vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Subject : Request for Reconsideration Auto Repossession on Credit Report I am reaching out regarding an auto loan for a vehicle jointly financed with a second owner. Unfortunately, the vehicle experienced a catastrophic engine failure despite being under both the manufacturer 's and an extended warranty. 
XXXX XXXX in XXXX, TX, diagnosed the issue but refused warranty coverage, alleging unauthorized modificationsclaims that were entirely false. The actual failure was due to a faulty water pump, which, while listed in a Technical Service Bulletin, was not covered. Both XXXX and my extended warranty provider denied the repair, leaving me with an unaffordable {$15000.00} engine replacement cost. 
Given these circumstances, I had no choice but to discuss voluntary repossession with Santander. The vehicle was sold at auction, leaving a remaining balance of {$9800.00}. Around this same time, I lost my job due to the XXXX XXXX XXXX and was financially unable to continue payments. 
I have since worked diligently to rebuild my credit and financial stability, making timely payments and settling debts. However, this repossession is a significant obstacle to moving forward. I want to contribute positively to the economy and continue improving my financial standing, but this mark on my credit is holding me back. 
I kindly request your assistance in removing this repossession from my credit report. Any help you can provide would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
I am formally disputing the validity of the alleged debt referenced above and requesting proper validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following documentation as proof that you have a legal right to collect this debt : Proof of Ownership & Assignment A signed assignment contract between your agency and the original creditor, proving legal transfer of the debt. 
A copy of the original signed agreement between me and the original creditor that authorizes this debt. 
Validation of the Amount & Accuracy A full account ledger showing how the current balance was calculated, including itemized fees, interest, and payments. 
A certified affidavit from the original creditor confirming the validity and accuracy of the debt. 
Permissible Purpose Under FCRA ( 15 U.S.C. 1681b ) Documentation proving that your agency had a permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, to access my credit report. 

Cease & Desist Notice ( 15 U.S.C. 1692c ) Under 15 U.S.C. 1692c ( c ), you are hereby notified to cease all communication regarding this debt, except to provide the requested validation or confirm in writing that you will no longer pursue collection. 

Failure to Validate Requires Removal ( FCRA 1681e ( b ) ) If you can not provide the requested documentation within 30 days, you must : Cease all collection activity immediately. 
Request deletion of this account from all credit bureaus, as unverified debts violate the FCRAs accuracy requirement ( 15 U.S.C. 1681e ( b ) ). 
Provide written confirmation that you will not attempt further collection. 
Failure to comply with this request will result in a formal complaint to the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, and I will pursue legal remedies, including damages under 15 U.S.C. 1692k. 

Please respond within 30 days of receipt. Failure to provide proper validation will be considered a violation of federal law.

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 2025-02-10 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: PA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-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 CreditReporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX XXXX XXXX balance {$580.00} Inquires : XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX Incorrect Names : XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Incorrect Employment : 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 2025-02-10 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: KY

Complaint narrative:
I am writing to file a 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 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 2025-02-09 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: NC

