation and is, in fact, a matter of legal dispute at this time. 

As you are likely aware, accounts involved in litigation should not be represented in the same manner as accounts that have been settled or closed. The inclusion of this account is both misleading and harmful to my credit report, and I am taking legal action to resolve the matter. Given the ongoing litigation, it is critical that this account be removed from my credit report immediately to prevent further harm to my credit score and financial reputation.

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