vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Request for Removal of Fraudulent Accounts Due to identity Theft Dear XXXX Agency I am Writing to formally request the removal of certain accounts from my credit report that I did not open and are results of identity Theft. 
My Name is XXXX XXXX XXXX My Social Security is XXXX Back in XX/XX/XXXX upon reviewing my credit report, I noticed the fallowing accounts that I believe were fraudulently opened in my name : 1. XXXX XXXX XXXX XXXX. / XXXX This Accounts are not mine, and I have taken steps to report this identity XXXX to the appropriate authorities. I have my purse stolen in XXXX and again in XXXX. At this moment I don't have handy that information from the police report as has been a while ago, since I notices all this accounts in my credit report, I been filing multiple Complaints through their preceptive agency and so far, none of them has giving me a validation of the debt. Under the Fair Credit Reporting Act. ( FCRA ) and the Fair Debt Collection Practice Act ( FDCPA ), I have the right to request a validation of any reported debt I can dispute these accounts. Or request the IRS Form 1099-c ( cancelation of the debt ) None of this information has been provided to me by any of the collection agencies or your Company EQUIFAX All my disputes are returned as verified and updated to stay on my credit with no Proof of method of verification by your company. Or any of the Collection agencies I already submitted this form and request. If none of this debt can not be validated or if there is evidence of errors, I can request that the account be removed from my credit report. 
If the creditor or debt collector continues to report unverifiable or inaccurate information, I will consider filing a complaint. For monetary relief for this pain and stress this situation is causing me. 

I kindly request that you investigate these accounts and remove them from my credit report as soon as possible. Under the Fair credit reporting act, I have the right to dispute any information that is inaccurate or incomplete. 
Please confirm receipt of this request and let me know the outcome of your investigation. I appreciate your assistance in resolving this matter promptly. 
Thank you for your attention to this urgent issue. 
Sincerely XXXX 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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and inaccurate information.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Dispute of Inaccurate Credit Reporting Credit Report File Number : XXXX Dear XXXX, I am writing to formally dispute the inaccurate and unverifiable information currently reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure maximum possible accuracy of the information they report and to properly investigate disputes within a reasonable time frame of at least XXXX business days. ( 15 U.S.C. 1681i ).

The following item ( s ) is/are being disputed for failing verification and accuracy standards : XXXX. XXXX XXXX XXXX Basis of Dispute Upon my previous attempts to dispute this information, your methods of verification have proven to be inadequate, incomplete, and invalid. The FCRA requires credit reporting agencies to conduct meaningful and independent investigations ( XXXXXXXX XXXX XXXX  ). Simply contacting the data furnisher without conducting your own investigation does not meet this legal obligation. 
Moreover, the information being reported has no supporting documentation or legitimate evidence provided to me as proof of its accuracy. Your continued reporting of this unverifiable and inaccurate information constitutes a clear violation of my rights under the FCRA.

Required Action I demand that you immediately delete the disputed item ( s ) from my credit file as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) of the FCRA when information can not be verified. Failure to do so will leave me no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal action to enforce my rights.

Additional Notes Please be advised that I am requesting a detailed explanation of the methods used to verify the accuracy of this information. As mandated by 15 U.S.C. 1681g ( a ) ( 2 ), you are required to provide me with the name, address, and contact information of the original creditor or data furnisher that you relied upon. Without this, the reporting is invalid and must be removed.

I expect a full resolution of this matter within the legally required time frame of 4 days or less ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). Failure to comply with this request will constitute willful noncompliance with federal law, and I will take further action accordingly. 
Please confirm receipt of this dispute and notify me in writing as well as email of the actions taken regarding my file. 
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 2025-01-22 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Dispute of Inaccurate Credit Reporting Credit Report File Number : XXXX Dear XXXX, I am writing to formally dispute the inaccurate and unverifiable information currently reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure maximum possible accuracy of the information they report and to properly investigate disputes within a reasonable time frame of at least XXXX business days. ( 15 U.S.C. 1681i ).

The following item ( s ) is/are being disputed for failing verification and accuracy standards : XXXX. XXXX XXXX XXXX Basis of Dispute Upon my previous attempts to dispute this information, your methods of verification have proven to be inadequate, incomplete, and invalid. The FCRA requires credit reporting agencies to conduct meaningful and independent investigations ( XXXXXXXX XXXX XXXXXXXX ). Simply contacting the data furnisher without conducting your own investigation does not meet this legal obligation. 
Moreover, the information being reported has no supporting documentation or legitimate evidence provided to me as proof of its accuracy. Your continued reporting of this unverifiable and inaccurate information constitutes a clear violation of my rights under the FCRA. 
Required Action I demand that you immediately delete the disputed item ( s ) from my credit file as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) of the FCRA when information can not be verified. Failure to do so will leave me no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal action to enforce my rights. 
Additional Notes Please be advised that I am requesting a detailed explanation of the methods used to verify the accuracy of this information. As mandated by 15 U.S.C. 1681g ( a ) ( 2 ), you are required to provide me with the name, address, and contact information of the original creditor or data furnisher that you relied upon. Without this, the reporting is invalid and must be removed.

I expect a full resolution of this matter within the legally required time frame of 4 days or less ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). Failure to comply with this request will constitute willful noncompliance with federal law, and I will take further action accordingly. 
Please confirm receipt of this dispute and notify me in writing as well as email of the actions taken regarding my file. 
Sincerely, XXXX 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XX/XX/year> Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Dispute of Inaccurate Credit Reporting Credit Report File Number : XXXX Dear Experian, I am writing to formally dispute the inaccurate and unverifiable information currently reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure maximum possible accuracy of the information they report and to properly investigate disputes within a reasonable time frame of at least XXXX business days. ( 15 U.S.C. 1681i ).

The following item ( s ) is/are being disputed for failing verification and accuracy standards : XXXX. XXXX XXXX XXXX Basis of Dispute Upon my previous attempts to dispute this information, your methods of verification have proven to be inadequate, incomplete, and invalid. The FCRA requires credit reporting agencies to conduct meaningful and independent investigations ( XXXXXXXX XXXX XXXXXXXX ). Simply contacting the data furnisher without conducting your own investigation does not meet this legal obligation. 
Moreover, the information being reported has no supporting documentation or legitimate evidence provided to me as proof of its accuracy. Your continued reporting of this unverifiable and inaccurate information constitutes a clear violation of my rights under the FCRA. 
Required Action I demand that you immediately delete the disputed item ( s ) from my credit file as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) of the FCRA when information can not be verified. Failure to do so will leave me no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal action to enforce my rights. 
Additional Notes Please be advised that I am requesting a detailed explanation of the methods used to verify the accuracy of this information. As mandated by 15 U.S.C. 1681g ( a ) ( 2 ), you are required to provide me with the name, address, and contact information of the original creditor or data furnisher that you relied upon. Without this, the reporting is invalid and must be removed.

I expect a full resolution of this matter within the legally required time frame of 4 days or less ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). Failure to comply with this request will constitute willful noncompliance with federal law, and I will take further action accordingly. 
Please confirm receipt of this dispute and notify me in writing as well as email of the actions taken regarding my file. 
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 explanation
Consumer complaint received 2025-01-22 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: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I filed a dispute on accounts XXXX with the company Midland Credit Mangement due to Identity theft. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company XXXX. 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting house. XXXX violates my rights as a consumer, as well as federal laws.

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 with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
From XX/XX/XXXX I was in jail got out XX/XX/XXXX. From XXXX XXXX my card was being used to around XX/XX/XXXX totaling in the amount of {$3100.00}. They keep not approving this. I've sent documents of such

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: GA

Complaint narrative:
I am writing to File a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having insufficient funds when transaction were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe 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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance to the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 a, states I have a right to privacy 15 USC 1681 section 604 a section 2, states a consumer reporting agency can not furnish an account. Without my written consent or instructions.

15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following information : Any other adverse item of information, other than records of convictions and crime which antedates the report by 7 years.

No 15 USC 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if a person knows or have 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 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have an auto loan with Bank of America. I attempted to make a payment on this loan account but included the credit card number instead of the loan number. I found out this credit card had been closed due to inactivity. Bank of America accepted this payment of {$560.00}. I asked them to transfer this payment to the auto loan. They said they could not do that so I paid the loan payment again to the right account and asked them to refund my payment to the credit card. After XXXX  days, XXXX phone calls, transferred to numerous departments all over the country, the final result was they said they could not find the credit card as it had been archived. Therefore there was nothing they could do. I was just out the money. 
I am attaching a copy of my bank statement showing the payment to Bank of America on XX/XX/year>. If they could not find the account, why did they accept the payment? They have no right to keep this money and I am demanding a refund

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

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 aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with in sufficient balances despite initially available funds.I believe these practices are unfair and request and 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 2025-01-22 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: GA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe 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