vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This letter is in response to your recent claim regarding the above-mentioned account, which you claim I owe {$520.00}. 

I requested that you provide me with a copy of any viable evidence showing the account is being reported accurately. 

I am now requesting the method of verification procedure you used to determine the accuracy and completeness of the information you are furnishing on my credit report. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

I am again formally requesting a copy of any documents, showing that I have a legally binding contractual obligation to pay you the alleged amount. I am also requesting the record that reflects the process by which my signature was generated/executed. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 

I will also provide a copy of this letter to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: PA

Complaint narrative:
While reviewing my credit report this morning, I noticed accounts that do not belong to me, and I have no idea why they are there. I routinely check my report, but this time, I saw inconsistencies that caught me off guard. I refreshed my browser, thinking it could be a glitch, but the incorrect accounts remained. Because of this, I kindly request a thorough review of the documents I have provided to resolve this issue permanently.

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 2025-02-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Tribal Lending Enterprise, Inc.
State: KY

Complaint narrative:
They con you into an insanely high interest loan when youre venerable and you end up struggling worse than you were before you took the loan just to pay it back and will not help you. I have begged for assistance or lowering the rate but it is not an option.

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 2025-02-21 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX Account # : XXXX XX/XX/XXXX Account # : XXXXXX/XX/XXXX Account # : XXXXXX/XX/XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am formally disputing the accuracy and validity of multiple accounts and inquiries listed on my credit report. I request an immediate reinvestigation and clarification regarding the source of this information, as well as the verification methods used to confirm its accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am formally disputing the accuracy and validity of multiple accounts and inquiries listed on my credit report. I request an immediate reinvestigation and clarification regarding the source of this information, as well as the verification methods used to confirm its accuracy.

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 2025-02-21 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: NY

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: TX

Complaint narrative:
I asked them to share original signed contract and proof of loan default i got behind during covid and was told that late payments wouldn't occur

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 2025-02-21 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: TX

Complaint narrative:
I asked them to share original signed contract and proof of loan default i got behind during covid and was told that late payments wouldn't occur

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 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against cash app ( Block , Inc ) Die to inadequate customers service and unfair practice, which violates the consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and i seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
The amount {$22000.00} Rental Collection on my credit Date states : XX/XX/year>- this is an incorrect date Collector : Sequilem Assest Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: IL

Complaint narrative:
During the period of XXXX Navy Federal consistently charged me overdraft fees of {$36.00} each when I made purchases with enough money to cover the transaction, but the account had a negative balance when the purchase posted. Due to them closing my account I am unable to access the $ $ amount, which is believed to be well over {$5000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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 dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXX XXXX XXXXXXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NM

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 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
First box 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 2025-02-21 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: TN

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable negative information contained in my credit report issued by Equifax. This dispute is being submitted under my rights granted by the Fair Credit Reporting Act ( FCRA ). 
Upon reviewing my credit report, I have identified the following negative accounts that contain errors and must be deleted immediately : Negative Accounts with Errors and FCRA Violations 1. XXXX XXXX XXXX Reported Status : " Charge Off '' ( Should be reported as " Paid '' or " Settled '' ) Account Number : XXXX Violation : 15 U.S.C. 1681c ( a ) - Reporting obsolete information PLEASE DELETE THIS FROM MY CREDIT REPORT. 
XXXX. XXXX Reported Balance : {$63.00} ( Incorrectly reported as unpaid when settled ) Account Number : XXXX Violation : 15 U.S.C. 1681s-2 ( b ) - Failure to correct inaccurate information after dispute PLEASE DELETE THIS FROM MY CREDIT REPORT 3. XXXX XXXX XXXX XXXX ( Collection for XXXX XXXX ) Reported Balance : {$210.00} ( Paid, but still showing as active collection ) Account Number : XXXX Violation : 15 U.S.C. 1681s-2 ( a ) - Furnishing inaccurate information PLEASE DELETE THIS FROM MY CREDIT REPORT 4. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Reported Status : " Collection '' ( Incorrect as account was settled ) Account Number : XXXX Violation : 15 U.S.C. 1681e ( b ) - Failure to ensure maximum possible accuracy PLEASE DELETE THIS FROM MY CREDIT REPORT Legal Basis for Removal & Compensation Under 15 U.S.C. 1681i, Equifax is required to investigate and correct or delete inaccurate, incomplete, or unverifiable information within 30 days. Additionally, each violation of the FCRA can result in damages up to {$1000.00} per infraction under 15 U.S.C. 1681n.

Based on my findings, I am demanding : Immediate deletion of all inaccurate negative information.

Compensation of [ {$4000.00} ] for 4 violations of the FCRA.

A corrected credit report sent to my address.

Failure to comply with this request within the legally mandated timeframe will result in additional formal complaints and potential legal action. 
Please confirm receipt of this dispute by mail or email. Thank you for your prompt attention to this matter. 

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 2025-02-21 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: TN

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable negative information contained in my credit report issued by Equifax. This dispute is being submitted under my rights granted by the Fair Credit Reporting Act ( FCRA ). 
Upon reviewing my credit report, I have identified the following negative accounts that contain errors and must be deleted immediately : Negative Accounts with Errors and FCRA Violations 1. XXXX XXXX XXXX Reported Status : " Charge Off '' ( Should be reported as " Paid '' or " Settled '' ) Account Number : XXXX Violation : 15 U.S.C. 1681c ( a ) - Reporting obsolete information PLEASE DELETE THIS FROM MY CREDIT REPORT. 
XXXX. XXXX Reported Balance : {$63.00} ( Incorrectly reported as unpaid when settled ) Account Number : XXXX Violation : 15 U.S.C. 1681s-2 ( b ) - Failure to correct inaccurate information after dispute PLEASE DELETE THIS FROM MY CREDIT REPORT 3. XXXX XXXX XXXX XXXX ( Collection for XXXX XXXX ) Reported Balance : {$210.00} ( Paid, but still showing as active collection ) Account Number : XXXX Violation : 15 U.S.C. 1681s-2 ( a ) - Furnishing inaccurate information PLEASE DELETE THIS FROM MY CREDIT REPORT 4. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Reported Status : " Collection '' ( Incorrect as account was settled ) Account Number : XXXX Violation : 15 U.S.C. 1681e ( b ) - Failure to ensure maximum possible accuracy PLEASE DELETE THIS FROM MY CREDIT REPORT Legal Basis for Removal & Compensation Under 15 U.S.C. 1681i, Equifax is required to investigate and correct or delete inaccurate, incomplete, or unverifiable information within 30 days. Additionally, each violation of the FCRA can result in damages up to {$1000.00} per infraction under 15 U.S.C. 1681n.

Based on my findings, I am demanding : Immediate deletion of all inaccurate negative information.

Compensation of [ {$4000.00} ] for 4 violations of the FCRA.

A corrected credit report sent to my address.

Failure to comply with this request within the legally mandated timeframe will result in additional formal complaints and potential legal action. 
Please confirm receipt of this dispute by mail or email. Thank you for your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX of debt XXXX  and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


XXXX XXXX - XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IncorrectPersonal XXXX XXXX XXXX - IncorrectPersonal

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 2025-02-21 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: IL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-02-21 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 was reviewing my credit report and noticed that there was a fraudulent account opened under my name without my consent. I am opening this FTC report to dispute the fraudulent account opened under my name. Dispute and remove the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief