vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
Dear Sir/Madam, I am writing to formally request the removal of the collection account associated with [ Account Bal {$1000.00} ] from my credit report. I have previously requested the necessary documentation for this account, but I have yet to receive any proper paperwork or validation of the debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive verification of this debt. Section 809 of the FDCPA requires that within five days of the initial communication, the debt collector must send written verification of the debt if requested. Since I have not received this documentation, I am requesting that you immediately remove this collection account from my credit report. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccuracies on my credit report, and you are required to provide documentation or proof of the debt in order to validate the accuracy of the reported information. As I have not received the requested documentation within the allotted time frame, I request that this account be removed from my credit file. 

Please confirm in writing that my credit report has been updated to reflect this removal. 

If you fail to provide the requested documentation within 15 days from the date of this letter, I expect the account to be removed from my credit report and the matter to be considered closed. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that this issue has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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 was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-02-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I have reached out to Chrysler capital in regards to passed due fees from years ago and Im disputing those due to me not having enough information as to why I owe that. Not only that but the interest rate is very high.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-26 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: OH

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-02-26 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: VA

Complaint narrative:
My information was exposed in a breach from credit bureaus. My dispute has no corrected the problem. My information is being misused and hacker gain access to my sensitivity information.

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 2025-02-26 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: VA

Complaint narrative:
My information was exposed in a breach from credit bureaus. My dispute has no corrected the problem. My information is being misused and hacker gain access to my sensitivity information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: NAVY FEDERAL CREDIT UNION
State: OK

Complaint narrative:
On Wednesday, XX/XX/year>, I woke up to a notification of an ACH pending transfer of {$4900.00} on my account. I quickly called my dad in Oklahoma since I am currently stationed in XXXX for my XXXX XXXX tour and he is a joint owner on the account. He immediately called Navy Federal Credit Union and informed them of the fraudulent activity, he requested that they decline the unauthorized transaction and block the account in case they tried again. Without taking action to stop the transaction, they submitted a fraud claim to the Navy Federal Credit Union fraud investigation department. I called Navy Federal Customs Service to ensure that the claim was submitted properly and if needed to provide extra info ; but, they told me that the claim was indeed submitted and I had to wait for the investigation to conclude. They also told me to keep an eye out for an email for the investigation results. On Monday, XX/XX/year>, my dad called them again to check on the status of the claim to which they informed him that it was denied and that we will be responsible for the loss. They claimed they sent out a mail with that conclusion but they never did. My dad and I refreshed our emails constantly and even went to my spam but to no avail. My dad asked for another letter which they finally sent on Tuesday XX/XX/year> which was almost a month from when this happened. It was very disheartening and disappointing to conclude this investigation so fast and keep us in the dark that we had to struggle to get any sort of response or cooperation from Navy Federal Credit Union. I did not authorize the transaction and I believe Navy Federal Credit Union failed to protect my account privacy and security. As per Regulation E of the Electronic Fund Transfer Act, I am not liable for unauthorized transactions that I did not approve. Furthermore, Navy Federal was notified immediately the charge was seen and still pending but they didnt act because they didnt care enough and it wasnt their money. Please I am requesting help since I need this money for bills and had to rely on credit cards since.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-26 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:
This discover bank was charged off on the following date XX/XX/year> Since then the account has repeatedly been updated as charged off every month. 
This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account XXXX bank 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 2025-02-26 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:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, 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 XXXX has neither corrected nor removeddisputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

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 2025-02-26 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: NC

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, 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 XXXX has neither corrected nor removeddisputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

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 2025-02-26 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: FL

Complaint narrative:
I am reaching out to dispute inaccurate information on my credit report and request an immediate investigation. As a consumer, I have the right to ensure that my financial records are fair, accurate, and verifiable under federal law. 

Upon reviewing my report, I noticed errors related to certain accounts and inquiries that should not be listed. These inaccuracies could be in violation of the Fair Credit Reporting Act ( FCRA ), particularly regarding privacy rights, reporting timelines, and data accuracy.

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 2025-02-26 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: NC

Complaint narrative:
Experian has been giving me notifications for a while now that my information has been exposed online for some years now dating all the way back from XX/XX/XXXX all the way up to XX/XX/XXXX. I never really paid it any attention until I started receiving random text messages from odd numbers claiming to be XXXX. And Fake Settlements requesting my information and also having my brokerage account with XXXX compromised. A lot of my inquiries and certain accounts on my credit report are false and were not authorized by me. Its too many to specify verbatim

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 2025-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
XXXX XXXX XXXX East XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Apple Card/GS Bank USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Credit Bureau, XXXX XXXX [ XXXX ] I am writing to formally dispute the validity of the debt referenced above. As provided under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am requesting that you provide validation of this debt, including the following information : The amount of the debt. 
The name of the creditor to whom the debt is owed. 
A copy of any documentation that verifies this debt, such as a signed agreement or billing statements. 
Proof that you are authorized to collect this debt on behalf of the creditor. 
Please be advised that under 15 U.S.C. 1692c, you are prohibited from continuing any collection activities until you have provided the requested information. As such, I request that all communications regarding this matter be in writing only, and that you cease any further phone calls or direct contact with me. 

I look forward to receiving the requested validation within the next 30 days. Failure to provide this information may result in your inability to collect this debt. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I just looked at my Transunion credit report on XX/XX/XXXX and I saw some inquiries on my report that did not have permissible purpose and that I do not recognize. XXXX. XXXX XXXX XX/XX/XXXX XXXX. 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 2025-02-26 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: OH

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-02-26 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-02-26 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 file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-02-26 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: FL

Complaint narrative:
I am requesting a formal review of specific accounts on my credit report, as they may not comply with federal consumer protection laws. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure my report is both accurate and legally compliant.

Per 15 U.S.C. 1681, I am entitled to privacy and accuracy in my financial records : Section 602 ( a ) affirms my right to financial privacy.

Section 604 ( a ) ( 2 ) prohibits reporting accounts without my explicit written consent.

Section 1681c ( a ) ( 5 ) restricts reporting negative information older than seven years, except for criminal convictions.

Section 1681s-2 ( a ) ( 1 ) mandates that furnishers only report verified, accurate data.

In light of these protections, I request a detailed investigation into the disputed accounts. If they can not be fully verified with appropriate documentation, they must be removed immediately. Please provide written confirmation of your findings and any updates made to my report.

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 2025-02-26 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: IN

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
" I tried to access my annual credit reports online but kept getting error messages. When I requested them by mail, I only received summary reports instead of my full annual reports. Because of this, Im using your platform to help me resolve the issue and obtain my complete file disclosures from XXXX and 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 2025-02-26 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief