vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: KY

Complaint narrative:
I was XXXX  XXXX to XX/XX/year> Several.items on my credit report are not mine and should be removed because I did not do them and was XXXX  in XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXl as follows XXXXXXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX ky XXXX XXXX XXXX  {$2900.00} XXXX XXXX  XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX SD Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove these from my credit report pursuant to title 5 and title 15 of the privacy act and credit report act I was not giving anyone permissible purpose to send my personal information to 3rd party reporting agencies nor have I signed any contract stating I agree to have my personal information reported by 3rd party reporters or credit bureau

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 2025-01-28 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you 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 of XXXX XXXX XXXX XXXX  XXXX and would like for all listed Items to be blocked and deleted company information from TransUnion. 

Please delete the following Items XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  {$2800.00} XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX  - XX/XX/year>

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 2025-01-28 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have been disputing this account asking for it to be verified or removed because I never opened it and they have continuously sent me paperwork showing account history but no verification, no agreement or contract has been verified and I have disputed and requested this multiple times from the company. I have been requesting this information be corrected since XX/XX/2022, I dont understand how payment history is proof that I agreed to any contract or terms

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-01-28 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: GA

Complaint narrative:
I am writing in regard to report an inaccurate credit report entry. This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) and/or the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX. Dispute of Information I recently reviewed my credit report and identified the following inaccuracies reported by your company : Under the FCRA ( 15 U.S.C. 1681i ), I am requesting that you investigate this matter thoroughly and correct the inaccurate information. Please confirm, in writing, that the corrections have been made and notify all relevant credit reporting agencies ( XXXX, Experian, and XXXX ). 

XXXX. Request for Validation of Debt ( if applicable ) If this issue concerns a debt that you claim I owe, I am exercising my rights under the FDCPA ( 15 U.S.C. 1692g ) and formally requesting validation of the alleged debt. Please provide : XXXX XXXX  A detailed accounting of the alleged debt, including the amount, date incurred, and the basis for the obligation. 
Any signed agreements or contracts that substantiate the debt. 
XXXX. Request for Cease and Desist ( if applicable ) Until this matter is resolved, I request that you cease all collection efforts, including calls, letters, or electronic communications. Continued attempts to collect on this disputed debt may constitute harassment under the FDCPA.

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 2025-01-28 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: NC

Complaint narrative:
My name is XXXX XXXX please take note that I am personally writing this complaint. Again, no third party involved. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I am not aware of all of this stuff ; I will have the FTC investigate on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AA Recovery Solutions, Inc.
State: AZ

Complaint narrative:
Complaint Details : Debt Collector Name : AARS Original Creditor : XXXX XXXX  Current Owner of the Debt : XXXX XXXX XXXX Issue Summary : I am filing this complaint because AARS has engaged in repeated and harassing behavior in their attempts to collect a debt. They have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) by : 1. Harassing Communications : AARS has been contacting me from multiple different phone numbers at all hours of the day, including via text messages. 
They have left voicemails with threatening language, such as moving the case and verifying employment information. 
XXXX. Unlawful Third-Party Contact : AARS has contacted my partner ( we are not married ), his family, my family, and my workplace without my consent. 
I never provided permission for them to contact third parties regarding this debt. 
XXXX. Failure to Provide Debt Verification : The debt was originally with XXXX XXXX, sold to XXXX XXXX XXXX, and is now being pursued by AARS. Despite these changes, I have not received proper documentation or verification of the debt. 

Impact on Me : The harassment and third-party contact have caused significant stress and embarrassment.

The voicemail threats have made me fear for my personal and professional reputation.

Supporting Evidence : Call logs showing the frequency and times of their calls.

Voicemails or text messages left by AARS. 
Statements from my partner, family, or workplace regarding their contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: TX

Complaint narrative:
I am willing to file complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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:
The accounts that are listed is not my account. I have no knowledge of these accounts.Code 15 USC 1681b states that the items have to be removed. Please remove the accounts off my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NC

Complaint narrative:
My name is XXXX XXXX please take note that I am personally writing this complaint. Again, no third party involved. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I am not aware of all of this stuff ; I will have the FTC investigate on 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 2025-01-28 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: NC

Complaint narrative:
I am filing this complaint regarding two inaccurate items on my credit report that continues to negatively impact my credit. Despite my many efforts to resolve this directly with the reporting agency, it remains unresolved. I have disputed both accounts several times ( XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> ) with Experian leaving the inaccurate and incomplete files on my credit report. 

