vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: MA

Complaint narrative:
As of XX/XX/XXXX my XXXX XXXX was XXXX. When I checked for an update today, I noticed that my XXXX XXXX has dropped XXXX points to XXXX. In looking at the credit report, it has come to my attention that my XXXX XXXX is being unfairly impacted by an administrative forbearance, elevated to a processing forbearance placed on my student loan due to the federal court issued an injunction preventing the XXXX Department of Education from implementing parts of the Saving on a Valuable Education ( XXXX ) Plan and other XXXX plans. 

I did not request my account be put in this forbearance and have been working tirelessly with XXXX and XXXX to change my payment plan and effectively move my loans out of forbearance. This is of no fault of mine, and I am not delinquent on my payments. Against my will, this account was put into an administration forbearance in XXXX. Despite submitting a request to change payment plans on XX/XX/year>, no changes have been made to my account and my request continues to sit processing. After speaking with an agent today, my account was placed into a processing forbearance that extends forward 60 days and is also retroactive to cover the previous months. Furthermore, my loan provider indicated that a freeze was placed on my account via the department of education that extended to XX/XX/year>, which did not allow my loan provider to process my prior request to change payment plans. Since, my loan provider has still not processed my request, calculated my new payments, and taken my loans out of the administrative forbearance. 

At the current time, I am unable to make payments because my payments have not been calculated by the loan provider. With student loans now reporting if payments havent been made in 90 days, this is unduly impacting my XXXX XXXX. I request that this negative impact to my XXXX XXXX be rectified immediately, and XXXX stop reporting me to the major credit unions as delinquent.

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
As of XX/XX/XXXX my credit score was XXXX. When I checked for an update today, I noticed that my credit score has dropped XXXX points to XXXX. In looking at the credit report, it has come to my attention that my credit score is being unfairly impacted by an administrative forbearance, elevated to a processing forbearance placed on my student loan due to the federal court issued an injunction preventing the XXXX Department of Education from implementing parts of the Saving on a Valuable Education ( XXXX ) Plan and other XXXX plans. 

I did not request my account be put in this forbearance and have been working tirelessly with XXXX and XXXX to change my payment plan and effectively move my loans out of forbearance. This is of no fault of mine, and I am not delinquent on my payments. Against my will, this account was put into an administration forbearance in XXXX. Despite submitting a request to change payment plans on XX/XX/year>, no changes have been made to my account and my request continues to sit processing. After speaking with an agent today, my account was placed into a processing forbearance that extends forward XXXX  days and is also retroactive to cover the previous months. Furthermore, my loan provider indicated that a freeze was placed on my account via the department of education that extended to XX/XX/year>, which did not allow my loan provider to process my prior request to change payment plans. Since, my loan provider has still not processed my request, calculated my new payments, and taken my loans out of the administrative forbearance. 

At the current time, I am unable to make payments because my payments have not been calculated by the loan provider. With student loans now reporting if payments havent been made in XXXX  days, this is unduly impacting my credit score. I request that this negative impact to my credit score be rectified immediately, and XXXX stop reporting me to the major credit unions as delinquent.

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I'm extremely disappointed with the lack of accuracy in my credit report. I had expected a higher level of diligence and attention to detail. These errors are causing me significant inconvenience and financial harm.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These inquiries were not made with my consent and are causing significant damage to my credit score.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Hello, I have disputed the below as i am unaware of the inquiries listed below. I believe I am a victim of Identity theft. The below is affecting my credit score and I am unable to make repairs on my furnace which is dangerous. I am asking that the below inquiries be removed from my report asap Please. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
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: PA

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 insufficient 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 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: UT

Complaint narrative:
My name is XXXX, XXXX filing a complaint to XXXX XXXX : ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX transworld system : ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX  # XXXX, XXXX, XXXX  XXXX I am filing this complaint regarding an inaccurate items on my credit report that continues to negatively impact my credits. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit History

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
There seems to be a serious error on my credit report. I have found numerous inquiries that I did not authorize.

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 2025-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
I received a letter from XXXX XXXX on or about XX/XX/XXXX, even though the letterhead showed XX/XX/XXXX. I spoke with a representative informing him I was a victim of identity fraud since XXXXand still fraudulent activity will pop up every now & then. I disputed the charge that this bill from XXXX was not mine since I have XXXX XXXX XXXX. The letter stated that I owed this bill as of XX/XX/XXXX and then he said it was as of XXXX. I sent the dispute form that was enclosed in the letter stating it was not mine, and I'm unaware of any of the charges. I received another letter today XX/XX/XXXX, stating that they did receive my dispute and that I should contact the FTC and XXXX enforcement which I have done in the past. This past XX/XX/XXXX, I received a notice that a fraudulent New Jersey XXXX claim was filed on my behalf. I notified the State XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I did not claim any benefits, the claim was denied. 

I have delete personal information on documents sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
Today, XX/XX/XXXX Regions Bank called us at our private number. 1 ) XXXX ; t know what tactic they used to get this, but it is a private number. 
2 ) They are calling about accounts that Regions Bank has acquired with a merger with Enerbank. 
3 ) Any account they would be calling us would have been closed and written off in XXXX, five years ago.

4 ) In the State of Texas, the statue of limitations in Texas is 4 years.

This company ( Regions Bank ) is trying to harass accounts which have been closed, and written off four years ago, beyond the statue of limitations in debt collection for an inactive account ( s ).

5 ) I request and have already requested Enerbank when they tried this to only contact us in writing and not our phones, We request Regions Bank, the same.

6 ) We also request that they cease contacting us on account beyond the statue of limitations in the State of Texas, which no payment, no activity has transpired in the last 4 years. 
XXXX ) Refrain from contacting friends and family. Thank you.

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 2025-01-29 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: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence di 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, Equifax '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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions 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 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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I applied for this card, never received a physical card from them. I was able to make my first purchase with an online card. I attempted to pay online like it said I would be able to, when I did they called me a scammer said they could not verify any of my personal information. They declined me the option to log in and make payments like a regular customer after telling them time and time over and over to please let me make my payment online they told me they could not verify I was really myself. I let my attorney speak with them, they still wouldnt allow it. Now they are harassing me, with phone calls every single day, emails harassing me and posted this account on my credit, when they initially said they couldnt verify the account was mine.

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 2025-01-29 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:
I XXXX XXXX have been a victim of identity and this company continues to report fraudulent items that are due to identity theft. A reasonable solution would be to delete the items from my credit report due to identify theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
My email has been compromised and they have used my email address to open a capital one credit card in my name and email

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: EQUIFAX, INC.
State: MN

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

List of accounts 1. XXXX XXXX XXXX ( XXXX ) totaling {$4600.00} 2. XXXX XXXX XXXX ( XXXX ) totaling {$2200.00} XXXX. XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX  ) totaling {$840.00} 4. XXXX XXXX XXXX XXXX XXXX Minnesota XXXX ) totaling {$320.00}

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under 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 ( A ) XXXX XXXX XXXX XXXX, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under XXXX XXXX XXXX, XXXX, XXXX, XXXX these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Balance {$1400.00} Date Opened XX/XX/XXXX XXXX Card Date Opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$6200.00} **Inquiries** XXXX ( Finance ) XX/XX/XXXX 2024

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
I am filing a formal complaint against TransUnion for its willful negligence and failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under XXXXXXXX XXXX XXXX ( civil liability for negligent noncompliance ). Despite my repeated attempts to dispute inaccurate information on my credit report, TransUnion has failed to conduct a proper investigation and correct the errors, causing financial harm and distress. XXXX failure to comply with the FCRA has resulted in harm to my creditworthiness and financial standing, which may entitle me to damages under XXXX XXXX. XXXX for negligent noncompliance. I am requesting that the CFPB intervene and hold TransUnion accountable for its failure to : Conduct a full and reasonable investigation as required by XXXXXXXX XXXX XXXX XXXX XXXX ). 
Provide proper notification of the results of the investigation. 
Delete or correct inaccurate and unverifiable information as mandated by federal law.

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