vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple withdrawals 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 2025-01-24 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-01-24 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:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report.

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 2025-01-24 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 kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report.

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 2025-01-24 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: KY

Complaint narrative:
I am filing a complaint against XXXX and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, both credit agencies consistently respond within 24 hours stating that the account is accurate without providing proof of a substantial investigation. This practice violates the Fair Credit Reporting Act which mandates a reasonable investigation of all disputes. I request that the CFPB take action to ensure that XXXX and XXXX comply with the law and provide consumers with necessary proof of investigation. Account names are as listed below : 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 2025-01-24 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: KY

Complaint narrative:
I am filing a complaint against XXXX and Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, both credit agencies consistently respond within 24 hours stating that the account is accurate without providing proof of a substantial investigation. This practice violates the Fair Credit Reporting Act which mandates a reasonable investigation of all disputes. I request that the CFPB take action to ensure that XXXX and Equifax comply with the law and provide consumers with necessary proof of investigation. Account names are as listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : 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 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 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 XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-01-24 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : 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 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 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/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-01-24 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: FL

Complaint narrative:
I reviewed my Consumer Report and noticed that i had late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the account : XXXX XXXX XXXXXXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: FL

Complaint narrative:
I reviewed my Consumer Report and noticed that i had late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the account : XXXX XXXX XXXX  Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from my credit report.

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 2025-01-24 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:
XXXX XXXX XXXX  acct # XXXX should not be reporting on my credit. XXXX XXXX XXXX  has violated 15 USC 1611. By providing false and inaccurate information using charts or tables to understate annual percentage rates. XXXX XXXX intentionally and knowingly violated my rights as a consumer. And due to XXXX XXXX XXXX  violation I want this account removed from TransUnion and XXXX credit report. Also there were unauthorized charges and per FCRA 605B as a consumer I can block this account from my credit file due to fraudulent charges and unauthorized transactions.

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 2025-01-24 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:
I sent certified mail to Equifax, XXXX, XXXX XXXXXXXX XXXX demand for arbitration on XX/XX/year>. I sent over my 1099 C to have them to update correct account information. The documents are attached. All accounts listed are PAID IN FULL & with corrected amounts XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Account was paid in full in Accordance with 26 CFR 1.6050P-1 by creditors policy 's so please update to paid in full and balance of XXXX as shown by such filed 1099-C. I have allowed 30 days and I will contact legal authorities and also file the necessary complaints XXXX, XXXX, and whomever. You have 10 calendar days to act on the demand for arbitration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: MI

Complaint narrative:
Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I saw that you were being sued by the CFPB for {$15.00} XXXX due to violating my rights per the FCRA! I am writing AGAIN to dispute inaccurate information on my credit report. I noticed an account that is reporting incorrect details, and I believe this is harming my credit and unfairly affecting my financial future. 
I feel like my concerns havent been taken seriously, and I need this fixed immediately. 
Please investigate this thoroughly and update my credit report to remove the inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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 dispute several inaccuracies on my credit report. Despite prior disputes, these accounts remain inaccurately reported, and I have not received proper disclosures or outcomes from your investigations. Your failure to comply with the Fair Credit Reporting Act ( FCRA ) in conducting reinvestigations has caused harm, including credit denials and financial difficulties. 

Disputed Accounts Accounts Reported by TransUnion XXXX XXXX XXXX Balance : {$46000.00} Issue : The account reflects incorrect payment history and a status of " 120+ Days Late. '' The reported last payment date of XX/XX/year>, is also inaccurate. 
XXXX XXXX XXXX Balance : {$0.00} ( Closed ) Issue : The account is reported as " Settled for Less than Full Balance '' and " Charge Off '' with incorrect payment and status details. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$740.00} Credit Limit : {$300.00} Issue : The account shows a balance exceeding the credit limit, with inaccurate payment history and a status of " 120+ Days Late. '' XXXX XXXX XXXX : {$0.00} ( Closed ) Issue : The account inaccurately reflects repossession despite being paid in full. 
XXXX Balance : {$0.00} ( Closed ) Issue : The account is reported as " Paid Charge Off, '' with errors in the reported payment history and closure details. 
Violations of the FCRA Under the FCRA, you are required to : 15 U.S.C. 1681i ( a ) ( 1 ) : Conduct a reasonable reinvestigation of disputed information within 30 days.

