vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX my phone was stolen with some other personal items, bank card, social, and other items. I do not keep a lock on my phone due to me having a child so it is easier for him to access. I was at work when all the transfers and transactions started happening. Once I was able to figure out what was going on around noon, I ran to my bank closed out my account, went to t mobile reported my phone stolen, got back to work called the police and did a police report. My bank was able to refund me for the XXXX  transactions but cash app is denying the transactions that were made through cash app, they then took all my money on XXXX XXXX transferred it to cash app added there bank/bank card and withdrew all my money, and also sent someone {$800.00} that I never had any communication or transactions with. I never in my life used bitcoin and they were transferring money through bitcoin. When I first reported it on the XXXX of the day it started happening cash app only dispute XXXX of the transactions that was {$800.00} and denied my dispute. they withdrew XXXX to THERE bank. I told cash app about all the transactions that needed to be disputed and they only dispute XXXX which they denied. Then I had to RESUBMIT my claim plus my other ones again on the XXXX. They have everything all my documents of proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Reviewed my credit report and found Accounts, Addresses, Inquiries, Personal information, names, on my credit report that I did not authorize, apply for, had no knowledge of .. after notifying the credit bureu I was instructed to file a Police report, and a identity theft report, about the fraudulent, and derogatory accounts, and information on my credit report.. I submitted a Dispute letter with the attached proof of identification copies of my, drivers license, social security card, current utillity bill, and a identity theft report from the FTC Federal Trade Commission .. after waitnig 45 day plus there has been no response, or resolution .. Im requesting that all fraudulent, and derogatory information on my credit report be removed, deleted, blocked from my credit report per the FCRA..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: NM

Complaint narrative:
Pursuant to the provisions outlined in 15 U.S.C. 1666b, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts : mortgage loan account opened at XXXX XXXX on XX/XX/year>, as my payments were submitted timely.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation.

Please be advised that : 1. I dispute the entire amount of the alleged debt.

2. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached.

3. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me.

4. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt.

As per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within 30 days. Also, please be aware that I request all future communications be in writing.

If you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter.

Thank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within 30-45 days ]. 

Sincerely, 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 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
It started yesterday with an email saying that a new phone number had been added to my account. A couple of minutes later, I got another email stating the password had been reset. I've been in IT for a long time and can pretty easily spot phishing messages and other attempts to steal information via email. These emails were legit. Be that as it may, I opened a new browser window and went directly to paypal.com. Sure enough, my password was wrong ( I use a password manager with unique, very strong passwords for every account I have ) and I had to use the " forgot password '' link to reset it. Once I got into my account, I noticed that someone had changed my SSN, changed my password, added a different 2FA authenticator, and also added another phone number on the account. I removed all of that information, replaced it with mine, then changed my password once again.

I thought after all that, it should be the end of it. Nope, this morning I got yet another email stating that my password had been changed. Using the same steps I took yesterday, I got access back to my account. Once again, the SSN and phone number were different. Contacting PayPal was again useless ; they tried to blame me for the issue. I asked them how they could blame me for an account takeover when they didn't even ask me for a single piece of information on that phone call to prove I was who I said I was. She was silent. The only way that someone could add a phone number to the account without access to log into the account is 1 ) someone inside PayPal maliciously added the phone number as part of an illegal operation, or 2 ) someone from the outside was able to contact PayPal support, convince them they were the account owner, and have a number added.

I consider PayPal to be a financial institution. Someone should NEVER be able to take over an account by social engineering or any other means. Yet it happened twice in two days in this instance. That's doesn't bode well for the measures and controls that PayPal has in place. I requested that my personal data be deleted and closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : Auto Loan account opened at XXXX XXXX XXXX XXXX Auto Loan account opened at XXXX XXXX  on XX/XX/2013, which is being inconsistently reported among the XXXX credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
CFPB Complaint Letter To Whom It May Concern, I am submitting this complaint against Transunion for repeated violations of the Fair Credit Reporting Act ( FCRA ), specifically regarding their failure to ensure accurate reporting, provide proper documentation, and conduct lawful reinvestigations. I submitted formal disputes on the following accounts, but Transunion responded by immediately updating the reports without verifying the information or providing any proof, in violation of FCRA 611 ( a ). 

The following accounts are being reported inaccurately XXXX ( 6 Accounts ) Late Payment Reporting ( Student Loans Account # XXXX ) Each student loan account shows late payments after forbearance periods and contains inconsistent reporting. No supporting documentation has been provided. This violates : - FCRA 607 ( b ) Maximum possible accuracy - FCRA 609 ( a ) ( 1 ) Right to documentation and source of information - FCRA 611 ( a ) Failure to conduct a proper reinvestigation Collection Accounts ( 6 Accounts ) XXXX. XXXX XXXX XXXX * * * ( Collection Acct : {$2000.00} ) XXXX. XXXX XXXX XXXX * * * ( Collection Acct : {$1400.00} ) XXXX. XXXX XXXX XXXX ( XXXX Acct {$540.00} ) XXXX. XXXX XXXX # XXXX ( Collection Acct {$2500.00} ) XXXX. XXXX XXXX # XXXX ( XXXX Acct {$110.00} ) XXXXXXXX XXXX XXXX : ( Collection Acct {$430.00} ) Each of these accounts reports static balances, lacks evidence of ongoing collection efforts, and has no documentation to verify the debt, in violation of FCRA 607 ( b ), 609 ( a ) ( 1 ), and 611 ( a ). 

- XXXX XXXX XXXX XXXX ( Charge-Off : {$7000.00} ) - XXXX XXXX XXXX ( Charge-Off ) - XXXXXXXX XXXX XXXX XXXX  ( Charge-Off ) This account is reporting repeated monthly charge-off statuses from XXXX through XXXX, with no post-charge-off activity and no explanation for increased balances. This is misleading and violates : - FCRA 607 ( b ) Maximum possible accuracy - FCRA 609 ( a ) ( 1 ) Right to source and verification - FCRA 611 ( a ) Failure to investigate I respectfully request that these entries be deleted from my credit report in accordance with federal law. 

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 non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In response to the company 's response to my XX/XX/year> complaint allegeing that they verified accounts that were a product of Idenity theft due to data breaches on 35 separate dates and companies. Please see Idenitity theft doucments attached to this complaint. These credit reporting agencies are doing NO REAL INVESTIGATIONS. THEY ARE JUST COMFIRMING WHAT THEY COMPANY HAS ALREADY FRAUDULENTLY REPORTED. They contimue to report fraudulent Addresses on my report. XXXX XXXX in california and adressses I have never lived at. XXXX XXXX XXXX, XXXX MD, and every other address other than XXXX XXXX XXXX, XXXX XXXX, NY XXXX my former address and XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX are not places I resided and must be removed. All the accounts listed in my Identitty theft reports are to be removed within 4 business days. They are also allowing accounts like XXXX to report on my credit report after the 7 year staute. That accounts must be removed. Finally, Transunion will not let me access my credit score, which is clearly stated on my attached Transunion credit report. 

All Addresses other than XXXX XXXX XXXX, XXXX XXXX, NY XXXX-former and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ( current ) must be removed.

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 2025-04-23 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: IA

Complaint narrative:
In XXXX, I noticed a significant dip in my credit score. Having had nothing change, I inquired to my father because he is a cosigner on some of my student loans. He noticed his had gone down by over XXXX points and a new loan financer was on his account, XXXX. Being his only relative that he cosigned for and being the only person in school at the time of the loan, I am the only person this could be tied to. However, all of my federal student loans are included in the XXXX repayment plan and have been in deferment for a very long time. Additionally, I have verified that all of my student loans were transferred ( or should have been ) to XXXX. The only other loan I have was cancelled and it was under XXXX. I finally was able to get through to XXXX and they confirmed over the phone on XX/XX/23 that they have no record of my student loans. This is incredibly important that we get this fixed, as both of us have need of our credit rating for various things. This is a huge impact to our credit ratings.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: UPGRADE, INC.
State: MI

Complaint narrative:
Even though this debt was sold off to a debt collector, the company Upgrade continues to call me everyday 7 days a week! I tried to negotiate the debt issue but they tell me it has already been sold off. Yet they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am filing a complaint against Experian for failing to investigate and resolve a dispute regarding inaccurate and derogatory information on my credit report. 

The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX I disputed this account with Experian, asserting that the information being reported is inaccurate. However, Experian failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). I did not receive adequate communication or evidence of a proper reinvestigation, and the derogatory status of the account remains unchanged. 

This failure to properly investigate has caused harm to my credit profile and limited my financial opportunities. I am requesting the CFPB to investigate this matter and compel Experian to fulfill its legal obligations under the FCRA. 

Attached are relevant documents supporting my claim, including copies of my credit report, dispute correspondence, and any responses received. 

Thank you for your 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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There is a collection on my report that doesnt belong to me as well as late payments from 2019 where I was not late at all.

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 2025-04-23 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Experian

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$5700.00} Open Date XX/XX/XXXX XXXX  Balance {$660.00} Open Date XX/XX/XXXX XXXX Balance {$640.00} Open Date XX/XX/XXXX Inquiries XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date XXXX XXXX, XXXXXXXX XXXX XXXXXXXX VIA DEALER Date XXXX XXXX, XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief