vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Letter to Equifax Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear Equifax XXXX XXXX am writing to formally dispute inaccurate and/or incomplete information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. I request that you investigate and resolve the following discrepancies : XXXX XXXX Account Reported Amount : {$XXXX} Date of Opening : ( Details unavailable in provided report ) XXXX XXXX Account Number : XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXX XXXX XXXX Account Number : XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX 

Account Number : XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXX Late Payments XXXX XXXX XXXX XXXX payments reported Balance : {$XXXX} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX late payments reported Balance : {$XXXX} Date Opened : XX/XX/XXXXXXXX XXXX  XXXX late payment XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXX Additional Accounts from Equifax Report XXXX Bank XXXX Account XXXX XXXX XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX {$XXXX} Date Opened : XX/XX/XXXX XXXX Auto Finance Account Number : XXXX XXXX XXXX {$XXXX} Date Opened : XX/XX/XXXX XXXX XXXX  Account Number : XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXX XXXX Bank Account Number : XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXX XXXX Card Services Account Number : XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXX XXXX Card Services Account Number : XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXX XXXX Mortgage Account Number : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX  Credit Account Number : XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXX XXXX XXXX Account Number : XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXX I have attached supporting documentation to assist with your investigation. 

I request that Equifax : XXXX a thorough investigation into these matters. 

Correct or delete the inaccurate information as appropriate. 

Provide me with a copy of the updated credit report reflecting these changes. 

Please note that FCRA requires you to resolve this dispute within 30 days. If additional documentation is needed, please contact me immediately at the address above. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your actions to resolve these issues. 

Sincerely, XXXX All Rights Reserved XXXX Prejudice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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:
Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct.

You guys know its against the laws that protect us consumers to report any info or accounts that have-not been proven to be 100 % accurate!

In the FCRA I read that everything has to be 100 % accurate on my credit file under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate for this violation I can easily get {$3000.00} in a lawsuit against your company!! 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-01-28 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: OH

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported XXXX  % correct. 

You guys know its against the laws that protect us consumers to report any info or accounts that have-not been proven to be XXXX  % accurate! 

In the FCRA I read that everything has to be XXXX  % accurate on my credit file under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting XXXX  % accurate for this violation I can easily get {$XXXX} in a lawsuit against your company!! 

Account Name : XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX -DATE OPENED XX/XX/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 2025-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Resolution Corporation
State: MO

Complaint narrative:
Requested verification of the debt with debt collectors

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: John C. Heath, Attorney at Law, PLLC
State: OH

Complaint narrative:
Lexington Law was supposed to help me clean up my credit and they did not. They took my money and did not do the job.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: SC

Complaint narrative:
I came across the CFPB XXXX lawsuit. 
I feel I was negatively impacted, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''.

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 2025-01-28 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: UT

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX CARD # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX Account Name : Federal # XXXX Account XXXX : XXXXXXXX XXXX XXXXXXXX # XXXX Account XXXX : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX # XXXX Account Name : Federal # 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 2025-01-28 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 2025-01-28 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:
To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

Experian failed to : 1. Conduct a thorough reinvestigation of disputed accounts or items.

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, my next steps were to file with CFPB directly.

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 
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 2025-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I signed up for Mohela auto-pay on XX/XX/XXXX. That same day, I received a message from Mohela stating, " Your request to enroll in XXXX XXXX has been received. Please allow XXXX business days for processing. '' However, when my bill came due on XX/XX/XXXX, XXXX ( XXXX ) XXXX XXXX later, Mohela failed to enroll me in autopay as it promised. This resulted in my missing my payment due date and my account becoming past due. I sent a message to Mohela trying to resolve this issue on XX/XX/XXXX, but Mohela just responded with non-specific information about how its auto-pay process works generally. Mohela 's gross failure to provide any semblance of service to its customers is appalling. Indeed, to date, I have still not been enrolled in autopay, XXXX business days later. Mohela has failed to appropriately resolve this issue by forgiving the late payment and not enforcing any fees, interest, and other negative repercussions as a result of its failure to timely implement my autopay request. Further, Mohela has failed to adjust the interest on my loans that I would have saved if if I had been enrolled in auto-pay as of the date of my XX/XX/XXXX request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I noticed this account it do not belongs to me it is hurting my credit

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 2025-01-28 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: TX

Complaint narrative:
Helvey & AssociatesAttention : Compliance Department XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Communication Regarding Account # XXXX Dear Helvey & Associates, This letter serves as formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that I request you immediately cease all communication with me regarding the alleged debt associated with Account # XXXX. 

You are hereby instructed not to contact me via phone, email, postal mail, or any other form of communication. Additionally, you are prohibited from contacting any third parties regarding this matter. All further communication must be limited to written correspondence confirming that you have ceased collection efforts or that you intend to take specific legal action. 

Failure to comply with this request will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and the Attorney Generals office for violations of the FDCPA. 

I reserve all rights under state and federal law, including the right to take legal action if necessary. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX All Rights Reserved Without Prejudice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: WI

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Request for Immediate Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ) ** Dear Equifax Customer Service, I am writing to formally request the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries appearing on my credit report as a result of identity theft caused by the Equifax data breach. Pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this information upon receipt of notice and supporting documentation. 
The accounts and inquiries in question include the following : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 To facilitate your investigation, I have enclosed the following documents : A copy of my government-issued ID Proof of address A copy of a police report or FTC Identity Theft Report This breach of personal information has caused significant harm, and I expect Equifax to fulfill its legal obligation to protect affected consumers by taking swift and decisive action to address these fraudulent entries. I demand written confirmation that these accounts and inquiries have been permanently removed from my credit report, along with details of any findings from your investigation. 
Failure to act promptly will result in my escalating this matter to the Consumer Financial Protection Bureau ( CFPB ), state attorneys general, and other relevant authorities to ensure my rights are upheld. 
Please confirm receipt of this letter and provide a resolution within the timeframe mandated by federal law. Should you require further information, I can be reached at the information above. 
Sincerely, XXXX XXXX DOB:XXXX  Enclosures ID Proof of Address SSC FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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:
It has come to my attention that my personal information has been exposed in a XXXX XXXX XXXX. After reviewing my credit reports, I am not familiar with them. I have asked the CRAs for debt validation ; however, the information has not been provided. Due to my information being exposed, I have submitted an FTC report complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, and a copy of the XXXX report showing my information has been exposed in a national database and a validation of debt letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
account XXXX account balance : {$330.00} To Whom It May Concern : I am writing in reference to the collection account reported on my credit file associated with the account number mentioned above. This account is negatively impacting my credit profile, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to request validation of this debt and to demand that you cease all communication with me regarding this matter. Pursuant to 15 U.S.C. 1692g, I request that you provide the following information to validate this debt : 1. The name and address of the original creditor.

2. A copy of the signed agreement or contract that allegedly obligates me to pay this debt.

3. A complete account history, including all charges, payments, and credits applied to the alleged debt.

4. Documentation showing that you have the legal right to collect on this debt.

Until this information is provided, I demand that this collection account be removed from my credit report as reporting inaccurate or unverifiable information violates 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ). Additionally, under 15 U.S.C. 1692c ( c ), you are hereby notified to cease and desist all communication with me regarding this matter. Any further attempts to contact me will be considered a violation of federal law.

I expect written confirmation that this collection account has been removed from my credit report and that you have ceased all collection efforts. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. Please delete the following account XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: AZ

Complaint narrative:
Dispute of False Closed Accounts on Credit Report Due to Identity Theft Dear CFPB, I am writing to formally dispute the inclusion of several false closed accounts on my credit report. These accounts are inaccurate and result from identity theft, which I have been a victim of since 1998. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have no knowledge of these accounts, and their presence on my credit report is causing significant harm to my creditworthiness and financial reputation. I strongly suspect these inaccuracies are linked to the ongoing identity theft issues I have faced over the years. 
I request your immediate intervention to investigate these false accounts and ensure their removal from my credit report. Additionally, I urge you to work with Experian and the relevant financial institutions to rectify these errors and implement stronger protections to prevent further misuse of my personal information. 
If these inaccuracies are not resolved promptly, I will consider pursuing legal action to enforce my rights under the Fair Credit Reporting Act. 
Thank you for your attention to this urgent matter. I look forward to your prompt response confirming the removal of these disputed accounts 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 explanation