vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX - XXXXXXXX XXXX - XXXX, XXXX - XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: TX

Complaint narrative:
I am a victim of a data breach, and I am writing to formally request the immediate blocking and deletion of the fraudulent accounts listed below from my credit report. These accounts were added without my knowledge or consent, and as such, they are the result of identity theft. Under the provisions of XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ), I am entitled to have these fraudulent accounts blocked and removed from my credit file. 
Fraudulent Accounts : XXXX  XXXX - XXXX - XX/XX/XXXX - {$15000.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$920.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$7900.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: TX

Complaint narrative:
I am a victim of a data breach, and I am writing to formally request the immediate blocking and deletion of the fraudulent accounts listed below from my credit report. These accounts were added without my knowledge or consent, and as such, they are the result of identity theft. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent accounts blocked and removed from my credit file. 
Fraudulent Accounts : XXXX  XXXX - XXXX - XX/XX/XXXX - {$15000.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$920.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$7900.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3800.00}

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 explanation
Consumer complaint received 2024-11-22 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: AZ

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: MA

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: MA

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Complaint Summary : This complaint concerns XXXX  previous inaccurate and misleading reporting of my auto loan ( # XXXX ), which, while now removed, caused substantial financial harm and emotional distress. Their violations of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 et seq. ) have harmed my creditworthiness and caused unnecessary stress. I am seeking damages for the harm caused and request CFPB intervention to ensure accountability. 

Details of the Complaint : 1. Previous Inaccurate and Misleading Reporting XXXX reported inaccurate late payments, repossessions ( R ), and charge-offs ( CO ) to my credit report from XXXX to XXXX. These reports were : Unsubstantiated : XXXX failed to provide documentation to verify the accuracy of these entries. 
Misleading : Repossession and charge-off entries were reported repeatedly over several years, creating an unfair impression of ongoing delinquency. 
These practices violated FCRA ( 15 U.S.C. 1681e ( b ) ) standards for accuracy and TILA ( 15 U.S.C. 1666b ) notice requirements.

2. Failure to Substantiate Reporting During Disputes Despite my disputes, XXXX failed to provide documentation to substantiate : The validity of reported late payments. 
Proper notice of delinquency or repossession, as required under TILA ( 15 U.S.C. 1666b ).

Their failure to substantiate this information violated both FCRA and TILA. 

3. Harm Caused by XXXX Actions Financial Harm : The inaccuracies damaged my credit score for an extended period, resulting in : Higher interest rates on loans. 
Denial of financial opportunities. 
Increased financial burden. 
Emotional Distress : The prolonged reporting errors caused significant stress and frustration, as I was forced to repeatedly dispute incorrect information and deal with the consequences of a damaged credit profile. 
Legal Precedents Supporting My Complaint : Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ) : Credit furnishers must verify disputed information and ensure accuracy.

Dennis v. BEH-1, LLC, 520 F.3d 1066 ( XXXX XXXX XXXX ) : Misleading and unverifiable information must be corrected or deleted. 
Guimond v. TransUnion XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Consumers can recover damages for emotional distress caused by FCRA violations.

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 2024-11-22 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: GA

Complaint narrative:
Complaint Summary : This complaint concerns XXXX  previous inaccurate and misleading reporting of my auto loan ( # XXXX ), which, while now removed, caused substantial financial harm and emotional distress. Their violations of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 et seq. ) have harmed my creditworthiness and caused unnecessary stress. I am seeking damages for the harm caused and request CFPB intervention to ensure accountability. 

Details of the Complaint : 1. Previous Inaccurate and Misleading Reporting XXXX reported inaccurate late payments, repossessions ( R ), and charge-offs ( CO ) to my credit report from XXXX to XXXX. These reports were : Unsubstantiated : XXXX failed to provide documentation to verify the accuracy of these entries. 
Misleading : Repossession and charge-off entries were reported repeatedly over several years, creating an unfair impression of ongoing delinquency. 
These practices violated FCRA ( 15 U.S.C. 1681e ( b ) ) standards for accuracy and TILA ( 15 U.S.C. 1666b ) notice requirements.

2. Failure to Substantiate Reporting During Disputes Despite my disputes, Bridgecrest failed to provide documentation to substantiate : The validity of reported late payments.

Proper notice of delinquency or repossession, as required under TILA ( 15 U.S.C. 1666b ).

Their failure to substantiate this information violated both FCRA and TILA. 

XXXX. Harm Caused by XXXX Actions Financial Harm : The inaccuracies damaged my credit score for an extended period, resulting in : Higher interest rates on loans. 
Denial of financial opportunities. 
Increased financial burden. 
Emotional Distress : The prolonged reporting errors caused significant stress and frustration, as I was forced to repeatedly dispute incorrect information and deal with the consequences of a damaged credit profile. 
Legal Precedents Supporting My Complaint : Cushman XXXX XXXX XXXX, 115 F.3d 220 ( XXXX XXXX. XXXX ) : Credit furnishers must verify disputed informatioXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Cir. XXXX ) : Misleading and unverifiable information must be corrected or deleted. 
Guimond v. XXXX XXXX XXXX XXXX, 45 F.3d 1329 ( XXXX XXXX XXXX ) : Consumers can recover damages for emotional distress caused by FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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:
Complaint Summary : This complaint concerns XXXX  previous inaccurate and misleading reporting of my auto loan ( # XXXX ), which, while now removed, caused substantial financial harm and emotional distress. Their violations of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 et seq. ) have harmed my creditworthiness and caused unnecessary stress. I am seeking damages for the harm caused and request CFPB intervention to ensure accountability. 

Details of the Complaint : 1. Previous Inaccurate and Misleading Reporting XXXX reported inaccurate late payments, repossessions ( R ), and charge-offs ( CO ) to my credit report from XXXX to XXXX. These reports were : Unsubstantiated : XXXX failed to provide documentation to verify the accuracy of these entries. 
Misleading : Repossession and charge-off entries were reported repeatedly over several years, creating an unfair impression of ongoing delinquency. 
These practices violated FCRA ( 15 U.S.C. 1681e ( b ) ) standards for accuracy and TILA ( 15 U.S.C. 1666b ) notice requirements. 

2. Failure to Substantiate Reporting During Disputes Despite my disputes, XXXX failed to provide documentation to substantiate : The validity of reported late payments. 
Proper notice of delinquency or repossession, as required under TILA ( 15 U.S.C. 1666b ).

Their failure to substantiate this information violated both FCRA and TILA. 

XXXX. Harm Caused by XXXX Actions Financial Harm : The inaccuracies damaged my credit score for an extended period, resulting in : Higher interest rates on loans. 
Denial of financial opportunities. 
Increased financial burden. 
Emotional Distress : The prolonged reporting errors caused significant stress and frustration, as I was forced to repeatedly dispute incorrect information and deal with the consequences of a damaged credit profile. 
Legal Precedents Supporting My Complaint : XXXX XXXX XXXX XXXX, 115 F.3d 220 ( XXXX XXXX XXXX XXXX XXXX Credit furnishers must verify disputed information and ensure accuracy. 
XXXX XXXX XXXX, XXXX, 520 F.3d 1066 ( XXXX XXXX XXXXXXXX ) : Misleading and unverifiable information must be corrected or deleted. 
XXXX v. XXXX XXXX XXXX XXXX, 45 F.3d 1329 ( XXXX XXXX XXXX  ) : Consumers can recover damages for emotional distress caused by FCRA violations.

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 2024-11-22 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year> my debit card was compromised and it was used multiple times to rack up an absurd amount of money totaling in XXXX through numerous ways like digital wallet and debit card I didnt notice my debit card was messing or how this transactions where not flagged and made aware to me in this large amount I submitted a dispute claim today in hope to get my money back this is very dramatic and a big financial stress to me rite now I currently bank with Wells Fargo

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 2024-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Subject : Urgent Request for Correction of Credit Profile I am writing to address an ongoing issue regarding fraud, identity theft, and the correction of my name on my credit report. Despite repeated attempts to resolve this matter, you sent me a document listing a name that is not mine. 

For reference, my correct name is XXXX XXXX XXXX, and I do not have a middle name. I have provided ample proof of my identity, including copies of my Social Security card, birth certificate, passport, and driver 's license, yet the issue persists. 

It is unacceptable that despite my efforts and the documentation provided, my credit profile has not been corrected. Furthermore, I demand that any and all records involving XXXX XXXX XXXX 3 be permanently removed and erased from my credit report. This is clearly an error, and your continued failure to address it leaves me no choice but to consider legal action if this matter is not resolved promptly. 

Please confirm receipt of this request and provide a timeline for the correction of my credit profile. I trust that you will handle this issue immediately to avoid further escalation. 

Sincerely, 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 2024-11-22 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Subject : Urgent Request for Correction of Credit Profile I am writing to address an ongoing issue regarding fraud, identity theft, and the correction of my name on my credit report. Despite repeated attempts to resolve this matter, you sent me a document listing a name that is not mine. 

For reference, my correct name is XXXX XXXX XXXX, and I do not have a middle name. I have provided ample proof of my identity, including copies of my Social Security card, birth certificate, passport, and driver 's license, yet the issue persists. 

It is unacceptable that despite my efforts and the documentation provided, my credit profile has not been corrected. Furthermore, I demand that any and all records involving XXXX XXXX XXXX 3 be permanently removed and erased from my credit report. This is clearly an error, and your continued failure to address it leaves me no choice but to consider legal action if this matter is not resolved promptly. 

Please confirm receipt of this request and provide a timeline for the correction of my credit profile. I trust that you will handle this issue immediately to avoid further escalation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally report that I am a victim of a data breach, which has resulted in fraudulent accounts appearing on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following accounts : Fraudulent Accounts : 1. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$83000.00} XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6900.00}

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-11-22 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: KS

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-11-22 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:
Im currently negative {$110.00} from overdraft fees. I already dont have any money in the account. They charge {$29.00} for overdraft fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation