vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I, XXXX XXXX XXXX, hereby submit this personal statement as part of the inaccurate reinserted account on my Transunion credit report. The account in question is XXXX with Transunion. I originally disputed the accuracy of this account with Transunion and requested that it be removed. After completing my dispute process, I received confirmation from Transunion that the account had been removed from my credit report. However, I later found that this account was reinserted onto my credit report. This reinsertion occurred without the proper 5-day notice, which I understand is required under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ). According to the FCRA, if a disputed item is reinserted into a consumers credit file after being removed, the credit bureau must notify the consumer within 5 days of such reinsertion. To date, I have not received any notice from XXXX regarding this reinsertion, and I consider this to be a violation of my rights under the FCRA. This reinsertion has caused undue harm to my credit report and my financial standing, as it was removed in the first place due to its inaccuracy. I request that this matter be investigated and that the account be removed from my Transunion credit report as it was reinserted unlawfully and without proper notification. If this issue is not resolved promptly, I understand I have the right to pursue further legal action and escalate my complaint to other agencies.

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 2025-01-25 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: MA

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXXXXXX XXXX XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX  $ XXXX -DATE OPENED XX/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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2025-01-25 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: TX

Complaint narrative:
I, XXXX XXXX XXXX, hereby submit this personal statement as part of the inaccurate reinserted account on my Experian credit report. 

The account in question is XXXX XXXX with Experian. I originally disputed the accuracy of this account with Experian and requested that it be removed.. After completing my dispute process, I received confirmation from Experian that the account had been removed from my credit report. 

However, I later found that this account was reinserted onto my credit report. This reinsertion occurred without the proper XXXX notice, which I understand is required under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ). According to the FCRA, if a disputed item is reinserted into a consumers credit file after being removed, the credit bureau must notify the consumer within 5 days of such reinsertion. 

To date, I have not received any notice from Experian regarding this reinsertion, and I consider this to be a violation of my rights under the FCRA. This reinsertion has caused undue harm to my credit report and my financial standing, as it was removed in the first place due to its inaccuracy. 

I request that this matter be investigated and that the account be removed from my Experian credit report as it was reinserted unlawfully and without proper notification. If this issue is not resolved promptly, I understand I have the right to pursue further legal action and escalate my complaint to other agencies

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Sir or Madam, I am writing to file a complaint against Experian concerning the removal of a fraud alert from my credit report. Despite following the appropriate procedures, I have been unable to have this alert removed. Below are the details of my situation : Background : Date Fraud Alert Placed : XX/XX/year> Statement on Report : " ID FRAUD VICTIM ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING 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 2025-01-25 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: TX

Complaint narrative:
My credit was exposed by the data based and been used to cause inquiries and other things on my credit I submitted an ftc report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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 filed a dispute with Experian and XXXX for account # beginning XXXX XXXX XXXX XXXX closed ), and account # beginning XXXX XXXX XXXX XXXX, several times Per 18 USC 1028, 15 USC 6802, and CFPB protections recent lawsuit against the XXXX bureaus. Stating i believe my information has been falsely retained and my previous disputes were mishandled. Both Experian and XXXX denied to follow up with the investigation. In light of the recent lawsuit, which alleges that the companies accepted unreliable information and failed to notify consumer dispute reports. This aligns well with my situation. Experian has not attempted to remove, nor correct any information regarding these accounts. Im requesting that this derogatory remark be removed and corrected immediately as it is affecting my chances of renting a new home and refinancing my vehicle under false pretenses. Both Experian and XXXX violated my rights as a consumer, as well as federal laws.

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 2025-01-25 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 2025-01-25 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX RE : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within XXXX ( XXXX ) business days from the date of receipt of this letter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by XXXX BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: NY

Complaint narrative:
I am writing to formally request the removal of a charge-off from my credit report related to account name XXXX XXXX XXXX and Account number XXXX. This request is made pursuant to 15 U.S. Code 1635 ( Right of Rescission ), 15 U.S. Code 1692a ( Fair Debt Collection Practices Act ), as well as my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S. Code 1692 ). 

Upon reviewing my credit report, I have noticed that your institution has reported a charge-off. Under federal law, I am exercising my right to dispute this negative item and request the following : Verification of the Charge-Off Status Provide detailed documentation proving that this debt was lawfully charged off and that all procedures adhered to the applicable laws.

Proof of Ownership and Authority to Report Please provide the original creditor agreement and any documentation showing that your institution has the continued legal authority to report this debt to the credit bureaus. 
Right to Rescind If this debt qualifies under 15 U.S. Code 1635, I am requesting to exercise my right of rescission and have this charge-off removed from my records.

Correction of Inaccurate or Unverifiable Information If you are unable to validate the charge-off in compliance with 15 U.S. Code 1692a, 15 U.S. Code 1681s-2, and the FDCPA, then I request the immediate deletion of this charge-off from all three major credit bureaus ( Experian, XXXX, and XXXX ). 
Under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681i ), if the information can not be verified, it must be deleted from my credit report. If you are unable to provide the necessary documentation within 30 days, I will consider this charge-off inaccurate, misleading, and unverifiable, and I will pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau XXXX CFPB ), Federal Trade Commission XXXX FTC ), and my states Attorney General. 

Please confirm in writing that you will comply with this request and notify the credit bureaus to remove this charge-off. I expect a response within 30 days from the date of this letter in accordance with the FCRA and FDCPA.

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 2025-01-25 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: FL

Complaint narrative:
XXXX 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 XXXX, 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 XXXX 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 XXXX '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 2025-01-25 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: FL

Complaint narrative:
XXXX 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 XXXX, 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 XXXX 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 XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: FL

Complaint narrative:
I am not liable for this debt {$1600.00} with LVNV FUNDING LLC Account Number : XXXX I do not have a contract with LVNV FUNDING LLC XXXX they did not provide me with the original contract as requested with my wet signature and ID verification. This company is reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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 am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions XXXX consistently responds within XXXX hours stating that the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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 am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions XXXX consistently responds within XXXX hours stating that the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: SC

Complaint narrative:
To Whom It May Concern, it appears that account : XXXX Account # on my credit report has been charged off, but I noticed that you have not sent me XXXX. I requested a my copy of the XXXX for cancellation of debt for this item due to my financial hardship. Ive gone through a serious hardship and this will help me with my credit in the future. 
In additiona, upon careful review, I noticed several strange items on my credit report that include, but are not limited to, the last date of payment, the account number, the account balance, dates restarted and other unfamiliar items on my 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 2025-01-25 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:
please check the information concerning the XXXX data breach below in the attachments

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 2025-01-25 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:
please check the information concerning the XXXX data breach below in the attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXXXXXX 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 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: NJ

Complaint narrative:
I am submitting this complaint independently, without any involvement from a third party. Attached are letters providing detailed information about the items reported on my credit report. I have never had a contractual relationship with ONLINE IN SV. I believe the original creditor, XXXX, sold my account without proper notification, which constitutes a clear violation of Section 611 of the Fair Credit Reporting Act ( FCRA ) regarding the reporting of inaccurate information.

Company response to consumer: Closed with explanation