15 U.S.C. 1681e ( b ) : Maintain procedures to ensure maximum possible accuracy in consumer reports.Accounts to Be Investigated Accounts Reported by TransUnion XXXX dispute XXXX XXXX XXXX XXXX : {$46000.00} Issue : Reflects inaccurate payment history and a status of " 120+ Days Late. '' Incorrect reporting of the last payment date as XX/XX/year>. 
XXXX XXXX XXXX Balance : {$2800.00} ( Closed ) Issue : Marked as " Settled for Less than Full Balance '' and " Charge Off. '' The reporting of payment history and account closure details is inaccurate. 
XXXX XXXXXXXX XXXX XXXX XXXX : {$740.00} Credit Limit : {$300.00} Issue : Reflects inaccurate payment history, an unresolved " 120+ Days Late '' status, and a balance exceeding the credit limit. 
XXXX Balance : {$810.00} Issue : Reported as " Charged Off, '' with errors in payment history and account status. 
XXXX XXXX XXXX : {$810.00} Issue : Reflects " Collection/Charge Off '' status with unresolved inaccuracies in past-due amounts and payment dates. 
XXXX XXXX XXXX XXXX  Balance : {$0.00} ( Closed ) Issue : Reported inaccurately as " Lost/Stolen Card '' but no proper investigation has been conducted. 

XXXX  XXXX XXXX XXXX XXXX : {$2800.00} ( Closed )

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 2025-01-24 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: CA

Complaint narrative:
I am writing to dispute several inaccuracies on my credit report. Despite prior disputes, these accounts remain inaccurately reported, and I have not received proper disclosures or outcomes from your investigations. Your failure to comply with the Fair Credit Reporting Act ( FCRA ) in conducting reinvestigations has caused harm, including credit denials and financial difficulties. 

Disputed Accounts Accounts Reported by XXXX XXXX XXXX XXXX Balance : {$46000.00} Issue : The account reflects incorrect payment history and a status of " 120+ Days Late. '' The reported last payment date of XX/XX/year>, is also inaccurate. 
XXXX XXXX XXXX XXXX : {$0.00} ( Closed ) Issue : The account is reported as " Settled for Less than Full Balance '' and " Charge Off '' with incorrect payment and status details. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$740.00} Credit Limit : {$300.00} Issue : The account shows a balance exceeding the credit limit, with inaccurate payment history and a status of " 120+ Days Late. '' XXXX XXXX XXXX : {$0.00} ( Closed ) Issue : The account inaccurately reflects repossession despite being paid in full. 
XXXX Balance : {$0.00} ( Closed ) Issue : The account is reported as " Paid Charge Off, '' with errors in the reported payment history and closure details. 
Violations of the FCRA Under the FCRA, you are required to : 15 U.S.C. 1681i ( a ) ( 1 ) : Conduct a reasonable reinvestigation of disputed information within 30 days.

15 U.S.C. 1681e ( b ) : Maintain procedures to ensure maximum possible accuracy in consumer reports.Accounts to Be Investigated Accounts Reported by XXXX Equifax dispute XXXX XXXX XXXX XXXX : {$46000.00} Issue : Reflects inaccurate payment history and a status of " 120+ Days Late. '' Incorrect reporting of the last payment date as XX/XX/year>. 
XXXX XXXX XXXX XXXX : {$2800.00} ( Closed ) Issue : Marked as " Settled for Less than Full Balance '' and " Charge Off. '' The reporting of payment history and account closure details is inaccurate. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$740.00} Credit Limit : {$300.00} Issue : Reflects inaccurate payment history, an unresolved " 120+ Days Late '' status, and a balance exceeding the credit limit. 
XXXX XXXX : {$810.00} Issue : Reported as " Charged Off, '' with errors in payment history and account status. 
XXXX XXXX XXXX : {$810.00} Issue : Reflects " Collection/Charge Off '' status with unresolved inaccuracies in past-due amounts and payment dates. 
XXXX XXXX XXXX XXXX  Balance : {$0.00} ( Closed ) Issue : Reported inaccurately as " Lost/Stolen Card '' but no proper investigation has been conducted. 

XXXX  XXXX XXXX XXXX Balance : {$2800.00} ( Closed )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
Im disputing this amount because the balance was paid off for this vehicle another company brought the vehicle for the amount of {$13000.00} and the credit agency is stating i owe an balance of {$14000.00} when the account was written off for {$13000.00} because another company brought the vehicle I dispute this in XX/XX/year> and still hasn't gotten an response from the credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: VA

Complaint narrative:
am writing to dispute the following information that your company supplied to XXXX, Transunion and Transunion ]. I have circled the items I dispute on the attached copy of my credit r

eport ( s ). This item [ for instance : retailer account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, and XXXX is inaccurate [ or incomplete ] because [ describe in detail what is inaccurate or incomplete and why ] I am requesting that XXXX, Transunion and XXXX have the item removed or request another specific change to correct the information. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete [ or correct ] the disputed item ( s ) as soon as possible. 
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 2025-01-24 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: VA

Complaint narrative:
am writing to dispute the following information that your company supplied to XXXX, XXXX and XXXX ]. I have circled the items I dispute on the attached copy of my credit report ( s ). 
This item [ for instance : retailer account XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX is inaccurate [ or incomplete ] because [ describe in detail what is inaccurate or incomplete and why ] I am requesting that XXXX, XXXX and Equifax have the item removed or request another specific change to correct the information. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete [ or correct ] the disputed item ( s ) as soon as possible. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief