vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 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: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-02-07 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: OH

Complaint narrative:
I would like to request the complete and timely expungement of some fraudulent accounts in my credit profile, but I have not confirmed or accepted that these are accurate. I am disputing this under 623 FCRA 605b FCRA. I dispute the METRO 2 standards are followed on these claims and demands for payment. Please remove any negative information being reported immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. I looked at my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e, 15U.S. code 1666b Timing of payments.

Whenever a consume 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.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. PLEASE DELETE THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-07 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: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.

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 2025-02-07 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: OneMain Finance Corporation
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: AE

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 2025-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Claim ID : XXXX I am writing to formally request a reinvestigation of my dispute case regarding a purchase made on XXXX. The case was dismissed despite clear evidence that the seller provided incorrect shipping information, resulting in me not receiving the item. 

The documents submitted by the merchant include a falsified XXXX  tracking record, which appears to have been manipulated. However, XXXX also submitted their official documentation along with the seller 's documents to BOA. Since XXXX 's official records can not be altered, they accurately reflect the transaction details. 

A key discrepancy in the shipping details is as follows : The package was allegedly delivered to a ZIP code XXXX, according to the XXXX XXXX XXXX Tracking history. 
However, my actual shipping address at the time of purchase had a ZIP code of XXXX, as clearly recorded in XXXX official documentation. 
The seller manipulated the official XXXX document to conceal that the package was delivered to ZIP code XXXX by altering the address to XXXX. Additionally, despite the shipment not requiring a signature, the seller falsified the document to make it appear as if a signature was required and that the package was received. 

This inconsistency can be easily verified by reviewing the official XXXX document. Given that the XXXX XXXX shipping record has been manipulated, I am unable to understand why BOA dismissed my dispute without addressing this critical issue. 

I respectfully request that BOA conduct a thorough re-evaluation of my case, considering the discrepancies between the official XXXX XXXX and the sellers altered XXXX  documents. 

Please let me know if any additional information is needed. I appreciate your prompt attention to this matter. 

If you verify that the shipping address I requested at the time of my XXXX order is different from the actual delivery address, it will be easy to identify the issue. However, the reason my case was dismissed is due to the sellers falsified documents and BOAs inadequate investigation. 
I have attached the original Proof of Delivery ( PDF ) obtained from the official XXXX website for the tracking number in question. Additionally, I have marked the document submitted by the seller through XXXX as " FAKE DOCUMENT '' and attached it for comparison. Please review and compare the XXXX. 

Claim ID XXXX Claim amount {$1000.00} Claim ID XXXX Claim amount {$1500.00} Claim ID XXXX Claim amount {$2400.00} All three claims below involve the same seller and were dismissed for the same reason. Some are currently under reinvestigation upon request, and I am providing falsified evidence to support my case. I kindly request a thorough investigation.

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 monetary relief
Consumer complaint received 2025-02-07 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: MD

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-02-07 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: PA

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 non-monetary relief
Consumer complaint received 2025-02-07 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:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-02-07 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: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
My Information was stolen during XXXX data breach and XXXX XXXX XXXX . It has affected my livelihood and altered my credit score drastically. I'm unable to live because this has destroyed my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
My information was illegally shared to a debt collection agency. This agency has reached out to family members with my personal information and continues to call me daily to attempt to collect a debt that I do not owe to their company. The company is Midland Credit Management and the account was sold to them illegally XX/XX/2020. I have attempted to request, The name and address of the original creditor, A copy of the original contract or agreement related to this debt, Documentation demonstrating how this debt was legally transferred to your company. The company never responded. 
Per code 15 USC 1681, this is considered a data breach. My personal information was shared without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: NV

Complaint narrative:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Money was sent to me under my information and I never received the money. It was the correct name and phone # and email. And when I called the money could not be traced and I lost out on my money because it was said that it was sent to the wrong account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off-v.n XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed-v.n XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off-v.n XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off-v.n XXXX XXXX LOANS XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00} Charged Off XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXalance XXXX XXXX Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$300000.00} Late/Open New Added : XXXX XXXX XXXX ( Original Creditor : Original Creditor ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3400.00} Collection Inquiries : XXXX XX/XX/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 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 2025-02-07 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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:
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX ) for reporting multiple inaccuracies regarding my account. These inconsistencies are misleading and damaging to my credit profile. 

Company Name : XXXX XXXX  XXXX XXXX XXXX Lender ) Company Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Inaccuracies in Reporting : 1. Conflicting Account Opening Dates Across Different Credit Bureaus : One credit bureau reports the account was opened on XX/XX/XXXX Another credit bureau reports the account was opened on XX/XX/XXXX This inconsistency violates the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires accuracy in consumer reports.

2. Contradictory Payment and Account Statuses : The account is reported as Current and Closed at the same time.

One report states 60-89 days late, but another shows Current.

This creates confusion and is a clear violation of 1681s-2 ( a ) ( duty to furnish accurate information ).

3. Inconsistent Closure and Charge-Off Dates Across Different Credit Bureaus : One credit bureau states the account closed on XX/XX/XXXX, with a last payment on XX/XX/XXXX. 
Another report marks the account as charged off as bad debt and a profit and loss write-off. 
An account can not be closed and charged off simultaneously. This violates the FCRA and creates misleading reporting. 

Applicable Laws Supporting This Complaint : FCRA 1681e ( b ) : Duty to Ensure Maximum Possible Accuracy ( Conflicting reports violate this law ) FCRA 1681s-2 ( a ) : Duty to Provide Accurate Information ( Bureaus are reporting different dates ) FCRA 1681s-2 ( b ) : Duty to Investigate Disputes Consumer Financial Protection Act ( CFPA ) Prohibits Deceptive and Misleading Practices 1681e ( b ) : Duty to Ensure Maximum Possible Accuracy ( Conflicting reports violate this law ) 1681s-2 ( a ) : Furnishers must report accurate information 1681s-2 ( b ) : Duty to investigate disputes

Company response to consumer: Closed with non-monetary relief