vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint regarding Equifax Information Services repeated failure to ensure the accuracy of my credit report and their inability to address disputes properly. I initiated my dispute with Equifax on XX/XX/XXXX regarding the matter. As of this date XXXX XXXX, XXXX the items have not been removed as they have failed to investigate and validate the information properly while keeping my information on the report. I also have found my information has been associated with the data breach. The Engagement number for the Equifax Data Breach Settlement is XXXX As a consumer, I am entitled to accurate credit reporting under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, yet Equifax has failed to meet this legal standard. 
Specifically, Equifax has reported inaccurate personal information and unauthorized hard inquiries, including : Incorrect Personal Information : Names : o XXXX XXXX XXXX XXXX XXXX Addresses : o XXXX XXXX XXXX XXXX  WA XXXX o XXXX XXXX, XXXX, WA XXXX Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX via Dealer XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX my efforts to dispute these inaccuracies, Equifax has failed to investigate or validate the information properly. These actions violate their obligations under the FCRA. Moreover, the CFPBs lawsuit against Equifax highlights systemic failures in verifying consumer credit data, which further undermines confidence in their processes.

Equifaxs negligence has caused me financial harm, including a lowered credit score and lost opportunities. I am requesting the CFPB to : 1. Investigate Equifaxs practices related to consumer disputes and inaccurate reporting.

2. Require Equifax to remove all unverifiable or inaccurate information from my credit report. 
XXXX. Impose appropriate penalties to ensure Equifax complies with federal consumer protection laws. 
Attached to this complaint are : A copy of my credit report with disputed items highlighted. 
Documentation of my prior disputes with Equifax. 
Thank you for your attention to this matter. I trust that the CFPB will act to ensure Equifax is held accountable for its obligations under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
XX/XX/XXXX. 
XXXX XXXX XXXX XXXX ( debt collector ) XXXX Reference # XXXX They were trying to collect debt that owe to Navy Federal Credit Union. 
Owed XX/XX/XXXX : {$520.00} XX/XX/XXXX : {$510.00} How am I being charged when I just got released from prison in XXXX XXXX, XXXX I got my release papers to prove plus Im currently on parole as well I can prove that. I served 8 years locked up since XXXX. This the second time I had identity theft with them they keep saying I owe, I can open nothing will incarcerated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: PA

Complaint narrative:
I submitted documents to dispute closed account and collections on my report and was denied without valid reason. My debt was also sold to dept collectors whom I did not sign a contract with these specific companies!

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, debt collectors and credit reporting agencies are required to report only accurate and verifiable information. If my original creditor sold my account to a debt buyer, the original creditor should no longer be reporting the debt, and the debt buyer must ensure the information is accurate before placing it on my credit report.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I have the right to dispute any inaccurate, incomplete, or unverifiable information on my credit report, including collections and closed accounts.

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 2025-01-29 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: PA

Complaint narrative:
I submitted documents to dispute closed account and collections on my report and was denied without valid reason. My debt was also sold to dept collectors whom I did not sign a contract with these specific companies!

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, debt collectors and credit reporting agencies are required to report only accurate and verifiable information. If my original creditor sold my account to a debt buyer, the original creditor should no longer be reporting the debt, and the debt buyer must ensure the information is accurate before placing it on my credit report.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I have the right to dispute any inaccurate, incomplete, or unverifiable information on my credit report, including collections and closed accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AL

Complaint narrative:
Fair Collections and Out is reporting an account on my credit report that was paid to another company on XX/XX/year> to XXXX XXXX. The original creditor is the XXXX XXXX XXXX XXXXXXXX who has also confirmed the account is paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
California Code, Civil Code - CIV 1785.15 Gives victims of identity theft the right to bring a civil action against anyone who improperly obtains access to a file, misuses file data, or fails to correct inaccurate file data..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding a dispute over a debt totaling {$6400.00}, which is being pursued by Trans world systems inc. on behalf XXXX XXXX. I believe this debt is unjustified based on the following circumstances : On XX/XX/year>, I spoke with a representative from XXXX XXXX to cancel my service and return my equipment. During this call, the representative agreed to cancel my service and made an exception to accept the return of my devices, even though it was past the 30-day return period. The representative also provided return labels and instructed me to return the equipment immediately. 

As the attached evidence shows, I shipped the equipment the same day, in full compliance with their instructions. Shortly thereafter, I received confirmation that my service was canceled and all associated subscriptions were stopped. 

Despite this, I was later billed an excessive amount of {$6400.00}. I should have only been responsible for the service charges for that month, which I was fully prepared to pay. The inflated charges are completely unwarranted given that the equipment was returned on time and the service was canceled per the representatives instructions. 

I am requesting the CFPB to investigate this matter and assist in resolving the dispute. This unjustified debt has caused significant stress and potential damage to my credit. I have attached the following documentation to support my claim : Screenshots confirming the return of equipment. 
Confirmation of service cancellation and cessation of subscriptions. 
Any other relevant correspondence with XXXX or the collections agency. 

I request that this debt be removed and that any reporting to credit bureaus regarding this amount be corrected immediately. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am filing a complaint against XXXX for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ) ,12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I have marked as inaccurate : 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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am filing a complaint against XXXX for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ) ,12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I have marked as inaccurate : 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 explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Inaccurate accounts from the Equifax data breach remain on my report despite evidence. These errors are harming my finances and must be removed within 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue alines with Navy Federal for similar practices, where transactions settled with insufficient balances these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I requested by phone to have an old address removed ; because it is not tied to any open accounts in my name. All of the accounts that this address is tied to were closed by original creditor. Credit bureau could not give me a lawful reason why it could not be removed, just that it was associated with accounts on my report.To address the removal of old addresses from your credit report, the following laws and guidelines may help : 1. Fair Credit Reporting Act ( FCRA ) The FCRA ensures the accuracy and privacy of information on your credit report. Under this law : Right to Dispute Inaccurate Information : You can dispute old addresses if they are inaccurate, outdated, or no longer associated with any open accounts. 

Verification Requirement : Credit reporting agencies must verify the accuracy of disputed addresses. If they can not verify the information, it must be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Correction of Personal Information in Credit Report To Whom It May Concern : I was reviewing my credit report and found several inaccuracies in my personal information, including addresses, name variations, and employment history. I kindly request your assistance in correcting these errors. I have attached documentation providing proof of my current address and correct name as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses currently appearing in my report that I would like to be removed : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX XXXX only correct address that should appear in my report is : XXXX XXXX XXXX XXXX XXXX, XXXX, Utah XXXX XXXX 

Additionally, I noticed that my name appears to be misspelled in my credit report. My name has only one correct spelling, and there should be no variations listed. To confirm the correct spelling, I have attached a copy of my photo ID. 

Here are the incorrect spellings currently listed in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also request the removal of the following incorrect employers : XXXX XXXX XXXX XXXX  The only employer that should be listed is : XXXX XXXX XXXX XXXX. 

These inaccuracies are causing difficulties for me in maintaining an accurate credit report and moving forward with my legal processes. Therefore, I kindly request that you remove the incorrect names, addresses, and employers from my credit report and update it accordingly. 

Once the necessary corrections have been made, please send me a copy of my updated credit report for my records. 

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

Sincerely, XXXX XXXX XXXX XXXX Attachments : Photo ID Proof of current address

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