vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: IL

Complaint narrative:
I contacted transunion In regards to my credit dispute the representative was very rude and unprofessional I asked to speak with a supervisor she advised me that she was the supervisor she kept placing me on hold not to mention I was on hold for XXXX and XXXX before I even spoke with someone and before i got the chance to explain why I was calling she kept putting me on hold I asked about my dispute she stated i didn't have a open dispute but they do have my documents but there was no open dispute I kept asking her how is that and I received a email from transunion after XXXX uploaded everything and she hung up on me I had to call back that was very frustrating and rude and she didn't answer any of my questions.

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 2025-01-27 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: NY

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 XXXX 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 necessary proof of investigation. This the account that I marked as inaccurate : XXXX XXXX XXXX # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX  XXXX {$4600.00} XXXX XXXX XXXX {$4000.00} XXXX  XXXX/XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - OPENED XX/XX/XXXX INQUIRIES : XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  sent a Visa credit/debit card to my home, addressed to an IDENTITY of a person I never heard of with a daily spend amount limit of {$3000.00}. 

I called their Customer Service phone # XXXX and was unable to get someone on the phone to speak to. 

I am very concerned about possible IDENTITY THEFT

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 2025-01-27 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: NJ

Complaint narrative:
I recently discovered an XXXX XXXX account on my credit report that I did not open or authorize. According to the report, the account was opened on XX/XX/XXXX, with a high balance of {$14000.00}, and the last activity was on XX/XX/XXXX. Ive never applied for or used this account, and I believe it was opened fraudulently without my consent. 

I reached out to dispute this account with the credit bureaus and XXXX XXXX, asking for proof that I authorized it. However, Ive yet to receive any documents, like a signed application or transaction records, to show that this account is legitimate. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute and have fraudulent or unverifiable information removed from my credit report. This account has negatively impacted my credit, and I need it resolved as soon as possible.

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 2025-01-27 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: NJ

Complaint narrative:
I recently discovered an XXXX XXXX account on my credit report that I did not open or authorize. According to the report, the account was opened on XX/XX/XXXX, with a high balance of {$14000.00}, and the last activity was on XX/XX/XXXX. Ive never applied for or used this account, and I believe it was opened fraudulently without my consent. 

I reached out to dispute this account with the credit bureaus and XXXX XXXX, asking for proof that I authorized it. However, Ive yet to receive any documents, like a signed application or transaction records, to show that this account is legitimate. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute and have fraudulent or unverifiable information removed from my credit report. This account has negatively impacted my credit, and I need it resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NJ

Complaint narrative:
I recently discovered an XXXX XXXX account on my credit report that I did not open or authorize. According to the report, the account was opened on XX/XX/XXXX, with a high balance of {$14000.00}, and the last activity was on XX/XX/XXXX. Ive never applied for or used this account, and I believe it was opened fraudulently without my consent. 

I reached out to dispute this account with the credit bureaus and XXXX XXXX, asking for proof that I authorized it. However, Ive yet to receive any documents, like a signed application or transaction records, to show that this account is legitimate. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute and have fraudulent or unverifiable information removed from my credit report. This account has negatively impacted my credit, and I need it resolved as soon as possible.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account was not reporting accurately. I have XXXX delinquent payments reporting that were in fact paid on time. The Consumer reporting agency needs to report with complete accuracy. 
Also as part of the XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. 
According to the CARES Act ( Section 4021 ), an accommodation is made due to XXXX, the account must continue to be reported as current if it was current at the time of the accommodation. 
Please update these dates as current and paid on time : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I am also requesting you send verifiable proof showing I had late payments with records. 
If this information can not be verified I am asking you to update the reports as paid on time. 
Thank you for your prompt action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account was not reporting accurately. I have XXXX delinquent payments reporting that were in fact paid on time. The Consumer reporting agency needs to report with complete accuracy. 
Also as part of the XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. 
According to the CARES Act ( Section 4021 ), an accommodation is made due to COVID-19, the account must continue to be reported as current if it was current at the time of the accommodation. 
Please update these dates as current and paid on time : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I am also requesting you send verifiable proof showing I had late payments with records. 
If this information can not be verified I am asking you to update the reports as paid on time. 
Thank you for your prompt action.

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 2025-01-27 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:
Stuff on my credit report thats not mines I have a police report number and the 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 2025-01-27 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- {$2400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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:
I am writing to notify you that the account listed is currently involved in pending litigation. Given the circumstances, I am requesting that you immediately remove this inaccurate account from my credit report. The account is in dispute, and its presence on my report is not only misleading but also potentially harmful while legal proceedings are underway.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: PA

Complaint narrative:
I disputed inaccurate information and Experian denied taking the information off and instead let the consumer continue to charge me for whatever collection this is. I was homeless living with friends and family from XXXX. I was the victim of identity theft. I explained this to them and they are still reporting false information in my 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 2025-01-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My name is XXXX and I recently have acquired a VA mortgage loan through Navy Federal credit union. I have tried to add an additional principal payment in Navy Federal. Credit Union is telling me that I only have an eight day window to make an additional principal payment. I can only make that payment six days after my monthly mortgage goes through. I have tried to make a principal payment this morning in the system automatically was trying to deduct an extra mortgage payment out of my principal payment. I only want to make a principal payment, not a mortgage payment on the last week of the month Navy Federal tells me that I can not make that principal payment on the last week of the month. I have to do it on the first week of every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: FL

Complaint narrative:
Dear Equifax I am 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 XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
On XX/XX/year> I over nighted a payment towards the dept that I owe. I overnighted a payment of {$100.00} as a cashiers check. On today XX/XX/year> they called and confirmed they received the payment and REFUSED to send a receipt or confirmation that they received the payment! They verbally gave me the new balance and that was it. For my records I need physical proof that the payment was received and deducted from the balance.

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 2025-01-27 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 2025-01-27 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- {$2400.00}

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 2025-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide m with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. '' 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 2025-01-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
" I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide m with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. '' XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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:
I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
In light of the CFPB lawsuit filed against XXXX on XX/XX/XXXX, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation, including the furnishers response, via mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FISERV FINXACT CORE
State: TN

Complaint narrative:
Payment for my mortgage was sent remitted through XXXX XXXX XXXX My mortgage servicer XXXX rejected payment XX/XX/2025 refunded money back to XXXX. Was told by XXXX customer service my funds of {$2100.00} was refunded and I could pick up my funds at XXXX. Spoke with XXXX XXXX XXXX ID # XXXX she told me funds were in their system, but they could not refund them for 10 days. I need my funds to be refunded 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