vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

TransUnion : Account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$250.00} ) Has violated my rights. 

15 U.S.C. 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 C. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX has stipulated to a settlement in a class action settlement to which I am a plaintiff. They admitted to error that has continuously damaged the principals credit score. I respectfully demand as stipulated in the settlement for XXXX XXXX XXXX  XXXX XXXX that the bogus debt reporting be removed immediately

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 2025-02-16 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: AZ

Complaint narrative:
To : Credit Reporting Agencies Subject : Request for Deletion of Unverified Account Due to XXXX XXXX Dear Credit Reporting Agencies, I am writing to formally request the immediate removal of a XXXX XXXX XXXX XXXX XXXX charge-off account in the amount of {$36000.00} from my credit report. I disputed this account with XXXX, and their investigation was completed on XX/XX/2025. As a result, the account was deleted from my XXXX credit report. XXXX decision to remove this account indicates that it is unverifiable, and as such, I am requesting your agency to do the same in compliance with federal consumer protection laws. 

Under Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to ensure that all information included in consumer credit files is accurate, complete, and verifiable. Since XXXX deleted this account due to its unverifiability, you are now obligated to remove it as well. 

Furthermore, under FCRA 609 and 611, if a credit reporting agency can not verify the accuracy of disputed information within 30 days, it must delete the information from the consumers credit report. I urge you to conduct a prompt investigation and remove this account from my credit file within the legally mandated timeframe.

Failure to comply with this request may result in legal action. FCRA 616 and 617 provide consumers with the right to sue credit reporting agencies that fail to uphold their obligations under the law. Non-compliance may expose your agency to liability for damages caused by inaccurate reporting and failure to ensure fair practices. 

For your reference, I have attached a copy of my XXXX credit report confirming the deletion of this account. If you believe the information is accurate, please provide me with documentation substantiating its validity. However, if no such verification is provided, the account must be removed immediately. 

If this matter is not resolved within 30 days, I will escalate my concerns by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and may pursue additional legal remedies. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that this account has been removed.

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 2025-02-16 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 submitting this complaint regarding unauthorized and potentially illegal overdraft fees imposed on my checking and XXXX accounts by Navy Federal Credit Union ( NFCU ). I have been a long-standing member of NFCU for several years and have multiple accounts with them. However, due to these overdraft fees, two of my checking and XXXX accounts may have been closed, though I still maintain one active account. 

I do not have an exact total of the fees charged, but I believe Navy Federal should have a record of these transactions in accordance with due process and their internal procedures. I am requesting an investigation into the legitimacy of these overdraft fees, as well as a review of NFCUs overdraft policies to determine if they are in violation of consumer protection laws. 

I would appreciate any assistance CFPB can provide in resolving this matter, including a full review of my transactions and potential reimbursement for any wrongful charges. Please let me know if any further information is needed to proceed with my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: NY

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
My ex-husband was military and used my information ten years ago. This account was closed eight years ago. This company has a XXXX  debt at XXXX XXXX and is threatening to take my social security and garnish my wages, sue me and take disability. Then have reported on my credit every month for eight years and will not stop harassing me. I made a police report. And will make another one. 
This company uses illegal tactics, threats and abusive language. They will call at all hours and not stop harassing you. I will be suing them for mental anguish.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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:
In accordance with Fair Credit Reporting Act. The list accounts below has violated me federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX. I have the right to privacy. 
XXXX XXXX XXXX : # XXXX. I have the right to privacy. 

15 U.S.C. 1681 Section 602 A, states I have the rights to privacy 15 U.S.C. 1681 Section 604 A, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section states. No consumer reporting agency may make any consumer report containing any of the following items, s of information. Any other adverse item of the information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if he person knows or has reasonable cause to believe that the information is accurate.

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 2025-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Santander is falsifying information on consumers using predatory loan practices causing unjustified low credit scores. In XXXX, this company settled charges to low-income and subprime customers for similar reasons. My sister and I are very much still affected by this behavior. They accused my sister XXXX XXXX of missing payments in XX/XX/XXXX when in fact I have a bank statement proving that she made payments in XXXX of XXXX to this company. But they continue to block the credit bureaus from deleting the mistake. They also falsified remark codes on credit report just to have it removed on the XXXX year mark of the XX/XX/XXXX false missed payment because they know after XXXX year the late payment will be less effective on XXXX XXXX. They removed it around XXXX and XXXX of XXXX just to reset the late payment issue. Which dropped our XXXX XXXX almost XXXX points, causing a significant financial burden on my sister and I at the moment. And they are well aware my sister XXXX XXXX is XXXX XXXX and low-income, taking advantage of her XXXX to understand what is going on with her XXXX XXXX and auto loan as well discrimination. I fear they will continue to try to take advantage of this system by giving false information. Please see attachments below with proof of payment and predatory lending practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: IL

Complaint narrative:
I don't have an XXXX credit card or XXXX XXXX XXXX XXXX and the credit bureaus are refusing to delete these accounts. The credit bureaus are validating these accounts but rather doing an E-Oscar verification to the companies. Per the FCRA the companies are required to do a proper investigation and receive validation on any investigation. I have provided my report number with the FTC. I have never had any accounts with either of these companies. Please delete these accounts off my credit report. XXXX Credit card, XXXX XXXX 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 2025-02-16 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: IL

Complaint narrative:
I don't have an XXXX credit card or XXXX XXXX XXXX XXXX and the credit bureaus are refusing to delete these accounts. The credit bureaus are validating these accounts but rather doing an E-Oscar verification to the companies. Per the FCRA the companies are required to do a proper investigation and receive validation on any investigation. I have provided my report number with the FTC. I have never had any accounts with either of these companies. Please delete these accounts off my credit report. XXXX Credit card, XXXX XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: FL

Complaint narrative:
My information was affected by the XXXX XXXX XXXX XXXXXXXX XXXX  XXXX  in 2024. I have been affected by transunion, Experian and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My information was affected by the XXXX XXXX XXXX XXXXXXXX XXXX  XXXX  in 2024. I have been affected by transunion, Experian and Equifax.

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 2025-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Carvana Group, LLC
State: FL

Complaint narrative:
On XX/XX/year> I entered into a contract with Carvana LLC for a car loan. Upon investigation of the contract the APR, annual percentage rate has been overstated by 4.676 % this violates the Truth In Lending Act a.k.a. TILA included in this documentation is evidence of fraud. Fraud vitiates any contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Equifax Information Services LLC : XXXX XXXX XXXX, XXXX, GA XXXX **Complaint Details : ** XXXX. Complaint : ** Credit Reporting Fraud Alert Security Freeze 2. **Date of Incident : ** [ XX/XX/year> ] XXXX. **Description of the Complaint : ** I am writing to lodge a formal complaint against Equifax due to their failure to provide me with access to my credit report. On [ XX/XX/year> ], I attempted to access my credit report via the Equifax online portal, but I was denied access due to [ insert specific reason or error message ]. 

As a consumer, I am entitled to access my credit report under the Fair Credit Reporting Act ( FCRA ). Denying this access constitutes a violation of my rights. I have attached a screenshot of my attempts to access the report for your review. 

Due to this denial, I have faced difficulties including [ credit score, credit report and my security freeze.Theses difficulties i have encountered, such as problems applying for credit, increased stress, etc. ]. 

XXXX. **Resolution Sought : ** I request that the CFPB investigates this matter and takes appropriate action against Equifax for their non-compliance with the FCRA XXXX I would also like to receive confirmation of the actions taken regarding my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: GA

Complaint narrative:
I just got my credit report and noticed some hard inquiries don't have permissible purpose according to 15 USC 1681b. I also attached a copy of my credit report. Can you please investigate these hard inquiries below 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 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 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 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 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

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 2025-02-16 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: CA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: Kikoff Inc.
State: WI

Complaint narrative:
Thank you for responding. However can you clarify my concern regarding account XXXX  The charge-off balance of {$320.00} KIKOFF stated The balance was simply charged off due to non-payment, and NO THIRD- PARTY recovery or insurance reimbursement was involved. Please enlighten me but my understanding of A write-off is a business accounting expense reported to account for unreceived payments or losses. A write-off reduces taxable income on the income statement. So that I have a clear understanding KIKOFF is stating this is not a practice used by the company for recovery/tax credits since KIKOFF did respond stating no third-party recovery was involved. Was the IRS also an oversight when third-party was referenced? And thank you I am aware of the payment history, open and closed dates when account charged off and the amount written off as profit and loss as KIKOFF is reporting information. And for any reason this is not the method used by KIKOFF as referenced above please disclose KIKOFF unique charge off- write off method so I may follow up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This is completely unprofessional and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Discover Bank Customer Service XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Late Payment Charges on Closed Account ( XXXX ) Dear Discover Bank Customer Service , I am writing to formally dispute the late payment charges on my closed Discover Bank credit card account, which was opened on XX/XX/XXXX. According to my recent account statement, it shows that i have a balance of {$300.00} past due as of XX/XX/XXXX. However, upon reviewing my payment history, i have noticed discrepancies that i wish to address.

Upon examining the payment summary provided by your system, I have observed the following issues ; 1. **Incorrect Late Payment Reporting** : My account was closed, yet late payments are being reported for the months of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Since the account was closed, these charges should not have been applicable or reported. 

2. Account Status : The account status was last updated in XX/XX/XXXX, which indicates that any reporting after this date should reflect on my credit history sicr that account was already closed. 

3. Interest being Applied to a Closed Account : I consider it fraudulent for interest to be applied to a closed account.

I request that you : - Remove previous late payment fees and negative reporting associated with the closed account post its closure date.

- Desist from reporting further negative reports in my account as the account is closed.

- Provide written confirmation once this dispute has been resolved and my credit report has been updated accordingly.

- All interest accrued after account closure should be removed.

Please find enclosed copies of my account statement and any relevant communication regarding the account closure for your reference. I trust that Discover Bank will handle this matter with the urgency and fairness it deserves.

Thank you for your attention to this issue. I look forward to your prompt response. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was not contacted as to how the investigation was performed on the accounts listed. 
# XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Codes 15 US 1681i ( a ) 1! 5 US 1681i ( e ) 6 ( B ) 3 15 US 1681i ( a ) ( 5 ) B

Company response to consumer: Closed with non-monetary relief