vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: MS

Complaint narrative:
I recently received a copy of my credit report and noted items on my report that are fraudulent accosts and inquiries. I have filed a Theft report with the FTC and have it attached. Please remove the following fraudulent accounts from my credit report. 
XXXX XXXX XXXX XXXX XXXX, in the amount of {$2000.00} XXXX XXXX XXXX XXXX XXXX, in the amount of {$1100.00} XXXX XXXX XXXX XXXX XXXX, in the amount of {$660.00} The following inquiries are included in the fraudulent accounts on my report ; Please remove these also.

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 explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: T.S. Holdings
State: TX

Complaint narrative:
XXXX XXXX I.Q . Data XXXX opened account on XX/XX/year> in the amount of {$6800.00}, which it appears as a mortgage collection on my credit report and I never applied for a mortgage or home in my whole life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: TX

Complaint narrative:
These debt collectors are attempting to fraudulently collect a debt, through deceptive practices and misrepresentation. In accordance with the Fair Credit Reporting Act XXXX USC XXXX XXXX ( 5 ) ( a ) & XXXX USC XXXX ( g ) & ( c ). Information that is inaccurate or incomplete must be deleted .The accounts listed below are violating my rights under the Fair Credit Reporting Act, Fair Debt Collection Practices Act and many more. 
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 2025-01-25 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:
These debt collectors are attempting to fraudulently collect a debt, through deceptive practices and misrepresentation. In accordance with the Fair Credit Reporting Act 15 USC 1681 I ( 5 ) ( a ) & 15 USC 1692 ( g ) & ( c ). Information that is inaccurate or incomplete must be deleted .The accounts listed below are violating my rights under the Fair Credit Reporting Act, Fair Debt Collection Practices Act and many more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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 discovered multiple fraudulent accounts on my TransUnion credit report, including : XXXX XXXX ( Account XXXX XXXX  ) XXXX ( Account XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX, Account XXXX XXXX ) These accounts were opened without my authorization. I filed an FTC Identity Theft Report and submitted disputes with supporting documentation, including proof of identity and address. Despite my efforts, TransUnion has failed to remove these accounts, violating FCRA 611 and 609 by not conducting a proper investigation or removing unverifiable 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 non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Park Hill Holdings
State: TN

Complaint narrative:
This information is incorrect, I was never evicted from this property so under the FCRA I request you investigate this matter right away and remove the inaccurate information from my report. You are damaging my tenant screening 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 explanation
Consumer complaint received 2025-01-25 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: Leafy Financial, LLC
State: TX

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Tenant Data Services Inc
State: TN

Complaint narrative:
This information is incorrect, I was never evicted from this property so under the FCRA I request you investigate this matter right away and remove the inaccuate information from my report. You are damaging my tenant screening report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: OK

Complaint narrative:
Unrecognizable inquiries on credit reporting had them dispute even add address on there that I have never lived at

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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filling a complaint against cash app ( block , inc ) sure to inadequate customer service and unfair practices, which violates the customer 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 fire these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: NC

Complaint narrative:
XX/XX/year> Re : Dispute of Unauthorized Information Reporting Request for Investigation Dear Sir/Madam, I am writing to formally dispute the information reported on my credit file that appears to have been furnished without my written consent, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b.

I recently reviewed my credit report and found that certain information was either obtained or reported by your agency without my prior written authorization. As per the FCRA, credit reporting agencies and data furnished must have my explicit consent to obtain, disclose, or report my personal credit information. I have not provided such written consent to any third party, nor have I authorized any request for my credit file.

All closed accounts and collection accounts According to 15 U.S.C. 1681b, the only instances where a credit report may be accessed without consent are limited to specific exceptions, none of which apply to the situations reflected on my report. The unauthorized reporting or furnishing of information in this case is in violation of my rights under the law.

Please investigate this matter immediately and remove any such unauthorized information from my credit report. I request that you provide me with the results of your investigation and a corrected copy of my credit report after the necessary updates have been made. 

Enclosed are the relevant documents and identification to assist in your investigation. 

Thank you for your prompt attention to this matter. I look forward to receiving your written response and the corrected information as required by law. 

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 2025-01-25 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: PA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ), to conduct a reasonable reinvestigation of my disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. I am requesting immediate corrective action to remove or ammend the reported accounts, as it is causing on-going harm to my credit report and Experian in-action violates my federal 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
Consumer complaint received 2025-01-26 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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of the disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unrealizable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed the mentioned accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: VA

Complaint narrative:
It has been brought to my attention that the CFPB has an active lawsuit against Experian for conducting sham investigations and illegally conducting business. 

I have been negatively impacted by these poor /illegal business practices which are conducted by Experian. 

Which has drastically affected my life in a negative way. These poor business practices have hurt my chances of having accurate credit scores after receiving responses to my earlier disputes that the accounts were verified. 

My family and I have been denied credit on numerous times as well as housing due to these poor investigations that allegedly resolved as verified. 

Quickly resolve this issue by delete these files immediately.

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 2025-01-25 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 ( 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Request for Deletion of Collection Account Based on 15 U.S. Code 1681e ( b ) Dear Sir or Madam, I am writing to dispute a collection account on my credit report related to Progressive, which was reported as a collection on XX/XX/year>. Under 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information on consumer credit reports. 



After reviewing my credit report, I believe that the information regarding this collection account is either inaccurate, incomplete, or unverifiable. Specifically, I have identified the following issues with the reported collection : I dont own nor have any knowledge of this account. 



As per the requirements of the FCRA, I request that you investigate this collection account and remove it from my credit report if the information is found to be inaccurate or unverifiable. 



Please provide me with written confirmation of the results of your investigation and the outcome of this dispute. In addition, if this collection is found to be unverifiable or inaccurate, I request that it be deleted from my credit file. 



I look forward to your prompt response, as required by the FCRA, within 30 days from the receipt of this letter. 



Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This information is incorrect, I was never evicted from this property so under the FCRA I request you investigate this matter right away and remove the inaccurate information from my report. You are damaging my tenant screening 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 explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ideal Collection Services, Inc.
State: OH

Complaint narrative:
I am submitting this complaint regarding XXXXXXXX XXXX failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. Despite providing evidence to support my claims, XXXX has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer int ethe Fair Credit Reporting Act ( FCRA ) I have submitted disputes for these accounts and provided documentation to prove the information is either inaccurate or unverifiable. However, XXXX has either failed to verify the information properly or has responded with a generic " verified '' statements without explaining their investigation process or correcting the errors. 

This failure to conduct a reasonable investigation has caused harm to my credits score and financial well-being, affecting my ability to get approved for credit, loans, housing, etc. 

I am requesting the following actions from XXXX through the CFPB : 1. Conduct a proper and thorough investigation into the accounts I've disputed. 
2. Provide me with detailed explanation of the steps they've taken to verify or correct the information. 
3. Remove any inaccurate or unverifiable information from my credit report immediately. 

Thank you for your assistance in addressing this matter and ensuring that XXXX complies with federal laws to protect consumers like me. 

Sincerely XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: MD

Complaint narrative:
I cant begin to explain how fed up I am with the inaccuracies on my report. These errors are not just inconvenienttheyre ruining my score and blocking opportunities Ive worked hard for. Its so unfair to feel like my future is being determined by mistakes that arent even my fault. Ive tried to remain patient, but this is beyond frustrating.

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 2025-01-25 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 filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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:
Under the FCRA you are required to Conduct a proper investigation into my disputes inform me of the result of you investigation in a clear and comprehensible manner Provide me with an documentation you rely on if the disputed finformation is verified as accurate Ensure tht inaccurate or unverifiable information is corrected or removed from my credit report promptly. If the investigation concludes that the information can not be verified or remains inaccurate. I request the immediate removal or correction of this information from my credit report Furthermore, I request written confirmation of the actions you take in response to the dispute. If you fail to resolve this matter promptly I look forward to your response within the legally mandated 30 day timeframe 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 explanation
Consumer complaint received 2025-01-25 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 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