vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: IL

Complaint narrative:
It has come to my attention. My personal information has been exposed in the national data breach reviewing my credit report reports I noticed some accounts I am unfamiliar with. I have asked the CRA for validation of debt however, the information has not been provided due to my information being exposed, I have submitted a FTC complaint reporting the information. I am not familiar with.

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 2025-02-04 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: CA

Complaint narrative:
Subject : **Demand for Immediate Deletion of Inaccurate Credit Reporting for XXXX XXXX To Whom It May Concern, I am writing to demand the immediate deletion of my XXXX accounts ( Account Numbers : XXXX and XXXX ) from my credit reports maintained by Experian, TransUnion, and Equifax. The inaccuracies present in these reports clearly violate the Fair Credit Reporting Act ( FCRA ), specifically under 602, 606, and 611, which require credit reporting agencies to ensure accurate reporting and rectify errors promptly.

# # # Inconsistencies Identified : 1. **Account Status Discrepancies** : - TransUnion shows the account status as **Closed** for both accounts, while Experian and Equifax report conflicting statuses . This inconsistency is unacceptable and violates FCRA 607, which mandates maximum accuracy in reporting.

2. **Payment Status Issues** : - Both accounts are marked as **Charged Off** ; however, the last payment dates are inconsistent across the bureaus, which further complicates my credit profile. This lack of consistency violates FCRA 607.

3. **Balance Reporting** : - The accounts reflect varying balances across the agencies, which is misleading and undermines the integrity of my credit report. This discrepancy is a clear violation of FCRA requirements for accuracy and completeness.

4. **Last Reported Dates** : - The last reported dates differ between the bureaus, creating further inaccuracies that compromise my creditworthiness. 

Given the severity of these violations and the harm they cause to my credit profile, I demand the immediate removal of these XXXX accounts from my credit report. If these inaccuracies are not corrected within the legally mandated time frame, I will explore all available legal remedies, including seeking damages for the harm caused by these reporting errors. 

I am also aware of the recent data breach affecting these credit reporting agencies, which further raises concerns about the security and integrity of consumer data. Under U.S. Code 1030, organizations are required to implement adequate measures to protect consumer data, and failure to do so necessitates immediate corrective action. 

Please acknowledge receipt of this complaint and inform me of any actions taken to rectify these serious issues. Thank you for 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 explanation
Consumer complaint received 2025-02-04 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:
Subject : **Demand for Immediate Deletion of Inaccurate Credit Reporting for XXXX XXXX To Whom It May Concern, I am writing to demand the immediate deletion of my XXXX accounts ( Account Numbers : XXXX and XXXX ) from my credit reports maintained by Experian, TransUnion, and Equifax. The inaccuracies present in these reports clearly violate the Fair Credit Reporting Act ( FCRA ), specifically under 602, 606, and 611, which require credit reporting agencies to ensure accurate reporting and rectify errors promptly.

# # # Inconsistencies Identified : 1. **Account Status Discrepancies** : - TransUnion shows the account status as **Closed** for both accounts, while Experian and Equifax report conflicting statuses . This inconsistency is unacceptable and violates FCRA 607, which mandates maximum accuracy in reporting.

2. **Payment Status Issues** : - Both accounts are marked as **Charged Off** ; however, the last payment dates are inconsistent across the bureaus, which further complicates my credit profile. This lack of consistency violates FCRA 607.

3. **Balance Reporting** : - The accounts reflect varying balances across the agencies, which is misleading and undermines the integrity of my credit report. This discrepancy is a clear violation of FCRA requirements for accuracy and completeness.

4. **Last Reported Dates** : - The last reported dates differ between the bureaus, creating further inaccuracies that compromise my creditworthiness. 

Given the severity of these violations and the harm they cause to my credit profile, I demand the immediate removal of these XXXX accounts from my credit report. If these inaccuracies are not corrected within the legally mandated time frame, I will explore all available legal remedies, including seeking damages for the harm caused by these reporting errors. 

I am also aware of the recent data breach affecting these credit reporting agencies, which further raises concerns about the security and integrity of consumer data. Under U.S. Code 1030, organizations are required to implement adequate measures to protect consumer data, and failure to do so necessitates immediate corrective action. 

