vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
Transunion has inquiries on my report that aren't mine. I had them removed from XXXX  and XXXX. Transunion will not remove. 

XX/XX/year> - XXXXXXXX XXXX  XX/XX/year> - XXXXXXXX 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 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 2025-01-24 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: MN

Complaint narrative:
TransUnion 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 and/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. The failures align with my experience, with TransUnion and XXXX. TransUnion neither corrected or removed disputed 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 TransUnion 's inaction violates federal law and my rights as a consumer. Transunion can't keep ignoring evidence showing other bureaus deleted the same account they aren't even investigating properly.

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 2025-01-24 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: CA

Complaint narrative:
XXXX : XX/XX/year>, {$1000.00} XXXX : XX/XX/year> {$180.00} This company is on my experian report and they will not remove the accounts are not mine I disputed with the other bureaus and they removed but Experian will not remove

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 2025-01-24 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: MD

Complaint narrative:
On XX/XX/XXXX I discovered that an Identity Thief gained inappropriate access to Experian.com using my personal information and registering an account to their email address and phone number. Therefore they have access to my ENTIRE financial history, and I can not register for an account at Experian because it is linked to the thief 's phone number. I even discovered that in XX/XX/XXXX through a credit monitoring report that they unfroze the credit freeze at Experian after I placed one there. 

I've tried NUMEROUS times to call Experian to get this issue resolved. However, it is impossible to speak to a human being at that company.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant FCRA 605 ( b ) to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally inform you that I have been a victim of identity theft due to a recent data breach involving Equifax. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ), 15 U.S.C. 1681c-2 ( a ), I am requesting that you immediately block and permanently remove any fraudulent accounts or inaccurate information related to the identity theft from my credit report. 
As evidence of this claim, I am providing proof of my involvement in the Equifax data breach, which I ask you to review as part of my request. Additionally, I have included a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to substantiate my claim. 
Under the FCRA, 15 U.S.C. 1681c-2, credit reporting agencies are required to block the disputed information identified by the consumer as a result of identity theft within four business days of receiving the report. I kindly request that you comply with this legal obligation and take swift action to resolve this matter. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXXXXXX 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 Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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:
Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant FCRA 605 ( b ) to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally inform you that I have been a victim of identity theft due to a recent data breach involving XXXX. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ), 15 U.S.C. 1681c-2 ( a ), I am requesting that you immediately block and permanently remove any fraudulent accounts or inaccurate information related to the identity theft from my credit report. 
As evidence of this claim, I am providing proof of my involvement in the XXXX data breach, which I ask you to review as part of my request. Additionally, I have included a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to substantiate my claim. 
Under the FCRA, 15 U.S.C. 1681c-2, credit reporting agencies are required to block the disputed information identified by the consumer as a result of identity theft within four business days of receiving the report. I kindly request that you comply with this legal obligation and take swift action to resolve this matter. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXXXXXX 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 Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, 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 2025-01-24 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
XX/XX/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 XXXX XXXX AMERICAN EXPRESS XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Account Information : 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/XXXX and responded on XX/XX/XXXX, American Express and XXXX 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. 

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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I saw a listing for a apartment on XXXX contact the company they told me to Zelle {$100.00} for the credit check and to see if I had any eviction 's so I sent that on XXXX XXXX then I received a text on Friday, XXXX XXXX to Zelle my deposit of {$1400.00} to secure the apartment so I told her I will send it on Wednesday, XXXX XXXX then Monday, XXXX XXXX I get a text from a man named XXXX XXXX XXXX saying XXXX represent Affordable Realty Corporation and to share my move-in date and screenshot the unit I am interested in so I did and he said it's still available he said I have to apply for it so I told him I did that already with XXXX then he ask for my email and text me back that my application was received and ready for processing so i asked him can I bring the deposit of {$1400.00} when I come to view the apartment and he text back all payments are made online so the payment can be added to my paperwork and complete processing and emailed for approval and come view the apartment immediately so I told him I will Zelle the deposit Tuesday, XXXX XXXX I Zelled the {$1400.00} deposit to XXXX XXXX then he text me back and asked if I could meet him and view the apartment the next day I said yes and I asked what time he never answered and finally he answered then he said I have to pay the attorney fee of {$300.00} before I can see the apartment I told him XXXX never told me about any attorney fee so I told him I will send it tomorrow Thursday, XXXX XXXX so he text me the attorney info her name is XXXX XXXX so I Zelled her {$300.00} he said to hold on until the company 's cashier confirms the payment he text back payment was confirmed and when the lease agreement stamped and emailed to me by XXXX Thursday and then I can meet him Friday morning to view the apartment i asked what time and which email was he sending the lease to he asked which do prefer I said the XXXX email he said he would notify me immediately when it's emailed i never got the email so I asked him where is the email I was ready to go to bed I never heard from him again after that and I text him again and still no answer and that's when I realized I've been scammed I felt so stupid how I felt for this I usually careful about things like this I am always helping others from getting scammed but wasn't careful with myself from getting scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: NC

