vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian Dispute Department, I am writing to formally dispute inaccurate information that appears on my credit report. The inaccuracies pertain to the payment history for an account listed under XXXX XXXX . According to the report, the account was opened in XXXX of XXXX ; however, the payment history does not reflect this, and there are additional discrepancies regarding other details of the account. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information in my credit report. Specifically : FCRA 611 ( 15 U.S.C. 1681i ) : Requires credit reporting agencies to investigate disputes regarding the accuracy of information in a consumer 's file. 
FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Mandates that credit reporting agencies maintain maximum possible accuracy in consumer credit files. 
Please review and address the following inaccuracies : Account Opening Date : The account was opened in XXXX, XXXX but this is not reflected in the payment history. 
Date of Last Payment : The reported date of the last payment is incorrect. 
Last Payment Made : The payment amount recorded for the last payment is inaccurate. 
Last Payment Amount Received : The last payment amount received is incorrect and does not align with my account records. 
Date of Charge-Off : The charge-off date listed is incorrect and does not align with the account records. 
Amount Paid : The amount paid on the account is not accurately reported. 
Amount Past Due : The past-due amount is inaccurate. 
Account Rating : The rating assigned to this account is incorrect and requires correction. 
I have enclosed supporting documentation, including account statements, correspondence with the creditor, and other relevant evidence, to validate my claims. As mandated under the FCRA, you are obligated to investigate and correct any errors on my report within 30 days. 
Please conduct an investigation and provide me with an updated copy of my credit report reflecting the corrections. If additional information is needed, feel free to contact me via the information provided above. 
Thank you for your prompt attention to this matter. I look forward to your confirmation that these inaccuracies have been resolved. 
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 explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has finalized a rule that prohibits the inclusion of medical bills on credit reports used by lenders and bars lenders from using medical information in their lending decisions.

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 2025-01-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been trying to dispute fraudulent accounts on my report but they somehow keep getting verified. I know a proper investigation has not been done because I ask for debt validation and I was told they don't have to provide that information they go with whatever the furnisher says. Or they send me these stall attic letters saying I didn't do something. I call the furnishers and they say they don't have any information I have to contact the credit bureaus. XXXX another credit bureau deleted the information which I sent them through the CFPB and they say they don't have it. XXXX XXXX sent me a letter saying that the account is fraud and they were sending it to the credit bureaus but they said they can't honor that. The reason they are being sued is exactly what they are doing to me. I was also told by one other reps to stop send my documents to the CFPB because that wasn't going to do anything but prolong my investigation. If the calls are recored this can be heard. 
SEE ATTATCHMENTS

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 2025-01-12 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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:
To Whom It May Concern, I am writing to formally address the failure of [ Company Name ( s ) ] to comply with federal requirements regarding my dispute submitted via the Consumer Financial Protection Bureau ( CFPB ). Specifically, the companies failed to provide a resolution within the 30-day period required by law under the Fair Credit Reporting Act ( FCRA ). Additionally, I have not received the title to my vehicle or the requested 1099-C documentation for the charged-off account in question. 

Disputed Account Details Account Name : XXXXXXXX XXXX XXXX Date Listed : XX/XX/year> Under 15 USC 1681s-2, creditors must ensure accurate and verifiable reporting of information. The reporting of this account with an inaccurate balance is a direct violation of this law, particularly if a 1099-C form was issued. Per XXXX XXXX XXXX XXXXXXXX XXXX, the issuance of a 1099-C form constitutes an identifiable event of debt cancellation under IRS guidelines , specifically Event Code 7, which defines debt discharge due to the creditor ceasing collection activities and canceling the debt. 

My Requests Provide the 1099-C Form : If issued, I request a copy of the form to confirm the identifiable event of debt cancellation. 
Verify the Balance : Submit documentation proving the accuracy and collectibility of the reported balance. 

Delete the Account : If the debt has been discharged or can not be verified, remove this negative information from my credit report immediately. 


Failure to Respond The companies have failed to meet the 30-day investigation period mandated under 15 USC 1681i ( a ) ( 1 ). This failure constitutes non-compliance with federal law. Furthermore, I have not received any communication regarding the resolution of this matter, nor have I received the requested documents or my vehicle title. 

Next Steps If these issues are not addressed immediately, I will escalate this matter further by filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

I expect written confirmation of the resolution of this matter within 15 days. 

Thank you for your immediate attention to this urgent 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 2025-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I am writing to file a formal complaint against Navy Federal Credit Union for inaccurate credit reporting and improper handling of my closed credit card account, in violation of the Fair Credit Reporting Act ( FCRA ). 

In XX/XX/year>, Navy Federal closed my credit card account and charged off the debt, yet they have reported 13 separate charge-offs, which is inaccurate. There was only one charge-off for this account, and the repeated, incorrect reporting has caused severe and unjust harm to my credit profile. 

Additionally, Navy Federal has failed to provide me with a 1099-C form, which is required when a debt is charged off and written off. Despite my repeated communications with them requesting this form, they have not complied. Furthermore, I believe that Navy Federal may have improperly sold my credit profile without my consent, further compounding the inaccuracies surrounding this account. 

This mishandling of my account and inaccurate reporting is a direct violation of my rights under the FCRA. These errors have had a significant negative impact on my credit score and financial reputation. I request that CFPB investigate this matter and require Navy Federal to : Correct the inaccurate charge-off reporting to reflect only one charge-off. 
Provide the 1099-C form for the charged-off debt. 
Explain the handling of my credit profile and ensure compliance with all applicable regulations. 
Please find attached all relevant documents, including my communications with Navy Federal regarding this issue. 

Thank you for your time and assistance in resolving this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a 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 of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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:
My information was exposed in a data breach therefore nothing on my credit report is accurate. 
Where do I begin. I mean if I dont recognize anything on there, how am I supposed to deal with that? If its either not mine or isnt even real.

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 2025-01-12 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:
My information was exposed in a data breach therefore nothing on my credit report is accurate. 
Where do I begin. I mean if I dont recognize anything on there, how am I supposed to deal with that? If its either not mine or isnt even real.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: TN

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. This is XXXX XXXX not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing regarding the multiple hard credit inquiries that appear on my credit report. Upon reviewing my report, I noticed [ XXXX ] inquiries on XXXX [ XXXX ] on TransUnion and [ XXXX ] on XXXX attributed across several days. I was unaware that this many inquiries would be conducted, and I believe this violates my expectations of the financing process.

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 2025-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I was in process to move out and I lost some documents form the city I was since 3yrs ago and I never open any account from them suddenly I keep receiving mail from my new address and I do not have any knowledge from the account.i lost my XXXX  XXXX  social all of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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:
To Whom It May Concern, I am writing to formally address the failure of [ Company Name ( s ) ] to comply with federal requirements regarding my dispute submitted via the Consumer Financial Protection Bureau ( CFPB ). Specifically, the companies failed to provide a resolution within the 30-day period required by law under the Fair Credit Reporting Act ( FCRA ). Additionally, I have not received the title to my vehicle or the requested 1099-C documentation for the charged-off account in question. 

Disputed Account Details Account Name : XXXX XXXX XXXX  Date Listed : XX/XX/year> Under 15 USC 1681s-2, creditors must ensure accurate and verifiable reporting of information. The reporting of this account with an inaccurate balance is a direct violation of this law, particularly if a 1099-C form was issued. Per XXXX XXXX XXXX XXXX Bank, the issuance of a 1099-C form constitutes an identifiable event of debt cancellation under IRS guidelines XXXX specifically Event Code XXXX, which defines debt discharge due to the creditor ceasing collection activities and canceling the debt. 

My Requests Provide the 1099-C Form : If issued, I request a copy of the form to confirm the identifiable event of debt cancellation.

Verify the Balance : Submit documentation proving the accuracy and collectibility of the reported balance.

Delete the Account : If the debt has been discharged or can not be verified, remove this negative information from my credit report immediately.

Failure to Respond The companies have failed to meet the 30-day investigation period mandated under 15 USC 1681i ( a ) ( 1 ). This failure constitutes non-compliance with federal law. Furthermore, I have not received any communication regarding the resolution of this matter, nor have I received the requested documents or my vehicle title.

Next Steps If these issues are not addressed immediately, I will escalate this matter further by filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

I expect written confirmation of the resolution of this matter within 15 days. 

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Fraudulent Hard Inquires : XXXXXXXX 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>

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 2025-01-12 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: Experian Information Solutions Inc.
State: ND

Complaint narrative:
Experian not doing investigation into dispute of credit accounts. Falsely deleting and re-adding them back onto report. With collections bills that shouldnt be on their or charge off accounts. 

Resubmitting them over and over again without any proof of ownership or any short of proper documentation.

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 2025-01-12 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:
Subject : Complaint Against XXXX for Refusal to Update Personal Information Dear Sir/Madam, I am writing to file a formal complaint against XXXX, Equifax, XXXX for their refusal to update my personal information on my credit report. On XXXX XXXX, XXXX, I submitted a personal information update letter to XXXX, Equifax, XXXX, requesting the correction of my address and other personal details. This letter was accompanied by the necessary documentation, including a copy of my driver 's license, Social Security card, and a utility bill to verify my address. The document was also notarized. 
However, on XX/XX/XXXX, I received a response from XXXX, Equifax, XXXX stating that my request could not be processed because I did not provide a government ID. This statement is incorrect and misleading, as I had included all required documents, including a government-issued ID, in my initial submission. 
Attached to this complaint, you will find a copy of my original personal information update letter and all supporting documents that were submitted to XXXX, Equifax, XXXX. 
I believe that XXXX, Equifax, XXXX 's refusal to update my information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ). 
XXXX, Equifax, XXXX 's failure to acknowledge and properly review the provided documentation is a direct violation of my rights under the FCRA. According to the FCRA, consumers have the right to dispute inaccurate information on their credit reports and must be provided with a fair and reasonable investigation of their dispute. By ignoring the documentation I provided, XXXX has failed to uphold their obligation to conduct a fair investigation, thereby violating my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: NY

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

Company response to consumer: Closed with non-monetary relief