vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: NY

Complaint narrative:
DATE : XX/XX/year> RE : REQUEST FOR REMOVAL OF INACCURATE COLLECTIONS FROM MY CREDIT REPORT DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT, SPECIFICALLY RELATED TO CERTAIN CHARGED OFF ACCOUNT THAT ARE CURRENTLY BEING REPORTED. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. 

I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES, AND I HAVE IDENTIFIED ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. BELOW ARE THE DETAILS OF THE INACCURATE ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : 1. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE CHARGED OFF ACCOUNT LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THIS ACCOUNT, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION. 

2. REMOVAL OF INACCURATE CHARGED OFF : IF THE ACCURACY OF ANY OF THE IDENTIFIED ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY. 

XXXX. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION. I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE 30-DAY TIME FRAME MANDATED BY THE FCRA. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. 

PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE. I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY. 

IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

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 2025-01-31 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: NJ

Complaint narrative:
I am a victim of Data Breach and Identity Theft. Please, block and delete the account within 4 business days pursuant to FCRA 605B15 U.S.C. 1681c-2. 
XXXX XXXX XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX XXXXXXXX Account number : XXXX XXXX. XXXX XXXX XXXX  Account number ; XXXX XXXX. XXXX XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX Account number : 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 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I recently discovered that my personal and financial information has been shared without my consent. I did not authorize this disclosure, and it appears to be a violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Subject : Complaint Regarding Lack of Response from Credit Bureaus and Lenders Dear CFPB Representative, I am writing to formally submit a complaint regarding the lack of response from the three major credit bureaus ( Experian, Equifax, and TransUnion ) and my lenders after I submitted disputes and requests for updates to my credit report. 

On XX/XX/year>, I mailed letters to all three credit bureaus and relevant lenders, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requesting that they update my credit report to reflect accurate information regarding a debt forgiveness agreement and transfer of ownership. Despite allowing sufficient time for a response, I have not received any acknowledgment or updates from any of the parties. 

The details of my request included : A Debt Forgiveness Agreement from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, which confirms that my auto loan debt of {$53000.00} has been forgiven. 
A Certificate of Ownership and Transfer Agreement, also dated XX/XX/year>, confirming the transfer of ownership of the debt from XXXX XXXX XXXX XXXX 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to have my credit report accurately reflect my financial history. Since the credit bureaus and lenders have failed to respond within the required time frame, I am requesting CFPBs intervention to ensure compliance.

I have attached copies of the relevant agreements and my original correspondence with the credit bureaus and lenders for your review. I kindly request that the CFPB take appropriate action to enforce the necessary corrections to my credit report. 

Please provide an update on the status of my complaint as soon as possible. I appreciate your assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX [ Attachments : Debt Forgiveness Agreement, Certificate of Ownership and Transfer.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Subject : Complaint Regarding Lack of Response from Credit Bureaus and Lenders Dear CFPB Representative, I am writing to formally submit a complaint regarding the lack of response from the three major credit bureaus ( Experian, Equifax, and TransUnion ) and my lenders after I submitted disputes and requests for updates to my credit report. 

On XX/XX/year>, I mailed letters to all three credit bureaus and relevant lenders, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requesting that they update my credit report to reflect accurate information regarding a debt forgiveness agreement and transfer of ownership. Despite allowing sufficient time for a response, I have not received any acknowledgment or updates from any of the parties. 

The details of my request included : A Debt Forgiveness Agreement from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, which confirms that my auto loan debt of {$53000.00} has been forgiven. 
A Certificate of Ownership and Transfer Agreement, also dated XX/XX/year>, confirming the transfer of ownership of the debt from XXXX XXXX XXXX XXXX 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to have my credit report accurately reflect my financial history. Since the credit bureaus and lenders have failed to respond within the required time frame, I am requesting CFPBs intervention to ensure compliance.

I have attached copies of the relevant agreements and my original correspondence with the credit bureaus and lenders for your review. I kindly request that the CFPB take appropriate action to enforce the necessary corrections to my credit report. 

Please provide an update on the status of my complaint as soon as possible. I appreciate your assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX [ Attachments : Debt Forgiveness Agreement, Certificate of Ownership and Transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-01-31 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:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: DE

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: TX

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 2025-01-31 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2025-01-31 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: MO

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 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 2025-01-31 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: NY

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal infomation made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-01-31 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: AL

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 2025-01-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-31 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: OK

Complaint narrative:
Experian credit reporting has been putting wrong names on my credit report and also an address from XXXX stating that that is me and was on my credit report. Ive never lived in XXXX and my full name is XXXX XXXX XXXX XXXX. Experian has reported false names on my report that are not even close to being my name or accurate. I asked for the accounts that the fake names are associated with and also the fake address and Experian never gave me documentation showing what accounts were linked to the fake names and the fake XXXX address. as Ive stated, I always use my full legal name for any lines of credit or anything financial because of tax reasons, and I have never lived in the state of XXXX my whole entire life and yet they still reported it without verifying it. Then I received a notice that they took the names and address off of my report, but did not give me any of the original documentation for any accounts that were linked to those fake names and fake address. Attached below you will find snapshots from my phone showing the information that Experian was reporting on my credit report they since have removed the information but has not provided me with all documentation that was associated with those names and address. Which I requested so I could take legal action to have these things corrected And hold those responsible for using my information.

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 2025-01-31 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Dear Sir/Madam, I am writing to dispute fraudulent information that appears on my credit report provided by [ Credit Bureau Name ] . Upon reviewing my credit report, I have identified an account labeled [ Account Name ] that I did not open or authorize. This fraudulent account is not associated with any transactions or activities conducted by me, and its presence on my credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

The fraudulent account details are as follows : - Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Closed The inclusion of this fraudulent account on my credit report not only represents a severe breach of my financial security but also poses a significant threat to my creditworthiness and reputation. As per the FCRA regulations, credit reporting agencies bear the responsibility of ensuring the accuracy and integrity of the information they report on individuals ' credit profiles. 

Section 611 of the FCRA explicitly outlines the responsibilities of credit reporting agencies when reporting fraudulent information, emphasizing the need for accurate and timely investigation of disputed accounts. The presence of unauthorized and fraudulent accounts on my credit report not only compromises my financial standing but also violates my rights under the FCRA.

I demand that the fraudulent account labeled [ Account Name ] be promptly investigated and deleted from my credit report. This unauthorized account poses a serious risk to my credit reputation and financial well-being, and its immediate removal is imperative to mitigate any further harm.

Enclosed with this letter are copies of supporting documents that verify my identity and attest to the fraudulent nature of the account in question. I urge you to conduct a thorough investigation into this matter and take swift action to rectify the fraudulent reporting on my credit profile.

I expect a prompt response and the deletion of the fraudulent account from my credit report within the legally mandated timeframe of 30 days. Failure to address this matter in a timely and compliant manner will result in further action to seek redress for the violation of my rights under the FCRA. 

Thank you for your immediate attention to this critical issue. I look forward to the swift resolution of this dispute and the removal of the fraudulent information from my credit report. 

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 non-monetary relief