vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: 1st Franklin Financial Corporation
State: IN

Complaint narrative:
I downloaded a credit monitoring app. To my surprise I seen accounts that did not belong to me. This included credit cards as well as a loan. This included 1st financial bank USA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of these accounts. Ive been contacted my dept collectors. I have tried to explain that I know nothing of these accounts however I continue to be contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After your reinvestigation, I disagree with the resolution. This account is negatively impacting my ability to obtain credit. The difference in the payment amounts, last payment dates, and the repeated reporting of repossession by Experian. 
It seems that Experian is reporting XXXX negative months for a repossession originating only in XX/XX/XXXX, there are no XXXX days late reporting after the XXXX days, and there is no reporting of repossession in XX/XX/XXXX. This is an error as a repossession should not be reported as a new negative event every month following the actual repossession date. This is a violation, and the account must be removed immediately as you have failed to accurately report this account. 

XXXX XXXX Account number : 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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

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 experience, alleging, systematic 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 experience has neither corrected nor removed or amend the dispute accounts as Experience action, 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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I recently received a copy of my credit report and noticed some unusual accounts on it. I looked into the accounts and found them to be fraudulent. I have the accounts listed below, along with inquiries. I would like assistance from the CFPB in having these fraudulent and unauthorized accounts removed from my consumer credit report. I have attached an identity theft report filed with the FTC. 
The fraudulent accounts are : XXXX XXXX XXXX XXXX # XXXX, {$1000.00} XXXX XXXX XXXX Acct # XXXX, {$340.00} XXXX XXXX, XXXX, {$590.00} XXXX XXXX XXXX  Acct # XXXX, {$1000.00} XXXXXXXX XXXX XXXX # XXXX {$840.00} The following credit inquiries are also fraudulent and included in my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I recently received a copy of my credit report and noticed some unusual accounts on it. I looked into the accounts and found them to be fraudulent. I have the accounts listed below, along with inquiries. I would like assistance from the CFPB in having these fraudulent and unauthorized accounts removed from my consumer credit report. I have attached an identity theft report filed with the FTC. 
The fraudulent accounts are : XXXX XXXX XXXX XXXX XXXX XXXX, {$1000.00} XXXX XXXX XXXX Acct # XXXX, {$340.00} XXXX Funding, XXXX, {$590.00} XXXX XXXX XXXXXXXX, Acct # XXXX, {$1000.00} XXXX XXXX XXXX  # XXXX {$840.00} The following credit inquiries are also fraudulent and included in my request. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
TransUnion 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 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 same failures align with my experience with TransUnion, where TransUnion 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 TransUnion '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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX opened XX/XX/XXXX with a balance of {$23000.00} XXXX XXXX opened XXXX XXXX with a balance of {$14000.00} XXXX XXXXXXXX opened XX/XX/XXXX with a balance of {$2500.00} XXXXXXXX XXXX opened XX/XX/XXXX with a balance of {$1700.00} XXXX opened XX/XX/XXXX with a balance of {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$9100.00} All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint ( # XXXX ) & ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and 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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute specific unauthorized credit inquiries and collection accounts listed on my TransUnion credit report. I did not authorize these inquiries or recognize these collections, and I request an immediate investigation and removal of the inaccurate entries as required by the Fair Credit Reporting Act ( FCRA ). 

Below are the disputed items : Unauthorized Inquiries 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 Under FCRA Section 604 ( a ), inquiries are only permissible with my explicit authorization or under specific legal circumstances. I did not apply for credit with these companies, nor did I authorize these inquiries. If you can not provide verification of my consent, I request that these inquiries be removed immediately. 

Unknown Collection Accounts XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recognize these accounts and have no knowledge of their validity. Under FCRA Section 611, I am requesting an investigation into these accounts. If these debts can not be verified with accurate documentation, they must be removed from my credit report. Please provide proof of ownership, including signed agreements or contracts that link me to these accounts.

Supporting Documents To assist with the investigation, I have included : A copy of my government-issued ID A copy of a recent utility bill or bank statement as proof of address Resolution Requested I request that TransUnion : XXXX. Investigate and verify the listed inquiries and collection accounts. 
XXXX. Remove any item that can not be verified as accurate or authorized. 
XXXX. Provide written confirmation of the investigation results within 30 days, as stipulated by the FCRA. 


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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

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 lagged posting of 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 an 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 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I wrote a letter to the credit bureaus asking for the removal of these accounts because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high accurate information, and they did not. The account is inaccurate, they never showed me how they verified these accounts nor how they updated these accounts, they did not disclose their method of verification nor a contract bearing my signature as requested. These accounts are affecting my credit report and me trying to get a house, car, and other loans. Please remove them immediately. They had up to 30 days to provide me with the method of verification and a contract or any proof that these accounts are mine. I received neither. Please remove them. 

Equifax Accounts XXXX. Account Number : XXXX XXXX : {$740.00} XXXX XXXX XXXX  XXXX. Account Number : XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX. Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX 
Balance : {$1200.00} XXXX XXXX XXXX XXXX. Account Number : XXXX Original Creditor : XXXXXXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX. Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$560.00} Status : Open Comments : Placed for XXXX XXXX XXXX XXXX XXXX. Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX  Balance : {$470.00} Status : Open Comments : Placed for Collection The XXXX XXXX XXXX. Account Number : XXXX  Original Creditor XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX 
Balance : {$420.00} XXXX XXXX XXXX XXXX. Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX : {$64.00} Status : XXXX XXXX XXXX XXXX XXXX. Account Number : XXXX Original Creditor : Balance : Status : XXXX / XXXX XXXX This agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them and they are violating my rights and im entitled to {$1000.00} for every violation I listed, they have to pay me or delete these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

Here is the item I am asking you to verify as accurate : XXXX  ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXXXXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Account Information Under FCRA Dear XXXX, XXXX am writing to dispute inaccurate information appearing in my credit report, which is under your responsibility to maintain with the maximum possible accuracy, as established in XXXX XXXX XXXXXXXX XXXX XXXX XXXX 
The following account is inaccurate and violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX. This account violates the following laws under the FCRA : XXXX. 15 U.S.C. 1681i : You are required to conduct a reasonable reinvestigation of disputes related to credit report inaccuracies. 
XXXX. 15 U.S.C. 1681s-2 : Furnishers of information are required to provide accurate and complete data to credit reporting agencies. 
XXXX. 15 U.S.C. 1681i ( a ) ( 5 ) : Inaccurate or unverifiable information must be deleted promptly. 
XXXX. 15 U.S.C. 1681e ( b ) : Credit reporting agencies must ensure the maximum possible accuracy of the information contained in consumer reports. 
The account in question is inaccurate because name of the original creditor is inaccurate '', the original creditor operates outside the United States ( in this case, XXXX ), legally can not be enforced or reported under XXXX XXXX laws. " and the debt is legally invalid. 
I request that XXXX : ( XXXX ) Delete this account from my credit report immediately, as it violates the FCRA provisions outlined above. ( XXXX ) Provide me with an updated copy of my credit report reflecting this change. ( XXXX ) Inform me of the results of your reinvestigation within the legally mandated time frame. 
Enclosed are copies of supporting documents ( e.g., my identification ) to assist in resolving this matter. Please treat this letter as a formal dispute. I expect your response within 30 days of receipt, as required by the FCRA. 
I appreciate your prompt attention to this matter. I look forward to your response. 

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 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
XXXX XXXX I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX financed a vehicle that came from XXXX XXXXXXXX near XXXX TN. The vehicle was supposed to be returned and the account was to be closed due to being purchased under false pretense. XXXX XXXX stated that if reported within 30 days they would investigate and take action. The car company used XXXX XXXX because they get {$1000.00} back if the loan stays open for 90 days. XXXX XXXX was notified on the XXXX day that the vehicle was inoperable and would require a new motor and transmission which would require an additional {$15000.00}, well above the loan value of the vehicle. The additional warranty that was purchased was refunded because of the severe problem happening before the 30 day resting period. The problem was determined to be preexisting and should not have been sold. XXXX XXXX did nothing, and now my report reflects their negligence in the 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