vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 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:
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. 

1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( 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.

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

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 2025-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I XXXX XXXX was married approximately XXXX ago to XXXX XXXX XXXX who is a XXXX XXXX XXXX XXXX I have been divorced from him for over XXXX, yet he is still causing me a great deal of personal as well as financial hardship. Accordingly, I am submitting a number of demands for permanent deletions from my credit reports of loans that were procured against my name and social security number that were applied for by XXXX XXXX. I am remarried and have been for XXXX XXXX XXXX XXXX I hereby demand that my name and personal information to be purged by each financial enterprise, and the deletion of any account information currently showing on my XXXX, XXXX and XXXX XXXX respectively. XXXX XXXX LVNV ON BEHALF OF XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting this complaint to formally dispute inaccuracies in my credit report and to seek compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further supported by the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which highlights Experians failure to adequately investigate consumer disputes and its improper reinsertion of inaccurate information into consumer reports. 

The following inaccuracies in my credit report require immediate correction or removal : 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

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 2025-02-15 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:
Unauthorized use of my credit without my consent, resulting in multiple hard inquiries on 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 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Between XXXX and XXXX I was charged overdraft fees when money was available but was erroneously charged due to how the bank processed credits.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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 Experian 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 : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX BALANCED {$4000.00} CXXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX BALANCED {$4400.00} XXXX XXXX BALANCED {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX {$1900.00} This account has resulted in several 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 account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.

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 2025-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
FOUND XXXX INQUIRIES ON MY REPORT THAT I DON'T RECOGNIZE

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 2025-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
A Debt Company LVNV place wronge debt on my credit. XXXX also changed dates of accounts closed XXXX amounts owed. I'm very sure this is against the laws XXXX the consumer fair act amount other lawys. Of the United States of America. Also these where charge off accounts XXXX never received any XXXX XXXX Also I never recall in giving any authority or have I sign anything to the financial institution oXXXX XXXX XXXX the original creators Authority to sell or give any consent to a XXXX XXXX party to sell or collect or use my personal info account XXXX or any other information about me. To this company in no regards what's so ever. I want to file a report due to this matter. Will bring legal action if needed. P.s I will also file a complaint with the FTC. I will say say this should not be happening to good Americans XXXX citizens of this great nation. Attention plz advise I was also involved in several data breaches which I'm very concerned XXXX now that all my personal info is on the dark web. And other data breaches as well. Thank you so much in assisting me in this matter XXXX incident/ legal issues. Sincerely XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: GA

Complaint narrative:
I reviewed my Credit report back in XXXX of 2024 & I discovered that i had a few accounts, names, addresses, and phone numbers that did not belong to me & i was not familiar with. I reached out to the original creditor " XXXX XXXX XXXX  '' and they directed me to the company trying to collect the debt which is TRUE ACCORD CORPORATION. The also informed me that they have no records of me. I have tried reaching out to them multiple times with none being successful. I have disputed the account multiple times only for it to come back as verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: DE

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
For years dating back to XXXX, my personal name, date of birth, addresses, phone numbers, and email have been leaked in multiple data breaches. 
Some companies include Experian, Equifax, XXXX XXXX XXXX, XXXXXXXX XXXX, and XXXX. Someone has continued to use my information to try to open up accounts in my name. This unauthorized account and inquiries shall be deleted from my credit file indefinitely. 

Account : XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX 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/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 2025-02-15 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: CA

Complaint narrative:
For years dating back to XXXX, my personal name, date of birth, addresses, phone numbers, and email have been leaked in multiple data breaches. 
Some companies include Experian, Equifax, XXXX XXXX XXXX, XXXXXXXX XXXX, and XXXX. Someone has continued to use my information to try to open up accounts in my name. This unauthorized account and inquiries shall be deleted from my credit file indefinitely. 

Account : XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX 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/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 2025-02-15 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: Credit Karma, LLC
State: FL

Complaint narrative:
I had seen that there was a couple charges by the same company on my account so I disputed a couple of them once I did that it cut my physical card off and said they'd mail me one which I may add I did that on XX/XX/XXXX My card isn't scheduled to arrive until XX/XX/XXXX that's ridiculous but I didn't mind because I knew I had a virtual card and my bank link to it so I could transfer money like that come to find out they blocked locked and disabled my virtual card and apparently my account as well because I have funds but I can't link it to a bank when I link it through the my other bank it says it's successfully has been linked I get a email even saying that my banking account was linked to credit karma but when you log onto credit karma it says nope we came up came into a snag contact customer service there ain't nothing on my account no banks linked even though it says it's linked through my email I received from my bank bank and I've called called cold cold cold chatted chatted chatted chatted and they're telling me to contact XXXX no it's credit karma 's fault credit karma is doing all this making charges not letting me access my money they're not supposed to be allowed by law to keep my money hostage especially if there's not nothing holding it but nope I finally called over the phone let 's see it was XXXX and XXXX hours total I was on phone trying to get a hold of somebody got a hold of somebody got hung up on transferred all kinds of stuff but when I called over there automated phone when I put in my info to pull my account up it says my account 's closed but when I chat or talk to a representative they promise me it's not but I can't use it at all they won't grant me access to my account and it's wrong it's so wrong and I need to feed my kids and find somewhere to now live with XXXX smaller children plus XXXXXXXX XXXX XXXX XXXX XXXX cuz I couldn't access my money to pay weekly rent so homeless straving n still cnt use my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
I XXXX XXXX was married approximately XXXX ago to XXXX XXXX XXXX who is a career Navy chief XXXX I have been divorced from him for over XXXX, yet he is still causing me a great deal of personal as well as financial hardship. Accordingly, I am submitting a number of demands for permanent deletions from my credit reports of loans that were procured against my name and social security number that were applied for by XXXX XXXX. I am remarried and have been for XXXX-years XXXX XXXX XXXX I hereby demand that my name and personal information to be purged by each financial enterprise, and the deletion of any account information currently showing on my XXXX, XXXX and XXXX XXXX respectively. 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 2025-02-15 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: MI

Complaint narrative:
bject : Request for Removal of All Items Due to CFPB Lawsuit and Data Breach To Whom It May Concern, I am writing to formally request the removal of all negative and inaccurate items from my Experian credit report due to the ongoing lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) and Experians recent data breaches. Given the serious allegations regarding improper credit reporting practices and the exposure of consumers personal data, I believe my credit file has been compromised and may contain erroneous or unverifiable information.

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute any item on my credit report that can not be verified as accurate and lawfully reported. In light of the CFPB lawsuit and data breach, I demand that Experian : 1. Immediately remove all negative and disputed accounts that may have been affected by inaccurate reporting or unauthorized data exposure.

2. Conduct a thorough reinvestigation of my credit report to ensure that all listed accounts are fully compliant with federal regulations. 
3. Provide written confirmation of the actions taken regarding this request within 30 days of receipt of this letter.

Failure to comply with my request may result in further action, including filing a complaint with the CFPB and pursuing legal remedies. I expect Experian to uphold its obligations under the FCRA and ensure my credit profile is free from errors caused by negligence or data mishandling.

Please consider this letter as my formal dispute and removal request. I have enclosed a copy of my identification ( such as a drivers license or utility bill ) to verify my identity. I appreciate your prompt attention to this matter and look forward to your confirmation of REMOVAL

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 2025-02-15 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: MI

Complaint narrative:
bject : Request for Removal of All Items Due to CFPB Lawsuit and Data Breach To Whom It May Concern, I am writing to formally request the removal of all negative and inaccurate items from my Experian credit report due to the ongoing lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) and Experians recent data breaches. Given the serious allegations regarding improper credit reporting practices and the exposure of consumers personal data, I believe my credit file has been compromised and may contain erroneous or unverifiable information.

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute any item on my credit report that can not be verified as accurate and lawfully reported. In light of the CFPB lawsuit and data breach, I demand that Experian : 1. Immediately remove all negative and disputed accounts that may have been affected by inaccurate reporting or unauthorized data exposure.

2. Conduct a thorough reinvestigation of my credit report to ensure that all listed accounts are fully compliant with federal regulations. 
3. Provide written confirmation of the actions taken regarding this request within 30 days of receipt of this letter.

Failure to comply with my request may result in further action, including filing a complaint with the CFPB and pursuing legal remedies. I expect Experian to uphold its obligations under the FCRA and ensure my credit profile is free from errors caused by negligence or data mishandling.

Please consider this letter as my formal dispute and removal request. I have enclosed a copy of my identification ( such as a drivers license or utility bill ) to verify my identity. I appreciate your prompt attention to this matter and look forward to your confirmation of REMOVAL

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: AL

Complaint narrative:
I am wanting to delete these inquiries off my credit report that I didnt authorize. This is fraudulent. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: NJ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have submitted the required documents, including a letter from an advocacy group assisting me as a victim of human trafficking through debt bondage. This situation qualifies as trafficking under the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ).

I respectfully request that you block this information from my credit report within four business days, as mandated by Section 605C of the Fair Credit Reporting Act. As a victim of human trafficking through debt bondage, I urge the immediate removal of all related items and the deletion of any associated company information from TransUnion. 

Please proceed with removing the following items : 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 non-monetary relief
Consumer complaint received 2025-02-15 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: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act, as highlighted in administrative proceedings against them for similar violations. I request that Equifax complies with federal law and provides consumers with necessary proof of investigation. 
These are the accounts i mark as inaccurate : Bankruptcy XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$900.00} - Account XXXX XXXX XXXX {$1300.00} - Account number : 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