vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 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: AL

Complaint narrative:
I am writing to formally dispute inaccurate or incomplete information on my credit report that is being reported by Experian.The disputed entry relates to, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts are inaccurately reported and do not reflect the correct status of my credit history. Despite my previous efforts to dispute these accounts with the respective entities, the inaccurate information remains on my credit report. This ongoing issue is a direct violation of the Fair Credit Reporting Act ( FCRA ), and I am asserting that this situation reflects negligence and non-compliance under Section 1681o of the FCRA.

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, I have the right to dispute information that I believe to be inaccurate, and your organization is required to investigate and respond within a reasonable timeframe. Despite my previous attempts to dispute this matter and your failure to conduct an adequate investigation or provide a satisfactory resolution, the incorrect information remains on my credit report. This is a clear violation of the provisions outlined in the FCRA. 
I formally demand that you review the disputed information immediately, investigate it thoroughly, and provide me with a written response that includes the findings of your investigation. If you can not verify the disputed information or if it is shown to be inaccurate, I expect it to be removed from my credit report promptly. 
Thank you for your immediate attention to this matter. I look forward to your prompt and satisfactory response.

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 2025-02-17 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: WI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had a fraudulent account. Please remove this account, it is hurting my ability to obtain credit.

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 2025-02-17 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:
I wrote a dispute letter to Equifax with a colored copy of my id and social security card and copy of my lease on XX/XX/year> Asking them to investigate some things on my credit report that are inaccurate not only did Equifax not investigate they didnt send me any information about the investigation no contracts or purchase agreement no nothing I know they have been going through legal issues about improper investigations I know they are doing it to me it has been thirty days and still nothing from them on investigation copies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: WA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-02-17 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: WA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-02-17 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: IL

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XX/XX/year>

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 2025-02-17 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:
Subject : Urgent Request for Immediate Deletion of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute the fraudulent accounts and inquiries that appear on my credit report as a result of identity theft. Attached is a copy of my FTC Identity Theft Report ( Report Number : XXXX ), which serves as official proof that I am a victim of identity theft. 

Fraudulent Accounts & Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) In accordance with 15 U.S.C. 1681c-2 ( Blocking of Information Resulting from Identity Theft ), I am requesting the immediate deletion of these fraudulent accounts and inquiries from my credit report. Under this law, you are required to block this information upon receipt of appropriate documentation, and I have provided my FTC Identity Theft Report as sufficient evidence. 

Additionally, under 15 U.S.C. 1681s-2, the credit bureaus must ensure the accuracy of credit reports. Reporting different account statuses across the three bureaus constitutes inaccurate reporting, further violating federal law.

Actions Required : 1. Immediately remove all fraudulent accounts and inquiries listed above from my credit file.

2. Provide written confirmation that these items have been permanently deleted.

3. Refrain from reinserting any fraudulent information into my report. 

Failure to comply will result in my filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory agencies. I am also prepared to take legal action to enforce my rights under federal law. 

This letter serves as my official notice. I expect compliance within the legally mandated timeframes. Please confirm receipt of this dispute and provide a response in writing. 

Sincerely, 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 2025-02-17 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: OH

Complaint narrative:
Subject : Urgent Request for Immediate Deletion of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute the fraudulent accounts and inquiries that appear on my credit report as a result of identity theft. Attached is a copy of my FTC Identity Theft Report ( Report Number : XXXX ), which serves as official proof that I am a victim of identity theft. 

Fraudulent Accounts & Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) In accordance with 15 U.S.C. 1681c-2 ( Blocking of Information Resulting from Identity Theft ), I am requesting the immediate deletion of these fraudulent accounts and inquiries from my credit report. Under this law, you are required to block this information upon receipt of appropriate documentation, and I have provided my FTC Identity Theft Report as sufficient evidence. 

Additionally, under 15 U.S.C. 1681s-2, the credit bureaus must ensure the accuracy of credit reports. Reporting different account statuses across the three bureaus constitutes inaccurate reporting, further violating federal law.

Actions Required : 1. Immediately remove all fraudulent accounts and inquiries listed above from my credit file.

2. Provide written confirmation that these items have been permanently deleted.

3. Refrain from reinserting any fraudulent information into my report. 

Failure to comply will result in my filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory agencies. I am also prepared to take legal action to enforce my rights under federal law. 

This letter serves as my official notice. I expect compliance within the legally mandated timeframes. Please confirm receipt of this dispute and provide a response in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: OH

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 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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inclusion of a bankruptcy entry on my credit report, which I believe is inaccurate and has not been properly verified. 

This information is incorrect because I have never filed for bankruptcy. I am requesting that Experian conduct a thorough investigation into this matter and provide me with documentation or proof of verification that supports the validity of this entry. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute inaccurate or unverifiable information on my credit report. Specifically, Section 1681e ( b ) requires credit reporting agencies to " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' The inclusion of an unverified bankruptcy on my report violates this provision. 

Furthermore, Section 1681i ( a ) of the FCRA mandates that credit reporting agencies must conduct a reasonable reinvestigation of disputed information within 30 days and remove or correct any information that can not be verified. Courts have consistently held that credit reporting agencies must take reasonable steps to ensure the accuracy of reported information. For example, in *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), the court emphasized that credit reporting agencies can not rely solely on automated systems or unverified data and must take meaningful steps to investigate disputes. 

Additionally, in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ), the court ruled that credit reporting agencies have a duty to correct inaccuracies and can not simply rely on furnishers of information without conducting their own investigation. 

Given these legal precedents, I request that Experian : 1. Conduct a thorough investigation into the bankruptcy entry and provide me with a detailed description of the procedures used to verify its accuracy.

2. Provide copies of any documents used to verify the bankruptcy.

3. Remove the bankruptcy entry from my credit report immediately if it can not be verified.

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 2025-02-17 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: NJ

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-02-17 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: NJ

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: CO

Complaint narrative:
With it being the new year and after having dealt with major health issues over the last year, I decided to make it my goal to get my financial affairs in order. In doing so, I noticed when my pulled my credit report, I had several items on my account that I DID NOT make. I can not tell you if this was a result of an ex-husband getting revenge towards my credit or if someone actually taken control and took out the loans. I state this because this account listed, Opp Loans, account XXXX, in the amount of XXXX, dated back to XX/XX/year> with a last payment of XXXX and then charged off/collection I guess after 9 months. I have XXXX idea as to this information yet I can promise you that I did not make it. On XX/XX/year>, I moved XXXX XXXX XXXX XXXX XXXX, XXXX miles away with very little money and just enough clothes to fit in a small carry on bag to start over at XXXX XXXXears of age following a very XXXX XXXX XXXX marriage. Because of that, he caused so much pain with any area he could. So again, I do not know where this came from nor do I have any paperwork to provide you but it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: NY

Complaint narrative:
After inspecting my credit report, I noticed a mistakes. The three credit bureaus are required to validate this account per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

Reporting unverified information without proof within the legal period is not allowed.

Please investigate and correct the account listed on my credit report : I appreciate your prompt action to update or correct these reporting accounts. If you do not comply with this request, immediate repair of the accounts is necessary. 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 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
In XXXX of XXXX I mailed out two checks both were {$500.00} ( {$1000.00} ) and one was to pay off a credit card for chase bank and one was to pay off another card but was discover. I drop them in a drop in box at the United States Post Office to mail them. Everything went normal till I received a call on XXXX, XXXX from a detective in my local police department ( XXXX XXXX, GA ). The detective told me that my checks were stolen and were stolen from a worker from the post office. The worker there cashed those checks. So after that I went to my bank ( Chase ) to get this situation resolved. I did some paperwork and documents. After that Chase bank kept wanting me to do more paperwork and more. After all that, going to the bank and doing paperwork. I received ONE check for XXXX on XXXX, XXXX and that XXXX was from the check that I needed to pay off my credit card bill ( Chase ). I go to the bank to see where the other XXXX is and they said they are still working on it. On XXXX, XXXX, I go to my bank just to find out Chase tried to drop my case. The teller at the bank help me call a supervisor at chase to open my case up again. They said the closed it because the check was cashed in more than 6 months. So I told the supervisor to open my case up because It shouldnt take this long to dispute this check. So she reopened it and apologised. After that on XXXX I received a letter in the mail that they didn't want to give back the XXXX because this case was more than 6 months. So I stopped and gave up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: MS

Complaint narrative:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-02-17 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: MS

Complaint narrative:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief