vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally request your assistance in ensuring that my credit report with Experian is accurate and up to date under the Fair Credit Reporting Act ( FCRA ). 

The following corrections need to be made : Address Update : My correct address is : XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 
I have been residing at this address the entire time and request that any outdated or incorrect addresses be removed from my report. 

Name Update : Please ensure that my name is listed correctly as XXXX XXXX XXXX. If there are any discrepancies in my name, I request they be corrected. 

Employment Update : I am currently a full-time student and do not work for XXXX anymore XXXX I request that XXXX be removed from my employment history on the report. 

I trust this request will be processed in accordance with the rights granted to me under the FCRA. Please confirm the corrections have been made or provide an explanation if there are any issues. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally request your assistance in ensuring that my credit report with Experian is accurate and up to date under the Fair Credit Reporting Act ( FCRA ). 

The following corrections need to be made : Address Update : My correct address is : XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 
I have been residing at this address the entire time and request that any outdated or incorrect addresses be removed from my report. 

Name Update : Please ensure that my name is listed correctly as XXXX XXXX XXXX. If there are any discrepancies in my name, I request they be corrected. 

Employment Update : I am currently a full-time student and do not work for XXXX anymore XXXX I request that XXXX be removed from my employment history on the report. 

I trust this request will be processed in accordance with the rights granted to me under the FCRA. Please confirm the corrections have been made or provide an explanation if there are any issues. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I reached out to XXXX to remove late payments remarks on my credit and they told me they couldnt do so even with some wrong information included on my report. 

XXXX reports that I have XXXX missed payments which means Ive made XXXX percent of my payments on time. TransUnion reports that Ive made XXXX percent of on time payments which is inaccurate. Also I opened this XXXX account in XX/XX/year> and there is no data for XXXX which makes no sense. Im missing payment 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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the reporting of the XXXX XXXX XXXX account on my credit report. This account was transferred to another lender, as indicated in my credit file, and it now shows a {$0.00} balance. However, the account is still inaccurately being reported as a charge-off, which violates the Fair Credit Reporting Act ( FCRA ) and IRS regulations regarding debt cancellation.

Reasons for Dispute : 1. Balance Reported as {$0.00} But Still Showing a Charge-Off : The FCRA requires that credit reports contain only accurate and verifiable information. Since the balance is now {$0.00}, and the debt was transferred, it is no longer valid to report this as a charge-off.

If the original creditor considered the debt uncollectible, a 1099-C cancellation of debt form should have been issued to me for tax reporting purposes. No such form has been provided, meaning the debt has not been officially forgiven or canceled, and the charge-off should be removed. 
2. Failure to Investigate Identity Theft Report : I previously submitted a valid identity theft report along with supporting documentation, yet Experian and Equifax failed to remove this account within the legally required timeframe. The FCRA Section 605B mandates the removal of fraudulent accounts when a valid identity theft claim is made.

3. Violation of the FCRA ( 15 U.S. Code 1681i ) : Under the FCRA, credit bureaus are required to conduct a full and accurate reinvestigation of disputed items within 30 days ( or 4 business days for identity theft claims ).

Since Experian and Equifax failed to remove the account after my identity theft report and supporting documentation, they are now in violation of federal law and must correct this immediately.

Action Requested : I demand that Experian and Equifax immediately remove this account from my credit report due to the following reasons : The balance is {$0.00}, yet the charge-off remains, which is inaccurate. 
No 1099-C was issued, making the continued charge-off reporting unlawful.

My identity theft report was ignored, violating the FCRA. 

Failure to correct this will result in me taking legal action against your agency for violating my consumer rights under the FCRA and IRS guidelines. Please complete this reinvestigation within the required legal timeframe and provide me with an updated copy of my credit report reflecting the removal of this inaccurate 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 explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
Called in XXXX to get my account caught up due to falling behind from personal circumstances. They told me if I paid XXXX months in a row the account would re-age. I made all the payments. Called back again in XXXX and I was told there was never a re-age on my card. She stated I was told incorrect information. She then set me up on a payment plan that would stop all interest and late fees. When I was told I was being put on a reage plan my account continued to accrue interest and late fees. This NEVER would have happened had they done it correctly the first time. The rep said she would file a dispute on my behalf. I have called and called and called. NO ONE can give me an answer as to what is going on. I get told something different EVERY TIME I call. They then tell me to call a number that NO ONE answers and a recording comes on stating they cant take calls. This last time I called the lady lied and said she tried calling the number and it went through. Not even possible as Ive called it over and over again and never goes to anyone. I finally filed a complaint with the XXXX. A lady named XXXX then called. She said she had to look into it and would call me back. Took her weeks to call me back. When she finally did she was of no help and refused to listen to all the calls I made where I was told the wrong information. I then requested to speak to her XXXX, and she stated that she would have them call me. That has been weeks ago. I have not heard from anyone. I have left numerous messages for her, but she never responds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: DC

Complaint narrative:
I have a outstanding balance that includes overdraft fees and etc

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: TX

Complaint narrative:
Pulled credit when I didn't authorize XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> XXXX XXXXXX/XX/year> 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 2025-02-11 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 am a victim of the equifax breach. This is a request to block information resulting from identity theft. I have already notified your agency of this and still have information caused by identity theft on my credit report which is a clear violation of 15 U.S. Code 1681c2. This information is not information relating to any transaction by me. This request was not made by error. I did not obtain possession of goods, services, or money as a result of these transactions. Pursuant to 15 U.S. Code 1681c2 you must block these accounts, collections and hard inquiries from my credit report no later than four business days of receiving this complaint. I have attached a copy of my ID, social security card, proof of address, Identity Theft reports from the FTC, and court documents.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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:
There are accounts on my credit report that should not be there, and I have no connection to them whatsoever. This is not only unfair but also extremely frustrating and concerning. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to an accurate credit report, and these errors should not be affecting me. I expect a full investigation and for these mistakes to be corrected immediately. If this isn't handled properly, Ill have no choice but to take legal action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: NJ

Complaint narrative:
This letter is a formal demand to dispute and remove the following inaccurate and unverifiable accounts from my credit report. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I am holding you accountable for your failure to meet the required standards for accuracy and proper investigation.

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 2025-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: NV

Complaint narrative:
On day XX/XX/XXXX, I looked at my report. I sent a letter to Experian on day XX/XX/XXXX asking them to reinvestigate these accounts : XXXX account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  On day XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
They really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case. PLEASE delete these accounts from my credit report, thanks in advance.

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 2025-02-11 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: NC

Complaint narrative:
My student loans are paid off ; however, XXXX has reported XXXX accounts on my credit report with balances. This needs to be reported as closed or removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: NC

Complaint narrative:
My student loans are paid off ; however, XXXX has reported XXXX accounts on my credit report with balances. This needs to be reported as closed or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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:
My student loans are paid off ; however, XXXX has reported XXXX accounts on my credit report with balances. This needs to be reported as closed or removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: NC

Complaint narrative:
I am writing to formally dispute the presence of fraudulent information on my credit report, in accordance with 15 U.S.C. 1681c-2, and to request the immediate blocking and removal of this information. Enclosed with this letter is a copy of my police report, along with the identity theft report filed with the Federal Trade Commission ( FTC REPORT NUMBER : XXXX ) as supporting evidence of my identity theft claim. 

Pursuant to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days. 

The following information on my credit report is the result of identity theft and must be blocked and removed immediately : XXXX  / XXXX XXXX / XXXX Additional Legal Basis : Violation of Section 1681b of the FCRA Additionally

, 15 U.S.C. 1681b establishes the permissible purposes under which a credit bureau may provide a credit report to third parties. This law clearly states that a credit bureau may only furnish a consumer report under specific circumstances, one of which includes obtaining the consumers express written consent.

As I never provided written or express consent for the inclusion or reporting of the fraudulent information in question, there is no valid legal basis for this information to remain on my credit file.

Requested Actions Immediate blocking and removal of the fraudulent accounts listed above.

Written confirmation of the removal of the fraudulent information.

Assurance that the deleted information will not be reinserted into my credit report in the future.

Several times, I have contacted the credit bureau reporting these fraudulent accounts on my report, yet CREDIT BUREAU has failed to provide a solution to this issue. This situation has significantly affected me, preventing me from acquiring a new home for my children. Furthermore, these accounts have already been deleted and not verified by other bureaus, which raises concerns as to why they remain on my report. 

I have requested contracts from the company in question containing my information, yet after more than 60 days, I have not received any response. Please help me delete these accounts immediately. I am once again attaching the FTC report in the hope that you will make a fair decision regarding my case. 

I appreciate your prompt response and resolution to this matter. I expect a reply within the legally required timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
A check was deposited, and I have proof that the check is cleared the other bank, but the bank is still holding the check for 10 days. At least they said. The representative advised the money had to walk through the system. The previous representative advised me that the check had not cleared. Misinformation or disinformation given by these representatives and the holding of these funds that are already in Chases accounts, is on its face simply theft until I have the funds. This is a significant amount of money that processed through another another bank, and should be released immediately. There is precedence with Chase Bank of them, releasing funds in the past to me in similar situations. This inconsistent behavior is not fair to the consumer, and should be corrected and possibly penalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: 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. 

XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

I looked at my Experian Credit Report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair crediting reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681i 5 they are supposed to do this treatment of inaccurate or unverifiable information.

After any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of the information that the information has been modified or deleted from the file of the consumer.

15 USC 1681s.2 states that they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have any reason to believe that the information is inaccurate.

Last but not least, according to 15 USC 1692C they also violated my rights for unlawful communication.

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