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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( Equifax, XXXX, and XXXX ) and several creditor companies. 

Over the past six months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred : 1. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted. 
2. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided.

3. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score.

4. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights.

5. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA.

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: NC

Complaint narrative:
I was notified that my credit profile was part of the SSN leak and Equifax data breach. Due to this data breach, I have attached a document with all the accounts that need to be removed immediately as it has a negative impact on my credit profile.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this formal complaint against Experian for knowingly reporting false and inaccurate information on my credit report and failing to conduct a proper investigation under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ).

Violations & Legal Concerns : 1.Incorrect Late Payment Reporting Violation of 15 U.S.C. 1681i A late payment has been falsely reported on my account despite my verifiable records proving on-time payments.

I disputed this error, but the credit bureaus failed to conduct a reasonable investigation or provide legally required dispute results. 
Legal Violation : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies must investigate disputes and correct inaccuracies within 30 days. Their failure to do so is a clear violation of the FCRA, exposing them to statutory damages of up to {$1000.00} per violation, plus punitive damages and legal fees if pursued in federal court.

2.Fraudulent Charge-Off Date & Balance Reporting Violation of 15 U.S.C. 1681s-2 An account that was charged off in 2020 is now being fraudulently updated in 2025 as a fresh charge-off with an active balance, which is factually incorrect and a blatant misrepresentation of my credit history.

This misreporting is materially misleading, negatively impacting my creditworthiness and violating my rights under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), which prohibits furnishers from reporting false or outdated information.

Legal Violation : The credit bureaus are failing to uphold their duty to report accurate information under 15 U.S.C. 1681e ( b ). The continued presence of this erroneous charge-off could result in a lawsuit seeking actual damages, statutory damages, and punitive damages under 15 U.S.C. 1681n.

This complaint serves as formal notice under the FCRA and FDCPA. If my rights are not upheld, I am prepared to file suit in federal court for willful noncompliance with 15 U.S.C. 1681n, seeking damages, attorney fees, and potential class-action remedies.

I expect a prompt response and full compliance with federal law, accounts are listed below 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 2025-02-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: CA

Complaint narrative:
Approximately XXXX  years ago, I was moving from XXXX XXXX to XXXX XXXX. I returned my XXXX  box to a store in XXXX, XXXX on XXXX XXXX. 

During the move, I threw away or lost/misplaced the receipt for the box return. I was not too concerned because they scanned the bar on the box in front of me and placed with a bunch of other routers in a small box. 

I signed up for XXXX XXXX in my new place with a new router from XXXX, and months later received notification that a box was not returned. I called and emailed XXXX to let them know this was incorrect, and their original router box had been returned. They kept sending me notices as if I never called or emailed. I replied to them every time they sent notices. 

I received a collection bill for {$86.00}. Confused, I called the collection company who said they have no say in deleting the account as they bought the collection. 

This {$86.00}, now {$100.00} has been resold multiple times and keeps showing up on my credit report as a new collection. It is is the only blemish on my credit that is not allowing me to build my score. In the past XXXX  years, this one wrongful collection has destroyed multiple opportunities for me to have the credit I am working so hard to maintain. 

This past month is was sold AGAIN, and my score dropped XXXX points. I am gutted that they are allowed to do this. It is fraud. I returned the box and even offered to pay a debt I do not have because I am desperate to get this wrongful claim off of my credit. The collection company said I could pay but it would not be deleted. In order to buy a house, my lender said it must be deleted. 

I have moved again since this time, and returned my new ( second ) box. When I arrived at XXXX to return, they girl stared straight into my eyes and said. " DO NOT THROW THIS RECEIPT AWAY FOR A YEAR ''. It seems XXXX may have a reputation for doing this to their customers. 

I have disputed in every way I know how, with the credit bureaus, with the companies. Please help. 

Kindly, 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: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: MO

Complaint narrative:
Original loan XXXX. Car repossessed in XXXX asked company for payoff total. Was quoted XXXX dollars. Paid that amount, got the car back. When I attempted to get my title back I was told I still have a XXXX dollar balance. No one contacted me from the company regarding a balance owed until after I tried to get my title back which was approx XXXX days after I got my car back. They are trying to charge me almost XXXX percent interest in a XXXX dollar loan

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 very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: NATIONAL DEBT RELIEF LLC
State: NY

Complaint narrative:
I applied for a debt consolidation with National Debt Relief for XXXX credit cards. The XXXX credit cards that I wanted relief from here is the break down : XXXX XXXX  : {$15000.00} reduced to {$8300.00} XXXX  XXXX : {$13000.00} reduced to {$7100.00} {$29000.00} {$15000.00}. 
Debt Settlement Fees {$7400.00} Other XXXX {$240.00} Deposits Made by You into XXXX XXXX {$4900.00} Amount Disbursed to your XXXX Account {$18000.00} This is settlement and the final numbers. I paid {$7600.00} to have my total debt of {$29000.00} reduced to {$18000.00} Now the recommendation is to move forward with XXXX XXXX to pay back National Debit Relief for the {$18000.00}. 
They had me agree to move forward with XXXX PRIOR to the final settlement. Furthermore the terms laid out in this new loan agreement ARE WORSE than if had just stayed with my creditors. I don't believe they gave me a true picture of these terms when I agreed. New terms : XXXX 24.985 %, Finance amount {$18000.00}, XXXX charge {$11000.00}, for Total payment of {$29000.00}. This is at XXXX payments biweekly @ {$260.00} and XXXX payment of {$260.00}. 

HOW DID THIS HELP MY SITUATION? I paid XXXX, made my credit score worse and now I'm in the same situation paying more $ to National Debt Relief by way of XXXX XXXX and its more money at a worse interest rate than I owed to my original creditors.

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 caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MS

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 2025-02-26 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: CA

Complaint narrative:
Dear Experian Dispute Resolution Team, I am writing to urgently address fraudulent accounts that have been opened in my name due to the XXXX data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : 1. This inquiry was not authorized XXXXXXXX  Inquired on XX/XX/year> Please remove it from my report 2. This inquiry was not authorized XXXX  Inquired XXXX XX/XX/year> Please remove it from my report 3. This inquiry was not authorized XXXX XXXX XXXX XXXX Inquired on XX/XX/year> Please remove it from my report 4. COLLECTION agency did not send me anything to verify this account so how did you verify it? Where is the valid documentation? Please remove this account immediately.3 XXXX  XXXX Account number : XXXX I am a victim of identity theft. Please remove it from my report. 

5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 percent accurate. 
XXXX XXXX Account number : XXXX Please remove it from my credit report 6. Section 623 states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not this COLLEECTION account can not report. Please remove this account immediately. 
XXXX Account number : XXXX I am a victim of identity theft. Please remove it from my report. 

7. COLLECTION agency did not send me anything to verify this account so how did you verify it? Where is the valid documentation? Please remove this account XXXX XXXX XXXX XXXX XXXX Account number : XXXX I am a victim of identity theft. Please remove it from 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 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 is missing that should be on the report
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
There are accounts reporting on my credit report that is not mine.

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: FL

Complaint narrative:
Complaint Against Equifax for Failure to Conduct a Reasonable Investigation and Frivolous Responses I am filing this complaint against Equifax for its failure to conduct a reasonable investigation of my disputes and for providing frivolous responses that claim an inability to verify my identity. Despite multiple disputes submitted through the CFPB and Equifaxs own online portal, Equifax has repeatedly failed to provide documentation proving it has conducted a legitimate investigation, violating my rights under the Fair Credit Reporting Act ( FCRA ).

Summary of Complaint Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) Equifax has repeatedly dismissed my disputes with a generic response stating that it " could not verify my identity '' despite my submissions including all required identification. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) establishes that credit bureaus must do more than rely on furnishers and must conduct independent investigations. Equifaxs refusal to engage in a meaningful review violates this legal standard.

Frivolous Response and Lack of Proof of Investigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ) I have requested that Equifax provide details on the procedures it used to verify the disputed information, but it has failed to do so. 
XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ruled that credit bureaus can not escape liability by blindly relying on third-party furnishers. Equifaxs refusal to validate its investigative process mirrors the misconduct in this case.

Failure to Properly Investigate and Correct Errors ( 15 U.S.C. 1681e ( b ) ) Equifax continues reporting inaccurate information despite my repeated disputes and their failure to conduct a reasonable reinvestigation. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) confirms that consumers have the right to challenge inaccurate credit reporting and that agencies must take proper investigative measures. Equifaxs inaction directly contradicts this ruling.

Applicable Violations 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 6 ) Failure to provide documentation proving an investigation was conducted.

15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to ensure accuracy in reporting. 

Additionally, XXXX has determined that four accountswhich Equifax continues to verify as accuratecould not be validated for accuracy and, in compliance with the law, has deleted them. PLEASE SEE ATTACHED

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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
To close the complaint recapture of 12 U.S.C. Section 92a certification recalls to credit reporting, separation of powers clause the illicit exporting excise exempt personal property certificate assessments Financial Statements XXXX periods in rudimentary analysis to XXXX C.F.R. Part 3052, third parties 12 U.S.C. Section 1832c instrument withdrawal applications, the export auditing identifiers fees due concerning 18 U.S.C. Section 2314 owner exempt tax stamps affected 18 U.S.C. Section 661 Federal Reserve Banking laundering ; the scope unchanged as to third parties sanctions preventive measures against securities underwriting, these transactions, the sales of original issues Customer Name XXXX XXXX. The revised " XXXX XXXX Financial Statements '' appropriation separate applicants review of the interstate export in-bond destination hold port discrepancy identifiers, ( Identity theft 18 U.S.C. Section 1028A ), procedures for duties 19 C.F.R. Part 24.1, in description of third parties withdrawals, 19 C.F.R. Part 18-19, 12 U.S.C. Section 1821d contractors or employees, personam requirements auditee 's book-entries, ( IRS-TreasuryDirect ) and XXXX XXXX, Addresses, Titles, XXXX 's, XXXX 's, Excise XXXX Stamp Rate Uses, Banks-FRB 's, XXXX 's, XXXX Withdrawals ' of, Original Issue State, Original Issue Auditors, Original Issue Treasurer 's, Original Issue XXXX, Original Issue IRS. Separated Appropriation duties payment, XXXX XXXX 's Auditors In bond changes 18 U.S.C. Section 554, customs duties, taxes, fees, interests, and other charges requiring the use of a social security numbers, passport numbers, or driver 's license numbers, Export Applicant 's Auditors States, Third Party Applicant 's conspiracy in connection to Bank-FRB 22 U.S.C. Section 2778, Third Party Jurisdiction and Classification Determination, to extent of state jurisdiction sales.

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