vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. I have included the proper documentation with my report. There are inaccuracies with both inquiries and a XXXX XXXX account that need to be removed from all XXXX credit reports XXXX Experian and XXXX

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

Complaint narrative:
Name : ( Name Goes Here ) Consumer Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private DOB ) Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX, Equifax and XXXX credit reporting agency block the information appearing on my consumer credit report, which has resulted from inaccurate and false reporting. Specifically, XXXX, Equifax and XXXX failed to properly verify this information within XXXX ( XXXX ) business days of receiving my request. 
The inaccurate and false information includes : XXXX, XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX a copy of my consumer FICO credit report maintained by XXXX, showing these inaccurate items. 
I do not recognize any of the accounts, collections, as reported. These accounts, collections, and hard inquiries were not opened, made, or initiated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Name : ( Name Goes Here ) Consumer Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private DOB ) Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX, XXXX and Experian credit reporting agency block the information appearing on my consumer credit report, which has resulted from inaccurate and false reporting. Specifically, XXXX, XXXX and Experian failed to properly verify this information within XXXX ( XXXX ) business days of receiving my request. 
The inaccurate and false information includes : XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX a copy of my consumer FICO credit report maintained by XXXX, showing these inaccurate items. 
I do not recognize any of the accounts, collections, as reported. These accounts, collections, and hard inquiries were not opened, made, or initiated by me.

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

Complaint narrative:
Prior complaints filed with Equifax about failure to upload my corrected mailing address after confirming my identity multiple times verbally, through mail, and via direct upload through their encrypted verification system which was initiated by their own customer service team. I am told the only verification acceptable is a social security card and drivers license which directly contradicts their own website published requirements. Equifax claims I do not have a credit profile, yet in their most recent phone conversation admitted I did, but they did not have my updated address again. They acknowledged the response to the prior CFPB investigation was inaccurate and could not explain how I received XXXX notice at my home from them requesting identity verification, but could not find my recent address on their system. This last conversation took place approximately XX/XX/XXXX for XXXX minutes ending XXXX MST. I am concerned that Customer Service XXXX insist the only way for me to have my identify verified is to mail a copy of my Social Security Card and License to their address. They can not email me the requirements or point out on their own company website where to find the information ; only that they can read it to me. This seems to set up unnecessary identity theft opportunities within their own company by the same representative. 

Additionally, balances on multiple accounts have not been updated correctly or actually verified directly with vendors. I can not get clarification if a third-party verification is being used, but can confirm that XXXX does have my most recent history since XXXX and XXXX are reported updated information. 

XXXX XXXX XXXX and XXXX XXXX, have not updated my paid off mortgage and report balances AFTER housing close and escrow money was received and processed, per their own acknowledgement. 

Damages have resulted to extremely poor research and communication between the XXXX entities including : inability to obtain housing, loss of available credit lines, reduction in credit lines and more than XXXX hours of phone conversations trying to resolve the issue between XX/XX/XXXX- XX/XX/XXXX. 

Prior CFPB Complaints : XXXX ( Equifax ) XXXX ( XXXX  ) XXXX ( XXXX XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XX/XX/year>, XXXX, XX/XX/year>, XX/XX/year> Dispute papers asking to verify the following information on accounts : the name of the original creditor on accounts, the address and phone number of the original creditor, the name of the person at who you verified the dispute with the original creditor, the documentation used to verify the dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
XXXX XXXX {$77.00}. i contacted the financial institution numerous times ( Chime ). Checked with my employer XXXX XXXX XXXX XXXX XXXXXXXX ) making sure the account and routing number was correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Subject : Formal Complaint Against Navy Federal Credit Union for FCRA Violations Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Navy Federal Credit Union ( NFCU ) for violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681b ( a ) ( 2 ), as well as for reporting inaccurate and misleading information related to my account. These violations have significantly and unfairly impacted my credit score, and despite my initial dispute filed on XX/XX/2024, Navy Federal has failed to address or correct the inaccuracies. 

Violations and Issues XXXXUnauthorized Access to My Credit Report Navy Federal accessed my credit report without my written consent after initial approval of loan and after the account was closed and paid off. This constitutes a clear violation of 15 U.S. Code 1681b ( a ) ( XXXX ), which requires that entities must have a permissible purpose or written authorization to access a consumers credit report. 

XXXXInaccurate Reporting of Loan Terms and Account Timeline Navy Federal has reported incorrect loan terms acocrding to open and close date for this account, which fails to align with the actual loan agreement. 
The length of time the account is being reported is incorrect, further demonstrating negligence in maintaining accurate records as required under the FCRA. 
XXXXAddition of Redeemed Repossession Notes After Account Closure Navy Federal added redeemed repossession notes to the account after the loan was paid in full and closed and went against agreement made at time of redemption. This misleading reporting is inaccurate and unjustly portrays a negative status on the account. 
XXXXnaccurate Late Payments Due to Insurance-Related Delays Navy Federal has reported inaccurate late payments that occurred during the time my vehicle was fraudulently stolen. These payments were delayed because they were being held by the insurance company during their investigation. 
Under the FCRA, credit reporting agencies and creditors are required to report only accurate and verifiable information, which has not occurred in this case. 
XXXXFailure to Correct Errors After Dispute I disputed these inaccuracies directly with Navy Federal on XX/XX/2024. To date, they have failed to respond or correct the errors in violation of FCRA 1681i, which requires a timely investigation and resolution of disputes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax is reporting false information on my credit report and is causing harm to my credit report and my credit score. They failed to investigate this collection before putting it on my credit report. 
The exact same account is showing up twice on my credit report and is listed as separated derogatory remarks. Ive tried to resolve this issue with them but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
My Name is XXXX XXXX XXXX I have reached out to the company regarding incorrect information being reported on my report with them. I have been denied bank membership due to inaccurate information these companies are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XX/XX/year> XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
My bank said I can do monthly payments on my debt but when I tried they charged off my account

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Formal Dispute and Notice of Civil Liability for Negligence Dear XXXX XXXX I am writing to formally dispute specific issue, e.g., inaccurate information appearing on my credit report as reported by XXXX XXXX Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I demand an immediate investigation and resolution of this matter. 

The following inaccuracies have been identified : [ XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$210.00} Account number XXXX ] I have attached supporting documentation, including [ list attached documents : e.g., copies of account statements, correspondence, or a copy of the credit report showing the error ]. 

Under 15 U.S. Code 1681o, civil liability is imposed for negligence in failing to comply with the provisions of the FCRA. By reporting inaccurate information and failing to ensure the accuracy and completeness of my credit file, your company has breached its duty of care under the FCRA. As a result, I have suffered damages, including but not limited to [ list damages, e.g., financial harm, emotional distress, loss of credit opportunities, etc. ]. 



To resolve this issue, I demand the following : 1. The immediate removal or correction of the disputed information.

2. Written confirmation of the investigation results and any actions taken.

3. Assurance that the inaccurate information will not reappear on my credit file. 

Failure to address this matter promptly and adequately may result in legal action to recover damages as provided under 15 U.S. Code 1681o. This letter serves as formal notice of your potential liability for negligence under federal law. 

Please respond in writing within [ state a reasonable timeframe, e.g., 30 days ] to confirm receipt of this dispute and to provide an update on your investigation. 

If you have any questions or require additional documentation, do not hesitate to contact me at the address or phone number listed above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Glacier Bancorp Inc.
State: WA

Complaint narrative:
Issue # 1 : I wasn't aware that I had an account with Wheatland Bank. 

I started an account with them when I was XXXX back in XXXX for direct deposit. I switched employers and opened accounts with another financial institution in XX/XX/XXXX. At the time I asked Wheatland to close all of my accounts. They did not tell me that I had any other accounts. I did not know that my mother had added me to her account at Wheatland when I was XXXX in XX/XX/XXXX. I don't know how a minor would legally be able to be added as a joint owner of an account since they can not agree to agreements and disclosures. When I brought this up to them, they said that fact didn't matter since I was no longer a minor and that to do anything about it I would've had to request to be removed from the account ( that I didn't know I had ) when I turned XXXX. 

I asked for a copy of the agreements and disclosures that I had " agreed '' to at XXXX and was told that they couldn't provide a copy since the disclosures had changed since I was added to the account. I received no notices that said disclosures were changing nor any documentation from Wheatland bank showing that I still had an account. My mother is the primary owner of this account. 

Complaint # 2 : Excessive Fees Skip ahead to a week ago, I got a call from Wheatland Bank letting me know that my account is negative {$1700.00}. I went in today to ask how I still had an account and they let me know that I was on an account with my mother and the account had gotten overdrawn on XX/XX/XXXX. Reviewing the account it appears that there was a purchase at a grocery store for {$1400.00}. 

( My mother is in the process of disputing this transaction because she only shops for groceries for herself and my sister who lives with her. There is no way that they would buy ~ {$1500.00} worth of groceries. ) Since that transaction came out, it left my mother who is on XXXX XXXX with {$11.00} in her account. The card was afterwards used in multiple stores, used to pay for several monthly bills and even used at an ATM twice without my mother knowing that the account was negative. In all she was charged with {$230.00} worth of fees and the negative balance will completely absorb her next XXXX deposit of {$1400.00}. 

Of the fees that were charged 7 were non-sufficient funds fees of {$30.00} and there were an additional 9 {$5.00} fees labeled " Continuous Overdraft Fee ''. It appears that they are charging her even more fees because she got overdraft fees. 

How is it possible that the card allowed multiple ATM withdrawals with a negative account balance? 
How was a minor allowed to be added as a joint owner on an account? 
Why was I not given any information about the disclosures on the account changing, and why did they not tell me I was still on an account in XXXX when I asked to close my accounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: WI

Complaint narrative:
United Wholesale Mortgage UWM ). I sold my condo on XX/XX/year>. UWM was supposed to forward the escrow balance of XXXX dollars to me at my new address. They requested that I change my address on their portal, which I did several times. The old address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and the new address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

They told me that they sent the check, and when I checked the portal, they had my address listed as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Which is an undeliverable address. 

The representative told me that they could no longer change the incorrect in their system and asked me to send her a letter with the new mailing address, a copy of my driver 's license, and a screenshot demonstrating that I no longer could change the address. After that call, I was not able to log in at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: 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: CA

Complaint narrative:
Hi my name is XXXX XXXX and this is your **final and non-negotiable** demand to **immediately** delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. 
**Pursuant to 15 U.S.C. 1681b**, you are illegally reporting and sharing my personal information without my explicit authorization. 
**You do not have my consent, and you have never had my consent** to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains **unauthorized inquiries** that I did not initiate, which makes me a **victim of identity theft**. 
**Under 18 U.S.C . 8**, I owe **absolutely no debt** to the companies listed. Your failure to delete these inaccuracies immediately will result in **severe legal consequences**. I will **not hesitate** to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the **Federal Trade Commission ( FTC ) ** and the **Consumer Financial Protection Bureau ( CFPB ) **. 
2. Initiating civil lawsuits for violations of my rights under the **Fair Credit Reporting Act ( FCRA ) **. 
3. Seeking **statutory and punitive damages** for your gross negligence and failure to comply with federal law. 
You are hereby notified that you have **no further opportunity** to delay or ignore this matter. I **demand** that all incorrect entries and unauthorized inquiries be deleted **immediately** and **permanently**. This is your **final warning**, and I expect **written confirmation** of the deletions without delay.If I do not receive confirmation of the deletions within the next 10 business days, I will proceed with full legal action, which will result in **significant consequences** for your continued disregard of 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