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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: Security Credit Services, LLC
State: TX

Complaint narrative:
One again a account that doesnt belongs to me appeared on my credit report out of no where for the second time and XXXX  allowing this

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 is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Paid off car and it was reporting payment history monthly until I paid it off and then it disappeared from all 3 credit bureaus. Now there is no history that I ever had an account with 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 is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Paid off car and it was reporting payment history monthly until I paid it off and then it disappeared from all 3 credit bureaus. Now there is no history that I ever had an account with 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 — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Paid off car and it was reporting payment history monthly until I paid it off and then it disappeared from all 3 credit bureaus. Now there is no history that I ever had an account with 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc.
State: AZ

Complaint narrative:
I have repeatedly requested more information on what specifically the debt is, who the original collector is, and why they think it's mine to pay. At every step I have been brushed off and still have literally no information on what this debt is all about or why they think the debt is mine. 

I've been called and emailed relentlessly by employees unwilling to discuss any details with me and in a way that comes across so much like a scam that I had to do a good deal of research just to confirm this is a real debt collection company.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Someone opened up a XXXX XXXX credit card in my name and ran up a balance, I have not had any accounts with XXXX XXXX, nor have I did any applications. I would like for this to be investigated and removed from my credit profile immediately. The account is XXXX XXXX XXXX XXXX is the account number shown 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 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 — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

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 with a lender or other company charging your account — Transaction was not authorized
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
XXXX / XX/XX/year>, ZELLE XXXX XXXX XXXX XXXX transferred unauthorized funds from my XXXX XXXX XXXX personal checking account. 

ZELLE XX/XX/year> ( unauthorized transaction : {$420.00} ) ZELLE XX/XX/year> ( unauthorized transaction : {$920.00} ) ZELLE XX/XX/year> ( unauthorized transaction : {$1600.00} ) Contacted XXXX XXXX XXXX  with fraudulent checking account transaction issue. They responded that they could do nothing to recover stolen funds. XXXX XXXX XXXX since then has prevented any future illegal transactions. 

Regards

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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I have tried to get my credit good for a long time XXXX XXXX have things on my credit that I've tried to dispute I submit information and they refuse to look at it or do anything they or the people have inaccurate information like a car that was paid off by the dealership Santander was the credit union that I got the original one from then I got a different vehicle and traded the other one in it was paid off but I was unaware that it was showing on my credit report that it had never been paid off I have the proof that receipt of the check from the dealership then my child support shows it was taken off my credit because it was paid off then it was put back on my credit like none of it makes any sense I've had my kids in my custody for the past 10 years and it makes it very difficult to to live when everything is based on credit when a basic everyday person can't even get housing or a car loan because all these discrepancies are on your credit report and there's nothing you can do because you're just sent in circles

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried to get my credit good for a long time Equifax XXXX have things on my credit that I've tried to dispute I submit information and they refuse to look at it or do anything they or the people have inaccurate information like a car that was paid off by the dealership XXXX was the credit union that I got the original one from then I got a different vehicle and traded the other one in it was paid off but I was unaware that it was showing on my credit report that it had never been paid off I have the proof that receipt of the check from the dealership then my child support shows it was taken off my credit because it was paid off then it was put back on my credit like none of it makes any sense I've had my kids in my custody for the past 10 years and it makes it very difficult to to live when everything is based on credit when a basic everyday person can't even get housing or a car loan because all these discrepancies are on your credit report and there's nothing you can do because you're just sent in circles

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX Maryland XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX TX XXXX Request to Remove Unauthorized or Unverified Inquiries from My Credit Report Dear XXXX, I am writing to dispute certain inquiries appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure the accuracy and legitimacy of the information reported about me. Specifically, I am invoking the following statutes : 1. 15 U.S.C. 1681b ( 2 ) : This statute outlines permissible purposes for accessing a consumer 's credit report. An inquiry can only be made if there is proper authorization from the consumer.

2. 15 U.S.C. 1681 ( 9 ) : This Section ensures that the credit inquiries and information reported must have a clear and valid basis.

3. 15U.S.C. 1681c-2 : This provision allows for the blocking of inaccurate or fraudulent information resulting from identity theft. 

After reviewing my credit report, I found the following inquiries that I do not recognize and/or did not authorize XXXX XXXX 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 hereby request that XXXX  provide verification of the permissible purpose for each of these inquiries, including documented evidence of my consent. If you are unable to provide such evidence, I request the immediate deletion of these inquiries from my credit report as they are in violation of the above cited statues. 

In accordance with the FCRA, please complete this investigation within the legally required 30 day period and provide me with written confirmation of the results. If these inquiries are not addressed or removed, I will consider pursuing further action to protect my rights under federal law. 

Thank you for your prompt attention to this matter. I look forward to response. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX Maryland 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX Maryland XXXX XX/XX/25 XXXX XXXX XXXX XXXX XXXX TX XXXX Request to Remove Unauthorized or Unverified Inquiries from My Credit Report Dear XXXX, I am writing to dispute certain inquiries appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure the accuracy and legitimacy of the information reported about me. Specifically, I am invoking the following statutes : 1. 15 U.S.C. 1681b ( 2 ) : This statute outlines permissible purposes for accessing a consumer 's credit report. An inquiry can only be made if there is proper authorization from the consumer.

2. 15 U.S.C. 1681 ( 9 ) : This Section ensures that the credit inquiries and information reported must have a clear and valid basis. 

3. 15U.S.C. 1681c-2 : This provision allows for the blocking of inaccurate or fraudulent information resulting from identity theft. 

After reviewing my credit report, I found the following inquiries that I do not recognize and/or did not authorize XXXX XXXX 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 hereby request that XXXX  provide verification of the permissible purpose for each of these inquiries, including documented evidence of my consent. If you are unable to provide such evidence, I request the immediate deletion of these inquiries from my credit report as they are in violation of the above cited statues. 

In accordance with the FCRA, please complete this investigation within the legally required 30 day period and provide me with written confirmation of the results. If these inquiries are not addressed or removed, I will consider pursuing further action to protect my rights under federal law. 

Thank you for your prompt attention to this matter. I look forward to response. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX Maryland XXXX

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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint to address a serious issue involving two fraudulent XXXX XXXX accounts that have been improperly reinserted into my credit report by Experian. In XXXX, when I reviewed my credit report, these accounts were not present, as they had been previously removed after being identified as fraudulent. However, my most recent credit report now shows these accounts have been reinserted, and I have not received the written notification required under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 5 ) ( B ). This failure to provide proper notification is a clear violation of my consumer rights. These XXXX XXXX accounts were allegedly opened without my authorization and are fraudulent. Experian previously acknowledged this by removing the accounts. I believed the issue had been resolved, but their unexpected reinsertion has caused me significant distress and confusion. By failing to follow the legal requirements for reinsertion and ensuring the accuracy of my report, Experian has violated my rights under the FCRA. I respectfully request the Consumer Financial Protection Bureau to investigate this matter thoroughly.

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: 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 formally file a complaint regarding multiple overdraft fees applied to my account. Theses fees were assessed despite having sufficient funds available at the time the transaction 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 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: SC

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 the 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's 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 claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's 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. 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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