vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX for gross violations of my privacy rights and unauthorized debt collection activities. I never provided consent for XXXX XXXX to contact me, share my personal information, or report an alleged debt to the consumer reporting agencies. Their actions have caused significant harm to my credit profile and subjected me to undue stress and harassment.

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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Fraudulent activity what's going on on my Cell account I tried to talk to them regarding the matter instead of helping me pay close my account where I could no longer get into it. I had to fix that by speaking to someone there and they still did not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
Certainly! The four major U.S. consumer credit laws that are relevant in disputes involving credit reporting and consumer protection are : 1. Fair Credit Reporting Act ( FCRA ) Purpose : To ensure accuracy, fairness, and privacy in consumer credit reporting.

Key Provisions : Consumers have the right to dispute inaccurate or incomplete information on their credit reports.

Credit reporting agencies ( CRAs ) and data furnishers ( creditors, lenders ) must investigate disputes and correct inaccuracies within 30 days.

Consumers must be notified if negative information is added to their credit report.

Limits who can access credit reports and for what purposes.

Legal Reference : 15 U.S. Code 1681.

2. Fair Debt Collection Practices Act ( FDCPA ) Purpose : To protect consumers from abusive debt collection practices.

Key Provisions : Prohibits harassment, misrepresentation, and unfair practices by debt collectors.

Debt collectors must provide validation of debt upon request within 30 days of initial contact.

Consumers can dispute debts and request debt verification.

Establishes guidelines for when and how debt collectors can contact consumers.

Legal Reference : 15 U.S. Code 1692.

3. Truth in Lending Act ( TILA ) Purpose : To ensure consumers are informed about the terms and costs of credit.

Key Provisions : Requires lenders to disclose key credit terms, such as interest rates ( APR ), fees, and repayment schedules.

Provides consumers with a right to rescind certain types of loans ( e.g., home equity loans ) within a three-day window.

Protects against unfair billing practices.

Legal Reference : 15 U.S. Code 1601.

4. Equal Credit Opportunity Act ( ECOA ) Purpose : To prevent discrimination in credit transactions.

Key Provisions : Prohibits discrimination based on race, color, religion, national origin, sex, marital status, age, or receipt of public assistance.

Requires lenders to provide reasons for denying credit applications.

Protects consumers rights to have their credit considered fairly.

Legal Reference : 15 U.S. Code 1691. 

If youre filing a dispute with the Consumer Financial Protection Bureau ( CFPB ), make sure to specify which law applies to your situation and provide evidence supporting your claims. If you need help drafting the dispute, let me know!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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:
I am submitting this complaint to the Consumer financial Protection Bureau ( CFPB ) regarding Bureau specifically in relation to the recent data breach that has compromised the personal information of countless consumers including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) s 605B ( 15 U.S.C s 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud.XXXX is legally required to complete this action within four business days of receiving this complaint XXXX XXXX XXXX XXXX Account listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my FICO credit report.These entities are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation documentation of my FTC identity Theft complaint ( XXXX ) which serves as compelling evidence that these accounts, inquiries and collection are the result of identity theft and fraud. The negligence of XXXX in safeguarding consumer data has enabled identity thieves to exploit my personal information.I expect immediate action to rectify the matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information.Failure to comply with the legal with legal obligation will compel me to take further action, including escalation to the CFPB Federal Commission, and legal avenues available to protect my rights as a consumer. Thank you your attention to this urgent matterXXXX 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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The account was opened from my information fraudulently. 
XXXX XXXX XXXX account was opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This company has filed a judgment against me in court and garnished my wages. I need this item 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 2025-01-26 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: GA

Complaint narrative:
The account was opened from my information fraudulently. 
XXXX XXXX XXXX account was opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This company has filed a judgment against me in court and garnished my wages. I need this item removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
i have learned that i have been a victim of identity theft sometimes during XXXX XXXX XXXX and i reported to XXXX XXXX XXXX and filed a report on XX/XX/XXXX and i wrote numerous letters to the FBI in XXXXXXXX XXXX and i reported four banks and credit cards had been opened without me knowing about it and i took my time to shut down those accounts not authorized by me and i have ongoing dispute with Capital One that i never applied for a credit card ending XXXX and there is fraud in the spending statement that they denied anything wrong which is wrong that i am not the person to use the entire credit score in one or two days that this debt is not mine and the least i find out that a scammer used the name XXXXXXXX XXXX XXXX XXXX had all the access and control over those accounts using my identity and once again Capital One debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: FL

Complaint narrative:
I would like to file a formal complaint against Equifax. This is the fifth time since 2023 that I have requested accuracy on my consumer report. However, Equifax has repeated stated that the information is verified accurately. However, I have completed a thorough scan of my consumer report and found that my report still contains open dates that precede last activity dates or closed dates occur before open dates, last activity dates moving constantly, inaccurate remarks between bureaus, and unverifiable document from creditormay constitute a violation of these FCRA provisions. I am a single widow of XXXX children after the passing of my spouse of 13 years, to XXXX. These inaccuracies have caused a severe hindrance to my life as it has affected my creditworthiness to rebuild my life again. 
FCRA Violations & Requirements 1. 15 U.S.C. 1681e ( b ) You must employ reasonable procedures to ensure the maximum possible accuracy of the information you report.

2. 15 U.S.C. 1681i ( a ) You must investigate disputed items within 30 days and correct or delete any data found to be inaccurate, incomplete, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has contemporaneously committed unlawful debt collection practices, failure to investigate disputed information, not responded to debt validation letters while continuously committing 1040 days of Identity Theft, willfully furnishing fraudulent, invalidated, incorrect, and forged financial documents to the Credit Reporting Agencies. Relentlessly racking up unfair practice violations and submitted as evidence : false, misleading, and misrepresented documents to the Virginia Judicial System and even obtained a General District Court judgment in their favor ( currently under appeal in the Circuit Court ). 
Hey XXXX, if I am wrong and you are not shielding a RICO enterprise with the numerous debt buying companies affiliated under XXXX  XXXX XXXX XXXX umbrella ( you knowXXXX XXXX XXXX and ties to Citigroup ). All that you need to do is validate the debt buddy. I RESERVE ALL RIGHTS WITHOUT RECOURSE

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 2025-01-26 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: GA

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I demand an immediate investigation and removal of these inquiries.

The following inquiries listed on my credit report are unauthorized and were not initiated by me.

I have not applied for credit with these institutions, nor have I authorized these inquiries. Under 15 U.S.C. 1681i, you are required to investigate and correct inaccurate information on my credit report. I expect these unauthorized inquiries to be removed from my report immediately.

Failure to comply with this request will leave me no choice but to pursue further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking legal remedies for damages caused by these inaccuracies.

Please send me a written confirmation once these inquiries have been removed from my credit report. I expect a prompt resolution to this matter within the 30-day timeframe as mandated by the FCRA. 

Thank you for your immediate attention to this serious matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: GA

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I demand an immediate investigation and removal of these inquiries. 

The following inquiries listed on my credit report are unauthorized and were not initiated by me.

I have not applied for credit with these institutions, nor have I authorized these inquiries. Under 15 U.S.C. 1681i, you are required to investigate and correct inaccurate information on my credit report. I expect these unauthorized inquiries to be removed from my report immediately.

Failure to comply with this request will leave me no choice but to pursue further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking legal remedies for damages caused by these inaccuracies.

Please send me a written confirmation once these inquiries have been removed from my credit report. I expect a prompt resolution to this matter within the 30-day timeframe as mandated by the FCRA. 

Thank you for your immediate attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: MI

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 flagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices where transactions settled with insufficient funds balances despite initially having 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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: NC

Complaint narrative:
XXXX XXXX, Consumer Social Security Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Contents of Complaint : This CFPB complaint has been Filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , shall block information appearing on my consumer credit report that is the result of identity theft and fraud and remove these accounts within four business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX XXXX 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.

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 2025-01-26 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:
I am filing a compiaint against Equifax for failing to properiy 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 2025-01-26 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: MD

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting act FCRA to conduct a reasonable re-investigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. 
CFPB has recently filed a law suit against Experian. Alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed Items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action.

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 2025-01-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I XXXX XXXX victim of identity theft. i XXXX XXXX am victim of identity i have never applied for any credit with XXXX. XXXX is listed as authorized user which i didnt authorized. i have already spoken with them they stated to reach out to credit reporting agency these needs fi be removed from my credit report. als o the inquiry for bank of america and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX is not mine these inquires are fraud and need ti be removed

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 2025-01-26 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I XXXX XXXX victim of identity theft. i XXXX XXXX am victim of identity i have never applied for any credit with XXXX XXXX is listed as authorized user which i didnt authorized. i have already spoken with them they stated to reach out to credit reporting agency these needs fi be removed from my credit report. als o the inquiry for XXXX XXXX XXXX XXXX XXXX XXXX lightstream XXXX XXXX XXXX XXXX XXXX is not mine these inquires are fraud and need ti be removed

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 2025-01-26 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 made a complaint about inaccurate inquires on my credit report that needs to be removed and the company responded by saying the inquiries I reported does not appear on my credit report but it does as I pulled a recent updated report and the inquires I requested to be removed is still there. TransUnion is lying and still have these inquiries that are inaccurate on my report. 
Again the inquires that are not accurate are ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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