vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: MA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan opened at XXXX on XX/XX/XXXX under the account number XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent account appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. Additional fraudulent inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: CT

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: NY

Complaint narrative:
account. 
I was reviewing my credit report and found some errors relating to my payment history on some accounts. The credit reporting agencies have the responsibility to report accurate information. I have never been late on ( Account Name, Number ). Please investigate these errors and remove the late payments if these can not be verified

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 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I use venmo for my purchases and my cardvwas compromised and i went to dispute tge transactions at fault and they refused then and sisnt give me back my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: FL

Complaint narrative:
I have had Navy Federal over 8 years and had overdraft issues. Transactions were delayed, causing my account to look like more funds were available causing the overdraft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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:
I paid off this loan on XX/XX/year>. They have failed to report this loan as being paid off which has continued to damage my credit score. Due to this I was unable to get medical loans because I owed to much. This was over XXXX that was paid to them. I have called multiple times asking for my paid off letter and other information so I could dispute this but they have failed to give me that. Numerous supervisors have given me information saying it was reported as closed and paid off. I also never received any letter saying it was paid off and the account was closed. They are causing me financial damage everyday of this being reported on my account. Every time I call they give me a different date it was reported and the last supervisor stated to me she could not give me anything in writing saying it was paid off. This company is SHADY

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 2025-02-13 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: CA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) .Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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 non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX  XXXX To whom it may concern : I am writing to formally dispute an unauthorized inquiry that appears on my credit report. This inquiry is a violation of several federal statutes designed to protect consumers, including the Fair Credit Reporting Act ( FCRA ) and other applicable laws. The specific statutes that have been violated include : 15 U.S. Code 1681b Permissible Purposes of Consumer Reports : This section restricts access to credit reports without explicit consumer authorization or a legitimate purpose.

15 U.S. Code 1681e ( b ) Accuracy of Credit Reports : Consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) Exclusion of Certain Transactions from Consumer Reports : This section specifies the types of information that should not appear on a credit report.

15 U.S. Code 6802 Obligations Regarding Disclosure of Personal Information : This law mandates that financial institutions obtain a consumers consent before sharing personal financial information with third parties.

15 U.S. Code 6803 Disclosure of Privacy Policies : Institutions must provide clear and accurate disclosures of their privacy poli

cies regarding how consumer data is shared. 18 U.S. Code 102
8A Aggravated Identity Theft : Unauthorized use of personal identifying information can constitute identity theft, which carries serious legal consequences. 
The inquiry I am disputing was made without my knowledge or written consent. This unauthorized inquiry is both inaccurate and a violation of my rights under the aforementioned statutes. 

Given the legal implications, I respectfully request that you : Immediately remove the unauthorized inquiry from my credit report. 
Ensure that your procedures for verifying inquiries comply with the above federal statutes. 
Send me an updated copy of my credit report reflecting this correction. 
I have attached copies of my identification and proof of my current address for verification purposes. 

Thank you for your prompt attention to this matter. I expect a response confirming the removal of the unauthorized inquiry within 30 days of receiving this letter. If no action is taken, I reserve the right to pursue further legal remedies. 

Sincerely, XXXX XXXX XXXX Attachments : Photo identification document Proof of current address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am submitting a complaint regarding multiple disputes I filed with Experian, Transunion, and Equifax concerning accounts reported by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX on my credit report. My dispute specifically requested verifiable proof of my signature or authorization to validate the accounts legitimacy provided by the original creditor. 

Despite multiple disputes and requests, Experian, Transunion, and Equifax closed the dispute as accurate without providing any evidence from the creditor, such as a signed agreement or application proving I consented to this account. This failure to provide verification violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy of reported information. 

I am formally requesting the CFPB to investigate this matter and require Experian, Transunion, and Equifax to either produce documented proof of my authorization or have the account removed from my credit reports immediately. 

The first Creditor is XXXX XXXX XXXX : There are XXXX collection accounts : XXXX. {$5500.00} XXXX. {$8600.00} The Second Creditor is XXXX XXXX XXXX XXXX XXXX : There are XXXX collections accounts : XXXX. {$18000.00} XXXX. {$25000.00} XXXX. {$450.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: OneMain Finance Corporation
State: IN

Complaint narrative:
Ive had a loan with this company for 2.5 years and paid off the balance in full XX/XX/XXXX before the 72 months I contracted for. This was my 2nd loan Ive successfully paid off with this creditor. I made all my contractual payments before the XXXX day credit report hit and incurred XXXX post grace period late payments during my time. Not XXXX time did the company report any of my late payment fees to the credit report as 30 days past due. All 14 late payment fees went past 30 days into the next month. Never reported a 30day breach to any credit bureau. I paid off my full principle and interest balance on XXXX 1 day before the XXXX  day would have hit my report as negative. I only had {$460.00} dollars remaining of late fees. I called the day I made the final payment to confirm the late fees would not be reported to the credit bureau as 30 day hit because all the fees were past 30 days before and was never reported. I have a 100 % credit history on all 3 credit bureaus with this merchant. It was confirmed the late fees would not get reported but stated I would still have the balance and wouldnt get a title until the late fees were paid. I paid the late fees in full XX/XX/XXXX. The account was closed. XX/XX/XXXX of XXXX the merchant reported my late fee payment to the credit bureau as 30 days late for XXXX. I disputed it because the account was paid in full for principle and interest and I did not have a XX/XX/XXXX payment due. XXXX removed the late payment and gave me back my XXXX points lost on XX/XX/XXXX. The company sent me a letter reading the would not remove the hit because the late fees were paid after 30 days. I disputed it again and the case is pending. I cited the FCRA and how none of my late payments had been reported 30 days late and that breached the accurate and consistent requirement of the act. The merchant updated the late payment from XXXX as reported in error previously to XX/XX/XXXX being 30 days late. I provided a snippet from my payment history showing I had no balance except late fees when I made the final payment on XX/XX/XXXX which was the XXXX day and not the XXXX day. They have yet to update the credit bureau and it is causing me a hardship because the point drop I cant refinance my mortgage. This is illegal and unfair being I confirmed via a call and the history of never reporting late fees to the report at the end violates the whole promise of the FCRA. Please review and expedite over turning this unfair and damaging practice. I have all the proof directly from my account history on their site and my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: IL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian Information Services, LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Credit Report Information Dear Sir/Madam , I am writing to formally dispute certain information that I believe to be inaccurate on my credit report. This dispute is made in accordance with my rights under the Fair Debt Collection Practices Act, 15 USC 1692, and the Criminal Code under 18 USC 894, which prohibit deceptive practices and misrepresentation in debt collection. Which Experian and Equifax is currently in lawsuits for not properly investigating or validating accounts. 

My Details : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX of Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Disputed Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$650.00} XXXX XXXX XXXX XXXX acct # XXXX {$2900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$92.00} Reason for Dispute : The company did not properly validate these accounts, they did not provide me any documents like the original contract/purchase agreement with my signature, history of payments, method of payments, nor documents that they own alleged debt and stating they're within the statute of limitations, etc according to 18 USC 864. Furthermore, it's being reported in my credit file the debt has been charged off which means a 1099 has been filed in which I did not received a copy of this document. My rights have violated on so many levels for grounds to go to court, file a suit, and you'll be fine for damages I request that you investigate the inaccuracies on my credit report and correct any information that is erroneous. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am entitled to a timely investigation and resolution of this dispute. Please provide me with a copy of the results of your investigation and any updates made to my credit report. 

In addition, please ensure that any inaccurate or incomplete information is removed or corrected as required by law. I also request that you send me an updated copy of my credit report once the dispute has been resolved. 

I appreciate your prompt attention to this matter and expect to receive a response within the statutory 30-day period. I've also included a copy of my current DL and Proof of address. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX of Social Security : 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 non-monetary relief
Consumer complaint received 2025-02-13 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: TN

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian Information Services, LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Credit Report Information Dear Sir/Madam , I am writing to formally dispute certain information that I believe to be inaccurate on my credit report. This dispute is made in accordance with my rights under the Fair Debt Collection Practices Act, 15 USC 1692, and the Criminal Code under 18 USC 894, which prohibit deceptive practices and misrepresentation in debt collection. Which Experian and Equifax is currently in lawsuits for not properly investigating or validating accounts. 

My Details : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX of Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Disputed Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$650.00} XXXX XXXX XXXX XXXX acct # XXXX {$2900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$92.00} Reason for Dispute : The company did not properly validate these accounts, they did not provide me any documents like the original contract/purchase agreement with my signature, history of payments, method of payments, nor documents that they own alleged debt and stating they're within the statute of limitations, etc according to 18 USC 864. Furthermore, it's being reported in my credit file the debt has been charged off which means a 1099 has been filed in which I did not received a copy of this document. My rights have violated on so many levels for grounds to go to court, file a suit, and you'll be fine for damages I request that you investigate the inaccuracies on my credit report and correct any information that is erroneous. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am entitled to a timely investigation and resolution of this dispute. Please provide me with a copy of the results of your investigation and any updates made to my credit report. 

In addition, please ensure that any inaccurate or incomplete information is removed or corrected as required by law. I also request that you send me an updated copy of my credit report once the dispute has been resolved. 

I appreciate your prompt attention to this matter and expect to receive a response within the statutory 30-day period. I've also included a copy of my current DL and Proof of address. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX of Social Security : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief