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: 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 am writing to formally dispute certain accounts and inquiries that have been reported on my consumer credit report, as referenced below. These entries appear to be the result of a data breach, fraud, or unauthorized activity. I demand verifiable proof bearing my signature or electronic signature for any transactions or inquiries associated with these reports.

Please note, I am submitting this letter on my own behalf, not through any third party, and I kindly request that you review this matter carefully. I did not authorize these actions, and they represent a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ) regarding the blocking of information resulting from a data breach or fraud, as well as Section 604 ( 15 U.S.C. 1681b ) related to permissible purposes for consumer reports.

I have contacted the relevant companies and discovered that these actions were initiated without any compliant validation or original documentation from the reporting entities. As I did not authorize these accounts or inquiries, they must be classified as the result of either a data breach or the illegal reporting of my information by creditors or third-party data furnishers. 

I request that you thoroughly investigate this matter and take the appropriate action to resolve these discrepancies promptly.

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 — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Pulled my credit reports only to discover two accounts had been charged off. I contacted the company to request for a 1099C for tax purposes and was told they would not provide me one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
In XXXX My XXXX XXXX and I traded in a vehicle to bridgecrest / XXXX  and purchased a new car .They asked for {$4000.00} XXXX down payment even with a trade in and I provided this amount to move forward with the purchase. She was the main purchaser and I was the cosigner. She unfortunately unexpectantly passed away in XXXX and I continued to make the payments to the vehicle every month until this year XX/XX/XXXX. brigcrest was unable to provide documents for me to renew the tag. Prior to the passing of my grandmother I reached out to bridgcrest asking if I would be able to continue the lease of the vehicle in the event something happened to her life. I was told I was the cosigner and I could continue the lease. That was not the case .I wasn't able to obtain proper documentation to renew tag. I was told that I needed to refinance the car in order to get tag docs. I voluntarily gave the car back and now I have a repo on my credit preventing me from new car lease or loan and also bringing my credit score down tremendously.

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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
To : XXXX, XXXX, and TransUnion Subject : Formal Request for Deletion of Unverifiable Accounts Based on XXXX Deletion To Whom It May Concern, I am writing to formally request the deletion of two unverifiable accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( B ). The accounts in question are : Ally Financial - Charge-off for {$13000.00} XXXX XXXX  XXXX XXXX for {$39000.00} On XXXX XXXX, I disputed these accounts on my XXXX credit report. XXXX completed their investigation, and as of XX/XX/year>, both accounts were deleted from my report. Given this deletion, I am requesting that XXXX, XXXX, and TransUnion also remove these unverifiable debts from my credit file. 

Relevant Consumer Protections Under the FCRA : Section 611 ( a ) ( 1 ) ( A ) : Credit reporting agencies are obligated to investigate disputed information and delete or correct any unverifiable account within 30 days of the dispute.

Section 623 ( a ) ( 1 ) ( B ) : Furnishers of credit information must not continue to report inaccurate or unverifiable information. 

Since XXXX has removed these accounts, it is evident that they could not be verified. This establishes a precedent that the accounts are not valid and must be removed from my credit reports with all other credit reporting agencies.

Legal Consequences for Noncompliance : If the investigation by XXXX, XXXX, and TransUnion fails to result in the deletion of these unverifiable accounts within 30 days, I reserve my rights under Sections 616 and 617 of the FCRA to pursue legal action against your agency for willful or negligent noncompliance. Noncompliance may result in statutory damages, court costs, and attorney fees. 

Furthermore, continuing to report unverifiable or inaccurate information after notice of its deletion by XXXX may also violate Section 623 ( b ) ( 1 ) ( C ), which requires furnishers to cease reporting inaccurate information.

Request for Confirmation : I request written confirmation of the results of your investigation and a revised copy of my credit reports reflecting the deletion of these accounts within 30 days of the date of this letter. Please send all correspondence to the address provided above or via email at XXXX. 

If you fail to resolve this matter promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and will not hesitate to pursue all available legal remedies. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
To : XXXX, Equifax, and XXXX Subject : Formal Request for Deletion of Unverifiable Accounts Based on XXXX Deletion To Whom It May Concern, I am writing to formally request the deletion of two unverifiable accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( B ). The accounts in question are : Ally Financial - Charge-off for {$13000.00} XXXX XXXX  - Charge-off for {$39000.00} On XXXX XXXX, I disputed these accounts on my XXXX credit report. XXXX completed their investigation, and as of XX/XX/year>, both accounts were deleted from my report. Given this deletion, I am requesting that XXXX, Equifax, and XXXX also remove these unverifiable debts from my credit file.

Relevant Consumer Protections Under the FCRA : Section 611 ( a ) ( 1 ) ( A ) : Credit reporting agencies are obligated to investigate disputed information and delete or correct any unverifiable account within 30 days of the dispute.

Section 623 ( a ) ( 1 ) ( B ) : Furnishers of credit information must not continue to report inaccurate or unverifiable information. 

Since XXXX has removed these accounts, it is evident that they could not be verified. This establishes a precedent that the accounts are not valid and must be removed from my credit reports with all other credit reporting agencies.

Legal Consequences for Noncompliance : If the investigation by XXXX, Equifax, and XXXX fails to result in the deletion of these unverifiable accounts within 30 days, I reserve my rights under Sections 616 and 617 of the FCRA to pursue legal action against your agency for willful or negligent noncompliance. Noncompliance may result in statutory damages, court costs, and attorney fees. 

Furthermore, continuing to report unverifiable or inaccurate information after notice of its deletion by XXXX may also violate Section 623 ( b ) ( 1 ) ( C ), which requires furnishers to cease reporting inaccurate information.

Request for Confirmation : I request written confirmation of the results of your investigation and a revised copy of my credit reports reflecting the deletion of these accounts within 30 days of the date of this letter. Please send all correspondence to the address provided above or via email at XXXX. 

If you fail to resolve this matter promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and will not hesitate to pursue all available legal remedies. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The account in question is being reported inaccurate by all three credit bureaus and I have been disputing this for a while. This account is paid in full but why is it reporting as paid and written off - showing several different statuses that are confusing and misleading. This is not a charge-off as I paid the creditor directly from my account and the money was received by them. These bureaus should not be allowed to keep incorrect information that is outdated on my report as it is not fair and unjust. 

This account was a credit builder savings account where it was my money that was actually used as a loan and that I can cancel at any time. When I did, I received a the funds into my account. 

The credit bureaus clearly do not know how this process works and I believe that an my dispute was not looked at by a person but by AI. This is unfair and a financial assault.

Company response to consumer: Closed with non-monetary relief
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: CA

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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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: EQUIFAX, INC.
State: OH

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/year> Experian, XXXX XXXX XXXX, XXXX XXXX TX XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, Experian I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score.

The unauthorized inquiries related to identity theft are as follows : Please remove inquiries below 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 XXXXXX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), 1 have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted.

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ).

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

Sincerely, 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing 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 claim adequately. They informed me that recovering lost funds was impossible and 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 users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Equifax XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Reinvestigation of Identity Fraud Complaints XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and 15 USC 1692 ( g ) Dear Equifax, XXXX, XXXX, and XXXX I am writing to request a reinvestigation of the identity fraud complaints I previously filed with the Consumer Financial Protection Bureau ( CFPB ), which are governed by the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681, as well as by 15 USC 1666 and 15 USC 1692 ( g ), which regulate fraudulent reporting and debt collection practices. 
On XX/XX/XXXX and XXXX, XXXX, I reported that I was a victim of identity fraud, which has resulted in inaccurate or unauthorized information being included in my credit file. Despite my efforts to resolve this issue, I have not seen an adequate resolution or correction of the fraudulent entries. 
Under the Fair Credit Reporting Act ( FCRA ), you are obligated to conduct a thorough reinvestigation when fraudulent activity is reported. Specifically : 1. 15 USC 1681- Fair Credit Reporting Act : Requires you to investigate any disputes I raise regarding inaccurate information in my credit file, particularly information that resulted from identity theft or fraud.

2. 15 USC 1666 - Billing Errors : Prohibits creditors from continuing to collect on fraudulent accounts or charges stemming from identity theft.

3. 15 USC 1692 ( g ) - Debt Collection Practices : Requires debt collectors to provide proper validation of debts, including ensuring that those debts are not a result of identity fraud.

I kindly request the following : 1. A comprehensive and prompt reinvestigation of the disputed fraudulent entries related to my identity theft.

2. A detailed explanation of the steps taken to investigate these fraudulent accounts and remove them from my credit report.

3. Immediate correction or removal of any inaccurate information found during your reinvestigation, in accordance with my rights under the law.

4. Documentation of any communication or steps taken by the debt collectors or creditors involved in this fraud to rectify the situation.

Please inform me of the outcome of your reinvestigation as soon as possible and provide a written explanation of the actions taken to resolve this matter. 
If you require any additional information or documentation to assist with your investigation, please do not hesitate to contact me at ( XXXX ) XXXX or XXXX. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief