vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 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: VA

Complaint narrative:
To Whom It May Concern, I am reaching out to report multiple inaccuracies on my credit report that the credit bureaus have failed to correct. These errors include addresses where I have never lived, outdated employment information, and name variations that do not accurately represent me. Furthermore, several inquiries appear on my report without my consent or knowledge. These inaccuracies are not only misleading but also violate my rights under the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verified information. I have contacted the credit bureaus to rectify these issues, but no action has been taken. I am requesting the CFPB 's assistance in enforcing a thorough review to ensure these items are corrected, as they are affecting my credit reputation and potentially my ability to obtain necessary credit and employment. 
Thank you for your assistance in this urgent matter.NQUIRY - XXXX XXXXXXXX XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX XXXX  XXXX NQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX XXXX XXXXXXXX - XXXX INQUIRY - XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXX XXXX  XXXX INQUIRY - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXX - XXXX INQUIRY - XXXX XXXXXXXX XXXX XXXX  XXXX INQUIRY - XXXX XXXX XXXX XXXX  XXXX INQUIRY XXXX XXXX XXXX XXXX  XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX XXXX XXXXXXXX INQUIRY - XXXXXXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX XXXXXXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX XXXXXXXX - XXXX INQUIRY - XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXXXXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXXXXXX INQUIRY - 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 non-monetary relief
Consumer complaint received 2024-11-19 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 was charged overdraft fees numerous times over months. I tried to resolve it but no luck. My bank is Navy Federal Credit Union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-20 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: FL

Complaint narrative:
I am filing a complaint against TransUnion for reporting inaccurate and incomplete information on my consumer report. They have placed alleged accounts on my report without my knowledge or permissible purpose, violating my privacy rights under 15 U.S.C. 1681b, which outlines the limited circumstances under which a consumer report can be obtained or used.

Furthermore, TransUnion is in violation of 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Despite my disputes, TransUnion has failed to verify or validate these alleged accounts, and their continued reporting of this inaccurate information has caused significant harm. 

As a result, I am unable to purchase a home for my children and me, and my employment opportunities have been negatively impacted. This invasion of my privacy and disregard for federal law has caused unnecessary financial and emotional distress. 

I request that the CFPB hold TransUnion accountable for these violations, require the removal of these inaccurate accounts, and ensure compliance with the FCRA to prevent further harm.

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 2024-11-19 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: FL

Complaint narrative:
My credit report contains accounts that are presently under legal review, as they are involved in pending litigation. These unresolved matters are negatively affecting my credit score despite being open cases

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 2024-11-19 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: FL

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : personal information : name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX Current Address ( es ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX late payment XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$58000.00} XXXX XXXX XX/XX/XXXX {$0.00} collection/charge off XXXX XXXXXXXX XX/XX/XXXX {$450.00} Repossession XXXX XXXX XXXX XX/XX/XXXX {$0.00} inquiries : XXXX XX/XX/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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: LA

Complaint narrative:
Please review the files that are attached.My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be updated. 


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 TRANSUNION 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! 


Update the late payments from my consumer reports

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 2024-11-19 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: LA

Complaint narrative:
Please review the files that are attached.My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated.

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  EXPERIAN XXXX  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! 


Update the late payments from my consumer reports

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 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I saw the account on my credit report and wrote the company and disputed it on all 3 credit bureaus, I never got an answer or correct information. I never opened the account. XXXX has deleted the accounts as you can see in the attached documents. I just want it deleted from XXXX and XXXX. 

There were 6 accounts from LVNV that were DELETED on my XXXX credit report listed below : LVNV - ACCT # XXXX LVNV - ACCT # XXXX LVNV - ACCT # XXXX LVNV - ACCT # XXXX LVNV - ACCT # XXXX - Balance {$1600.00} LVNV - ACCT # XXXX - Balance : {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit file, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681c- 2 ( a ), and 605 ( b ). I am a victim of identity theft stemming from a data breach, and the accounts and inquiries listed below were opened or made without my knowledge or consent. 
XXXX Accounts to XXXX and Delete : XXXX. XXXX XXXX - Account ID : XXXX - Opened : XX/XX/XXXX - Balance : {$44.00} XXXXXXXX XXXX XXXX  - Account ID : XXXX - Opened : XX/XX/XXXX - Balance : {$430.00} XXXX. XXXX - Account ID : XXXX - Opened : XX/XX/XXXX - Balance : {$760.00} XXXX. XXXX XXXX - Account ID : XXXX - Opened : XX/XX/XXXX - Balance : {$1300.00} XXXX. XXXX XXXX Account ID : XXXX - Opened : XX/XX/XXXX - Balance : {$770.00} XXXXXXXX XXXX - Account ID : XXXX - Opened : XX/XX/XXXX - Balance : {$770.00} XXXX. XXXX - Account ID : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account ID : XXXX - Opened : XX/XX/XXXX - Balance : {$3700.00} XXXX. XXXX - Account ID : XXXX - Opened : XX/XX/XXXX - Balance : {$840.00} XXXX. XXXXXXXX XXXX - Account ID : XXXX - Opened : XX/XX/XXXX - Balance : {$2300.00} XXXX. XXXX XXXX - Account ID : XXXX - Opened : XX/XX/XXXX - Balance : {$370.00} XXXXXXXX XXXX XXXX XXXX  - Account ID : XXXX - Opened : XX/XX/XXXX - Balance : {$370.00} Unauthorized Inquiries to Remove : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There is a XXXX reporting on my credit report, These XXXX is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-11-19 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: Nav Technologies, Inc.
State: GA

Complaint narrative:
NAV TECHNOLOGIES INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX PULLED MY CREDIT XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I WANT TO KNOW WERE THIS COMPANY GOT MY INFORMATION AND WHY ARE THEY CHECKING MY CREDIT EVERY MONTH.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: MO

Complaint narrative:
I asked for verification of how they verified the information on my report and they sent a letter stating that it was verified through the court along with the court address. I received a letter from the court stating that they do not verify any information to any credit agencies. I also have a letter from XXXX stating that it was removed from my XXXX report because they were unable to verify the information. 

In addition, the letter from XXXX also states that I can submit any new information online. However, when trying to stated that I needed to call, and when I called, they said I had to write a letter or wait for 14 to submit it online. The problem is that by that timeframe is that the investigation will be fully closed. I am attaching all verification. 

I contacted the Court of Record you listed on my credit file, and they confirmed that they neither provide or verify court records to any credit agencies or to any other third party. ( See attached ) I then contacted XXXX and informed them of their errors in the reporting and they responded with a letter deleting and all Public Record notations stating that it was deleted with an updated report. ( See attached ) I request that they each delete the alleged Public Record and provide me with an updated copy of my consumer file.

In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information, investigated the data and reinvestigated it due to my current dispute. The information they provided is inaccurate and I did not receive a description of the procedure that was used to verifiy the information. 

Unfortunately, it appears that they do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that is included in the credit reports concerning me. Your prompt attention to this important matter is requested in order to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: MO

Complaint narrative:
I asked for verification of how they verified the information on my report and they sent a letter stating that it was verified through the court along with the court address. I received a letter from the court stating that they do not verify any information to any credit agencies. I also have a letter from XXXX stating that it was removed from my XXXX report because they were unable to verify the information. 

In addition, the letter from XXXX also states that I can submit any new information online. However, when trying to stated that I needed to call, and when I called, they said I had to write a letter or wait for 14 to submit it online. The problem is that by that timeframe is that the investigation will be fully closed. I am attaching all verification. 

I contacted the Court of Record you listed on my credit file, and they confirmed that they neither provide or verify court records to any credit agencies or to any other third party. ( See attached ) I then contacted XXXX and informed them of their errors in the reporting and they responded with a letter deleting and all Public Record notations stating that it was deleted with an updated report. ( See attached ) I request that they each delete the alleged Public Record and provide me with an updated copy of my consumer file.

In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information, investigated the data and reinvestigated it due to my current dispute. The information they provided is inaccurate and I did not receive a description of the procedure that was used to verifiy the information. 

Unfortunately, it appears that they do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that is included in the credit reports concerning me. Your prompt attention to this important matter is requested in order to comply with federal law.

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 2024-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
This company is creating false statements and headed towards legal ramifications if they continue to make incorrect financial statements. I did not nor was I in possession of an account starting XX/XX/XXXX. My account was not started until XX/XX/XXXX with Money Network they are totally falsifying my report and bank history. The incident in question was on a date I was not at any bank so it would be hard to place me at two places around the same time. Money Network allowed for my personal information to be changed twice by way of the same incident and also stated the opposite and also closed out my account for security precautions due to it being out of pattern. This company also never did an investigation into who did a transaction using my information on the XXXX of XX/XX/XXXX. They need to show proof I did a {$8000.00} transaction on XX/XX/XXXX or face wire fraud charges if not reimbursed for breach of security. They never even provided a provisional credit that was stated during the report of fraud on the phone on XX/XX/XXXX when I reported someone had been hacking into my account doing information changes without my knowledge. That was someone skimming my card information and also changed the phone number on my account to one they have never told me about. They are scamming people out of their funds.

Company response to consumer: Closed with explanation