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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
RE : XXXX XXXX I received a copy of my credit report and found the following item ( s ) errors. THIS IS MY SECOND TIME DISPUTING THIS INFO ; however, Transunion continues to report it. Here as follows are items in error : This was negatively reported for four months in a row, starting with a 60-day late, a 90-day late, a 120-day late, and then another 60-day late entry. *See attached screenshot, page 2.

I am the co-signer on this loan. When my niece fell gravely ill last year, I called to make arrangements with XXXX XXXX. The agreement was that I would make the reduced payment amount for three consecutive months. XXXX XXXX referred to these 90 days as the " preliminary period '' or something similar. After making the third payment, the agreement would commence for two years.

I set up and started making the monthly payments via auto-draft. 1 month later, I received an email that my credit score decreased significantly. I called XXXX XXXX, who advised that they reported as late during the preliminary period of the agreement, but that the late reporting would be removed, after I completed the 3 monthly payments successfully, making the 2-year arrangement confirmed.

These marks are going to cause me to lose my property as my bridge loan has matured, after extending the loan ( back in XXXX when I disputed this the last time ) due to this TransUnionXXXX XXXX fiasco and the effect it has had on my cumulative credit score. I need to refi and My TransUnion score is significantly lower than the others because of this inaccurate 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 2025-01-24 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: NV

Complaint narrative:
I am filing a compiaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a
inorougn ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 — Account status incorrect
Company: EQUIFAX, INC.

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

Company 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: Sunbit, Inc.
State: CA

Complaint narrative:
Upon reviewing my latest credit report, I identified an error that seems inconsistent with the records I maintain. I am concerned that this inaccuracy might impact my credit score or financial profile, so I am requesting a detailed review of this matter. Please investigate the issue and correct any discrepancies at your earliest convenience. Your support in maintaining accurate credit reporting is highly valued.

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: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
Dear CFPB, XXXX XXXX XXXX has crossed the line into intentionality and recklessness, they are making false credit reports damaging my credit reputation and causing lenders to deny me for their errors on my credit report.

I have disputed these errors for over a year and a half on many occasions and Ford continues to fail to correct the glaring errors that I have pointed out to them that exist at XXXX and XXXX. 

Please dear Ford, have the professionalism and ethical ability to fix the errors you mentioned and listed below, I have the right to a 100 % accurate report, ( THE LAW REQUIRES IT ), it is very important to me and I would not accept anything less than that, 99 % is not 100 %, the law says that every account reported to the ( CRAs ) must be 100 % accurate and verified.

Account name : XXXX XXXX XXXX Account number : XXXX Date Opened XX/XX/XXXX Status Paid, Closed. 

Errors : 1-You report in XXXX and XXXX the opening date was XX/XX/XXXX, but in the PAYMENT HISTORY, the first report is from XX/XX/XXXX. This is contradictory, the payment history does not report anything for XX/XX/XXXX. Is the opening date incorrect? Is the payment history incorrect? Which one is correct? Please correct this or delete the entire account.

2-why did you block or DELETE BALANCE HISTORIE?

Why don't you report the balance paid month by month from when the account was opened until it was closed?

Why don't you report the scheduled payment every month from when the account was opened until it was closed?

Why don't you report how much I paid each month from when the account was opened until it was closed?

Please provide all these details mentioned in the Balance History or delete the entire account 3-In the payment history, you
have ND ( which I understand means No data ) for the months of XXXX, XXXX, XXXX and XX/XX/XXXX and XX/XX/XXXX. Why do you not have any data for these months? Why is the data missing? Please correct all the data or delete the entire account.

4-Why is there no recent payment reported in XXXX? This space is to be filled in, not left empty. Enter a recent payment or delete the entire account.

Please CFPB and FORD, so that my account is one hundred percent accurate and verified, these accounts have been paid in full and have errors that directly affect my financial health, so be 100 percent accurate or delete the entire account.

I am attaching evidence directly from the XXXX report where I demonstrate the errors mentioned. It is worth mentioning that this account has already been removed from XXXX for not complying with the FCRA. 

Sincerely XXXX XXXX XXXX XXXX

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im filling a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24hours stating the account is accurate without providing any evidence of through investigation. The practice violates the Fair credit reporting act ( FCRA ), 15 U.S.C., ,1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C.,, 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumer with the necessary proof of investigation.

These are the accounts I found as inaccurate : XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX {$3100.00} XXXX XXXX  XXXX {$1700.00} XXXX- {$9400.00} XXXX XXXX XXXX XXXXXXXX {$55000.00} XXXX XXXX XXXX  {$1000.00} XXXX XXXX {$1.00} XXXX XXXX  {$18000.00} XXXX XXXX XXXX {$8600.00}

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 2025-01-25 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: MI

Complaint narrative:
Recently I looked over my credit report and saw an account opened in my name. XXXX XXXX ( {$300.00} ) opened XX/XX/year> on XXXX, and XX/XX/year> on Transunion. The bureaus are also in violation for not accurately reporting this account. I am a victim of the data breach and according to 15 USC 1681c-2 ( a ), I'm requesting that you immediately block this account from 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 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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
I recently obtained a copy of my credit report after being unable to access for an extended period. Upon reviewing the report, I discovered that 4 to 5 accounts have been opened under my name without my knowledge or consent. These accounts include charge-offs and collections, which have negatively affected my credit score and financial reputation. It appears that my personal information has been misused, leading to these fraudulent activities. I suspect that my personal information was compromised, as I have not authorized any of these accounts or transactions and I have been a victim of identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: PA

Complaint narrative:
XXXX Debt over XXXX old Debts I don't recognize

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Three inquires were made on my credit report from XXXX XXXX on XX/XX/year>. Please remove the following inquires as they were not performed by me. 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I want reported accounts removed. Credit card reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arbor Professional Solutions, Inc.
State: AL

Complaint narrative:
I am disputing a debt falsely reported by Arbor Professional Solutions on my credit report, indicating a collection of {$1000.00}. This debt does not belong to me, and I have never resided in or visited Florida, which is where the alleged account originates. This misinformation is a clear violation of my rights under federal law.

I have made multiple attempts to resolve this issue by requesting debt validation and documentation from Arbor Professional Solutions, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Specifically, I requested proof of the alleged debt and the original contract that supports their claim. These requests were sent through certified mail, and I have received no response to date. Additionally, I have called and emailed the company multiple times without any acknowledgment or follow-up.

By reporting false and inaccurate information to the credit reporting agencies, Arbor Professional Solutions has violated my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. This includes : Failing to ensure the accuracy of the information they furnished to the credit bureaus, as required by FCRA Section 1681s-2 ( a ).

Failing to conduct a proper investigation into my disputes, as required by FCRA Section 1681s-2 ( b ).

This inaccurate reporting has caused damage to my creditworthiness and financial standing. I am requesting the immediate removal of this false information from my credit report and full resolution of this matter.

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT!!!!

XXXX XXXX XXXX did not provide the transaction details of the alleged charges made on the account before closing in XXXX of 2022. 

Willfully ignoring my simple request. 

Dates, time, amounts of changed, and business name that processed payment.

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 — Account information incorrect
Company: Synovus Bank
State: TX

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT!!!! First Progress Bank
did not provide the transaction details of the alleged charges made on the account before closing in XXXX of 2022.

Willfully ignoring my simple request.

Dates, time, amounts of changed, and business name that processed payment.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Affirm has placed a late payment on my consumer report and my account is not late. I have not had this account in years and it is in direct violation of my report. The FCRA states maximum possible accuracy must be present and I wasnt notified 21 days before the end of the statement. This item need to be removed immediately or I will have to litigate.

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

Complaint narrative:
This morning, I found an unauthorized inquiry on my credit report, and I have no idea how it got there. When I checked my report as I normally do, I was shocked to see unexpected discrepancies. I even refreshed my browser, hoping it was a temporary glitch, but it wasnt. The inquiry remained. I'm extremely frustrated by this and demand that the documents I submitted be thoroughly reviewed to ensure this never happens again.

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: 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: FL

Complaint narrative:
Experian 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 Experian, 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 Experian has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian '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 2025-01-25 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I previously placed a security freeze on my file with Chex Systems , Inc. for added protection. I no longer need the freeze and would like to have it removed. Additionally, I have misplaced my security freeze PIN and require a replacement. I am also requesting a copy of my consumer disclosure report to review my file for accuracy and completeness.

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 2025-01-27 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: SC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my abillity to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the Iam asking you to verify. 

XXXX XXXX XXXXXXXX

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 — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am formally disputing the late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$51000.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.

Company response to consumer: Closed with explanation