vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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: MS

Complaint narrative:
According to 15. U.S.C 1692C you have violated my rights by inlawful communication. Please remove this collection off of my credit report, thank you. 

My public information and account number has been shared it's illegal by law 15.U.S.C. 6802. Please remove this negative item from my credit report. Thank you

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 2025-02-19 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: FL

Complaint narrative:
Dear Credit Bureau Representative, I am writing to formally request, for the second time, that you update my personal information and remove unauthorized inquiries from my credit report. I previously submitted a request on XX/XX/year> yet these inaccuracies remain unresolved. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate information, and the credit bureau is legally required to investigate and correct errors within 30 days. 
These inaccuracies are hindering my ability to purchase a home and are causing me significant distress. As per my rights under federal law, my credit report should accurately reflect my financial history. Your failure to correct this issue in a timely manner constitutes a violation of the FCRA and is negatively impacting my financial opportunities. 
If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing reports with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially seeking legal action. I am providing supporting documentation again for your reference, and I expect a resolution within the legally required timeframe.

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 2025-02-19 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: NY

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. 

Account Name : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

As stated in my original letter, the address listed below are not associated with my residence history and must be removed : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes.

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute.

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 2025-02-19 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:
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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I just got off the phone with the fraud department of Equifax.They are claiming the new FTC report I submitted, from the official FTC website, which they requested, is INVALID without any explanation. They said they " spoke with the back office '' In 5 minutes and the new FTC report is INVALID. 

They are suggesting that I am submitting a FRAUDULENT DOCUMENT when I am a victim of THEIR DATA BREACH! I recently sent an old FTC report Certified mail, and they requested a new FTC report, which I provided, and they received XXXX  XXXX, XXXX. I have provided proof from the USPS official website. 

I am a VICTIM OF THE EQUIFAX DATA BREACH. Although I have submitted a Police report, an FTC report, and a Identity Theft affidavit which is Notarized stating that the fraud occurred on EXISTING ACCOUNTS, EQUIFAX keeps trying to verify my accounts which ARE MINE. 

XXXX and XXXX have already removed the fraudulent accounts, and they did it immediately, WITHIN 4 DAYS OF RECEIVING MY DISPUTE PER 605 B which lets me know that Equifax has not properly read my documents or investigated my dispute correctly.

This is the reason CFPB is SUING THEM CURRENTLY. I am a victim of the Equifax Data Breach, which affected existing accounts. I have REPEATEDLY been submitting my Police Reports, FTC reports, Proof of Equifax Data Breach, and my Identity Theft Affidavits to all three Consumer Report Agencies I recently sent them again last XX/XX/XXXX, Certified Mail, and they were received XX/XX/XXXX, XXXXIt is now XX/XX/XXXX. 

FCRA SECTION 605 B REQUIRES THEM TO BLOCK THE FRAUDULENT INFO ON MY CONSUMER REPORT RESULTING FROM IDENTITY THEFT WITHIN FOUR BUSINESS DAYS.

LAW 25 US SODE 6802 STATES NO FINANCIAL INSTITUTION CAN SHARE MY NON PUBLIC INFORMATION WITH A THIRD PARTY ENTITY.

ACCORDING TO FCRA SECTION 605 IT IS ILLEGAL TO PUT ANYTHING ON MY CONSUMER REPORT WITHOUT MY WRITTEN PERMISSION.THEY HAVE NOT EVER ASKED MY WRITTEN PERMISSION. PLEASE REMOVE THESE NEGATIVE, FRAUDULENT ITEMS FROM MY CONSUMER REPORTS IMMEDIATELY.

The IRS states that it is ILLEGAL to report INCOME ON A CONSUMER REPORT. Chargeoffs are, by definition INCOME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I just got off the phone with the fraud department of XXXX.They are claiming the new FTC report I submitted, from the official FTC website, which they requested, is INVALID without any explanation. They said they " spoke with the back office '' In 5 minutes and the new FTC report is INVALID. 

They are suggesting that I am submitting a FRAUDULENT DOCUMENT when I am a victim of THEIR DATA BREACH! I recently sent an old FTC report Certified mail, and they requested a new FTC report, which I provided, and they received XXXX  XXXX, XXXX. I have provided proof from the USPS official website. 

I am a VICTIM OF THE XXXX DATA BREACH. Although I have submitted a Police report, an FTC report, and a Identity Theft affidavit which is Notarized stating that the fraud occurred on EXISTING ACCOUNTS, XXXX keeps trying to verify my accounts which ARE MINE. 

XXXX and Experian have already removed the fraudulent accounts, and they did it immediately, WITHIN 4 DAYS OF RECEIVING MY DISPUTE PER 605 B which lets me know that XXXX has not properly read my documents or investigated my dispute correctly. 

This is the reason CFPB is SUING THEM CURRENTLY. I am a victim of the XXXX Data Breach, which affected existing accounts. I have REPEATEDLY been submitting my Police Reports, FTC reports, Proof of XXXX Data Breach, and my Identity Theft Affidavits to all three Consumer Report Agencies I recently sent them again last XX/XX/XXXX, Certified Mail, and they were received XX/XX/XXXX, XXXX is now XX/XX/XXXX. 

FCRA SECTION 605 B REQUIRES THEM TO BLOCK THE FRAUDULENT INFO ON MY CONSUMER REPORT RESULTING FROM IDENTITY THEFT WITHIN FOUR BUSINESS DAYS. 

LAW 25 US SODE 6802 STATES NO FINANCIAL INSTITUTION CAN SHARE MY NON PUBLIC INFORMATION WITH A THIRD PARTY ENTITY.

ACCORDING TO FCRA SECTION 605 IT IS ILLEGAL TO PUT ANYTHING ON MY CONSUMER REPORT WITHOUT MY WRITTEN PERMISSION.THEY HAVE NOT EVER ASKED MY WRITTEN PERMISSION. PLEASE REMOVE THESE NEGATIVE, FRAUDULENT ITEMS FROM MY CONSUMER REPORTS IMMEDIATELY.

The IRS states that it is ILLEGAL to report INCOME ON A CONSUMER REPORT. Chargeoffs are, by definition INCOME.

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 2025-02-19 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: AL

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: PA

Complaint narrative:
My account with XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-02-19 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: GA

Complaint narrative:
I made several attempt to make my XX/XX/XXXX Mortgage payment, and the payment portal was down for maintenance from XXXX XX/XX/XXXX till XXXX XX/XX/XXXX, thereby making impossible to make my monthly payment before the end of my grace period. 
Payment was made on the XXXX of XX/XX/XXXX when the portal became active.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: MD

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 BALANCED {$790.00} XXXX XXXX BALANCED {$1000.00} XXXX  XXXX XXXX BALANCED {$680.00} XXXX  XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX XXXXXXXX {$31.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX BALANCED {$80.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: MD

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 BALANCED {$790.00} XXXX XXXX BALANCED {$1000.00} XXXX  XXXX XXXX BALANCED {$680.00} XXXX  XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX XXXXXXXX {$31.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX BALANCED {$80.00}

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 2025-02-19 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: FL

Complaint narrative:
I have not permitted this inquiry. I did not engage with this lender on the given date.

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 2025-02-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: NV

Complaint narrative:
Was told i have a judgement for {$13000.00} was never notified until i tried to sale my home. Called the collection company spoke to XXXX at Jefferson Capitol Systems who said there was no record told me to call another place called XXXX XXXX spoke to XXXX he said he shows no records of judgement called Attorney office on judgement they referred me back to Jefferson Capitol Systems again to speak to someone else that showed nothing. Called Attorney back who filed judgment in XXXX said something was charged off in XXXX but had no other records. They told me try this other place which a guy name XXXX answered and requested my SSN number and etc which i thought was weird and I said no i need to know why 3 other places said there is no record but you are telling me to give my SSN without any questions. When i explained i have no record on my credit reports, public records and etc. Plus whatever you are trying to pin on me is past the states statute of limitations unless i can get answers there is nothing to discuss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: PA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
The date of the first delinquency does not match the date that I have. I have under 15 USC 1681BE you must provide maximum possible accuracy and I'm taking into consideration that the CFPB is suing you as well. I'm also requesting full disclosure of the XXXX of my full profile. 

XXXX # XXXX XX/XX/year>XXXX XXXX XXXX XXXX days. 30 days

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 2025-02-19 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: GA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. TransUnion is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX  XXXX XXXX Balance : {$11000.00}

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 explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My vehicle was deemed a total loss A year ago. The insurance paid off the vehicle and Gap covered the remaining balance. Capital One is reporting that Im late on payments but the vehicle was paid off. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: Radius Global Solutions LLC
State: SC

Complaint narrative:
I submitted a complaint # XXXX on RADIUS GLOBAL SOLUTIONS. They submitted their response in a pdf format which is unusable. I have included a screenshot proving that the link was not usable. I want to know why they refuse to provide a proper answer to why they accessed my credit 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 explanation