vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Block and Remove Unauthorized Bankruptcy Information and Intent to XXXX Dear Equifax, I am writing to formally request the immediate blocking and removal of inaccurate bankruptcy information from my credit report under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ). 

The details of the disputed entries are as follows : 1. **Bankruptcy Filing 1** - **Type** : XXXX XXXX - **Status** : Dismissed - **Date Filed** : XX/XX/XXXX - **Amount** : {$0.00} 2. **Bankruptcy Filing 2** - **Type** : XXXX XXXXXXXX - **Status** : Dismissed - **Date Filed** : XX/XX/XXXX - **Amount** : {$0.00} XXXX. XXXX Filing 3*XXXX - **Type** : XXXX XXXX XXXX XXXX*Status** : Dismissed - **Date Filed** : XX/XX/XXXX - **Amount** : {$0.00} 4. **Bankruptcy Filing 4** - **Type** : XXXX XXXX - **Status** : Dismissed - **Date Filed** : XX/XX/XXXX - **Amount** : {$0.00} These entries were not reported or furnished by the bankruptcy court, and I have not authorized any of these charges. Furthermore, these filings were made without my consent, involving the misuse of my personal information.

Under Section 605B of the FCRA, I request that you block and remove all information related to these unauthorized bankruptcies. This information must be removed within four business days of your receipt of this letter.

Additionally, I intend to pursue legal action under FCRA Section 611 ( a ) ( 1 ) due to your failure to respond appropriately to this dispute. According to the law, I am entitled to seek statutory damages of {$1000.00} for the inaccuracies reported. 

Please treat this matter with urgency and provide written confirmation that these entries have been removed from my credit report. 

Thank you for your immediate attention to this serious matter. I look forward to your swift 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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent letters to all 3 credit bureaus requesting that they delete account for XXXX XXXX XXXX, XXXX because a collection is past due by default and therefore, should not report as past due on the credit report. I provided exhibits as well which I will attach.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent letters to all 3 credit bureaus requesting that they delete account for XXXX XXXX XXXX, XXXX because a collection is past due by default and therefore, should not report as past due on the credit report. I provided exhibits as well which I will attach.

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 2025-02-06 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: MI

Complaint narrative:
This letter is a formal dispute under the provisions of the fair credit reporting act FCRA 15 USC1 681 et seq. that you are reporting inaccurate credit information after careful review of my credit report it has come to my attention that there are several inaccurate listings contained in my credit report the accounts listed below are incorrect the following accounts need to be investigated immediately to reflect my truthful credit history if any of accounts below can not be verified they should be deleted from my credit report as soon as possible as I am sure you are aware the FCR requires you to properly investigate any debt dispute I'm sure that the inclusion of this inaccurate information is a mistake on either you or the credit reporters part dude. Equifax actions show they did not properly investigate per required by law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
UPON 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 2025-02-06 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: MS

Complaint narrative:
XX/XX/XXXX- to XX/XX/XXXX .My account has been charge by another company through debit card when card is lock resulting of my account be charge with late fees. Also when account is in the negative i was being charge an additional late fee each time my card was use.When my credit was good and account was in good standing my loans application keep getting denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: MD

Complaint narrative:
XXXX XXXX ( XXXX ), ( XX/XX/year> ), Contents of Complaint : 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX {$1400.00} XXXX  XXXX {$790.00} XXXX  XXXX {$390.00} XXXX XXXX XXXX {$26000.00} XXXX  XXXX {$870.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX  XXXX {$89.00} XXXX  Payment XXXX {$810.00} XXXX XXXX - XXXX {$840.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 & XXXX ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the *Experian. XXXX and XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( clients email ).

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 2025-02-06 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: MD

Complaint narrative:
XXXX XXXX ( XXXX ), ( XX/XX/year> ), Contents of Complaint : 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX {$1400.00} XXXX  XXXX {$790.00} XXXX  XXXX {$390.00} XXXX XXXX XXXX {$26000.00} XXXX  XXXX {$870.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX  XXXX {$89.00} XXXX  Payment XXXX {$810.00} XXXX XXXX - XXXX {$840.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 & XXXX ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the *Experian. XXXX and XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( clients email ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: FL

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 2025-02-06 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-02-06 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: NV

Complaint narrative:
After discovering negative information on my credit report I suspected identity theft, -Accounts below- and immediately contacted Experian to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were result of identity theft. despite my efforts, Experian, Equifax and Transunion denied my case asserting that the information had been verified and leaving the fraudulent entries on my credit report. 
1. Account Name : XXXX XXXX XXXX Account Number:XXXX  Reported Balance : {$760.00} 2.Account Name : XXXX XXXX XXXX Account Number:XXXX  Reported Balance : {$1600.00} 3.Account Name : XXXX XXXX XXXX Account Number:XXXX  Reported Balance : {$3800.00} 4.Account Name : XXXX XXXX XXXX Account number:XXXX  5.Account Name : XXXX  XXXX Account Number:XXXX  Reported Balance : {$6400.00} 6.Account Name : XXXX Account number:XXXX  Reported Balance : {$14000.00} 7.Account name : XXXX XXXX  XXXX Account Number : XXXX Reported balance : {$21000.00} 8.Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$73000.00} 9.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$51000.00} 10.Account Name : XXXX Account Number : XXXX Reported Balance : {$2400.00} 11.Account Name : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Reported Balance : {$3100.00} Addresses Incorrect : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv INQURIES : 1. XXXX XXXX XXXX XXXX 2. 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 2025-02-06 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: GA

Complaint narrative:
I am writing to formally dispute a matter related to my credit report for Equifax, Experian and TransUnion that has not been handled in compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, which addresses civil liability for negligent noncompliance. My recent attempts to resolve this issue have been unsuccessful and I am requesting immediate corrective action. 

The information that is in question is 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 Total {$580.00} Investigation or action was not taken in a timely manner, or the results were not communicated clearly. As you know, the FCRA requires that disputes be investigated and resolved promptly, usually within 30 days. 

To further clarify, I believe the failure to resolve my dispute accurately or within the statutory time limit constitutes negligent noncompliance on your part under 15 U.S. Code 1681o. As such, I am requesting the following : An immediate re-investigation of the disputed entry. 
A written statement outlining the findings of your investigation and the corrective actions you will take. 
A clear explanation of the reasons for any continued errors, if applicable. 
Additionally, I would like to remind you that under the FCRA, I am entitled to recover damages for any negligent noncompliance, including actual damages, statutory damages, attorney fees, and costs if this matter is not resolved promptly. 

Please address this issue within 30 days from the date of this letter. If I do not receive a satisfactory response, I will be forced to take legal action to enforce my rights under the FCRA, including pursuing civil liability for damages. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 

XXXX XXXX XXXXXXXX balanced {$13000.00} XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX balanced {$1100.00} KIKOFF LENDING LLC XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXXXXXX balanced {$230.00} XXXX XXXX balanced {$950.00} XXXX XXXX XXXX XXXXXXXX balanced {$12.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: VA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 

XXXX XXXX XXXXXXXX balanced {$13000.00} XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX balanced {$1100.00} KIKOFF LENDING LLC XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXXXXXX balanced {$230.00} XXXX XXXX balanced {$950.00} XXXX XXXX XXXX XXXXXXXX balanced {$12.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00}

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 2025-02-06 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: GA

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 XXXX business days after the date of receipt by such agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: TX

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

Company response to consumer: Closed with explanation