vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer 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 TransUnion, XXXX, 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 consists of a 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 # ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-01-22 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: VA

Complaint narrative:
I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX XXXXXXXX ], are not complete and accurate. 

[ XXXX XXXX XXXXXXXX ], open date is not reporting correctly, date of last active, report date, high balance amount, this account is not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: VA

Complaint narrative:
I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX XXXXXXXX ], are not complete and accurate. 

[ XXXX XXXX XXXX XXXX  open date is not reporting correctly, date of last active, report date, high balance amount, this account is not accurate

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 2025-01-22 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: VA

Complaint narrative:
I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ], are not complete and accurate. 

[ XXXX XXXX XXXX  XXXX ] open date is not reporting correctly, date of last active, report date, high balance amount, this account is not accurate XXXX XXXX XXXXXXXX ] open date is not reporting correctly, date of last active, report date, reporting on report ( 2x ) this account is not accurate [ XXXX # XXXX ] open date is not reporting correctly, high balance amount, date last active, report date, last payment date, closed date this account is not accurate XXXX XXXX XXXX XXXXXXXX ] open date is not reporting correctly, date last active, report date, closed date, high balance amount, reporting on report ( 2x ) this account is not accurate

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 2025-01-22 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: IN

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees charged to my account. These fees were assessed despite having sufficient funds at the time the transactions were authorized. However, due to delayed posting charges and credits I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient funds. I believe these practices are deceptive & unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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:
I am a victim of identity theft, This account doesn't belong to me Experian and XXXX has allowed this company to put this on my credit report without a proper investigation.

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing complaint against Equifax as part of the court case brought against them by CFPB. Old information reappearing after I had it removed. allowed previously deleted inaccuracies to be reinserted into credit reports with disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: SC

Complaint narrative:
On XX/XX/year>, I contacted XXXX based on inaccuracies that I found on my credit report. I asked that the company investigate these accounts for validity, inaccuracies, and also to provide me with documented information from their verification process based on FCRA standards. About thirty days later I received updates on my credit report as verified and accurate. I demanded that the company do a reinvestigation based on the lack of evidence in their first investigation. After their reinvestigation, the company provided no method verification on how they determined that the accounts were accurate and complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I REQUSTED additional information about the additional fees that the said was mandatory but after investigation it was not. interest rate was too high accordinlgy to my credit at the time. Charges was suppose to include insurance and was not. Copy of the title was not mailed to me was suppose to be the original they send a copy. I asked for proof they still owned the loan and that was not provided etc. My Warranty was not honored no where but the initial dealership. they did not honor their own in house warranty which is all in the documents listed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
This debt collection agency have been trying to attempt to collect debt for information I have no knowledge about, I have attempted to reach out with information supporting my identity theft situation once again no one has done anything to fix this issue and its stuck on my credit report for something. I have no knowledge about or something that I am not responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
all negative item should be removed ASAP and this is the second time there have been a data breach with my information nothing was investigated no response there either

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc.
State: GA

Complaint narrative:
To whom it concerns, You are in violation of my rights and consumer laws.My personal information was involved in the data breach in which I've advised XXXX, XXXX and XXXX several times.I am a victim of identity theft. Accordingto the CFPB my rights are in violation of : 15 U.S. Code 605 15. U.S.Code 6801 15 USC1692c 15. U.S.C 6802 You are in violation of my rights. 


CC : FTC CC : CFPB Please delete the following inaccuracies immediately : XXXX XXXX XXXX- {$0.00} XXXX XXXX XXXX XXXX - {$2900.00} XXXX - {$18000.00} XXXX XXXX - {$20.00}, XXXX XXXX XXXX XXXX group/ reporting closed but acct type says open

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
To whom it concerns, You are in violation of my rights and consumer laws.My personal information was involved in the data breach in which I've advised XXXX, XXXX and XXXX several times.I am a victim of identity theft. Accordingto the CFPB my rights are in violation of : 15 U.S. Code 605 15. U.S.Code 6801 15 USC1692c 15. U.S.C 6802 You are in violation of my rights. 


CC : FTC XXXX : CFPB Please delete the following inaccuracies immediately : PDQ SERVICES INC- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting closed but acct type says open

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I sent a letter to XXXX on XXXX from my credit report to send me the information that i signed an agreement with the company Portfolio recovery and they didn't send anything to me but an email saying Before Dispute Account name PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Address identification number PORTFOLIO RECOVERY ASSOCIATES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original creditor XXXX XXXX Account number XXXX .... 
Type Debt Buyer Terms XXXX  Months On record until XX/XX/XXXX Recent balance {$430.00} as of XX/XX/XXXX Credit limit or original amount {$430.00} High balance XXXX XXXX Monthly payment {$0.00} Date opened XX/XX/XXXX Date of status XX/XX/XXXX Responsibility Individual Status Collection account. {$430.00} past due as of XX/XX/XXXX. 

After Dispute Account name PORTFOLIO RECOVERY ASSOCIATES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Address identification number XXXX Original creditor XXXX XXXX Account number XXXX .... 
Type Debt Buyer Terms XXXX Months On record until XX/XX/XXXX Recent balance {$430.00} as of XX/XX/XXXX Credit limit or original amount {$430.00} High balance Not reported Monthly payment Not reported Date opened XX/XX/XXXX Date of status XX/XX/XXXX Responsibility Individual Status Collection account. {$430.00} past due as of XX/XX/XXXX. 
Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX i never signed anything with this company on this acct. I would like this acct to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: GA

Complaint narrative:
I am writing to file a complaint with Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having insufficient 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 2025-01-22 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: PA

Complaint narrative:
This account is fraudulent, and I believe it was opened without my knowledge or consent. I have taken the necessary steps to report this fraud to the appropriate authorities and have filed an identity theft report. A copy of the identity theft report is enclosed for your reference. 

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C.1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear cfpb, I, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts owed are fruad for the following items : XX/XX/XXXX Party Owed : XXXX XXXX Amount : $ {$140.00} Account # XXXX XX/XX/XXXX Party Owed : XXXX Amount XXXX $ {$140.00} Account # XXXX XX/XX/XXXX Party Owed : XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX ) Amount : XXXX {$2300.00} Account # XXXX I am a victim of fraud and this is not my account, and I want it removed immediately under 42 U.S code subsection 12203, Ucc1 308 FCRA, FCRA 15 USC 1681,1692 , 18 USC 1028A, 15 usc 1605 TILA act I am disputing this claim due to : account FRAUDULENT and I Am REQUESTING it to be removed immediately This is my official request to have the aforementioned items to be deleted off my credit report. Enclosed may be additional evidence to support my claim. 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 of 39 605B - 15 U.S.C. 1681c-2 Unauthorized Use of Personal Information : ** If someone illegally obtains your personal details ( such as through a data breach or phishing scam ), they might use it to apply for credit. 2. Creditors Reporting Accounts : ** These unauthorized accounts are reported to credit bureaus by the lender, leading to negative items ( like debt, late payments, or collections ) appearing on your credit report. 3. Aggravated Identity Theft Crime : ** Since your identity was used to commit fraud ( such as applying for credit ), this qualifies as aggravated identity theft under **18 USC 1028A**, which covers identity theft committed by other criminal acts, like fraud. ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO TRANSUNION 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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I reached out to all three credit bureaus to dispute transactions as well as my name addresses, etc., that is not belong to me and they denied my request or kept the information on there

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 2025-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Foris DAX, Inc.
State: MI

Complaint narrative:
I had a crypto.com account in XXXX. I got married and changed my name and phone number, so when I went to access the account I was unable to verify myself. Since I had a new name I simply made a new account. The account worked for about XXXX  months, then suddenly I was not able to make any transfers or withdraws. Conveniently I was still able to deposit money. When I went to set up my wallet for withdraws I kept getting an error message that said my SSN was associated with another account, which was my old account. Since the beginning of XXXX I have been trying to resolve this issue. I have spoken to at least XXXX representatives about it, most of which close the chats before I am even able to get a resolution. I have been transfered to the head departments to rectify this issue. I lastly spoke with someone via email and it took over 20 days to get anywhere. They finally sent an email stating my old account is now retired, but today when I went to log in again and set up my wallet I got the same error message again!!! After nearly 60 days trying to solve this. There is money in there that belongs to me that I can not do anything with while my bills are literally behind and this is completely unfair! I have sent all of my identification to verify myself, I need help I am getting nowhere with this!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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 have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: VA

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time of the transactions were authorized. However, due to delayed posting of charges and credits I was unfairly charged overdraft fees. 
The issues appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe this practice is deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation