vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-26 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: CA

Complaint narrative:
The bankruptcy information currently displayed on my credit report is not only incorrect but highly misleading. The case purportedly indicated as valid and accurate is unequivocally incorrect. There has never been a case brought before a judge, and consequently, there is absolutely NO JUDGMENT associated with it. The absence of a judgment signifies the absence of a casea fundamental legal principle seemingly overlooked in your reporting. 
It perplexes me how a case that was never presented in court is now being reported as valid on my credit file. I insist that this erroneous account be immediately removed from my credit report. Failure to address this matter urgently will leave me with no alternative but to pursue legal action. Please be informed that I have already sought advice from my attorney, and if this issue persists beyond 30 days from the date of this letter, federal action will be initiated against the responsible party. 
XXXX XXXX XXXX CA XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: VA

Complaint narrative:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent The last letter to the 3 credit bureaus but never received a response from them. These items must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against you if you do not validate these items. Please follow the law to resolve this matter as soon as possible. 


XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$3400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$1000.00} 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 2024-03-26 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: NC

Complaint narrative:
I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$920.00} XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$1000.00} XXXXXXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXXXXXX Balance Owed : {$920.00} XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$69.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$240.00} XXXX XXXX Balance Owed XXXX {$690.00} XXXX XXXXXXXX Balance Owed : {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-03-26 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: NC

Complaint narrative:
I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 

XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX Balance Owed : {$920.00} XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX  XXXX Balance Owed : {$920.00} XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$69.00} XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX Balance Owed : {$690.00} XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: AZ

Complaint narrative:
I am writing to express my continued frustration and disappointment regarding the ongoing failure to remove fraudulent items from my account, despite multiple attempts and escalating complaints. Despite my persistent efforts and cooperation, the fraudulent charges persist, causing significant financial and emotional distress. 

Conduct a thorough investigation into the origin and nature of the fraudulent charges. 
Promptly remove all unauthorized charges from my account and ensure the reversal of any associated fees or penalties. 
Provide a detailed account of the steps taken to address the fraudulent activity, including an explanation for the persistent delays in resolution. 
Implement stringent security measures to prevent similar incidents from occurring in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX Balance Owed : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$270.00} XXXX XXXX XXXX Balance Owed : {$270.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$270.00} 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 non-monetary relief
Consumer complaint received 2024-03-26 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: AZ

Complaint narrative:
I am writing to express my continued frustration and disappointment regarding the ongoing failure to remove fraudulent items from my account, despite multiple attempts and escalating complaints. Despite my persistent efforts and cooperation, the fraudulent charges persist, causing significant financial and emotional distress. 

Conduct a thorough investigation into the origin and nature of the fraudulent charges. 
Promptly remove all unauthorized charges from my account and ensure the reversal of any associated fees or penalties. 
Provide a detailed account of the steps taken to address the fraudulent activity, including an explanation for the persistent delays in resolution. 
Implement stringent security measures to prevent similar incidents from occurring in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX Balance Owed : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$270.00} XXXX XXXX XXXX Balance Owed : {$270.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$270.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: BRite Financial Services, Inc.
State: MI

Complaint narrative:
I have repeatedly sent letters to the creditor Brite Financial. I have sent multiple letters requesting to exercise my right to opt out and the company never responded last letter was sent XX/XX/XXXX. The account is reporting as a charge off which means the company received a tax break on the debt which now makes the debt a certificate of indebtedness. Per the IRS Publication 4681 states reporting cancelled debts as income, Generally canceled debts must be reported as income on your tax return, and you may receive a form 1099-c from the creditor reporting the canceled debt amount to the IRS and to you. I have not received a 1099c from Brite Financial. I have also sent a letter to opt out of the account reporting. The company continue to report the account disregarding the letter I as the consumer sent to opt out. This is also a violation of the Privacy Act of 1974 which aims to protect rights of individuals by regulating how federal agencies collect, maintain, use, and disclose personal information, including provisions related to sharing personal information to third parties. Brite Financial stated they will not share my information with any third party affiliates but yet the credit reporting agencies have my information without my consent. Account listed below BRITE FINAN Account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: VA

Complaint narrative:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent The last letter to the 3 credit bureaus but never received a response from them. These items must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against you if you do not validate these items. Please follow the law to resolve this matter as soon as possible. 


XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to formally request that you immediately cease and desist all communication related to the alleged debt referenced in your correspondence dated XX/XX/2024, which I received on XXXXThis letter is in response to the aforementioned communication. 

I dispute the validity of the debt you claim I owe to Navy Federal Credit Union, Account Number XXXX, in the amount of {$25000.00} and {$36000.00}. I believe that there are significant inaccuracies and discrepancies in the information you have provided regarding this debt. I have taken steps to review my records, and I have reason to believe that this alleged debt is not accurate or valid. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws, I request that you provide me with the following information : 1. A detailed breakdown of the alleged debt, including the original creditor 's name, the original account number, the date of the last payment made, and a complete transaction history.

2. Copies of any agreements or contracts that substantiate this debt and prove my liability ( including signed promissory note ) 3. Verification of your authority to collect this debt from me. 
4. Verification that you could take money out of my account without permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those 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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-03-26 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: FL

Complaint narrative:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must REMOVE the following accounts from my file. 
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 non-monetary relief
Consumer complaint received 2024-03-26 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: FL

Complaint narrative:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must REMOVE the following accounts from my file. 
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 non-monetary relief
Consumer complaint received 2024-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed 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 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 non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: MA

Complaint narrative:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-03-26 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: CA

Complaint narrative:
I am writing to formally dispute the presence of [ specific item, e.g., bankruptcy ] on my credit reports with XXXX, XXXX, and TransUnion, as reported under XXXX XXXX. XXXX. It has come to my attention that this information is being reported inaccurately and is in violation of the Fair Credit Reporting Act ( FCRA ) code 611 ( 15 U.S.C code 1681I ).

As per FCRA code 611, any information that does not comply with the accuracy requirements must be promptly deleted from all credit bureau records. Therefore, I request that you investigate this matter and delete the inaccurate information from my credit reports with XXXX, XXXX, and TransUnion. 

I kindly request that you review this dispute and work with XXXX, XXXX, and TransUnion to delete the inaccurate information from my credit reports as soon as possible. 

Thank you for your attention to 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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the presence of [ specific item, e.g., bankruptcy ] on my credit reports with XXXX, Equifax, and XXXX, as reported under XXXX XXXX. XXXX. It has come to my attention that this information is being reported inaccurately and is in violation of the Fair Credit Reporting Act ( FCRA ) code 611 ( 15 U.S.C code 1681I ). 

As per FCRA code 611, any information that does not comply with the accuracy requirements must be promptly deleted from all credit bureau records. Therefore, I request that you investigate this matter and delete the inaccurate information from my credit reports with XXXX, Equifax, and XXXX. 

I kindly request that you review this dispute and work with XXXX, Equifax, and XXXX to delete the inaccurate information from my credit reports as soon as possible. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation