vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 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: GA

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX HM XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-18 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: IN

Complaint narrative:
I DO NOT RECONGNIZE THIS ADDRESS PLEASE REMOVE - THANK YOU!

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 2025-02-18 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: CT

Complaint narrative:
I am writing you to formally dispute inaccurate on my credit report that I believe is harming my financial well being. I am aware of my right under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by law. 

Recently, the Consumer Financial Protection Bureau filed a Lawsuit against Experian and Equifax 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 properly address, consumer disputes. Reinserting, previous and inadequate information without explanation. 
Failing to notify consumers regarding investigation results effectively. 
These allegations are highly systemic issues that directly undermine consumer protections and perpetuate the illusion of inaccurate information on credit reports. I am deeply concerned that my dispute maybe miss handled in the similar manner.

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 2025-02-18 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: FL

Complaint narrative:
I am writing to follow up on my previous dispute regarding XXXX XXXX XXXX XXXX reported on my credit file. Despite my initial request, this account remains inaccurately listed. I am once again disputing the validity of its continued reporting and formally requesting its immediate removal.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ), data furnishers must conduct a reasonable investigation and accurately report only verifiable information. Additionally, per the FCRA 15 U.S.C. 1681c ( a ) ( 5 ), paid, settled, or otherwise resolved accounts should not continue to be reported in a manner that negatively affects my credit standing.

This account was settled, and as such, it should not be reflected in a derogatory manner. Reporting settled accounts in a way that suggests an outstanding balance or unresolved status is misleading and violates the accuracy requirements of the FCRA. 
I am requesting that Experian take the following actions : 1. Conduct a proper reinvestigation as required by law. 
2. Delete the inaccurate reporting of XXXX XXXX XXXX from my credit report. 
3. Provide me with an updated credit report reflecting these corrections. 

I have attached supporting documentation, including proof of settlement and any previous dispute correspondence, to aid in your reinvestigation. 

If this matter is not resolved within 30 days as required under the FCRA, I am prepared to escalate this issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

Please confirm receipt of this request and provide an update regarding your findings. I appreciate your prompt attention to this matter and look forward to a timely resolution.

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 2025-02-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: OH

Complaint narrative:
3 debt collections companies have published debts onto my credit report made in my former name, with my ssn, the I did not make. 
XXXX XXXX , on behalf of XXXX XXXX from Texas. lease was XXXX XXXX, {$7300.00} XXXX XXXX, on behalf XXXXXXXX XXXX XXXX XXXX  XXXX in Texas. Lease was XXXX, {$7900.00} XXXX, on behalf of XXXX on XXXX in Texas. XXXX {$8200.00} My identity has been stolen, and used at these properties in 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 2025-02-18 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: DC

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 2025-02-18 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX  XX/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 non-monetary relief
Consumer complaint received 2025-02-18 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:
Hello, this accounts transaction and charges are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. Thank you and have a good day.

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 2025-02-18 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: FL

Complaint narrative:
Subject : Unauthorized Hard Inquiries Dispute FCRA Violation Dear Sir/Madam, I am filing a formal complaint regarding the presence of unauthorized hard inquiries on my personal credit report with TransUnion. Upon reviewing my report, I have identified multiple entities that have accessed my personal credit without my authorization or a permissible purpose, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( f ).

Details of the Unauthorized Hard Inquiries The following hard inquiries appear on my personal credit report without my explicit consent and without any active account associated with them : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These hard inquiries were made without my authorization, and no credit account was opened following these inquiries to justify their presence on my report. According to the FCRA, a creditor may only access my personal credit report if : 1. I applied for credit under my Social Security Number ( SSN ).

2. I provided explicit authorization for the inquiry.

3. An account was opened and linked to the inquiry. 
None of these conditions apply in this case.

Specific Violations of the FCRA 1. 15 U.S.C. 1681b ( f ) Lack of Permissible Purpose XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX accessed my personal credit report without authorization and without a permissible purpose since I did not apply for credit under my SSN and have no accounts with these entities.

2. 15 U.S.C. 1681i TransUnions Failure to Verify TransUnion is required to verify the legality of these inquiries and provide documented proof that I authorized each one. 
If TransUnion can not present verifiable evidence, it must remove these hard inquiries immediately.

3. 15 U.S.C. 1681e ( b ) Inaccurate Information in My Report TransUnion must ensure the accuracy of the data reported. 
No active account exists with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my credit report, confirming that these inquiries are inaccurate and must be deleted.

Requested Action I request the immediate removal of these inquiries from my credit report and a written response confirming the correction. As this situation constitutes a serious violation of the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OF BIRTH 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 2025-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: GA

Complaint narrative:
I was charged fees to transfer money from Cash App to another account and if I wanted it done instantly I was charged a fee. Prior to the original Owner of Cash App died, no fees we're associated with transferring money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I have contacted this company via phone call to inquire as to why they are reporting a false debt to my XXXX, XXXX, and XXXX accounts. As per conversation I asked if they can provide an original purchase agreement that includes my signature, social security number, and an updated address to ensure who the debt belongs to. They were unable to provide this information to me thus proving the invalidity of this account. It is illegal to report a false account on such platforms. Failure to provide information on a legal bidding contract is against the law. This company does not have a purchase agreement that legally binds me to the debt, establishing the invalidity of this report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Unauthorized Hard Inquiries Dispute FCRA Violation Dear Sir/Madam, I am filing a formal complaint regarding the presence of unauthorized hard inquiries on my personal credit report with Experian. Upon reviewing my report, I have identified multiple entities that have accessed my personal credit without my authorization or a permissible purpose, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( f ). 

Details of the Unauthorized Hard Inquiries The following hard inquiries appear on my personal credit report without my explicit consent and without any active account associated with them : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX These hard inquiries were made without my authorization, and no credit account was opened following these inquiries to justify their presence on my report. According to the FCRA, a creditor may only access my personal credit report if : I applied for credit under my Social Security Number ( SSN ). 

I provided explicit authorization for the inquiry. 

An account was opened and linked to the inquiry. 

None of these conditions apply in this case. 

Specific Violations of the FCRA 15 U.S.C. 1681b ( f ) Lack of Permissible Purpose XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX accessed my personal credit report without authorization and without a permissible purpose since I did not apply for credit under my SSN and have no accounts with these entities. 

15 U.S.C. 1681i Experians Failure to Verify Experian is required to verify the legality of these inquiries and provide documented proof that I authorized each one. 
If Experian can not present verifiable evidence, it must remove these hard inquiries immediately. 

15 U.S.C. 1681e ( b ) Inaccurate Information in My Report Experian must ensure the accuracy of the data reported. 
No active account exists with XXXX XXXX, FIRST TECH FCU, XXXX, or CORELOGIC XXXX XXXX on my credit report, confirming that these inquiries are inaccurate and must be deleted. 

Requested XXXX I request the immediate removal of these inquiries from my credit report and a written response confirming the correction. As this situation constitutes a serious violation of the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TERRACE XXXX, FLORIDA XXXX DATE OF BIRTH : XX/XX/XXXX SSN : 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 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to 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 lag posting of charges and credits this is your alliance with the recent cfpb findings against Navy Federal for similar practices, were transactions settled with insufficient balances despite initially available funds.I believe these practices are unfair and request and investigation into my account transaction

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Avant Holding Company, Inc.
State: IL

Complaint narrative:
Some one is apply payday loan and approved loan and transfer I dont know because I never apply any kind of loan Money is delivers where and who approved without verify this loan we reported XXXX XXXX  but other than this loan credit bureau reports generated and pop up this loan in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
The CFPB 's findings indicate that many companies has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. I want PORTFOLIO RECOVERY removed for my credit report. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-02-18 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: AZ

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX 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 : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX - IncorrectPersonal XXXX, XXXX, XXXX  - IncorrectPersonal XXXX XXXX - IncorrectPersonal 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation