vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: MI

Complaint narrative:
To Whom It May Concern, Subject : Request for Deletion of Unverifiable Accounts from Credit Reports I am writing to formally request the removal of two disputed accounts from my credit reports maintained by your agency. As of XX/XX/year>, an investigation was completed by XXXX regarding the following accounts : XXXX XXXX  charge-off in the amount of {$460.00} XXXX XXXX  charge-off in the amount of {$1400.00} The investigation concluded with the deletion of these accounts from my XXXX secondary credit report due to their inability to verify the accuracy of the information. As a result, I am requesting that these accounts also be removed from my credit report with your agency, as required by federal consumer protection laws. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies are obligated to ensure that all information reported is accurate and verifiable. If XXXX has deleted these accounts based on their inability to verify the information, your agency must also remove these accounts to ensure compliance with the FCRA. Failure to do so would result in the continued reporting of unverifiable information, which is a violation of my rights as a consumer. 

Additionally, FCRA 611 ( a ) ( 5 ) ( A ) mandates that if information can not be verified, it must be promptly deleted or corrected. I kindly request that you complete your investigation and remove these accounts from my credit report within 30 days of the receipt of this letter, in accordance with FCRA guidelines.

If the accounts are not removed within this timeframe, I reserve the right to take legal action as provided under FCRA 616 and 617. These sections outline my right to seek damages for noncompliance, including actual damages, statutory damages, and attorney 's fees. 

Enclosed, please find a copy of my XXXX credit report showing the deletion of the accounts, along with any supporting documentation that may assist in your investigation. I expect a written confirmation of the actions taken regarding these accounts. 

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 non-monetary relief
Consumer complaint received 2025-01-14 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: MI

Complaint narrative:
To Whom It May Concern, Subject : Request for Deletion of Unverifiable Accounts from Credit Reports I am writing to formally request the removal of two disputed accounts from my credit reports maintained by your agency. As of XX/XX/year>, an investigation was completed by XXXX regarding the following accounts : XXXX XXXX charge-off in the amount of {$460.00} XXXX XXXX  XXXX in the amount of {$1400.00} The investigation concluded with the deletion of these accounts from my XXXX secondary credit report due to their inability to verify the accuracy of the information. As a result, I am requesting that these accounts also be removed from my credit report with your agency, as required by federal consumer protection laws. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies are obligated to ensure that all information reported is accurate and verifiable. If XXXX has deleted these accounts based on their inability to verify the information, your agency must also remove these accounts to ensure compliance with the FCRA. Failure to do so would result in the continued reporting of unverifiable information, which is a violation of my rights as a consumer. 

Additionally, FCRA 611 ( a ) ( 5 ) ( A ) mandates that if information can not be verified, it must be promptly deleted or corrected. I kindly request that you complete your investigation and remove these accounts from my credit report within 30 days of the receipt of this letter, in accordance with FCRA guidelines.

If the accounts are not removed within this timeframe, I reserve the right to take legal action as provided under FCRA 616 and 617. These sections outline my right to seek damages for noncompliance, including actual damages, statutory damages, and attorney 's fees. 

Enclosed, please find a copy of my XXXX credit report showing the deletion of the accounts, along with any supporting documentation that may assist in your investigation. I expect a written confirmation of the actions taken regarding these accounts. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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 follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX XXXX XXXXXXXX Account Number : XXXX Amount : {$0.00} Date of Account : XX/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 explanation
Consumer complaint received 2025-01-14 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: NC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: NC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-01-14 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: 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, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$6000.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Charged off XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Charged off XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} Collection XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$490.00} Charged off XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$1900.00} Charged off XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$2700.00} Charged off XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} Charged off XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$7900.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$840.00} Collection XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} Collection XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7400.00} XXXX Inquiries in Dispute : XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX Date of inquiry XX/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 explanation
Consumer complaint received 2025-01-14 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: WA

Complaint narrative:
I recently filed an investigation with report number XXXX. I ask experience to investigate my accounts that they are reporting they conducted investigation as accurate but they refuse to send method of verification. This is another example of Experian is harming consumers credit files without performing proper investigation. They have failed to send the method of verification as requested. I have attached there result without a method of verification. A reasonable accurate investigation has never took place this is an example of why there is a class lawsuit against experience by the CFPB.

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 2025-01-14 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: OR

Complaint narrative:
A thorough review of my credit record has revealed concerning late payment entries that require immediate attention. Despite my proactive approach in addressing this issue by sending letters over 30 days ago requesting clarification and validation, I have received no response or satisfactory explanation. This ongoing silence and lack of proper validation has left these disputed entries unresolved on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: MA

Complaint narrative:
I am filing this complaint because TransUnion and XXXX have refused to honor my legitimate requests to block fraudulent items on my credit reports, as required under Section 605B of the Fair Credit Reporting Act ( FCRA ). I am the victim of identity theft and followed the exact steps outlined by the Federal Trade Commission ( FTC ) to request that these items be blocked. Specifically, I sent each bureau : 1. A detailed letter describing the identity theft and requesting the block, 2. A copy of my FTC Identity Theft Report, 3. A copy of my government-issued photo identification, 4. An excerpted copy of my credit report with the fraudulent items clearly circled, 5. A copy of the relevant police report, and 6. A copy of FCRA 605B.

I mailed each request personally via the United States Postal Office to ensure authenticity and included all information necessary to identify me. Despite this, both TransUnion and XXXX responded by claimingwithout any factual basisthat the request did not come from me or was not authorized by me. Meanwhile, these inaccurate and fraudulent items remain on my reports and continue to harm me financially and otherwise. I have not yet received any response from XXXX, but I presume they are following the law. 

It is important to note that prompt blocking of fraudulent information is a clear requirement under FCRA 605B, provided the consumer supplies the proper documentation. I have complied fully, yet TransUnion and XXXX have chosen to ignore or dismiss my submissions. Their actions violate my rights under federal law and are causing me ongoing injury as a result of continuing credit damage from identity theft.

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 2025-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX, someone was able to call Wells Fargo and transfer XXXX from our savings to our checking. At that time they tried to run my debit card twice, it was denied due to being over the daily limit. On XX/XX/XXXX shortly after midnight, they were able to successfully run my card in the amount of XXXX. When I woke up the morning of XX/XX/XXXX I had an alert that I had suspected fraud on my account, I called immediately and discovered what had been done. I opened a claim with Wells Fargo. We tried to go to a branch to get assistance, we were told they had no appts. We have called Wells Fargo numerous times only to be told we can not be helped bc we do not have the reference number, the reference number they gave us, which is the claim number is apparently not sufficient Yesterday we received an email stating our claim has been closed bc no error occurred. This is not true! They allowed this to happen! Nobody will help us!

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 2025-01-14 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-01-14 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union ( NFCU ) for their failure to respond to my direct request for critical verification documentation and bonding information regarding an unauthorized withdrawal from my account. 

On XX/XX/XXXX, {$10000.00} was withdrawn via check from my checking account without my authorization. I raised concerns with NFCU about their improper verification process, as the name used in the request did not fully match the name on my account. Despite this discrepancy, NFCU processed the transaction, enabling potential identity theft and causing me significant financial harm. 

On XX/XX/XXXX, I sent a detailed email to multiple high-level executives at NFCU, XXXX XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX ( XXXX XXXX XXXX ), and XXXX XXXX ( XXXX XXXX ), requesting : 1. Documentation of the verification process used to approve the withdrawal.

2. The surety bond information associated with NFCU for filing claims related to this matter.

To date, I have received no response from NFCU. Their lack of transparency raises questions about their compliance with the Bank Secrecy Act, Regulation Z, and the Dodd-Frank Act which require financial institutions to conduct proper identity verification, ensure transparency, and safeguard consumers from unfair practices. 

I am requesting the CFPBs assistance in compelling NFCU to provide : 1. Verification records related to this withdrawal, including compliance with internal policies and federal laws.

2. Information regarding their surety bond for filing claims due to negligence.

NFCUs failure to address my concerns leaves me without recourse and undermines trust in the financial system. I hope the CFPB will help resolve this matter. 

Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was looking at my reports around XXXX and I noticed XXXX AUTHORIZED USER accounts that do not belong to me. The AUTHORIZED USERS accounts names is XXXX XXXX and XXXX XXXX These accounts is not showing anything negative. But they are not my accounts and I want them REMOVED/DELETED from my credit reports. I will attached Exhibit 1-5 showing the AUTHORIZED USERS that do not belong on my consumer reports. I also will attach the FTC 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 2025-01-14 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: OR

Complaint narrative:
The persistent presence of fraudulent and inaccurate information on my consumer report continues to cause significant disruption in my life, despite my numerous attempts to resolve these issues. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, yet their ongoing presence has generated immense stress and XXXX while severely impacting my financial stability and everyday wellbeing.

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