In my most recent dispute ( XX/XX/year> ) I sent a physical correspondence begging the bureau to please reinvestigate because the accounts are still reporting with several inaccuracies which is a violation of the FCRA : less then 48 hours, Experian alerted me that both accounts would remain on my credit report ( no investigation methods and no results posted! ). The exact verbiage was : This INCORRECT account with XXXX has not been changed and will remain on your credit report. 

I called the dispute department immediately after, on XX/XX/XXXX at XXXX pm and I spoke to a representative named XXXX for fifty-nine minutes ( RECORDED CALL ) : the representative was unable to find any results for the current dispute and or why the account remained. The representative then told me that I should just contact the creditor as they are the ones who keep sending in this incorrect information I followed up with an ending question : " ... so it is your job as the CRA to report complete and accurate information and you are WILLINGLY reporting these accounts inaccurately? ". 

Experian ensured me that they would reach out to the furnisher and verify all information but they have failed me as a company and violated my consumer rights. Their negligence has cost me many opportunities. The furnisher clearly is not reliable and they have yet to conduct a thorough and complete investigation. 

I have attached several photos of the same response/result that I have consistently received after every dispute as well as a timeline and certified mail receipts. I also attached both accounts reporting status currently with several inaccuracies circled.

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 2025-01-28 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Accounts and Request for Immediate Action Due to Equifax XXXX XXXX Dear Equifax , I am writing to formally dispute the fraudulent activity on my credit file resulting from the Equifax data breach, which exposed sensitive personal information of millions, including mine. Specifically, I am disputing the following accounts : XXXX. XXXX XXXX Account ( Account Number : XXXX ) XXXX. XXXX ( XXXX ) Account ( Account Number : XXXX ) XXXX. XXXX XXXX XXXX Account ( Account Number : XXXX ) Under the Fair Credit Reporting Act ( FCRA ), I demand that these accounts be investigated and removed immediately as they were not authorized by me. The breach of your systems in XXXX compromised my personal data, directly leading to these fraudulent activities. 
Additionally, I am requesting reimbursement for time spent resolving these issues and any out-of-pocket expenses as per the Equifax settlement terms. Enclosed are supporting documents detailing the fraudulent accounts and my efforts to address them. 
Failure to act promptly will leave me no choice but to escalate this matter legally under FCRA provisions and seek further damages. I expect written confirmation within 30 days regarding the resolution of this dispute. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: MA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any Items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX BALANCED {$43000.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX BALANCED {$27000.00} DATE OPEN : XX/XX/XXXX XXXX XXXX  XXXX BALANCED {$92000.00} DATE OPEN : XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX EXPERIAN XXXXXXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am write to dispute several unauthorized inquiry on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 

After reviewing my recent credit report, I have identified the following inquiry that I don't recognize or authorize : Disputed Inquiry : XXXX XXXX XXXXXXXX XX/XX/year>

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 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
account numberXXXX account balance : {$190.00} To Whom It May Concern : I am writing in reference to the collection account reported on my credit file associated with the account number mentioned above. This account is negatively impacting my credit profile, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to request validation of this debt and to demand that you cease all communication with me regarding this matter. Pursuant to 15 U.S.C. 1692g, I request that you provide the following information to validate this debt : 1. The name and address of the original creditor.

2. A copy of the signed agreement or contract that allegedly obligates me to pay this debt.

3. A complete account history, including all charges, payments, and credits applied to the alleged debt.

4. Documentation showing that you have the legal right to collect on this debt.

Until this information is provided, I demand that this collection account be removed from my credit report as reporting inaccurate or unverifiable information violates 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ). Additionally, under 15 U.S.C. 1692c ( c ), you are hereby notified to cease and desist all communication with me regarding this matter. Any further attempts to contact me will be considered a violation of federal law. 

I expect written confirmation that this collection account has been removed from my credit report and that you have ceased all collection efforts. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PR

Complaint narrative:
I am filing a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices in accordance to the customer financial protection act, CFPA. Cash app failed to take timely and effective measures in regards to preventing fraudulent occurrences, leaving my account vulnerable to information exposure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation 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 XXXX, alleging systemic issues such as failing 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 XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction 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