vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 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: OK

Complaint narrative:
Im beyond frustrated that this is still going on. These accounts in pending litigation should never have been reported on my credit in the first place. Ive contacted you repeatedly, and despite my efforts, theres been no action taken to fix the issue. Every day this goes unresolved, my credit score takes a hit, and its seriously affecting my financial future.

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 2025-02-12 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: CA

Complaint narrative:
I am writing to report unauthorized credit inquiries on my credit report and request their removal, as I have been a victim of identity theft. The following inquiries were made without my knowledge or consent : XXXX XXXX on XX/XX/XXXX XXXX via XXXX on XX/XX/XXXX I have already taken steps to secure my identity and prevent further fraud. Please advise me on the necessary steps to dispute and remove these inquiries.

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 2025-02-12 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: OK

Complaint narrative:
Im beyond frustrated that this is still going on. These accounts in pending litigation should never have been reported on my credit in the first place. Ive contacted you repeatedly, and despite my efforts, theres been no action taken to fix the issue. Every day this goes unresolved, my credit score takes a hit, and its seriously affecting my financial future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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:
Equifax has repeatedly violated the Fair Credit Reporting Act ( FCRA ) by re-inserting the same disputed accounts multiple times without proper verification. This is a clear violation of FCRA 611 ( a ) ( 5 ) ( B ), which requires Equifax to notify me in writing within five business days when re-inserting a previously deleted account. They have failed to do this each time. 
The fraudulent XXXX XXXX XXXX accounts were disputed, deleted, and then reinserted multiple times without proper certification or notification. This has happened several times over the past few weeks, despite my repeated disputes and supporting documentation proving these accounts are fraudulent. 
Each time I dispute, Equifax temporarily removes the accounts but then reinstates them within days, claiming the lender is reporting them. However, under FCRA 611, Equifax is required to verify the accuracy of information before re-inserting it, and they have failed to do so.

Equifaxs Violations of Federal Law : FCRA 611 ( a ) ( 5 ) ( B ) : Equifax failed to provide proper written notice when reinserting deleted accounts.

FCRA 623 : Equifax is continuing to report fraudulent information that they were already notified was inaccurate. 
FCRA 616 & 617 : Willful noncompliance with the FCRA, making Equifax liable for damages.

How This is Harming Me : I am in the middle of purchasing a home, and these fraudulent accounts are negatively impacting my credit score and mortgage approval.

Equifaxs repeated failures are causing financial harm and unnecessary stress.

Actions I Have Taken ( Which Equifax Has Ignored ) : I have sent multiple dispute letters demanding permanent removal. 
I have provided proof that these accounts do not belong to me. 
I have filed complaints with the XXXX and attempted to escalate to Equifaxs executive team. 
Each time the accounts are removed, they are illegally reinserted without proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: IL

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

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 2025-02-12 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: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

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 2025-02-12 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:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting.

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


Account Name : XXXX XXXX XXXX XXXX  -- Opened on XXXX Account Name : XXXX  XXXX # XXXX -- Opened on XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these personal information that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the personal information that needs to be updated. These companies have refused to do work on disputes even though they're required by the law to do so. 

Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2025-02-12 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: NC

Complaint narrative:
my personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of XXXX  records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 
Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my XXXX  loan debt in full.

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 2025-02-12 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: MD

Complaint narrative:
Im writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred despite having sufficient funds when transactions were authorized, I was charged fees due to lack postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transaction settled with is sufficient balances, despite initially available funds, I believe these practices are unfair and request an investigation into my account transactions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Name : XXXX XXXX Also Known As : XXXX XXXX Former : XXXX XXXX Date of Birth : XX/XX/year> Current Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX Employers : 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 2025-02-12 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 am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Name : XXXX XXXX Also Known As : XXXX XXXX Former : XXXX XXXX Date of Birth : XX/XX/year> Current Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX Employers : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: FL

Complaint narrative:
I recently became aware of the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against XXXX, highlighting concerns about inaccurate credit reporting and dispute handling. Unfortunately, I believe I've been directly affected by XXXX 's practices. Despite my earlier dispute, I received a response stating that the accounts were " verified. '' However, I strongly disagree with this outcome and believe that XXXX 's investigation was inadequate. The CFPB lawsuit reinforces my concerns about XXXX 's handling of consumer disputes. I'm requesting that you re-examine my dispute, considering the new information and the CFPB 's findings. 

Would you like to be apart of the lawsuit

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 2025-02-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Brett M. Borland, P.C.
State: PA

Complaint narrative:
I rented an apartment with XXXX XXXX XXXX about 2 years, during the final year of my lease ( XXXX ) they switched owners, raised the rent, fired several workers, and began neglecting the building & units maintenance request. Due to an ongoing water leak starting on the 10th floor my bathroom ceiling fell in on the 4th floor. I lived with a gaping hole in my bathroom for 2 months while constantly reaching out the building and submitting maintenance request. It was until I emailed management the photos of my living conditions, including the growing mold, the water leak, and gapping hole in the ceiling, thats only when the building sent a worker to cover the hole and paint over the mold. A few months later my ceiling fell in again, I reached out to a lawyer for some legal advice & they suggested I put my rent in an escrow account until the issues with my apartment/building were handled. For three months my rent sat in escrow, while I reached out to the building for assistance they were unreachable by phone, no one was ever down in the leasing office, and Ive sent several emails at this point instead of addressing the issue I get a paperwork taped to my door stating I was being evicted due to unpaid rent, my lawyer and I went to court XX/XX/year>, he met wirh the buildings lawyer and they decided judgment by agreement due to the severe nature of the building, the rodent infestation, one functional elevator, and the 43 open violations from the city, that no money would be owed or due to XXXX XXXX XXXX I could remain in my apartment for an additional month without pay while I made the to my new one. I moved out a month later, both parties in agreement that my previous balance was now XXXX, a few months later I began receiving calls, emails, & letters from the law office of Brett M Borland stating I had a previous balance with XXXX XXXX XXXX in the amount of XXXX. I informed them that this account was settled in ligation, his information was inaccurate, and that this was in an illegal attempt at debt collection for debt I did not owe. Several times I was hung up on the phone by multiple representatives, Ive emailed court documentation supporting my claims they are left unresolved and unresponsive, Ive sent copies of the court documents and letters requesting this company delete the inaccurate information reported to my consumer report without my consent they refuse to acknowledge any attempt of fixing this error. This company is completely unethical and unprofessional they continuously ignore communications, they are very rude to customers as well Ive reported them to the XXXX as well there comments are filed with other customers complaining about their services, same with XXXX I dont know what else I can do to have this error fixed its impacting my consumer report my credit scores has completely dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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 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 XXXX XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX 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 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 2025-02-12 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XX/XX/2023 Experian 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any 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 inform
ation 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-12 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: MD

Complaint narrative:
My bank accounts will show I pay all my bills on time. But past accounts are still showing open or balance due. To include the reporting bureaus who have not purged old accounts from the report. There are far too many old accounts still showing open or if closed still on the report. My current accounts are all paid on time and as such my scores should be XXXX or better easy. These bureaus are not doing their simple task and really should all go away. Banks now have more access without needing these 3. However I would just request that they reflect my account correctly. 

I thank you for your service in this. I have tried getting this done all last summer of 2024. I should only have XXXX, for credit card in good standing. XXXX XXXX, XXXX and XXXX for auto loans. XXXX  XXXX XXXX was charged off but I have been paying the balance still. They really should not be charging me anything but I do pay them monthly so that should also be in good standing plus close paid in full I think it is a scam they charge it off then come for the money anyway. That is double dipping. But those accounts should all show in great standing no missed payments. And nothing else should be on my report. So my credit should be excellent. But the bureaus are not updating my account and score correctly. 

Please help in this as I am trying to purchase a house. Sigh.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: FactorTrust, Inc.
State: CA

Complaint narrative:
XXXX XXXXXX/XX/XXXX XXXX CA XXXX XXXX XXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXXXX/XX/XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with non-monetary relief