vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I hope this letter reaches you in good health. I am writing to formally challenge certain inaccuracies in my credit report. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verified reporting of consumer credit information. 

Disputed Information : I am specifically disputing entries linked to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Lack of Verification : It has come to my attention that these items were reported by your organization without the necessary verification from the U.S. Bankruptcy Court, thus raising serious questions about their authenticity. 
Validation Requirements : My subsequent verification inquiries with the U.S. Bankruptcy Court revealed that your organization failed to perform the mandatory validation checks on this public record. Accurate public record reporting is critical, and any inaccuracies can have significant negative impacts on my financial health.

FCRA Compliance : The inclusion of this unverified derogatory information not only affects my credit score adversely but also violates FCRA regulations, which strictly require the reporting of only verified information. 
Request for Documentation : To date, I have not received any substantial evidence from your side confirming the accuracy of this disputed data. The FCRA requires that any inaccuracies be corrected promptly, failing which they must be removed from the credit report. 
Right to Accurate Information : Under the FCRA, I am entitled to a credit report that accurately reflects my financial history without any unsubstantiated derogatory marks. 
Given these issues, I request the following actions to resolve this matter : Immediate Removal of Incorrect Bankruptcy Information : I insist on the permanent removal of all bankruptcy information associated with my Social Security Number that has not been appropriately verified. 
Deletion of Derogatory Marks : Any derogatory information that can not be verified must be removed from my credit report immediately. 
Provision of Updated Credit Report : Following these corrections, please provide an updated copy of my credit report that reflects these changes.

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 2025-02-10 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: Navient Solutions, LLC.
State: IN

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appea on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX personal credit account opened at XXXX XXXX XXXX  XXXX on XX/XX/XXXX under the account number ( private ), an Installment Loan account opened at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX under the account number ( private ), and a credit card account opened at XXXX on XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: MI

Complaint narrative:
I am filing a formal complaint regarding unauthorized accounts on my credit report that continue to appear despite my attempts to have them removed. These accounts violate 15 USC 1681b, as there is no permissible purpose for reporting them without my consent. I believe these accounts stem from my personal information being compromised in the XXXX data breach. The ongoing presence of these fraudulent accounts is causing significant harm to my credit and financial well-being. I request immediate investigation and removal of these accounts. If this matter is not resolved promptly. Please find attached documentation related to the disputed accounts.

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 2025-02-10 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 you to express my concerns over the lack of accountability Zelle has taken, regarding the issues for transactions. It is very unprofessional, knowing this is an international service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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:
This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-10 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:
This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-10 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: MI

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 Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Experian has a fraud alert and a phone number that doesnt belong to me that I have to use to validate my identity on my report that I didnt request and is making it difficult to request replacement credit cards because the creditor whats me to validate the my identity on that number that doesnt belong to me Remove unauthorized fraud alert and incorrect phone number 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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Experian has a fraud alert and a phone number that doesnt belong to me that I have to use to validate my identity on my report that I didnt request and is making it difficult to request replacement credit cards because the creditor whats me to validate the my identity on that number that doesnt belong to me Remove unauthorized fraud alert and incorrect phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I am filing this complaint against Blitt & Gaines, P.C., which is attempting to collect an alleged debt on behalf of XXXX XXXX XXXX XXXX 3. They failed to provide proper debt validation before filing a lawsuit against me and have given contradictory information about my case. 

Blitt & Gaines XX/XX/XXXX response to the XXXX XXXX XXXX XXXX XXXX XXXX contains multiple misrepresentations regarding my alleged debt and lawsuit. I am demanding that Blitt & Gaines be held accountable for their failure to follow federal law, misleading statements, and improper debt collection practices. 

Key Issues with Blitt & Gaines Conduct : 1. Failure to Provide Debt Validation Before Filing a Lawsuit On XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX to verify whether they had received a demand letter or validation from Blitt & Gaines. 
XXXX XXXX confirmed they received a collection notice from Blitt & Gaines on XX/XX/XXXX, but they never received a demand letter. 
Blitt & Gaines proceeded to file a lawsuit against me on XX/XX/XXXX, without first providing proper validation. 
2. Inconsistent & Unreliable Debt Amounts The lawsuit filed against me claims I owe {$14000.00}. 
The XX/XX/XXXX letter from Blitt & Gaines states the balance as {$6700.00}. 
The XX/XX/XXXX letter from XXXX XXXX states a balance of {$5400.00}. 
These conflicting figures raise serious concerns about the accuracy and legitimacy of the claim against me. 
XXXX. Unclear Debt Ownership Debt Has Been Sold Multiple Times The alleged debt has been transferred multiple times, making ownership unclear : The original creditor was XXXX XXXX Bank. 
The debt was then assigned to XXXX XXXX XXXX. 
Now, XXXX XXXX XXXX XXXX XXXX claims ownership through Blitt & Gaines.

Blitt & Gaines has not provided proof of legal ownership or assignment.

4. Misrepresentations in Their Response to the XXXX & Lawsuit Conduct In their XX/XX/XXXX response, Blitt & Gaines falsely claimed that I had not responded to their lawsuit. 
However, I filed my court appearance and response on XX/XX/XXXX, which is confirmed through court records. 
This shows that Blitt & Gaines is making misleading statements to justify their lawsuit.

I am requesting that the CFPB investigate Blitt & Gaines, P.C. for : Failing to provide debt validation before filing a lawsuit, violating the FDCPA. 
Filing a lawsuit based on conflicting and unreliable debt amounts. 
Misrepresenting my response status and failing to check court records. 
Providing no proof of legal ownership of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding LLC is illegally re-aging a {$970.00} debt by reporting it as an account opened on XX/XX/XXXX, to XXXX and XXXX. Under 15 U.S.C. 1681c ( a ) ( 4 ) of the Fair Credit Reporting Act ( FCRA ), negative items must be removed after 7 years from the Date of First Delinquency ( DOFD ). 

This debt had already fallen off my credit report between XXXX, as it likely reached its XXXX limit in XXXX. However, in early XXXX, it reappeared on my reports with an artificially reset date. 

I requested LVNV Funding LLC to provide a detailed timeline of when this debt was purchased and first reported, but they have failed to provide any documentation. This is a clear violation of the FCRA, and I am requesting immediate removal of this account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Writing to formally request the removal of employers information and Social Security Number ( SSN ) details from my consumer report pursuant to federal and consumer compliance laws, including but not limited to the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). Legal Basis for Request Fair Credit Reporting Act ( 15 U.S.C. 1681c ) : The inclusion of my employers information and full or partial SSN in consumer reports without my explicit consent is not required for creditworthiness assessment. The FCRA requires consumer reporting agencies to ensure that only accurate, necessary, and legally permissible information is reported. Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) : Under the GLBA, non-public personal information ( NPI ), including employers data and SSNs, must be safeguarded and not be shared without proper consent. Data Privacy Compliance : Consumer reporting agencies must take reasonable measures to protect sensitive consumer information from unauthorized distribution and exposure. My employers and SSN information fall under protected data categories that require stringent compliance standards.

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 2025-02-10 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: MI

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$44000.00}

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 2025-02-10 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: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, Equifax, Trans union immediately! 
XXXX XXXX XXXX {$530.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  {$2100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX {$2900.00} XX/XX/XXXX 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, Equifax, Trans union immediately! 
XXXX XXXX XXXX {$530.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  {$2100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX {$2900.00} XX/XX/XXXX 2019

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 2025-02-10 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: FL

Complaint narrative:
I am writing to formally dispute the handling of my student loan information due to potential violations of the Family Educational Rights and Privacy Act ( FERPA ) and the Privacy Act of 1974. I recently became aware that my educational records were disclosed without my consent, which I believe violates my rights under both FERPA and the Privacy Act.

According to FERPA regulations, educational institutions and associated parties are required to obtain written consent from the student before disclosing personally identifiable information from education records, except under certain legally defined circumstances. Similarly, the Privacy Act of 1974 mandates that federal agencies protect individuals ' records and not disclose information without consent unless under specific exceptions. 

I kindly request the following actions be taken immediately : A thorough investigation into the unauthorized disclosure of my educational records and personal information.

A detailed written explanation of how my information was shared, including the parties involved and the justification for the disclosure.

Immediate corrective actions to prevent further unauthorized access to my records.

Documentation confirming the rectification of this violation and assurances of compliance with FERPA and the Privacy Act of 1974 regulations moving forward. 
A formal demand for the deletion of any improperly disclosed information from all relevant records and systems, as my rights under FERPA and the Privacy Act of 1974 have been violated.

Please consider this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ) as well, if applicable, given that the unauthorized disclosure may have affected my credit or loan status.

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 2025-02-10 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: Global Lending Services LLC
State: FL

Complaint narrative:
I checked my credit report because I got a letter saying that my credit was involved in a security breach. Once I checked my credit I realize there was a few things on there that was incorrect such as XXXX credit inquiries from XX/XX/year> to currenta repossession for global lending. It shouldnt even be reporting on my report because its over the XXXX years but for some reason, I have been asking for documentation of this date I have yet to be received When I called the company stated that they currently had no documentation for me to speak to the credit bureau.

Company response to consumer: Closed with explanation