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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX I am writing to formally dispute the reporting of a charge-off listed on my credit report, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). This dispute is being submitted in light of the recent CFPB v. XXXX case, which found that XXXX failed to properly investigate and correct errors in credit reports, particularly regarding charge-offs and other negative entries. 

Details of the Disputed Charge-Off : Creditor Name : XXXX XXXX Account XXXX XXXX XXXX Balance : {$5000.00} Creditor Name : XXXX Account Number : XXXX Balance : {$4400.00} According to the findings in CFPB XXXX XXXX, the Consumer Financial Protection Bureau ( CFPB ) alleged that XXXX had systematically violated the FCRA by failing to thoroughly investigate disputes and by continuing to report inaccurate information about consumer accounts. Specifically, XXXX was accused of not fully verifying the accuracy of negative items like charge-offs, even after they were disputed by consumers. This case is directly relevant to my current situation, as I believe this charge-off is inaccurate, and XXXX has not conducted a sufficient investigation to resolve the matter. 

In light of the ruling, I am requesting that XXXX : Conduct a full and fair investigation of the charge-off in question and verify its accuracy with the original creditor and send me a copy of a contract with my wet ink signature and account information with full payment history. 

Remove or correct the charge-off entry if found to be inaccurate or improperly reported, in compliance with the requirements of the FCRA. 
Provide me with written confirmation that the charge-off has been investigated, and if applicable, an updated credit report reflecting the necessary corrections. 

The CFPB v. XXXX case highlights the importance of credit reporting agencies adhering to their legal obligations to ensure that all information they report is accurate, complete, and verifiable. Given this, I expect XXXX to fully comply with the regulations and rectify this charge-off on my credit report if it is found to be inaccurate. 

I would appreciate your prompt attention to this matter and a timely resolution. Should this issue not be addressed satisfactorily, I will not hesitate to file further complaints with the CFPB or take additional legal steps. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am a victim of identity theft in which I properly reported. There are fraudulence that is reporting on my report. I asked for signed written contracts stating that I committed these acts. I have yet to receive any contracts to prove that this is my debt. I ask that the errors that I report below be removed immediately. 

INQUIRIES/OTHER 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

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am a victim of identity theft in which I properly reported. There are fraudulence that is reporting on my report. I asked for signed written contracts stating that I committed these acts. I have yet to receive any contracts to prove that this is my debt. I ask that the errors that I report below be removed immediately. 

INQUIRIES/OTHER 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

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 — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Creditor Failed to Respond to Credit Dispute Within 30 Days Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian / XXXX XXXX for Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX for failing to respond to my credit dispute within the legally mandated 30-day timeframe, as required by federal law. Despite submitting my dispute on XX/XX/scrub>XXXX XXXX XXXXXXXX and Experian has failed to provide verification of the disputed account as outlined under the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to investigate disputes and communicate with the information provider within 30 days of receiving a dispute. Additionally, 15 U.S.C. 1681s-2 ( b ) mandates that creditors and furnishers of information must conduct a proper investigation and report the results to the credit reporting agency within the same timeframe. This failure to comply not only violates these statutory obligations but also jeopardizes my rights as a consumer to fair and accurate credit reporting. 

Given the creditors non-compliance with federal law, the account in question must be promptly removed from my credit report. Failure to do so constitutes willful negligence, which exposes the creditor and any associated credit reporting agencies to potential legal action. Under 15 U.S.C. 1681n, I am entitled to statutory damages, punitive damages, attorney 's fees, and court costs if the violations are found to be willful.

I demand the immediate removal of this account from my credit report and written confirmation that this matter has been resolved within 10 business days of your receipt of this letter. Should this issue remain unresolved, I am fully prepared to escalate the matter by pursuing legal action and filing complaints with the Federal Trade Commission ( FTC ) and the Attorney Generals office.

All my submissions and creditor correspondence dates can be verified through my CFPB account. I trust that the CFPB will address this issue promptly and enforce the legal obligations owed to me as a consumer. Please confirm receipt of this letter and provide a resolution to my complaint at the earliest possible opportunity. 

Thank you for your time and attention to this matter. 

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 2025-01-22 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: NJ

Complaint narrative:
Upon obtaining a copy of my credit report, I was alarmed to discover inaccuracies with my personal information. I have attached my ftc report. I noticed additional names and addresses listed that are inaccurate on my credit report. The fraudulent information on my credit report includes the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Unauthorized Hard Inquiries and Inaccurate XXXX Account Information Dear Experian Dispute Department, I am writing to formally dispute certain information on my credit report. Specifically, I have identified unauthorized hard inquiries and an inaccurately reported XXXX account. 

Unauthorized Hard Inquiries : I have noticed the following hard inquiries on my credit report that I did not authorize : 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 XXXXXX/XX/XXXX According to the Fair Credit Reporting Act ( FCRA ), hard inquiries require explicit consumer consent. Since I did not authorize these inquiries, I request their immediate removal from my credit report. 

Inaccurate XXXX Account Information : The XXXX account listed below is inaccurately reported as a charge-off : Account Name : XXXX XXXX  Account Number : XXXX Issue : Reported as a charge-off According to the Consumer Financial Protection Bureaus lawsuit against Experian ( CFPB v. Experian Information Solutions, Inc. ) , credit reporting agencies must ensure the accuracy of all entries. Please update this account status to reflect its correct standing or remove it if verification can not be made. 

Enclosures : Copy of my driver 's license Copy of my Passport Proof of address I request an updated credit report reflecting these corrections. If additional information is required, please contact me at XXXX or XXXX. 

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 2025-01-22 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: MN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. 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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Money was transferred from my account or a random number through 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 2025-01-22 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: TX

Complaint narrative:
I am 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 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: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sunbit, Inc.
State: FL

Complaint narrative:
am writing to request your assistance in resolving an issue with my XXXX credit report. I am a victim of identity theft and recently discovered an unauthorized account listed on my report. The account appears only on XXXX and not on my XXXX or XXXX reports, suggesting it may be fraudulent.The account in question is with XXXX/Sunbit, with the following details : Account Number : XXXX Company Name : XXXX/Sunbit Account Type : Installment Account Amount : {$120.00} Company Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX have never dealt with this company, nor did I authorize any transactions with them. I believe this account was opened fraudulently due to identity theft. 
In accordance with 15 USC Section 1681i of the Fair Credit Reporting Act, I request that XXXX remove this unauthorized account from my report. I have already taken steps to protect myself, including reporting the theft to the FTC and filing a police report. 
Please confirm the removal of this account. By the end of the day today .Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I filed a dispute XX/XX/year>XXXX  and called to receive a temporary credit and Bank of America wont do anything until a full investigation is done cause the type of dispute. I have been a member of BOA for a long time and they still refuse to help.

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 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am resubmitting a formal complaint to LVNV FUNDING LLC regarding the inaccuracies in my credit file that are not verifiably compliant, valid, or fully documented. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX. My date of birth is XX/XX/year>, and the related FTC report number is XXXX. I have identified potential duplicative and questionable items on my credit record that have not been authorized by me. As a consumer, I have the right to request the immediate deletion of these entries, in accordance with my federal and state consumer rights. I am filing this consumer complaint to ensure that all items reported in my credit file comply with the Fair Credit Reporting Act ( FCRA ). This includes a demand for verification of the disputed data. 
If these inaccuracies are not corrected, I will refile my complaint to ensure adherence to FCRA guidelines, as outlined in Title 1, Section 151.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$470.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$2100.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$2000.00} Open Date XXXX XXXX, XXXXXXXX XXXX XXXX  Balance {$2000.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$1400.00} Open Date XXXX XXXX, XXXX XXXX XXXX  Balance {$1400.00} Open Date XX/XX/XXXXXXXX XXXX Balance {$360.00} Open Date XXXX  inquiries XXXX Date XX/XX/XXXXXXXX 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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I sent {$2000.00} on XX/XX/year>XXXX  to a phone number through XXXX using Zelle as a payment. It was sent to the wrong phone number. I tried contacting XXXX and Zelle to reverse the payment but can not receive the refund.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Subject : Dispute of Civil Liability for Negligence ( Reference : XXXX XXXX ) I am writing to formally dispute the claim of civil liability for negligence referenced as XXXX XXXX. After careful consideration of the circumstances surrounding this matter, I believe that the claim is unfounded and merits further review. 

Ive disputed XXXX XXXX XXXX several times due to lack of clarification of the company and accuracy of the amount owed. I have not gotten any resolve. 

I would like to point out the following points that highlight my position : 1. I have no verified debt with XXXX XXXX XXXX 2. The amount owed is not accurate Given these circumstances, I respectfully request that you reconsider the claim of negligence. I am willing to discuss this matter further and provide any additional documentation needed to support my position. 

Please respond to this letter as soon as possible, so we can work towards a resolution. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your understanding. 

Sincerely, XXXX XXXX

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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I am not reliable for any transactions made by the accounts listed below nor have I ever done business with these companies. These were due to identity fraud/theft and legally must be removed per 15USSC 1681B. As shown on XXXX, Experian has knowingly reported false and wrong information and it's ILLEGAL and must be removed.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed info on rny credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed my fraudulent XXXX XXXX account.

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: FL

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IA

Complaint narrative:
XX/XX/year> i got paid {$1200.00} and my bank account was frauded and 6 transactions were made under a forien lable In the amounts of {$19.00} and XXXX XXXX. The amount taking was roughly {$1900.00}. Fifth third bank ( XXXX ) was contacted on XX/XX/year> after they sent multiple text notifications regaurding suspicion activity and a dispute was filed along with new card ordered. This dispute was denied by the bank and are fusing to pay out my money I made working at XXXX. Payroll has removed the bank from my paychecks and XXXX has been notified as well. I am trying to get back my money that was stolen from obvious fraud that the bank knows was fraud.

Company response to consumer: Closed with explanation