vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-13 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:
I do not recognize the negative accounts appearing on my credit

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 2025-02-13 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: GA

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 explanation
Consumer complaint received 2025-02-13 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 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 2025-02-13 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-02-13 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-02-13 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 formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. This issue appears consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: Credit Karma, LLC
State: TX

Complaint narrative:
Credit Karma ran my credit on XX/XX/year> and on other dates after that day without my permission. I believe I am a victim of Identity theft and would like th credit check off of my credit report because I did not personally authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I have received numerous calls for debt collection for a credit card which is excessive. 
Calls received from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There have been XXXX calls in 5 days. I believe this is harassment. Each call is logged on my phone.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute a late payment entry on my credit report that is being reported by XXXX. This late payment is inaccurate, and I request their immediate removal under my rights granted by the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 

The account was suddenly closed by the Creditor in XX/XX/year> and reported 30 days late as of XX/XX/year>. 

Basis for Dispute : Violation of 15 U.S.C. 1681 ( a ) The Fair Credit Reporting Act requires that all information reported to consumer reporting agencies be accurate, complete, and verifiable. I demand documented proof that these late payments were correctly reported. If the furnisher can not verify the accuracy of the reporting, these late payments must be removed.

Violation of 15 U.S.C. 6801 The Gramm-Leach-Bliley Act ( GLBA ) mandates that financial institutions ensure the security, confidentiality, and accuracy of consumer financial data. I have reason to believe that my data may not have been handled with the necessary diligence.

Violation of 15 U.S.C. 1692c ( c ) The Fair Debt Collection Practices Act ( FDCPA ) establishes that consumers have the right to dispute and request validation of any alleged debt. I demand validation of these late payments, including a copy of original payment history and proof that I was properly notified per the terms of my agreement.

Violation of 15 U.S.C. 6802 Under the GLBA, financial institutions must provide clear notice to consumers regarding how their data is being used and must ensure proper security. If there were any miscommunications or errors in reporting, these late payments must be deleted as they were not properly disclosed or verified.

Request for Immediate Action : Please provide full validation and evidence of these late payments within 30 days. This includes a signed contract proving I agreed to the terms, payment ledger documentation, and proof of notice before reporting derogatory marks.

If the information can not be fully verified, I request that all late payment entries be permanently removed from my credit report across all bureaus ( XXXX, XXXX, and TransUnion ). 
I request confirmation of this correction in writing. 
Failure to comply with this request may result in a formal complaint to the Federal Trade Commission ( FTC ) and possible legal action. I appreciate your prompt attention to this matter. 

Sincerely, -Rajiv Removal of negative late payment mark on Credit report.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute a late payment entry on my credit report that is being reported by XXXX. This late payment is inaccurate, and I request their immediate removal under my rights granted by the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 

The account was suddenly closed by the Creditor in XX/XX/year> and reported 30 days late as of XX/XX/year>. 

Basis for Dispute : Violation of 15 U.S.C. 1681 ( a ) The Fair Credit Reporting Act requires that all information reported to consumer reporting agencies be accurate, complete, and verifiable. I demand documented proof that these late payments were correctly reported. If the furnisher can not verify the accuracy of the reporting, these late payments must be removed. 

Violation of 15 U.S.C. 6801 The Gramm-Leach-Bliley Act ( GLBA ) mandates that financial institutions ensure the security, confidentiality, and accuracy of consumer financial data. I have reason to believe that my data may not have been handled with the necessary diligence.

Violation of 15 U.S.C. 1692c ( c ) The Fair Debt Collection Practices Act ( FDCPA ) establishes that consumers have the right to dispute and request validation of any alleged debt. I demand validation of these late payments, including a copy of original payment history and proof that I was properly notified per the terms of my agreement.

Violation of 15 U.S.C. 6802 Under the GLBA, financial institutions must provide clear notice to consumers regarding how their data is being used and must ensure proper security. If there were any miscommunications or errors in reporting, these late payments must be deleted as they were not properly disclosed or verified.

Request for Immediate Action : Please provide full validation and evidence of these late payments within 30 days. This includes a signed contract proving I agreed to the terms, payment ledger documentation, and proof of notice before reporting derogatory marks.

If the information can not be fully verified, I request that all late payment entries be permanently removed from my credit report across all bureaus ( Equifax, XXXX, and XXXX ). 
I request confirmation of this correction in writing. 
Failure to comply with this request may result in a formal complaint to the Federal Trade Commission ( FTC ) and possible legal action. I appreciate your prompt attention to this matter. 

Sincerely, -XXXX  Removal of negative late payment mark on Credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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:
This complaint is not a mistake and requires urgent attention. My credit report contains mixed information, and I have repeatedly come across accounts, transactions, and items that are not mine. This ongoing issue is extremely concerning and has been causing me significant stress and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: IL

Complaint narrative:
Fraudulent collections account stopping me from getting a house for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: IL

Complaint narrative:
Fraudulent collections account stopping me from getting a house for my family.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-02-13 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:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: MD

Complaint narrative:
I have contacted Experian numerous times about the fraudulent items and addresses on my credit report. they responded that the fraudulent items were verified by the vendor. what vendor. these items in my credit report are fraudulent or some type of error that needs to be removed immediately I have contacted courts, XXXX XXXX XXXX and XXXX, who have all responded and confirmed that they any of the items are listed with them. SO WHAT VENDOR DID EXPERIAN USE TO VERIFIY INCCORRECT FRAUDULNET ITEMS?

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 2025-02-13 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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 listing an account fraudulent from my Experian, Transunion and Equifax Credit Reports. XXXX XXXX XX/XX/year>2025. Listed account does not belong to me and must be removed from all 3 credit bureaus. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting Experian, Transunion and Equifax to mark this account as fraudulent and remove from all my 3 credit reports.

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 2025-02-13 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:
I am writing to formally dispute an inquiry on my credit report that I did not authorize. This inquiry is fraudulent and was never made by me. I have reviewed my records thoroughly, and there is no reason or authorization on my part for this inquiry to have been initiated. It is clear that this activity does not reflect my actions, and I am concerned about the security of my personal information.

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 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
So I bought a hoodie from a online store and the total was XXXX . I thought nothing of it because it looked like a legitimate company and purchased on XX/XX/year>. And come to find out they are a scam and don't ship out orders frequent and I purchased using my cashapp card. I had money on my cashapp account so I decided to just use it. And several weeks past by and I haven't gotten no update on my order so I try to cancel it but there no option. So I contact cashapp and give them several pictures and documents regarding that I have not receive my order and they denied my request XXXX  times. Saying the merchant fulfilled there goods. And I have tried contacting them and trying to explain but they do not help me XXXX bit. I honestly feel like they are not even attempting to resolve the issue because when I asked for th resources they used to solve this claim all it said was since i paid on my end everything is okay and the seller did his part which makes no sense. I got denied on the XXXX and XXXX of XXXX and contacted them to ask them what they need specifically and they told me on the phone and filed for another one and then got denied again on the XXXX which was yesterday. I am not gon na keep putting out all this detail and eveidence just for them to deny so I would love if you guys can help me get a solution from cashapp.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
This alleged debt was already removed because the utility XXXX XXXX could not verify the date over a year ago and the time for them to reverify the debt has closed by statute. The debt collector hired by XXXX XXXX, Trans World Systems and XXXX XXXX were served with debt validation letters and they could not verify the debt and subsequently expunged the alleged debt over a year ago. This alleged debt has now been reinserted to my credit report in an unauthorized manner, not compliant with statues and improper and unlawful and not comporting to law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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 to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

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