vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX INQUIRY : XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX INQUIRY : XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$100.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX  Balance {$2700.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$1500.00} Open Date XX/XX/XXXXXXXX XXXX Balance {$1400.00} Open Date XX/XX/XXXX inquiries XXXX  Date XX/XX/XXXX XXXX OF XXXX Date XXXX XXXX, XXXX XXXX XXXX Date XX/XX/XXXXXXXX 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 2025-01-22 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:
Please ensure the unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not open these accounts, nor do I recognize them. Pursuant to USC 1681g, I am requesting their removal within 15 days. The supporting documents are enclosed for your review and 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 2025-01-22 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: IL

Complaint narrative:
I filed a claim that I had no knowledge of any accounts being opened in my name and there was no changes made to 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 explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
My family and I went to XXXX for my mothers XXXX birthday, XX/XX/year>. We wanted to do a water activity and I found a place online. The online site had pictures and location. The person was communicating. The person, XXXX XXXX is what he fond me hi name was stated I had to send payment to secure our spots since we was a large group. It was about XXXX of us. XXXX told me he only accepts XXXX. I went to my bank site which is Navy Federal and XXXX was a payment option. I sent the money on XX/XX/year>, XXXX payment since XXXX only allow you to send {$1000.00} at a time. I sent {$1000.00} and then {$540.00}. XXXX stopped responding once I sent payment. I search the address of the place online and it was an abandoned lot. I reached out to my bank the same day and I was told it was nothing they can do about it since XXXX is like a cash transaction. They told me its no way to dispute the transaction. At the time, XXXX did not have a contact number or information for me to contact. I tried searching online for assistance and there was nothing. I gave up on trying to get my money because I kept getting shot down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: FL

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 transaction were authorized I was charged fees due to lagged posting and charges and credits this issue aligns with the recent CFPB findings against Navy Federal for similar practices. Where transactions settled with insufficient balances despite initially available funds.i believe these practices are unfair and request investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
I got a loan with XXXX XXXX XXXX  back in XXXX for the amount of XXXX with interest and everything they are charging me almost {$4000.00} that when I first got the loan, I was not aware the other loan with Lakeshore loan same thing I got {$500.00} And I have to pay back XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my consumer report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against both XXXX and XXXX, 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 Transunion has not removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am demanding immediate corrective action to remove or amend the disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer. 

CFPB Complaint Id # XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-22 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: LA

Complaint narrative:
Complaint Against Equifax for Violations of the FCRA and CFPA I am filing this complaint against Equifax for violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ), particularly for failing to conduct reasonable reinvestigations of disputes and mishandling inaccuracies in my credit report.

Equifax has consistently refused to correct inaccuracies in my name, address, and identity theft phone number, despite my submission of valid documentation, including proof of identity, billing statements, and the last four digits of my Social Security number ( SSN ). Since XXXX, Equifax has ignored repeated notices and disputes regarding my identity theft phone number and only recently, on XX/XX/XXXX, updated it after 36 months of inaction, but still refuses to correct my address and name. 
Equifax unlawfully reinserted a previously deleted phone number into my consumer file without proper notice or documentation, violating FCRA 611 ( a ) ( 5 ) ( B ). Furthermore, Equifax failed to provide adequate notices of the results of reinvestigations, violating FCRA 611 ( a ) ( 6 ). It also failed to maintain reasonable procedures to ensure maximum possible accuracy, as required by FCRA 607 ( b ). 
In response to my XX/XX/XXXX, dispute under FTC 605B ( a ) regarding my address and identity theft phone number, Equifax sent 50 conflicting and generic notices. These responses revealed systemic inadequacies in its automated systems and its refusal to correct inaccuracies, perpetuating harm to my creditworthiness. SEE ATTACHED NOTICED RECEIVED. 
As of XX/XX/XXXX, Equifax continues to refuse to correct my name and address and knowingly sells inaccurate consumer information despite clear evidence that the data is incorrect. 
Violations Equifaxs practices constitute multiple violations of federal law, including : Failing to conduct reasonable reinvestigations of disputed information ( 15 U.S.C. 1681i ).

Reporting inaccurate personal information, such as addresses and phone numbers, in violation of their duty to maintain maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ).

Failing to notify furnishers of disputes and to delete unverified or inaccurate information ( 15 U.S.C. 1681i ( a ) ( 2 ) and 1681i ( a ) ( 5 ) ).

Mishandling fraud alerts and identity theft alerts ( 15 U.S.C. 1681c-1 and 1681c-2 ).

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 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 ) for similar violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed disputes on several creditors due to statue of limitations had expired, incorrect information was reported, and accounts were not mine. They denied to follow up with the investigation and would not allow me to re-dispute their findings. I was recently notified that CFPD has filed a lawsuit against XXXX. They alleged the company of accepting unreliable information and failed to notify consumer dispute results. This aligns with my situation. XXXX, Transunion and XXXX have not attempted to remove, nor correct any information. XXXX, Transunion and XXXX also failed to remove improper addresses/spelling of name with the excuse " its linked to a collection account '' Im requesting the derogatory remarks be removed or corrected immediately, as it is affecting my changes to purchase a home and vehicle. XXXX, Transunion and XXXX violates my rights as a consumer, as well as federal laws.

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed disputes on several creditors due to statue of limitations had expired, incorrect information was reported, and accounts were not mine. They denied to follow up with the investigation and would not allow me to re-dispute their findings. I was recently notified that CFPD has filed a lawsuit against XXXX. They alleged the company of accepting unreliable information and failed to notify consumer dispute results. This aligns with my situation. XXXX, XXXX and Equifax have not attempted to remove, nor correct any information. XXXX, XXXX and Equifax also failed to remove improper addresses/spelling of name with the excuse " its linked to a collection account '' Im requesting the derogatory remarks be removed or corrected immediately, as it is affecting my changes to purchase a home and vehicle. XXXX, XXXX and Equifax violates my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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 writing to address serious inaccuracies on my credit report. It has come to my attention that accounts listed on my report do not belong to me, and I have never been involved with the activities these accounts suggest. This is not only an unjust representation, but it is also deeply concerning as I have never authorized or made any of the actions associated with these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: National Consumer Telecom & Utilities Exchange, Inc.
State: TX

Complaint narrative:
This account has been inaccurately listed on my NCTUE consumer file since XXXX Despite my previous communications requesting its removal, it remains on my report. I provided proof that my personal information was compromised in a data breach, which likely led to the fraudulent or outdated account. The continued reporting of this account violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ), as negative information older than XXXX years should no longer be reported. I request its immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Stellantis Financial Services US Corp.
State: NC

Complaint narrative:
Refund - {$190.00} {$0.00} XX/XX/XXXX XXXX XXXX  Refund {$370.00} {$0.00} XX/XX/XXXX XXXX XXXX  Declined {$370.00} {$0.00} XX/XX/XXXX XXXX XXXX  Accepted {$200.00} {$0.00} XX/XX/XXXX XXXX XXXX Returned {$190.00} {$0.00} XX/XX/XXXX XXXX XXXX  Accepted {$380.00} {$0.00} XX/XX/XXXX XXXX XXXX  I asked for an explanation-what is a refund versus a return versus a decline within their banking system. In light of XXXX and all chaos of the world and continuing nonsense, a 3d party agreed to help make some payments while I prayed and waited for some correct governmental treatment and for some unemployment or another job ( despite the large number of business closures/road closures/bridge cave-ins, etc ). 

The third party was present on the phone call and had actually told me to bring them the billing prior to making the phone call. I believe they were initially as confused as I was communicating with the agents but I was not on the call. The party used their own cell phone and I let them communicate privately with 1st Investor 's Servicing Corporation who holds the auto loan, especially considering they were providing their personal banking details ( I departed from the room after giving authorization to the customer service representative ).

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 2025-01-22 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: CA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report thirteen fraudulent accounts appearing on my consumer FICO Experian credit report, which I do not recognize as reported and which are the result of identity theft and fraud. The accounts in question are as follows : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX  These fraudulent accounts consist of credit card accounts opened at various creditors on different dates under specified account numbers and have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), ( XXXX ), and ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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