vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 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: SC

Complaint narrative:
I have tried disputing this account several times with the credit bureaus and they have ignored my claim and proof that this account is inaccurate and violating my rights. This is my final attempt to have XXXX cooperate before proceeding with legal action.

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 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America froze all of the money in my business checking account, approximately {$120000.00}, they placed the account on a suspected fraud hold and only when I reached out did I find out that any of this had happened. Meanwhile they continued to accept deposits on my behalf but would not allow me any information on what was happening with the funds in the account, or let me withdraw anything. This lasted approximately XXXX weeks before they decided to close the account and disperse a check for around {$52000.00}, while withholding the other {$76000.00} for an indefinite amount of time. This was all of my operating capital and caused a horrible disruption in my brand new business, not only that they called my customers and told them they were doing business with a fraud company, without so much as a phone call to me to ask what the transactions were about. They have terrible business practices and cost me upwards of {$50000.00}, as this was the busiest time of year for my business and I had to go out and find new banking. They still have not sent the rest of the money back to the sender or to me, its been three months.

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 2025-02-09 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: IL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practices violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's 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 ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Here is the accounts that was mark inaccurate XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: GA

Complaint narrative:
Their was a credit breach, my information has been compromised, that is against the 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 non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Selene Holdings LLC
State: NV

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I mailed Qualified Written Requests to Selene Finance LP demanding to correct errors, a payoff statement and other inquiries. To date, Selene failed to respond. On XX/XX/XXXX, XXXXXXXX XXXX  Not In Its Individual Capacity But Solely as Owner Trustee of XXXX XXXX XXXX recorded an Assignment of Deed of Trust from XXXX to XXXX XXXX XXXX XXXX ; and also filed a Notice of Default and Notice of Trustee 's Sale. On or about XX/XX/XXXX, I received a letter from my inquiry to XXXX XXXX and was shocked to discover that XXXX was closed and defunct since XXXX ; that they did not hire XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, nor XXXX XXXX XXXX XXXX XXXX XXXX. Also XXXX XXXX, XXXX XXXX XXXX declared under oath that they represent XXXX in attempts to steal my home I have owned for many years. Selene signed a POA stating they represent XXXX, a defunct and closed trust, and have been mailing billing statements for years. XXXX XXXX XXXX, along with XXXX XXXX XXXX, XXXX XXXX, filed a false Notice of Default and Trustee Sale pushing me into filing a petition for foreclosure mediation and two bankruptcies. Unauthorized attorneys XXXX and XXXX et al filed a false Proof of Claim XXXX XXXX Trustee XXXX XXXX failed to investigate the POC. XXXX XXXX XXXX improperly substituted in XXXXXXXX XXXX  for XXXX in favor of all attorneys falsely claiming to represent a defunct and closed trust, and failed to rule on the allowance or non-allowance of XXXX XXXX  XXXX and other numerous motions I filed. All attorney/defendants failed to answer the Adversary Complaint I filed and are in default. Unauthorized attorney XXXX violated the stay and knowingly filed a Motion to Lift stay in which XXXX XXXX ruled in their favor. There are thousands of corrupt attorneys across the country falsely claiming to represent XXXX and filing false claims against unsuspecting debtors who filed bankruptcy seeking protection. I have been systematically been stripped of any constitutional rights. This is not justice! It is the weaponization of the courts in collusion with lawyers for their financial gain and predetermined by these courts and lawyers. XXXX XXXX, please help save my home from being stolen from unscrupulous attorneys, servicers, and beneficiaries recording false documents and falsely claiming to represent closed and defunct trusts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding a charge-off that I do not recognize. This charge-off has been reported to [ insert name of the company or financial institution, such as a creditor, credit bureau , or ChexSystems ] and appears to be fraudulent, potentially linked to identity theft. 

Here are the details of my case : The account in question is listed under [ account number or reference number, if available ]. 
I have no knowledge of this account or debt, and I believe it was opened or misused without my authorization.

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 2025-02-09 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:
This is my 4th time asking CFPB to help me dispute an account and requested from the credit bureau that is not just reporting inaccurate info but also it's charged off and this is not my account. I never received a 1099 C. I continue to get verified but no documents have been provided. My rights are being violated. I have included a copy of my driver license and social security card to validate my identity. I Filed a complaint with 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 2025-02-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
COLUMBIA DEBT RECOVERY LLC DBA GENESIS is attempting to collect a debt without first trying to collect from the group the judgement ordered. I received a settlement of my rental debt through the Department of Commerce TPP department who agreed to loan me the amount of this debt. XXXX Properties hand in hand with XXXX XXXX XXXX completely disregarded this settlement and came after me. They eventually sold this debt to the aforementioned collection agency who, by their own admission, have no record of this settlement. Ive sent them the paperwork more than once and they refuse to stop harassing me or reporting to the credit union. Im at a loss. I dont know what to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: GA

Complaint narrative:
Equifax and the others have allowed false reports on my account and havent provided their methods of verification Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove the items from my credit report.

If an account is closed or charged off, it should not continue to report. FDCPA 15 U.S.C. 1692 /Section 623a5. Section 8078 : False or Misleading Representations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: SC

Complaint narrative:
I am filing a complaint against XXXX and Experian failing to probably investigate my dispute Debt Collection Practices ( Regulation F ) AGENCY : Bureau of Consumer Financial Protection.

ACTION : Final rule ; official interpretation.

SUMMARY : The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ). The final rule governs certain activities by debt collectors, as that term is defined in the FDCPA.

Among other things, the final rule clarifies the information that a debt collector must provide to a consumer at the outset of debt collection communications, prohibits debt collectors from bringing or threatening to bring a legal action against a consumer to collect a time-barred debt, and requires debt collectors to take certain actions before furnishing information about a consumers debt to a consumer reporting agency. 
DATES : This rule is effective on XX/XX/year>. 
FOR FURTHER INFORMATION CONTACT : XXXXXXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Senior Counsels, Office of Regulations, at XXXX. If you require this document in an alternative electronic format, please contact 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 2025-02-09 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Can not get into my Equifax account to change all the factors names.Correct my address and dispute.Things that are on my credit not able to get in my account.Did it multiple times can not get through.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: CA

Complaint narrative:
My information was compromised in a data breach in XXXX  and I wish to have my credit expunged

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My information was compromised in a data breach in XXXX  and I wish to have my credit expunged

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: NV

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 2025-02-09 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: FL

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report. Upon reviewing my report on XX/XX/XXXX, I noticed that certain accounts contain incomplete and incorrect information. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy when preparing consumer reports. However, the following accounts are reporting incorrect information : Account Name : XXXX XXXX Closed on XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX Closed on XX/XX/XXXX Account Name : XXXX XXXX Closed on XX/XX/XXXX Account Name : XXXX Closed on XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX  Closed on XX/XX/XXXX The specific inaccuracies include : Incorrect open date Incorrect date of last activity Incorrect date of last payment Since these errors may negatively impact my credit profile, I request an immediate investigation and correction of these discrepancies. Please provide me with the results of your investigation in writing. 

Enclosed are copies of relevant documents supporting my dispute. I appreciate your prompt attention to this matter and look forward to your response.

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report. Upon reviewing my report on XX/XX/XXXX, I noticed that certain accounts contain incomplete and incorrect information. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy when preparing consumer reports. However, the following accounts are reporting incorrect information : Account Name : XXXX XXXX Closed on XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX Closed on XX/XX/XXXX Account Name : XXXX XXXX Closed on XX/XX/XXXX Account Name : XXXX Closed on XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX  Closed on XX/XX/XXXX The specific inaccuracies include : Incorrect open date Incorrect date of last activity Incorrect date of last payment Since these errors may negatively impact my credit profile, I request an immediate investigation and correction of these discrepancies. Please provide me with the results of your investigation in writing. 

Enclosed are copies of relevant documents supporting my dispute. I appreciate your prompt attention to this matter and look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: TX

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. 

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 has violated my rights.

I looked at my TransUnion credit report on XXXX and according to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Their was a credit breach, my information has been compromised, that is against the 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 2025-02-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Their was a credit breach, my information has been compromised, that is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: OR

Complaint narrative:
I didnt have any idea that I owed this bill and it seems a little suspicious as Im being pursed by 2 collections companies for the same company XXXX XXXX XXXX

I let them know that I had a phone stolen and they took all my flight miles hotels turned things into gift cards in XXXX XXXX. While I was in another state working. That was 4 years ago. Im just getting these as well a lot of attempts to open credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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 filing this complaint against Experian, XXXX, and XXXX regarding multiple fraudulent accounts and unauthorized inquiries appearing on my credit report due to identity theft. 
Upon reviewing my credit reports, I discovered several accounts that I did not open or authorize, including : XXXX XXXX  ( Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Opened : XX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX ) Additionally, I found unauthorized hard inquiries from 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 
I have already submitted a formal FTC Identity Theft Report ( Report Number : XXXX ). I have attached my FTC Identity Theft Report as supporting documentation. Please take prompt action to resolve this matter and provide a written confirmation once the corrections have been made.

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