Complaint narrative:
I'VE BEEN WORKING WITH THE OFFICE OF THE CONSUMER AFFAIRS TO DISPUTE FRAUD ACCOUNTS ON MY CREDIT FILE WITH EQUIFAX AND I'M GETTING NO WERE. I TALKED TO A LADY IN THE OFFICE OF THE CONSUMER AFFAIRS ON FRIDAY OF THIS WEEK AND SHE STATED HER HANDS ARE TIED BECAUSE SHE DOESN'T EVEN HAVE A OPTION TO DELETE OR SEND TO THE BACK OFFICE TO HAVE BLOCK PER THE DOCUMENTS I HAVE MAILED TO THEM. SHE DID STATED THE POLICE REPORT AND COURT DOCUMENTS HAVE BEEN VERIFIED HAS VERIFIED AND SHE CANT EVEN ATTACHED THE DOCUMENTS TO THE DISPUTE. SHE STATED THAT ACTUALLY AT FAIR REPORTING ACT PROBLEM AND EQUIFAX KNOWS IT AND THEY WANT LET ANYONE FIX AND HEAD PEOPLE OF EQUIFAX TOLD THEM NOT TO SAY ANYTHING. I HAVE SEVERAL ACCOUNTS ON MY CREDIT FILE THAT ARE FRAUD AND EQUIFAX KNOWS IT. THEY WANT HELP ME AND THEN THEY SAY IT WILL BE FIXED IN 3 DAYS AND THE ACCOUNTS WILL BE REMOVED AND BLOCKED PER THE POLICE REPORT AND FTC REPORT I MAILED IN. NEVER HAPPENS, IT CRAZY HOW THEY SAY SEND US PROOF AND WE WILL HELP AND THEN THEY SAY WE WILL DELETE THE FRAUD ACCOUNTS AND NOTHING HAPPENS. NOW MORE ACCOUNTS ARE HITTING MY FILE THAT ARE FRAUD AND NOW THE ACCOUNTS UNDER DISPUTE THE BANKS AND CREDITORS ARE UPDATING THEM ARE LEGIT AND I HAVE THE PROOF THEY AREN'T AND EQUIFAX HAS IT AND NOTHING GETS DONE. THIS WRONG ON ALL COUNTS, I WILL NOT STAND FOR IT AND IM A NEWS REPORT AND I WILL EXPOSE EQUIFAX FOR THIS. THEY ARE ALLOWING PEOPLE TO USE MY IDENTITY AND NOT ALLOW ANY PROOF TO BE USED BUT THE BANKS HAVE FULL CONTROL OVER PROOF AND YOUR PROOF DOESN'T MATTER. YEAH THATS NOT HAPPENING. I HAVE FILED LEGAL ACTIONS AGAINST EQUIFAX IN XXXX XXXX XXXX NC AND SUING FOR XXXX XXXX FOR AOLLOWING BANKS AND CREDITORS TO TAKE OVER MY CREDIT FILE AND NOT HAVE THE DISPUTED ITEMS REMOVED OR BLOCKED ON VERIFIED DOCUMENTS I MAILED INTO EQUIFAX. EQUIFAX IS NOW UNDER INVESTIGATION ALREADY FOR FRAUD AGAINST INVESTIGATION WITH CFPB AND FTC FOR NOT GOING BY THE FAIR ACT OF THE CREDIT LAWS, WHEN THESE ACCOUNTS ARE REMOVED AND BLOCKED I WILL DROP THE LAWSUIT BY NOT UNTIL THEN. IM DOING A STORY ON XXXX XXXX ON TUESDAY CONCERNING EQUIFAX AND HOW THEY DO INVESTIGATIONS INTO FRAUD ACCOUNTS AND THEY LET THE BANKS AND CREDITORS UPDATE INFORMATION ON PEOPLES CREDIT FILES WITHOUT PROOF BUT THE CONSUMER SHOWS PROOF AND NOTHING GETS HANDLED, FIX IT NOW OR ADDING MORE LAWSUITS AGAINST EQUIFAX AND I WILL EXPOSE EQUIFAX WITH THAT RECORED PHONE CALL WITH THE OFFICE OF THE COMSUMER AFFIARS SAYING WE CANT ATTACH OR BLOCK OR DELETE AND WE ARE IN ANOTHER COUNTRY AND ALL WE DO IN TELL THE CONSUMER WHAT THEY WANT TO HERE. THEN SHE SAID THEY WERE TOLD NOT TO SAY ANYTHING CONCERNING THEY CANT ATTACH ANY DOCUMENTS TO A FRAUD DISPUTE OR SEND UP TO HAVE BLOCKED PER THE DOCUMENTS YOU SEND IN, THIS IS CRAZY EQUIFAX. PEOPLE DESERVE BETTER

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: MS

Complaint narrative:
XXXX XXXX, XXXX, XXXX XXXX,XX/XX/XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: CBC Companies, Inc.
State: PA

Complaint narrative:
I believe incorrect credit reporting and things that should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: MD

Complaint narrative:
Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-02-09 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: MD

Complaint narrative:
Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-02-09 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: MD

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XX/XX/XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: AR

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXXXX/XX/XXXXXX/XX/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 2025-02-10 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:
Dispute regarding inaccurate information on my credit report I'm writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by Federal law. Recently the consumer Financial Protection Bureau filed a lawsuit
against Experian for it's failure to properly investigate consumer disputes, citing " sham investigation '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results effectively.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the inaccurate information being reported : Under the FCRA, you are required to : Conduct a proper investigation into my dispute.

Inform me of the results of your investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 
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 this dispute. If you fail to resolve this manner, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 

Thank you for addressing this matter promptly. I look forward to your response within the legally mandated 30-day time frame. 
Sincerely, XXXX XXXX XXXX without prejudice 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 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Airtm Inc.

Complaint narrative:
Using AirTM ( XXXX XXXX  account ) I tried transferring money via international bank transfer to my bank account in XXXX. My bank account rejected this transaction, but the amount wasnt reimbursed in AirTM

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-09 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: DE

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain 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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Notice of Violation of the Card Holder Agreement, please see attach flies

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 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Blockchain.com, Inc.

Complaint narrative:
On XX/XX/year>, I created an account on Blockchain.con, and I bought XXXX XXXX  from someone I know, and I actually received the amount on my account, but after midnight, the page that was open on my account was closed, then the login page appeared to me, and when I was trying to log in, the password phrase appears incorrect, although I am sure it is correct, and I have tried to contact the company since then, but to no avail, only a robot talks to me that it needs a recovery phrase consisting of twelve words, I only have six words out of twelve, and that is because I thought that there are only six because to get the other six you must press a button that leads you to the rest of the words, and recently I read on their website that it is possible to recover the amounts in the Defi account. 
But they never communicate please help me and I can send you screenshots and anything to prove what happened to me As for the correspondence, they say that the problem is solved, but in reality it is just a robot, and every time the problem is considered and then solved. I have attached screenshots of the correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
I've been unable to access any funds in my crypto  account for several months. I can't buy or sell any assets. It's been months and months of them telling me, my account is under review. As of late, they say I need to be re-verified, but I can't get a response in how to do so.

Company response to consumer: Closed with explanation