vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 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: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
On XX/XX/year>, I sent a letter to Navy Federal Credit Union at their XXXX, VA address regarding a potential violation of the Gramm-Leach-Bliley Act ( GLBA ). The letter requested validation of an alleged debt and proof of my explicit consent for the sharing or handling of my personal financial information. Despite my request, XXXX XXXX XXXX has failed to provide sufficient documentation demonstrating compliance with the GLBA 's Privacy Rule and Safeguards Rule, which require financial institutions to protect consumer information and handle it responsibly. This lack of transparency and validation raises concerns about improper data sharing and potential violations of federal privacy and consumer protection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: NY

Complaint narrative:
Upon reviewing my report the XXXX XXXXXXXX acct on XXXX and Experian are reporting inaccurate.XXXX XXXXXXXX # XXXX, balance XXXX this acct is paid and current. It is reporting as charge off under payment staus and remarks are reporting as chargeoff and derogatory.which is false and defamatory.this misrepresentation must be corrected in 4 business days.change payment status to paid current.fcra violation 15usc 1681c,15usc1681i,15usc1681e.improper comment code.acct status change to close positive from closed derogatory.fcra violation 15usc1681e,15usc1681a,15usc1681i.change comments from chargeoff to paid.fcra violation 15usc1681c,15usc1681g,15usc1681n improper special comment code.legal violations defamation of character.negligent enchantment of identity fraud.violation under 15usc1681 n civil liability for negligent noncompliance.failure to comply with 15usc1682g.15usc1681b permissible purpose of consumer report.

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 2024-12-13 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-12-13 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: MD

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC for failing to meet their legal obligations under the Fair Credit Reporting Act ( FCRA ) regarding multiple disputed items on my credit report. Despite submitting a detailed dispute letter on XX/XX/XXXX and XX/XX/XXXX Equifax has not corrected or removed outdated, inaccurate, or unverifiable information. These errors have caused harm to my credit profile, and XXXX inaction violates the FCRAs requirements for accuracy, transparency, and verifiability. 

Disputed Items Bankruptcy Filing ( Case # XXXX ) : -Equifax XXXX reporting a public record bankruptcy with insufficient verification. 
-I requested Equifax disclose the source of this information and whether it was obtained directly from the court or through a third-party provider, as required under FCRA 609 ( e ).

-Equifax has not provided this information or demonstrated that the record is accurate and directly associated with me. 

XXXX Bank XXXX ( Account # : XXXX ) : This account is reported as negative due to its inclusion in my alleged bankruptcy. 
No updates or verifications have been provided since XX/XX/XXXX, rendering the information outdated and unverifiable under FCRA XXXX ( a ) ( XXXX ). 

XXXX XXXX ( Account # : XXXX ) : Similarly listed as negative due to its alleged inclusion in the bankruptcy. 
Equifax has not updated or verified this accounts accuracy, making it unverifiable and in violation of FCRA standards. 

Closed Accounts ( XXXX XXXX XXXX, and XXXX XXXX ) : These accounts are listed as Closed by XXXX XXXX. 
If this information is inaccurate ( e.g., the closures were initiated by me ), I requested Equifax correct the remarks to Closed by Consumer under FCRA 1681e ( b ). 
Equifax has not verified or corrected these accounts. 

XXXX XXXX Failure to Verify Information : -Equifax has not provided evidence verifying the disputed items, including sources, investigation procedures, or proof of accuracy.

Failure to Remove Unverifiable Items : -Under FCRA 611 ( a ) ( 5 ), Equifax is required to delete information that can not be verified.

The accounts listed above, along with the bankruptcy, remain on my report despite lacking sufficient evidence. 

Failure to Maintain XXXX XXXX : -Equifaxs continued reporting of outdated and inaccurate information violates FCRA 1681e ( b ), which requires credit reporting agencies to ensure the maximum accuracy of consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: LEXISNEXIS
State: MD

Complaint narrative:
Description of What Happened : I am filing this complaint against LexisNexis Risk Solutions for failing to comply with the Fair Credit Reporting Act ( FCRA ) in their investigation of a disputed bankruptcy record ( case # XXXX ) reported on my consumer file. Despite my requests for a thorough and transparent reinvestigation, LexisNexis has failed to provide sufficient documentation, specific details, or proper resolution to my dispute. 

On XX/XX/year>, LexisNexis claimed to have mailed me a " standard description of procedure '' in response to my dispute. However, this response was vague, generalized, and failed to meet the requirements under FCRA, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which mandates a specific description of the procedure used to verify disputed information. LexisNexis did not : Provide a copy of the XXXX  record or any evidence directly linking the bankruptcy to my identity. 
Specify the exact steps they took to verify the accuracy of the record. 
Identify any sources or furnishers of information beyond referencing XXXX. 
Further, LexisNexis admitted to disputing this bankruptcy record with XXXX, XXXX, and XXXX on my behalf without my explicit permission or notifying me of their actions beforehand. While this may fall under their FCRA responsibilities, it highlights their lack of transparency and disregard for keeping me informed about critical aspects of my dispute. 

I believe this bankruptcy record is inaccurate. There is a possibility of mistaken identity, clerical errors, or an incorrect association with my Social Security number and address. Despite these concerns, LexisNexis failed to provide any supporting documentation proving their claim that the record is accurate. 

Key Issues : Failure to Provide Evidence : LexisNexis did not supply XXXX  records or other supporting documentation linking the bankruptcy to me. 
Non-Specific Description : They offered only a vague explanation of their procedures instead of case-specific details required by the FCRA. 
Failure to Notify : They disputed the record with credit bureaus without informing me or obtaining my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: NC

Complaint narrative:
Late payments have been incorrectly reported on my credit record, and my previous communications sent over 30 days ago remain unaddressed. Despite requesting validation, I have received no response regarding these disputed transactions, which require immediate investigation and correction.

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 2024-12-13 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: MD

Complaint narrative:
I am filing this complaint against TransUnion for failing to meet their obligations under the Fair Credit Reporting Act ( FCRA ) regarding multiple disputed items on my credit report. On XX/XX/XXXX and XX/XX/XXXX, I submitted a detailed dispute letter identifying several inaccuracies, outdated entries, and unverifiable information. Despite this, TransUnion has not provided sufficient evidence or corrected the errors, violating their responsibilities to ensure accuracy and transparency. 

Disputed Items Bankruptcy Filing ( Case # XXXX ) : -TransUnion continues to report a bankruptcy filing without providing sufficient verification. 
-I requested details about the source of this information, whether it was obtained directly from court records or through a third-party provider. TransUnion has not provided documentation proving this bankruptcy is directly associated with me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : -This account is reported negatively due to its inclusion in my alleged bankruptcy. 
-The information has not been verified or updated since XX/XX/XXXX, rendering it outdated and unverifiable under FCRA 611 ( a ) ( 1 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : -Similarly listed as negative due to its alleged inclusion in the bankruptcy. 
-TransUnion has not demonstrated the accuracy of this account or removed it despite my dispute. 

Closed Accounts ( XXXX XXXX XXXX, XXXX XXXX ) : -These accounts are reported as Closed by XXXX XXXX, which is XXXX XXXX 
-If these closures were initiated by me, I requested TransUnion update the remarks to Closed by XXXX, as required under FCRA 1681e ( b ). 

XXXX XXXX XXXX XXXX : -This account is inaccurately reported as included in my bankruptcy despite being removed from other credit reports for similar inaccuracies. 

XXXX XXXX ( XXXX XXXX XXXX ) : I do not recall authorizing this hard inquiry, and it remains on my report without verification. 

XXXX XXXX XXXX to Verify Information : -TransUnion has not provided sufficient documentation to verify the accuracy of the disputed items. 
-They have failed to demonstrate compliance with FCRA 611 ( a ) by verifying all disputed entries. 

Failure to Remove Unverifiable Items : Under FCRA 611 ( a ) ( 5 ), TransUnion is required to remove any information that can not be verified. Despite this, the bankruptcy and associated accounts remain on my report. 

Failure to Maintain XXXX XXXX : By continuing to report outdated or unverifiable information, TransUnion is violating FCRA 1681e ( b ), which requires maximum accuracy in credit reporting.

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 2024-12-13 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-13 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: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2024-12-13 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: NY

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 2024-12-13 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:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My right to privacy is protected under laws enacted by XXXX to safeguard consumers. By permitting unauthorized access to my financial information, you have not only breached federal statutes but have also trampled on my constitutional rights, causing undue harm and distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: Larry H. Miller Group of Companies
State: AZ

Complaint narrative:
I purchased a XXXX XXXX  from Larry H Miller through XXXX, and discovered that there were XXXX hard inquiries on my credit which has greatly reduced my chances to refinance or obtain credit. 

XXXX ( XXXX ) XX/XX/XXXX, XXXX This hard inquiry is the only one that is valid. 


XXXX XXXX XXXX ( Auto ) XX/XX/year> XXXX XXXX XXXX ( Auto ) XX/XX/year> PRESTIGE FIN ( Finance ) XX/XX/year> These hard inquiries are excessive, and invalid as I was informed they would be soft pulls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 non-monetary relief
Consumer complaint received 2024-12-13 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: RI

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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