vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, this letter serves as a formal dispute and demand for the immediate removal of inaccurate, outdated, and unverified debt entries from my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681, and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692, I am exercising my legal right to challenge the validity of the debts being reported. 
Upon reviewing my credit report, I have identified the following erroneous and unverified accounts that are negatively impacting my credit profile. Under 15 U.S.C. 1681i, you are required to conduct a full investigation within 30 days of receiving this dispute. If the accounts can not be verified with original documentation from the creditor, you must immediately delete them from my report. 
I Demands Under Federal Law : 1. Full validation of each reported debt, including the original creditor agreement, signed contract, and complete payment history. ( FCRA 609 ) 2. Proof of legal authority for any debt collector reporting on my file. ( FDCPA 809 ( b ) Debt Validation ) XXXX. Immediate deletion of any unverified, outdated, or inaccurate information, as required by law. ( FCRA 1681e ( b ) ) 4. Written confirmation detailing your findings and any removals made to my credit report. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Unsecured XXXX XXXX, XXXX Closed Account charged off. {$1900.00} written off. {$2000.00} past due as of XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Account charged off. {$1500.00} written off. {$1500.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Open/Closed Closed Account Type Balance - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Open/Closed. Closed Account Type Secured loan Balance - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX  Date Filed Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, this letter serves as a formal dispute and demand for the immediate removal of inaccurate, outdated, and unverified debt entries from my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681, and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692, I am exercising my legal right to challenge the validity of the debts being reported. 
Upon reviewing my credit report, I have identified the following erroneous and unverified accounts that are negatively impacting my credit profile. Under 15 U.S.C. 1681i, you are required to conduct a full investigation within 30 days of receiving this dispute. If the accounts can not be verified with original documentation from the creditor, you must immediately delete them from my report. 
I Demands Under Federal Law : 1. Full validation of each reported debt, including the original creditor agreement, signed contract, and complete payment history. ( FCRA 609 ) 2. Proof of legal authority for any debt collector reporting on my file. ( FDCPA 809 ( b ) Debt Validation ) XXXX. Immediate deletion of any unverified, outdated, or inaccurate information, as required by law. ( FCRA 1681e ( b ) ) 4. Written confirmation detailing your findings and any removals made to my credit report. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Unsecured XXXX XXXX, XXXX Closed Account charged off. {$1900.00} written off. {$2000.00} past due as of XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Account charged off. {$1500.00} written off. {$1500.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Open/Closed Closed Account Type Balance - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Open/Closed. Closed Account Type Secured loan Balance - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX  Date Filed Reference XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-08 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 attaching FTC report containing 5 fraudulent accounts as well as fraudulent inquiries. I figured its time to buy a home and upon pulling my credit report I noticed all this fraudulent activity which is slowing the process of me purchasing a home for my family.

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 2025-02-08 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: NC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

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 also 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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: LA

Complaint narrative:
I am sending to formally dispute the unauthorized inquiries on my credit report. Upon reviewing my credit report, I noticed several inquiry that I did not authorize. This inquiries are negatively affecting my credit score, and I am concerned about the potential impact on my financial standing. 

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/year>

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 2025-02-08 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX Date XX/XX/XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report maintained by Experian. Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable reinvestigation of any disputed information.

The following information on my credit report is incorrect : 1. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX I have attached supporting documentation, including identity theft reports which demonstrate that this information is inaccurate. Please forward this dispute along with all relevant documentation to the original furnisher of the disputed information, as required by law. 

Additionally, I request that you provide me with a written summary of the results of your reinvestigation, including any corrections made to my credit report. If you determine that the information is verified as accurate, please provide a detailed explanation of how this conclusion was reached and the contact information of the furnisher who verified the data. 

If this information can not be verified, I request its immediate deletion from my credit report as per the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) 15USC CODE 1681N,15 USC 1681o,15 USC 1681e,15 USC 1605, 15 USC 1681 15 U.S CODE 1681 ( S ) - 2 SubSection 1F 15 U.S CODE 1681 ( 4 ) 15 U.S CODE 1681 ( a ). Furthermore, I expect Experian to comply with its obligation to prevent the reinsertion of previously deleted information without proper certification and notice to me.

Please conduct this reinvestigation within the required 30-day period. I would appreciate a prompt response confirming receipt of this dispute. Should Experian fail to fulfill its legal obligations regarding this matter, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) or pursue other legal remedies. 

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

Sincerely, 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 2025-02-08 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 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 2025-02-08 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: TX

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 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/year>

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 2025-02-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
What my dilemma is, that I am on XXXX and pay most of my bills at the beginning of the month. My XXXX XXXX XXXX Account XXXX due date is on the XXXX of each month. Instead, I paid the minimum due of {$30.00} on XX/XX/year>, but the payment was not taken out of my account until XX/XX/year>. When I received my next bill, I was charged a late fee of {$37.00} which is an unfair and deceptive practice with an additional fee of {$25.00} for a total of {$67.00}. I called Commenity to dispute the late fee and was advised that my payment went into the previous month due to the billing close date of the XXXX. I spoke to a supervisor who advised me that my minimum payment would be {$25.00} without the minimum fee but to pay the {$67.00}. I refused to pay a fee that I did not owe but paid the {$25.00}. I then received a letter in the mail to psychologically make me believe that my payment was late and that I should to go into payment arrangements, added an additional late fee of {$37.00}, and suspended my account, again which is an unfair and deceptive practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-08 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: FL

Complaint narrative:
I have requested multiple times since 2 years ago this company to provide me my 1099 C form ( cancellation of debt ) to properly file my annual income taxes and ad this discharged debt on my annual income, and they failed to provided it. 
They were contact by certified mail ( twice ) and multiple times by phone, and they refused to provide it. IRS is being notified about this issue, and they are aware of this situation.

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 2025-02-08 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: FL

Complaint narrative:
I have requested multiple times since 2 years ago this company to provide me my 1099 C form ( cancellation of debt ) to properly file my annual income taxes and ad this discharged debt on my annual income, and they failed to provided it. 
They were contact by certified mail ( twice ) and multiple times by phone, and they refused to provide it. IRS is being notified about this issue, and they are aware of this situation.

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 2025-02-08 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act Convergent Account name XXXX XXXX XXXX, Account number XXXX, has violated my rights. 

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 : Also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act Convergent Account name XXXX XXXX XXXX, Account number XXXX, has violated my rights. 

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 : Also states a consumer reporting agency can not furnish a account without my written instruction.

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 2025-02-08 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings
State: GA

Complaint narrative:
Ive been receiving frequent calls at unusual times. It was kind of hard to understand due to bad reception. Something about $ XXXX is owed, Im confused on the situation and lack of information on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: IL

Complaint narrative:
I am a victim of identity theft and my personal information was bought and sold illegally because I was a victim of the Equifax Data Breach. I want these items Deleted from my credit reports effective immediately. i am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done absolutely nothing about it. Please help me Delete these illegal accounts from my credit reports. 

THESE ADDITIONAL FRAUDULENT AND ERRONEOUS ITEMS NEED TO BE DELETED IMMEDIATELY : Account Name 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: RI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Unauthorized/Inaccurate Credit Inquiry Dear Sir/Madam , I am writing to formally dispute some credit inquiries that appears on my credit report, as provided by your agency. I have reviewed my credit report and noticed some inquiries that I believe is either inaccurate or unauthorized. 
Inquiry Details : 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 XXXXXX/XX/XXXX I believe that these inquiries is inaccurate or has been made without my authorization. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have only accurate and authorized information reflected in my credit report. Specifically, Section 604 of the FCRA ( 15 U.S.C. 1681b ) limits the types of inquiries that can be made into my credit report and requires my consent for certain types of credit checks.

I request that you investigate this inquiry and remove it from my credit report if it was made in error or without my permission. If the inquiry was made without my consent or if the business is unable to provide proof of authorization, I ask that you delete this inquiry in compliance with the FCRA. 
Please conduct a thorough investigation into this matter and notify me of your findings within the 30-day period required by the FCRA. If you require any additional information or documentation from me, please let me know as soon as possible. 
Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the disputed inquiry has been removed from my credit report. 
Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: RI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Unauthorized/Inaccurate Credit Inquiry Dear Sir/Madam , I am writing to formally dispute some credit inquiries that appears on my credit report, as provided by your agency. I have reviewed my credit report and noticed some inquiries that I believe is either inaccurate or unauthorized. 
Inquiry Details : 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 XXXXXX/XX/XXXX I believe that these inquiries is inaccurate or has been made without my authorization. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have only accurate and authorized information reflected in my credit report. Specifically, Section 604 of the FCRA ( 15 U.S.C. 1681b ) limits the types of inquiries that can be made into my credit report and requires my consent for certain types of credit checks.

I request that you investigate this inquiry and remove it from my credit report if it was made in error or without my permission. If the inquiry was made without my consent or if the business is unable to provide proof of authorization, I ask that you delete this inquiry in compliance with the FCRA. 
Please conduct a thorough investigation into this matter and notify me of your findings within the 30-day period required by the FCRA. If you require any additional information or documentation from me, please let me know as soon as possible. 
Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the disputed inquiry has been removed from my credit report. 
Sincerely, XXXX XXXX XXXX XXXX : 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 non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
# XXXX Child support enforcement XXXX dollars that amount is wrong. # XXXX XXXX XXXX XXXX dollars close and XXXX XXXX XXXX  XXXX XX/XX/year> close and pay off settlement for XXXX dollars please reivew

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