Please acknowledge receipt of this complaint and inform me of any actions taken to rectify these serious issues. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XX/XX/XXXX XXXX Balance Owed : {$0.00} XX/XX/XXXXOriginal Creditor XXXX XXXX XXXX XXXX Balance Owed : {$960.00} XX/XX/XXXXXXXX Bankruptcy Reference # XXXX XX/XX/XXXX XX/XX/XXXX Original Creditor : 11 XX/XX/XXXX XXXX Balance Owed : {$320.00} XXXX XXXX XXXX/XXXX/2024 XXXX XXXX/XXXX/2024 XXXX XXXX/XXXX/2024 XX/XX/XXXXXX/XX/year>2024 XXXX XXXX XX/XX/scrub>/2024 XX/XX/XXXXXX/XX/year>2024 XX/XX/XXXXXX/XX/scrub>/2024 XXXX XXXX XX/XX/scrub>/2024 XX/XX/XXXXXX/XX/scrub>/2024 XXXXXX/XX/XXXXXXXX XX/XX/scrub>/2024 XXXX OF XXXX XX/XX/year>2024XX/XX/XXXXXXXX XX/XX/year>2024 XX/XX/XXXXXXXX/XXXX/2024 XXXX XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXX/XXXX/2024 XXXX XXXX XX/XX/XXXX XXXX/XXXX/2024 XXXX XXXX XX/XX/year>2024 XX/XX/XXXXXX/XX/XXXXXXXX/XXXX/2024 XX/XX/XXXX XX/XX/year>2024 XX/XX/XXXXXX/XX/scrub>/2024 AXX/XX/XXXX XX/XX/XXXX XX/XX/year>2024 XXXX XX/XX/XXXXXX/XX/XXXXOF XXXX XXXX/XXXX/2024 XXXX XXXX XXXX XXXX/XXXX/2024

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 2025-02-04 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXX Subject : Request for Reinvestigation of Account Information Under 15 U.S.C.

1681i ( a ) ( 6 ) ( B ) ( 3 ) Dear Equifax, I am writing to formally request a reinvestigation of the accounts listed below, which are currently reported on my credit file. Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( 3 ) of the Fair Credit Reporting Act, I am requesting that you verify the accuracy, completeness, and current status of these accounts. 
Account Information : Account Name/Number : XXXXXXXX XXXX Reported by : XXXX XXXX Date Opened : XX/XX/XXXX Amount Reported : {$1000.00} Account Name/Number : Portfolio Recovery Associates Reported by : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount Reported : {$660.00} I request that you verify the accuracy of these accounts information and provide a full and complete reinvestigation into these accounts. If you find any inaccuracies or incomplete information, I ask that you promptly delete the account from my credit file as required by law. 
As per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( 3 ), I am entitled to a reinvestigation of these accounts and expect the results of your investigation, including any updated reports, to be provided to me in accordance with the time limits set forth in the Fair Credit Reporting Act.

Please let me know the outcome of the reinvestigations and any changes made to my credit report within the required time frame. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of any errors. 
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 2025-02-04 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: TN

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
My account was closed due to the thought and showing of an amount in my account and then it over drafting.i was over draft for an amount of XXXX dollars and i did not know how when it should have not went through if it was posted correctly. And it caused for my account to be closed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report regarding the following account : Creditor : First Premier Bank Account Number : XXXX Dispute Reasons : Incorrect charge-off reporting : The account was charged off in XX/XX/XXXX, but " CO '' continues to be reported every month through XXXX, which is inaccurate. A charge-off should not be repeatedly reported each month after the initial charge-off date. 

Incorrect balance reporting : The charge-off amount was {$900.00} yet the report still lists a {$900.00} past-due balance. If the account was charged off and sold to a collection agency, the original creditor should no longer report a balance.

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 2025-02-04 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: LA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 

XXXX XXXX BALANCED {$760.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: LA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 

XXXX XXXX BALANCED {$760.00}

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 2025-02-04 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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2025-02-04 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:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your 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 2025-02-04 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:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your 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 non-monetary relief
Consumer complaint received 2025-02-04 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: NY

Complaint narrative:
In accordance with 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. 

XXXX XXXX XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-04 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:
I discovered multiple fraudulent accounts and inquiries on my credit reports from Experian, Equifax, and TransUnion that I did not authorize or open. These accounts are directly tied to my compromised personal information.

Despite my repeated efforts to resolve this issue, the credit reporting agencies ( CRAs )

have failed to investigate and remove the fraudulent items, violating multiple federal statutes, including : 1. 15 U.S.C. 1681c-2 Failure to block fraudulent information within 4 business days of receiving my dispute and supporting documentation.

2. 15 U.S.C. 1681b Unauthorized sharing of my personal and financial information without permissible purpose.

3. 15 U.S.C. 1692g Failure to provide written notice of alleged debts within 5 days of reporting.

4. 15 U.S.C. 1681n and 1681o Willful and negligent non-compliance with the Fair Credit Reporting Act ( FCRA ).

5. 26 U.S.C. 6050P Failure to provide proper validation of any alleged debt, including evidence of cancellation or discharge via Form 1099-C, if applicable. 


Harm Experienced : The fraudulent reporting of these accounts has caused significant harm to my financial reputation, including : 1. Denials of credit applications.

2. Damage to my credit score.

3. Emotional distress caused by repeated failures of CRAs to address the issue.

Actions Taken to Protect Myself : 1. Filed Multiple Identity Theft Reports with the FTC. 
o FTC Identity Theft Report Number : XXXX XXXX. Notified the creditor ( LENDERS ) and initiated a fraud investigation. 
3. Placed fraud alerts and frozen my credit reports with all three major credit bureaus.

4. Filed disputes with Experian, Equifax, and TransUnion.

5. Currently in the process of filing a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Account # : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation