vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: AZ

Complaint narrative:
I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I checked my XXXX Credit Report and noticed an account with a XXXX XXXX XXXX that started on XX/XX/XXXX. They let me know there is an account that was - Opened : XX/XX/XXXX Service End Date : XX/XX/XXXX Amount : {$2500.00} I called the XXXX XXXX XXXX and Original Creditor to have the account marked as fraudulent.

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 2025-01-28 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: OH

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section XXXX ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: M&T BANK CORPORATION
State: PA

Complaint narrative:
The accused company refuses to provide me with a document of permissible purpose per 15 U.S.C. 1681b ( 2 ), as well as a Form 1099-C for a cancellation of debt to a charged off account. M & T Bank have been purchasing my consumer report from XXXX XXXX Consumer Reporting Agency ) and knowingly as well as illegally per 15 U.S.C. 1681 ( n ) ( o ) been reporting false and inaccurate information on my credit consumer report. M & T has never offered any manner or form of credit to be posting charged off accounts to XXXX. A ( CRA ) that I also did not give explicit permissible purpose to XXXX to furnish or sell my report, or information The IRS considers a charge off as INCOME, a 1099-C shouldve been issued to me for charging off a debit checking account. The accused bank ( Manufacturers & Traders Trust Company ) have constantly been blowing me off, and constantly challenging me and my knowledge. Ive attempted and instructed XXXX XXXX XXXX Bank numerous times to provide me with proof of permissible purpose. I was told its legal documentation and it can not be provided. I was told it would take XXXX days to obtain a copy. Quite frankly they do not have it, and still think they can fool me. M & T Bank have claimed theyre aware and wants to assure me they comply with all applicable fair banking laws, rules, and regulations. 12 CFR Part 1022 states that M & T Bank is a user of consumer reports and MUST obtain permissible purpose by the consumer. Reluctantly, they know and are aware of all FCRA Rules and Regulations, but refuses to comply. A blatant violation of the FCRA and Federal Laws.

12 CFR Part of 1023 - Fair Credit Reporting ; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. 

Identify inquiry resulting from the identity theft that should be blocked or deleted. 


XXXX XXXX XXXXXXXX repored date XX/XX/year>

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 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
After a longer health related absence I returned to my small business and found out that there were XXXX purchases deducted from the account over several months. I reported the fraud to BoA. They maintained that i gave someone my bank card which is not true. I never use the bank card for purchases or cash withdrawal. This can be verified looking at the monthly statements. The card is kept in the safe. BoA said they would communicate with XXXX do find out who ordered these items and where they were shipped to. After several weeks i received a letter informing that case was closed and no refund would be issued. No information whatsoever regarding a investigation with XXXX. I called again and they said they would reopen the case. No communication after that. Both calls have been recorded by BoA. Copie of monthly statements can be provided years back that show that the bank card was never use by me.

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 2025-01-28 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: TX

Complaint narrative:
XXXX/XXXXXXXX Account # XXXX Original Creditor : XXXX XXXX XXXX Apartment Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX : ( XXXX ) XXXX Dear Sir or Madam, I am writing to formally dispute a fraudulent charge or debit attributed to my account in the amount of {$530.00}. I am requesting the charge to be removed due already paying the settlement amount of {$480.00}. on XX/XX/year>, to XXXX XXXXXXXX XXXX XXXX. This dispute is submitted under the Fair Credit Reporting Act ( FRCA ), 15 U.S.C. 1681, which requires credit reporting to conduct a reasonable reinvestigation of disputed item. Recent finding by the CFPB have brought to light significant concerns regarding Equifax to conduct proper investigations specifically, in a lawsuit filed against Equifax, Enclosed are copies of the documents including the receipt of the amount and screenshots of the text messages between me and the original creditor and them accepting the settled amount. Furthermore, a letter from the original creditor stating there is no longer a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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:
Since 2021. I have disputing a late paymen on my XXXX XXXX car loan. I spoke with XXXX XXXX and they agreed that theres a discrepancy. And they informed to dispute it and they won't fight it. The issue came from their end and whoever handled my account. 
No matter what Experian always respond back to me as accurate. Out of all my dispute I was only provided payment statement and you can see the discrepancy. All payments made on time except one that only showed partial payment. As Per agreement between myself and XXXX XXXX I request this issue to finally be resolved. I believe I have the recorded phone call. I will need to find it.

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 2025-01-28 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 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 explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: OH

Complaint narrative:
I am requesting the immediate removal of the unauthorized accounts from my credit report. These accounts were not authorized by me, and I am unaware of their origins. In line with USC 1681g, please remove them within the next 15 days. Enclosed are the supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NY

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: TX

Complaint narrative:
I have submited serveral disputes to Transunion via multiple disputing services and yet nothing has changed. These debts that ARE NOT MINE are still on my credit. I repeat these debts are not mine yet transunion has refused to remove these off my credit. I submitted disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Sure! XXXX the updated version of the letter without the signature line : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX Date : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Dear Sir/Madam, I am writing to formally dispute the information reported on my credit file. Specifically, I demand the immediate removal of the following items from my credit report : XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$1900.00} XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Amount : {$430.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$680.00} Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. I believe that the entries listed above are either inaccurate, outdated, or unverifiable, and therefore, they must be removed from my credit report.

Additionally, pursuant to 15 U.S.C. 1681e ( b ), TransUnion is obligated to maintain reasonable procedures to ensure that the information it reports is accurate. Given that the above-mentioned items do not meet this standard, I demand that TransUnion conduct a thorough investigation into these matters and remove these items from my credit file immediately. 

Please provide written confirmation that these items have been removed, or that an investigation has been initiated in accordance with FCRA guidelines. If TransUnion fails to respond or provides inaccurate or incomplete information, I will escalate my dispute to the Consumer Financial Protection Bureau ( CFPB ) as permitted under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

I expect to receive a resolution within 30 days from the receipt of this letter, as required by law. 

Thank you for your prompt attention to this matter. 

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
Consumer complaint received 2025-01-28 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: GA

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 2025-01-28 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: NV

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 the XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount : {$890.00} 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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 years.

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 2025-01-28 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: NJ

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). I would like to bring your attention to specific laws that outline your responsibility in handling disputes : 1. 15 U.S.C. 1681i ( a ) ( 1 ) - This requires credit reporting agencies to investigate disputed information within 30 days.

2. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) - This mandates that if the investigation results in changes, I must be notified of the corrections made.

3. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) - This requires reinsertion of previously deleted information to meet strict verification requirements, and I must be informed if this happens. 

The inaccuracies on my report are having a negative impact, and I request an immediate investigation and correction of the following : Please provide me with the results of your investigation, the updated credit report, and a detailed explanation of the changes made in compliance with federal law. 

If these issues are not resolved promptly, I will consider pursuing further action to enforce my rights under the FCRA.

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 2025-01-28 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: NJ

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). I would like to bring your attention to specific laws that outline your responsibility in handling disputes : 1. 15 U.S.C. 1681i ( a ) ( 1 ) - This requires credit reporting agencies to investigate disputed information within 30 days.

2. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) - This mandates that if the investigation results in changes, I must be notified of the corrections made.

3. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) - This requires reinsertion of previously deleted information to meet strict verification requirements, and I must be informed if this happens.

The inaccuracies on my report are having a negative impact, and I request an immediate investigation and correction of the following : Please provide me with the results of your investigation, the updated credit report, and a detailed explanation of the changes made in compliance with federal law.

If these issues are not resolved promptly, I will consider pursuing further action to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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 insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2025-01-28 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: NY

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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