vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Ava Finance, Inc
State: PA

Complaint narrative:
Hello, I am contacting the CFPB because Im having a problem with Ava finance I will label them out in exact order of how this happened 1. I realized by looking at my consumer reports, that they were not reporting correctly to all 3 agencies 2. I contacted and spoke with a man named XXXX from customer service through email and explained the situation and that they were not doing their jobs 3. Now magically my auto payment was not taken out even though it is taken out every month for over a year 4. So I go on my app and pay it manually so that I dont occur any late payments you know like a person should do 5. Payment says being processed on their app 6. Now theyre emailing me repeatedly saying my payment is 1,2,3 days late even though I paid it manually and it says processing on their app 7. Now I am emailing them to fix this problem theyre main support email and the man XXXX again and my husband has called for me and now no one can help us So heres why I am contacting you to do the job our great government has given you to uphold I have perfect credit and if they do something to tarnish my credit they themselves will be the target of legal action So I am asking you to have them fix their wrong doings Now that I have contacted you about this situation you are just as liable as they are seeing as though it is your job to govern these companies Thank you -XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: MN

Complaint narrative:
I have asked TransUnion to remove these accounts from my credit report, as I did not give permission for them to be there. They were the result of fraud

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
DateXXXX XXXX, 2025 my problem is with the following credit bureaus all three of them. 
1. Equifax : XXXX. XXXX : XXXX. XXXX XXXX ; the law says, Approximately seven years Generally speaking, negative information such as late or missed payments, accounts that have been sent to collection agencies, accounts not being paid as agreed, or bankruptcies stays on credit reports for approximately seven years.

You can dispute and correct inaccurate information, including outdated addresses, by contacting the credit reporting agencies directly. It's your right under federal law to have accurate information on your credit report without incurring charges a lot of information in old addresses have been on my report over seven years they need to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
Billed. in November /24 by GMFinancial for {$190.00} Va tax bill on a car I turned in XX/XX/XXXX, I have not lived in Va XXXX since XX/XX/XXXX, but have paid tax in both states. XXXX XXXX sent by GMFin XX/XX/XXXX to enable me to secure SC license plates. Payoff amount requested by GMF and paid off XX/XX/XXXX, credit bureaus reported loan paid in full by GMF XX/XX/XXXX. i then receive a XXXX bill for {$190.00} Va tax on a car I had not owned for 5 months. GMF then reported me to crdit bureaus for missing a car payment which lowered my score. I talked to GMF and sent many supporting dox XXXX XXXX only to receive another bill for {$190.00} and no response to my proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: CBC Companies, Inc.
State: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
The US Bankruptcy Court Clerk located in XXXX XXXX, CT, plays an essential role in delivering a wide array of services and resources pertinent to bankruptcy cases within the XXXX XXXXXXXX XXXX Under the leadership of XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, the court facilitates access to various information, forms, and support for both creditors and debtors, promoting an orderly and effective bankruptcy process. The court clerk has indicated that the court does not share information with any credit bureau, which is the basis for my request to have the erroneous information removed from my credit 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 non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
The XXXX Bankruptcy XXXX Clerk located in XXXX XXXX, CT, plays an essential role in delivering a wide array of services and resources pertinent to bankruptcy cases within the XXXX XXXX Connecticut. Under the leadership of Chief Judge XXXX XXXX XXXX and Clerk of XXXX XXXX XXXX, the court facilitates access to various information, forms, and support for both creditors and debtors, promoting an orderly and effective bankruptcy process. The court clerk has indicated that the court does not share information with any credit bureau, which is the basis for my request to have the erroneous information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: PA

Complaint narrative:
Trans union failed to delete several accounts that dont belong to me and I didnt open and the have bad information on other debt plus the time on file exceeded 7 years and still liisted

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 2025-01-29 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-29 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-29 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: MI

Complaint narrative:
I am a victim of identity theft and the XXXX data breach. The account does not belong to me and I have no knowledge of this account.15usc1681b.

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 2025-01-29 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: IL

Complaint narrative:
Inaccurate, incomplete, or unverified information is being reported. In some instances information from third-parties and not the original creditor is being reported. 

Also, an initial fraud alert is showing on my report and I never placed a fraud alert on my report ever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 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 non-monetary relief
Consumer complaint received 2025-01-29 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Per usc 1681 you are in violation of my rights to privacy by no public personal information without my permission or consent. I demand immediate deletion of this data and formally Opt-out of any further reporting of such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: AK

Complaint narrative:
I moved out of state, open a new account online and changed my address and at that point I got a mail stating I needed to call to verify identity. When I called and identified, they then told me I needed to come in and show my id to close the account. I then explained that I couldnt afford to leave due to low funds. And flights being to high from Alaska to Florida. They proceeded to explain theres nothing to be done because I need to come in to prove my identity in order to close an account.

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 2025-01-29 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: KS

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 

The issue appears consistent with the recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions were settled with insufficient balances despite initially having adequate funds. I believe these practices were deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, Tx XXXX XXXX ( XXXX ) XXXX XX/XX/year> To : Credit Reporting Agency Subject : Formal Request for Deletion of Unverifiable Debt Compliance with FCRA Dear Sir/Madam, I am writing to formally request the immediate deletion of an unverifiable XXXX XXXX XXXX Charge Off account that was previously reported on my credit report on Equifax. I recently disputed this account with XXXX, and after their investigation, the account was deleted from my credit report as of XX/XX/year>. Because XXXX has completely deleted this account, this serves as proof that the account is unverifiable and must be removed from my credit report with your agency as well. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ), credit reporting agencies are required to delete any information that can not be verified or is found to be inaccurate. Since XXXX has removed the account after their investigation, it is now considered unverifiable and must be removed from all other credit reports immediately. 
Additionally, under FCRA 623 ( a ) ( 3 ) ( 15 U.S.C. 1681s-2 ), data furnishers must not report information that has been disputed and found to be inaccurate or unverifiable. If this account remains on my report, despite being removed by another major credit bureau, it constitutes a violation of my consumer rights. 
I am formally requesting that your agency delete this account from my credit report within 30 days or less, as required by FCRA 611 ( a ) ( 1 ) ( A ). Failure to comply with this request may result in legal action, as I have the right to pursue damages under FCRA 616 & 617 ( 15 U.S.C. 1681n, 1681o ) for willful or negligent noncompliance.

Please provide written confirmation of the deletion or an updated copy of my credit report once the account has been removed. If you choose not to delete this unverifiable account, please provide me with a detailed explanation of your decision, including the method used to verify the account, within the required timeframe.

I appreciate your prompt attention to this matter and expect a resolution within the legally mandated timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX ( XXXX ) XXXX XX/XX/year> To : Credit Reporting Agency Subject : Formal Request for Deletion of Unverifiable Debt Compliance with FCRA Dear Sir/Madam, I am writing to formally request the immediate deletion of an unverifiable XXXX XXXX XXXX Charge Off account that was previously reported on my credit report on Equifax. I recently disputed this account with XXXX, and after their investigation, the account was deleted from my credit report as of XX/XX/year>. Because XXXX has completely deleted this account, this serves as proof that the account is unverifiable and must be removed from my credit report with your agency as well. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ), credit reporting agencies are required to delete any information that can not be verified or is found to be inaccurate. Since XXXX has removed the account after their investigation, it is now considered unverifiable and must be removed from all other credit reports immediately. 
Additionally, under FCRA 623 ( a ) ( 3 ) ( 15 U.S.C. 1681s-2 ), data furnishers must not report information that has been disputed and found to be inaccurate or unverifiable. If this account remains on my report, despite being removed by another major credit bureau, it constitutes a violation of my consumer rights.

I am formally requesting that your agency delete this account from my credit report within 30 days or less, as required by FCRA 611 ( a ) ( 1 ) ( A ). Failure to comply with this request may result in legal action, as I have the right to pursue damages under FCRA 616 & 617 ( 15 U.S.C. 1681n, 1681o ) for willful or negligent noncompliance. 
Please provide written confirmation of the deletion or an updated copy of my credit report once the account has been removed. If you choose not to delete this unverifiable account, please provide me with a detailed explanation of your decision, including the method used to verify the account, within the required timeframe. 
I appreciate your prompt attention to this matter and expect a resolution within the legally mandated timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
My information was sent to a third party which resulted in my personal information being used without my knowledge or consent and I wasnt giving in proof on the collections

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 2025-01-29 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: TrueAccord Corp.
State: PA

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FILED ALL THE PROPER REPORTS AND PAPERWORK. THIS IS MY OFFICIAL DISPUTE INFORMING THIS AGENCY OF THESE FALSE INQUIRIES AND ACCOUNTS THAT BEENPLACED ON MY CREDIT FILE. UNDER THE FCRA ALL FALSE INFORMATION IS TO BE REMOVED AND WITH THAT SAID I RESPECTFULLY ASK FOR THESE FALSE AND FRAUDULENT ACCOUNTS AND INQUIRIES BE REMOVED.

Company response to consumer: Closed with explanation