vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 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: VA

Complaint narrative:
I am writing to formally dispute a fraudulent account that appears on my credit report. The fraudulent account is Account Name : XXXX XXXX XXXX Account Number : XXXX After reviewing my credit report, I noticed this account listed under my name, and it has been opened without my authorization. This is a case of identity theft, and I request that this fraudulent account be immediately removed from my credit report. 

Please investigate this matter and remove the fraudulent account from my credit file. I have attached supporting documentation to assist in verifying my claim which is a FTC IDENTITY THEFT 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 2025-02-24 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: IL

Complaint narrative:
After recently checking my Equifax credit report I noticed that there were inquiries had no knowledge and did not authorize. Those inquires are XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX AND XXXX XX/XX/XXXX. I attached a copy of my driver 's license and social security card as proof of identity, my utility bill as proof of residence and a copy on the identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
Dear representative of CFPB On XX/XX/scrub>XXXX XXXX XXXX we sent XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) The Total amount paid in US $ was XXXX USD, including {$40.00} Western Union Fee.

I checked Exchange rate on Sunday and for XXXX XXXX, it showed the amount {$510.00} on Western Union website. 
If I remember exactly pay rate XXXXXXXX XXXX XXXX XXXX USD On Saturday exchange pay rate was XXXX XXXX USD, lower than Sunday!! 
Thus we were OVERCHARGED in the amount {$570.00}. 
Tracking number was : XXXX. 
I called customer service on Sunday, XX/XX/XXXX, but she was not able to solve this matter. 
Thank you XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: UT

Complaint narrative:
Hello, i'm contacting you about my issue with XXXX XXXX XXXX XXXX. In XXXX XXXX XXXX XXXX i received multiple fraud charges that made me go into the negative. I reported this to XXXX XXXX XXXX XXXX. It took XXXX days and when I came back, they said they could not prove it was me and could not prove it wasn't me, so they're keeping the charges. I told him I refused to pay fraud charges. The pure factor that they couldn't prove it. Was me because it wasn't proves that it was fraud charges. This has been affecting my credit for years.It affects the loans I can get.I get denied because of it. I need this taken off my credit report completely. As this was fraud, and this was unfair to tank my credit when they were fraud charges, and it's affecting my life years and years later. I've reported this to transunion XXXX XXXX and XXXX both have denied. 
My dispute. According to my new bank that I'm trying to get along for it, says on my credit report that I'm aware of the charges and I'm paying {$39.00} a month to them. However, I don't even know what debt collector has it the total is XXXX. It's been years.This should be off my credit report and no longer affecting my life. These were fraud charges, and they didn't even do a proper investigation. Even if I decided to pay the fraud charges, I don't even know what that collector has it. This is gone long enough, affecting my life.

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 2025-02-24 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: UT

Complaint narrative:
Hello, i'm contacting you about my issue with XXXX XXXX XXXX XXXX. In XXXX XXXX XXXX XXXX i received multiple fraud charges that made me go into the negative. I reported this to XXXX XXXX XXXX XXXX. It took XXXX days and when I came back, they said they could not prove it was me and could not prove it wasn't me, so they're keeping the charges. I told him I refused to pay fraud charges. The pure factor that they couldn't prove it. Was me because it wasn't proves that it was fraud charges. This has been affecting my credit for XXXX affects the loans I can get.I get denied because of it. I need this taken off my credit report completely. As this was fraud, and this was unfair to tank my credit when they were fraud charges, and it's affecting my life years and years later. I've reported this to XXXX XXXX XXXX and Equifax both have denied. 
My dispute. According to my new bank that I'm trying to get along for it, says on my credit report that I'm aware of the charges and I'm paying {$39.00} a month to them. However, I don't even know what debt collector has it the total is XXXX. It's been years.This should be off my credit report and no longer affecting my life. These were fraud charges, and they didn't even do a proper investigation. Even if I decided to pay the fraud charges, I don't even know what that collector has it. This is gone long enough, affecting my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX Experian XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX, GA XXXX Subject : Formal Demand for Correction of Inaccurate Reporting Under the FCRA To Whom It May Concern, I am writing to formally demand that Experian and XXXX take immediate corrective action regarding the inaccurate reporting on my XXXX XXXX XXXX XXXX account ending in XXXX. I have repeatedly disputed the erroneous reporting of a late payment, as I have never been late or delinquent on this account. Despite my numerous dispute letters, both Experian and Equifax have failed to provide the required proof of the verification process or the complete details of any investigation conducted, as mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Under the FCRA, credit reporting agencies are legally obligated to investigate consumer disputes thoroughly and provide proper verification of any disputed account information. Failure to do so constitutes a violation of my rights under the law. Given Experian 's and Equifax 's failure to meet these legal obligations, I am demanding the following corrective actions : Update my XXXX XXXX XXXX XXXX account ending in XXXX to reflect " Paid as Agreed '' with no late or delinquent payments. 

Provide written confirmation that these changes have been made and that the inaccurate late payment notations have been permanently removed from my credit file. 

If Experian and Equifax fail to comply with this demand within 15 days of receipt, I will have no choice but to pursue all available legal remedies and initiating legal action for violation of my rights under the FCRA. 

I expect your prompt attention to this matter. Please confirm in writing once the necessary corrections have been made. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair credit Reporting Act ( FCRA ), 15 USC 1681970 credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in lending Act ( TILA ), 15 USC 1601. It's is imperative that all credit information provided is accurate and transparent to protect consumer rights. 

Bellow are the details of the disputed accounts : XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- --

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 2025-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: GA

Complaint narrative:
After multiple Requests for Principal only payment dated XX/XX/year> of {$33000.00} to be applied to principal only as listed on check and illegal foreclosure was started prior to the deadline for loan modification workout application option expiration date and ad ran in local newspaper prior to workout package deadline. In addition to excessive unauthorized corporate advances that have not been billed not agreed upon. When requested an detailed statement of each charged corporate advance. Company refused to provide details and will not honor written dispute of corporate advances. In addition, company welcome letter upon the illegal transfer of the mortgage balance listed {$3300.00} XXXX complete balance owed not company has added a principal balance due from a previously forgiven principal balance that occurred during a making home affordable permanent modification that occurred prior to this company acquiring this mortgage. As of today company has still failed to apply my principal only payment to Principal only as directed. Which would payoff full mortgage balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I rented a vehicle from a rental car company and was charged XXXX for a deposit. The paperwork I received and the paperwork I provided navy federal show that. The deposit unbeknownst to me was billed as a charge. I returned the car in the drop off and I did not receive any paperwork showing no damages but the vehicle was not damaged and was returned with a full tank of gas. I tried to reach out to the company and was provided an email address to send complaints or concerns and there was no response. I informed my bank of the fact that the company charged this and they did not accept nor review evidence and refused to reimburse my card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Remove these inquiries, these are not my inquiries.

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 2025-02-24 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: PA

Complaint narrative:
I am contacting you to address concerns regarding multiple issues I have encountered with the credit bureau. These include incorrect account listings, inaccurate credit reporting, billing errors, and accounts that do not belong to me.

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 2025-02-24 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: PA

Complaint narrative:
I am contacting you to address concerns regarding multiple issues I have encountered with the credit bureau. These include incorrect account listings, inaccurate credit reporting, billing errors, and accounts that do not belong to me.

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 2025-02-24 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: LEXISNEXIS
State: TX

Complaint narrative:
LEXIS NEXIS IS REPORTING FRAUDULENT INFORMATION TO XXXX, XXXX, AND XXXX AND ALSO STORING FRAUDULENT DATA IN THEIR SYSTEM UNDER MY PERSONAL INFORMATION. DEMANDING THE SHARING OF ANY INFORMATION UNDER SECTION 15 USC 1692CC. THE CHAPTER 13 INFORMATION BEING SHARED IS FRAUD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: DC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Per 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. 

Account Name : LVNV Funding LLC has violated my rights. 

I looked at my XXXX credit report on XX/XX/year>, and noticed things are incomplete and inaccurate. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681i 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My boa checking account was closed on XXXX. I called today to find out when my bank account will be closed and also when I can get my check. But they didn't send me a definite time. I hope i can get my check soon.

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 monetary relief
Consumer complaint received 2025-02-24 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: GA

Complaint narrative:
I recently reviewed my credit reports from Equifax, TransUnion, and Experian and identified multiple inaccuracies, including unauthorized inquiries, outdated account information, and accounts that I have closed but have not been properly updated. 

1. Unauthorized Inquiries The following companies have placed inquiries on my credit report without my authorization. I did not apply for credit with these companies, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ) : XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX, XXXX. 
XXXX XXXX XXXX 2. Outdated/Inaccurate Account Information I have done business with the following companies, but they have failed to update my account with accurate information. I request that my records be corrected to reflect my current standing, including correct balances, payment history, and account status : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. Closed Accounts Not Properly Updated I have previously closed accounts with the following companies, yet my credit report still reflects them as open or active. I request that my records be updated to reflect their closed status : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX  I have attempted to resolve these issues directly with the credit bureaus and the companies involved, but I have not received a satisfactory resolution. Please investigate this matter and take appropriate action to correct my credit report. 

Thank you for your time and assistance. I appreciate your prompt attention to this 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 non-monetary relief
Consumer complaint received 2025-02-24 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: GA

Complaint narrative:
I recently reviewed my credit reports from Equifax, TransUnion, and Experian and identified multiple inaccuracies, including unauthorized inquiries, outdated account information, and accounts that I have closed but have not been properly updated. 

1. Unauthorized Inquiries The following companies have placed inquiries on my credit report without my authorization. I did not apply for credit with these companies, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ) : XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX, XXXX. 
XXXX XXXX XXXX 2. Outdated/Inaccurate Account Information I have done business with the following companies, but they have failed to update my account with accurate information. I request that my records be corrected to reflect my current standing, including correct balances, payment history, and account status : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. Closed Accounts Not Properly Updated I have previously closed accounts with the following companies, yet my credit report still reflects them as open or active. I request that my records be updated to reflect their closed status : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX  I have attempted to resolve these issues directly with the credit bureaus and the companies involved, but I have not received a satisfactory resolution. Please investigate this matter and take appropriate action to correct my credit report. 

Thank you for your time and assistance. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief