vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: EQUIFAX, INC.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: NJ

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting. 

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


Account Name : XXXXXXXX XXXX XXXX XXXXXXXX -- Opened on 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 2025-02-05 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: NJ

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting. 

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


Account Name : XXXXXXXX XXXX XXXX XXXXXXXX -- Opened on 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 explanation
Consumer complaint received 2025-02-05 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-05 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: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: OH

Complaint narrative:
**Subject : Formal Complaint Against Equifax for Civil Liability Neglect Under 15 U.S.C . 1681** To Whom It May Concern, I am submitting this complaint against **Equifax Information Services LLC** for its **failure to comply with the Fair Credit Reporting Act ( FCRA ) **, which has resulted in financial harm and undue stress. Despite my efforts to dispute inaccuracies on my credit report, Equifax has **failed to take proper corrective action, violating its legal obligations under 15 U.S.C. 1681**. 

# # # **Details of the Complaint : ** 1. **Failure to Correct Inaccurate Information** I have disputed multiple errors on my credit report, yet Equifax has failed to remove or properly update these inaccuracies. 
2. **Negligence in Reinvestigation** Under **15 U.S.C. 1681i**, Equifax is required to conduct a reasonable reinvestigation of disputed information within 30 days. However, my disputes have been **ignored or inadequately addressed**. 
3. **Resulting Harm** Due to Equifaxs negligence, I have suffered **financial losses**, including denied credit applications, increased interest rates, and damage to my credit score. 

# # # **Requested Resolution : ** I am requesting that the **CFPB take immediate action to investigate Equifaxs noncompliance with the FCRA** and enforce the following corrective actions : - **Require Equifax to correct or remove the disputed inaccuracies. ** - **Ensure that Equifax complies with the FCRAs reinvestigation requirements. ** - **Hold Equifax accountable for any damages caused by their negligence. ** I have attached relevant documents, including my dispute letters and Equifaxs responses ( if any ), to support my complaint. I urge the CFPB to take swift action to **ensure Equifax adheres to federal consumer protection laws** and prevents further harm to consumers like myself. 

Please confirm receipt of this complaint and keep me informed of any updates regarding this matter. I appreciate your time and assistance in holding Equifax accountable. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
I am submitting this formal complaint regarding the unlawful actions of National Credit Systems, which have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit report, I discovered an account associated with XXXX XXXX XXXX XXXX ( account number XXXX ) reported by National Credit Systems. This account has been placed on my credit report without proper verification that it is mine. Furthermore, I have not been provided with prior notice or the opportunity to dispute this alleged debt. These actions constitute clear violations of my rights and protections under the FDCPA and FCRA. 

The placement of this unverified account on my credit report is a direct violation of my rights, and it has resulted in defamation of my character. By reporting this unverified and disputed debt, National Credit Systems has publicly presented inaccurate information about me to potential creditors, employers, and others who review my credit report. This can cause irreversible damage to my reputation, financial standing, and credibility. Such defamation has led to undue stress, frustration, and potential financial harm, as it may negatively affect my ability to secure credit, housing, or employment. 

In addition, National Credit Systems ' continued efforts to collect on behalf of XXXX XXXX XXXX XXXX their failure to properly validate the debthas resulted in the improper sharing and use of my personal information, further harming my reputation. 

National Credit Systems has violated the following provisions of the FDCPA : 15 U.S.C. 1692e : Engaging in false or misleading representations, including reporting unverified or inaccurate information. 
15 U.S.C. 1692f : Employing unfair practices to collect a debt, such as improperly sharing personal data without validation. 
As a result of these violations, I demand that the aforementioned account be immediately removed from my credit report and that National Credit Systems cease all attempts to collect this unverified debt. I also request a thorough investigation into this matter and expect written confirmation of corrective actions within 15 days. 

Please note that under federal law, National Credit Systems is required to verify this debt before reporting it to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: AL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-02-05 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: AL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''

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 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am filing a formal complaint against Spring Oaks Spiral LLC regarding an account that has been inaccurately reported and for which I have not received the required validation documentation. 
I previously sent a debt validation letter to Spring Oaks Spiral LLC requesting verification of the debt, including a copy of any contract bearing my signature that establishes my liability. Despite my written request, the company has failed to provide a response within the legally required timeframe. This lack of response is a direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
Additionally, the account in question contains inaccurate information, which further raises concerns about its validity. Given that the creditor has not substantiated the claim with appropriate documentation, I request the CFPBs intervention to ensure compliance with federal regulations. I am requesting the following actions : 1. A full investigation into Spring Oaks Spiral LLCs failure to provide the requested validation documents. 
2. Removal of the inaccurate account from my credit report due to non-compliance. 
3. A formal response from Spring Oaks Spiral LLC with all supporting documentation proving the legitimacy of this debt. 
I have attached copies of my original validation request and proof of mailing to support my claim. 
I appreciate your prompt attention to this matter and look forward to your response. Please confirm receipt of this dispute and provide me with updates regarding the next steps.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: ND

Complaint narrative:
My credit report is showing the account is closed but a current balance of {$2400.00} is showing. It says balance was reported most recently on XX/XX/XXXX. It shows Im using 123 % credit. And this account has been closed for years and I paid the collection company off over a year ago as well. I tried disputing as it is effecting my credit utilization on my credit report. The company responded telling me its not showing a current balance its showing the highest credit utilization on the account. This is not true and not how it is showing up on my account. I have two other chase credit cards with the same issue. Closed years ago and collections paid off but still showing up with over 100 % utilization and is effecting my credit utilization for my final score. All these accounts have {$0.00} owed but are being reported incorrectly and have negatively impacted my credit leaving me homeless for the last 8 months. I have screenshots of my credit report that will prove all 3 accounts with chase are showing a current balance and credit utilization over 100 % making my credit score low. I tried calling chase they told me they are not reporting a balance but this is not true. They are. I have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: IL

Complaint narrative:
Please remove and block the unauthorized accounts from my credit report as soon as possible. I did not authorize or initiate these accounts and have no knowledge of their origins. In accordance with USC 1681g, I formally request their removal within 15 days. Enclosed are the necessary documents for your review and reference

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 non-monetary relief
Consumer complaint received 2025-02-05 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:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: GA

Complaint narrative:
My account was purposely made overdraft. In order for my institution Navy Federal to charge my account set fees. Due to exceedingly long processing of transactions when involving other institution when paying bills I have received numerous late fees and overdraft fees due to this from of process. I believe that I have been dealing with this issue for as far as I can remember to be since 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 2025-02-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-02-05 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: MD

Complaint narrative:
Between XXXX and XXXX Navy Federal allowed transactions to go through when funds were not in the account. As a result, Navy Federal charged overdraft fees. I would like to have these funds refunded. Please advise the next steps.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: RI

Complaint narrative:
On XX/XX/2025 Sofi Bank restricted my account because I made an external transfer from another bank into Sofi. They will not provide me with an ETA or an explanation as to why this is a problem. They will not allow me to speak to a supervisor for clarity. Please do not do business with this bank. All my money is frozen with no explanation or ETA.

Company response to consumer: Closed with explanation