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 settle with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: SC

Complaint narrative:
Dear Experian Dispute Department, I am writing to formally address your failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, regarding the block of information resulting from identity theft. On XX/XX/year>, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ), Complaint ID : XXXX. I also submitted the necessary identity theft documents, including my identification and the Federal Trade Commission ( FTC ) Report Numbers : XXXX, XXXX, and XXXX, directly to your organization. 

Under the FCRA, upon receipt of such documents and identification, you were required to take the following actions within 4 days : Block the Information Identified as a Result of Identity Theft : You were obligated to block the reporting of any information that I identified as being the result of identity theft. 

Notify the Furnisher of the Identified Information : The FCRA requires that you notify the furnisher of the disputed information that : The information may be a result of identity theft. 
An identity theft report has been filed. 
A block has been requested under this section. 
The effective dates of the block. 
To date, you have failed to comply with these requirements, resulting in the continued reporting of inaccurate and fraudulent information on my credit report. Your failure to adhere to the FCRA procedures outlined under 1681c-2 constitutes a violation of federal law and has caused significant harm to my credit standing and financial well-being.

I am formally requesting that you take immediate action to : Block the fraudulent information identified in my dispute. 
Notify the furnishers of the fraudulent information in compliance with the FCRA. 
Provide written confirmation that the block has been implemented and that the required notifications have been sent to the furnishers. 
If you fail to rectify this matter within the timeframe prescribed by the FCRA, I will be left with no choice but to pursue further legal action to ensure compliance with federal law, including filing additional complaints with the CFPB and FTC, and seeking damages for your noncompliance. 

I look forward to your prompt response and resolution to this matter. You may contact me directly at XXXX or XXXX if further information is required. 

Sincerely, 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
CREDIT FILE : XX/XX/XXXX Confirmation # XXXX XX/XX/XXXX {$2200.00} dispute came back as accurate this has been paid off and closed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
To Whom It May Concern, I am writing to express my concern pertaining to the recent lawsuit filed by the Consumer Financial Protection Bureau against Experian for failing to properly investigate consumer disputes. I filed complaints XXXX of 2023 and i haven't received any form of details as to results from the investigation. 

As a consumer who has experienced issues with Experian handling of credit report errors, I am deeply troubled by the allegations that Experian conducted " sham investigations '' and failed to remove or reinsert errors on credit reports which they have violated 15 USC 1681 ( i ).

The accuracy of credit reports is crucial for consumers ' access to credit, employment, and housing and primarily mode of living. When consumers like myself dispute errors on their credit reports, we expect a thorough and fair investigation. However, the CFPB 's lawsuit suggests that Experian 's procedures are inadequate and do not comply with the Fair Credit Reporting Act. This has serious implications for consumers who rely on accurate credit reports to make important financial decisions. 

I urge the CFPB to take strong action to ensure that Experian and other credit reporting agencies adhere to the FCRA and conduct proper investigations of consumer disputes. Consumers deserve transparency, accuracy, and fairness in the handling of their credit information. 

Thank you for your attention to this matter. I look forward to seeing improvements in the way credit reporting agencies handle consumer disputes. 

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 2025-01-24 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 explanation
Consumer complaint received 2025-01-24 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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