vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Credit Report Information Dear Credit Bureau Representative I am writing to formally dispute inaccurate information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified several inaccuracies that are negatively affecting my credit profile. Per my rights under 16 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ), I am requesting an immediate investigation and removal of the erroneous information. 

The specific inaccurate information is as follows : 1. US DEPARTMENT OF EDUCATION XX/XX/year> {$4000.00} 2. US DEPARTMENT OF EDUCATION XX/XX/year> {$7300.00} Under 16 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure the accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ), upon being notified of a dispute, the credit bureau must investigate the accuracy of the reported information and correct any inaccuracies in a timely manner. 

I have attached copies of relevant documents ( e.g., statements, proof of payment, identity verification documents ) to support my claim. Please remove or correct the inaccurate information immediately and provide written confirmation of the corrections. If the disputed information can not be verified, I expect it to be deleted in accordance with the FCRA. 

Please respond to my request within the legally required timeframe. If this matter is not resolved promptly, I am prepared to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

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

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-02-11 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: ProCollect, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Credit Report Information Dear Credit Bureau Representative I am writing to formally dispute inaccurate information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified several inaccuracies that are negatively affecting my credit profile. Per my rights under 16 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ), I am requesting an immediate investigation and removal of the erroneous information. 

The specific inaccurate information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$7300.00} Under 16 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure the accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ), upon being notified of a dispute, the credit bureau must investigate the accuracy of the reported information and correct any inaccuracies in a timely manner.

I have attached copies of relevant documents ( e.g., statements, proof of payment, identity verification documents ) to support my claim. Please remove or correct the inaccurate information immediately and provide written confirmation of the corrections. If the disputed information can not be verified, I expect it to be deleted in accordance with the FCRA.

Please respond to my request within the legally required timeframe. If this matter is not resolved promptly, I am prepared to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

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

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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.

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 2025-02-11 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: CA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( XXXX U.S.C. XXXX ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( XXXX U.S.C. XXXX ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( XXXX U.S.C. XXXX ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX XXXX XXXX XXXX  ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: TX

Complaint narrative:
I am writing to file a formal complaint and urgently request the blocking of fraudulent information appearing on my TransUnion credit report, pursuant to the Fair Credit Reporting Act ( FCRA ) XXXXB ( XXXX U.S.C. XXXX ). This complaint mandates that you remove fraudulent information within four business days of receipt. 

Details of Fraudulent Information : Apartment Lease : XXXX XXXX XXXX : Opened XX/XX/XXXX, discovered fraudulent on XX/XX/XXXX. 
Utility Accounts : XXXX XXXX : Opened XX/XX/XXXX XXXX XXXX XXXX : Opened XX/XX/XXXX, discovered fraudulent on XX/XX/XXXX. 
XXXX XXXX : Opened XX/XX/XXXX. 
XXXX XXXX Account XXXX XXXX XXXX XXXX : Opened XX/XX/XXXX. 

Hard inquiries : XXXX XXXX  XXXX XXXX These unauthorized accounts have led to numerous fraudulent hard inquiries and collections on my consumer credit report, thereby damaging my financial reputation and mental well-being. 

Attached Documents : A copy of the FTC Identity Theft report. 

These accounts and inquiries were not authorized by me and are a direct result of identity theft. It is crucial that these items be blocked from my credit report to ensure the accuracy of my financial records and to stop further damage to my credit 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 2025-02-11 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: HI

Complaint narrative:
Recently, I got an alert that there had been an inquiry on my credit report. On the credit report, it showed that a hard inquiry had been made to XXXX XXXX. I called XXXX XXXX and they said no accounts had been opened. I have filed for disputes with XXXX online. I called Transunion and they directed me to FTC for an identity report. The inquiry information on the credit report has an old address and an incorrect phone number on it.

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 2025-02-11 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: NY

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: NY

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 non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year>, I made three transactions on my U.S. Bank Smartly Visa Signature card. One was to VA for {$1600.00} ; One was to XXXX for {$6.00}. On XX/XX/year>, I made a purchase with XXXX for {$160.00}. All transactions were linked to a statement dated XX/XX/year>. 

Despite all other transactions on the same statement earning at the correct 4 % ( 2 % base, 2 % bonus ) level, these three only earned 3 % ( 2 % base, 1 % bonus ). A picture of the three transactions and rewards earned is attached. 

{$36.00} is missing in credit that needs to be added to my account to reflect the 4 % rewards level for the three transactions in question. 

I qualify for the 4 % rewards level as I have the required assets ( XXXX ) in a linked brokerage along with savings and checking accounts. All transactions preceding and following these three earned at the correct rate ( 4 %, or 2 % base and 2 % bonus for the assets ). 

I called U.S. Bank 5-6x in total over several weeks trying to resolve the issue by getting the missing rewards credited to my account. For the initial first call or two, I was simply transferred to a person who filed a report requesting an appropriate department research the three transactions with the incorrect rewards earning amount. U.S. Bank said the research and resolution would take a month. After following up, I was told a letter was dispatched with an answer on XX/XX/year>. No change in rewards was ever made. 

On XX/XX/XXXX, I received the letter. It was a generic boilerplate letter letting me know about the U.S. Bank Smartly Visa Signature 's rewards structure. It is attached as a picture. 

NOTHING was mentioned about my three transactions, any research findings, nor results. I was not told why these three transactions in particular only earned at 3 % when everything else earned correctly at the 4 % level. 

I'm quite disappointed in U.S. Bank, having to take this course of action. Their system is incapable of resolving this matter to my satisfaction. They are incapable of addressing an error nor telling me why the error occurred.

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 2025-02-11 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: SC

Complaint narrative:
I am writing to request of the information contained in my credit in accordance with 15 U.S. Code & 1681i- Procedure in case of disputed accuracy, and 15 U.S. Code & 1681e ( b ) - compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

Bellow are the accounts I am requesting to be reinvestigated : Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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:
Consumer Name : XXXX XXXX, Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 ADDRESSE- XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX EMPLOYMENT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS XXXX  XXXX opened XX/XX/XXXX account # XXXX balance : {$980.00} XXXX  opened XX/XX/XXXX account # XXXX Balance : {$310.00} XXXX XXXX XXXX opened XX/XX/XXXX account # XXXX Balance : $ XXXX XXXX  opened XX/XX/XXXX account # XXXX Balance : {$0800.00} XXXX  XXXX  opened XX/XX/XXXX account # XXXX Balance : {$240.00} XXXX opened XX/XX/XXXX account # XXXX Balance : {$520.00} XXXX  XXXX  opened XX/XX/XXXX account # XXXX Balance : {$12.00} XXXX XXXX XXXX  opened XX/XX/XXXX account # XXXX balance : {$190.00} XXXX XXXX XXXX opened XX/XX/XXXX account # XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX account # XXXX Balance : {$1500.00} INQUIRES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

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 2025-02-11 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: TX

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

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 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Date : XX/XX/year> Amount : {$3000.00} Company : Navy Federal The company restricted my account thinking their may be fraudulent activity. Once I called in, and verified its me, they restricted my bank account more. They locked me out of my online banking, and XXXX. XXXX lied, and told me my account is open with access to my funds. All this because my XXXX is not updated. 

Now I have no access to my money, because my XXXX isnt updated.

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 2025-02-11 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 a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief