vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: AR

Complaint narrative:
Unauthorized Inquires and fraud. I never authorized these companies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-02-12 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: Premium Credit Bureau
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Removal PREMIUM CREDIT BUREAU XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX Inquiry Date : XXXX XXXX, XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act. 
Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Against Experian for Inaccurate Credit Reporting Dear Sir/Madam , My name is XXXX XXXX XXXX and I reside at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I am writing to file a formal complaint against Experian for continuing to report inaccurate information on my credit report, despite having previously disputed these inaccuracies. 

In my initial complaint, I stated that Experian was not following the Fair Credit Reporting Act ( FCRA ). I had disputed several items on my credit report, including incorrect dates, amounts, missing payment history, and missing payments. I clearly marked these discrepancies and provided supporting evidence to Experian. 

However, instead of correcting the inaccurate information, Experian sent disputes to all of my credit card companies, causing them to close my accounts. As of today, XXXX, the following accounts have been affected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never disputed any of my accounts themselvesonly the incorrect information on these accounts. I have never missed a payment on these cards. Experian 's actions have caused serious financial consequences and unnecessary mental anguish, as I now need to take additional time to write letters, send identification, and go through the cumbersome process of correcting errors that should have been resolved initially. 

I am requesting immediate correction of the inaccuracies on my credit report and the reversal of all actions taken by Experian that have negatively impacted my credit accounts. This includes contacting my credit card companies and ensuring the reopening of any closed accounts that were improperly affected by these disputes. 

I expect prompt attention to this matter and a clear response outlining the steps being taken to correct the errors. 

Thank you for your time and assistance. 

Sincerely, 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
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing a formal complaint regarding multiple inaccuracies and unfair negative reporting practices on myDespite my attempts to dispute these errors directly with the credit bureau, the disputed accounts have not been acted upon : Despite my previous disputes with Experian, they have failed to provide satisfactory responses or remove uThese errors are negatively impacting my credit score and my ability to secure financial opportunities. I reqand take appropriate regulatory action to ensure compliance with credit reporting laws.

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 2025-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Hello, before I applied for a card I spoke with their customer service to ensure that I would be able to get a balance transfer with my card selection. I confirmed not once, but twice the ability for me to do a balance transfer with this card which they confirmed yes. I then applied for the card and got it, but they will not allow me to do the transfer. Not because I am not eligible, or approved, but because they do not do it for this card. Now I am stuck with the hard ping on my credit report which I can not undo, and they can not undo. It was clear and blatant lying, deceiving, and false advertising on their part which I the customer am now having to deal with the negative effects.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: NC

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-12 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 filing a complaint regarding multiple overdraft fees applied to my account. Despite having sufficient funds at the time the transactions were authorized, I was charged overdraft fees due to delays in the posting of charges and credits.

This situation mirrors the recent findings by the CFPB regarding Navy Federals practices, where overdraft fees were assessed on transactions that settled with insufficient balances, even though funds were available when the transactions were initiated. 

I believe these practices are unfair and respectfully request an investigation into my account and the specific transactions in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: OH

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-02-11 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:
As requested by my financial advisor I'm filing this complaint for the 3rd time. I am a victim of identity theft. There is a chase bank account reporting on my account for 8 years now. According to my credit report a " XXXX XXXX '' was opened on XX/XX/XXXXXXXX  with a {$22000.00} credit limit. As of XX/XX/XXXX the current balance is {$22000.00}. I am very frustrated with the effect it has on 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
Consumer complaint received 2025-02-11 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:
As requested by my financial advisor I'm filing this complaint for the 3rd time. I am a victim of identity theft. There is a chase bank account reporting on my account for 8 years now. According to my credit report a " XXXX XXXX '' was opened on XX/XX/XXXXXXXX  with a {$22000.00} credit limit. As of XX/XX/XXXX the current balance is {$22000.00}. I am very frustrated with the effect it has on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: NY

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Here I attach, along with the dispute, my fraud report that I just sent to the bureaus for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Subject : Formal Notice of FDCPA Violations & Intent to File Legal Action** Dear PORTFOLIO RECOV ASSOC I am writing to formally notify you of multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) in connection with the collection of the alleged debt referenced in your communications. 

Specifically, I am citing the following violations under the United States Code : 1. **15 U.S.C. 1692k ( a ) ( 2 ) ( A ) ** - This section outlines the damages that can be recovered for violations of the FDCPA, including actual damages and additional damages not exceeding {$1000.00}.

2. **15 U.S.C. 1692k ( a ) ( 3 ) ** - This section provides for the recovery of reasonable attorney fees and costs incurred in the action.

3. **15 U.S.C. 1692d** - This section prohibits debt collectors from engaging in conduct that is abusive, harassing, or oppressive. 

4. **15 U.S.C. 1692e** - This section prohibits false or misleading representations in connection with the collection of a debt. 

I believe that your actions constitute violations of these provisions, which include but are not limited to harassment via phones, letters threatening to sue, and fraudulent charges thats been proven valid. Reporting to credit bureau of false validation. 

Please consider this letter as my formal intent to file legal action against you if these violations are not addressed promptly. I request that you cease all collection activities related to this matter and provide a written response within [ insert a reasonable timeframe, e.g., 30 days ] acknowledging this notice and outlining how you intend to rectify the situation. 

Failure to respond appropriately will leave me with no choice but to pursue legal remedies available to me under the FDCPA. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Checkbook Inc
State: PA

Complaint narrative:
I received checks from them and they never answered to verify with the bank so my account is closed due to suspicious of fraud because they dont answer!! 

Consumer Financial Protection Bureau XXXX # XXXX In reference to the XXXX check deposits for {$470.00} and {$700.00}, we ask that you contact the check makers and ask that they call our XXXX XXXX XXXX XXXX XXXX XXXX, option XXXX, from a verifiable number to attempt to validate the checks. They may also file claims to attempt to recover the funds from XXXX as needed. 
Thanks for your inquiry. We'd like you to know that it's important to us and we appreciate the opportunity to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: FL

Complaint narrative:
To Whom It May Concern, I am formally disputing specific inaccurate, unverifiable, and potentially outdated information currently being reported on my credit file. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to ensure that all information listed on my credit report is 100 % accurate, verifiable, and complete.

Upon reviewing my credit report, I have identified several questionable items that do not meet the required standard of accuracy or verification. Your agency is obligated, under 15 U.S. Code 1681e ( b ), to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. Furthermore, under 15 U.S. Code 1681i ( 5 ), if an item is found to be inaccurate, incomplete, or unverifiable after a reinvestigation, it must be promptly deleted or corrected, and the furnisher must be notified of the modification or removal.

As per recent updates in XXXX regarding consumer rights under the FCRA, credit reporting agencies are expected to : Provide clear and accessible evidence of verification upon consumer request.

Ensure third-party data furnishers comply with accuracy and timeliness regulations.

Adhere to stricter timelines for dispute resolution to prevent prolonged negative impacts on consumers.

Given these legal requirements, I am requesting the immediate reinvestigation and correction of the following disputed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you are unable to provide me with documented, verifiable proof that the disputed information is 100 % accurate, within 15 days of this request, you are required by law to delete or correct the erroneous data. Failure to comply with these legal obligations may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or taking legal action for noncompliance with federal regulations. 

I appreciate your prompt attention to this matter and expect to receive written confirmation of the corrections made. Please provide all relevant details of your investigation and any documentation used to verify the disputed information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am formally disputing specific inaccurate, unverifiable, and potentially outdated information currently being reported on my credit file. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to ensure that all information listed on my credit report is 100 % accurate, verifiable, and complete.

Upon reviewing my credit report, I have identified several questionable items that do not meet the required standard of accuracy or verification. Your agency is obligated, under 15 U.S. Code 1681e ( b ), to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. Furthermore, under 15 U.S. Code 1681i ( 5 ), if an item is found to be inaccurate, incomplete, or unverifiable after a reinvestigation, it must be promptly deleted or corrected, and the furnisher must be notified of the modification or removal.

As per recent updates in XXXX regarding consumer rights under the FCRA, credit reporting agencies are expected to : Provide clear and accessible evidence of verification upon consumer request.

Ensure third-party data furnishers comply with accuracy and timeliness regulations.

Adhere to stricter timelines for dispute resolution to prevent prolonged negative impacts on consumers.

Given these legal requirements, I am requesting the immediate reinvestigation and correction of the following disputed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you are unable to provide me with documented, verifiable proof that the disputed information is 100 % accurate, within 15 days of this request, you are required by law to delete or correct the erroneous data. Failure to comply with these legal obligations may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or taking legal action for noncompliance with federal regulations. 

I appreciate your prompt attention to this matter and expect to receive written confirmation of the corrections made. Please provide all relevant details of your investigation and any documentation used to verify the disputed information. 

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 2025-02-12 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: NC

Complaint narrative:
Company has reported inaccurate, unverifiable and information associated with identity theft to my report without proper furnishings.

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 2025-02-12 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: VA

Complaint narrative:
Transunion is deliberately not in Compliance with bankruptcy court Rule 9037 of the Federal Rules of Civil Procedure.

Transunion continue to disregard CFPB advisory on name only matching.

Transunion refused to follow 15 U.S.C. 1681e ( b ).

Multiple letters were sent and Transunion refused to follow the laws.

TansUnion must delete the bankruptcy for none compliance.

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