vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Braviant Holdings, LLC
State: IL

Complaint narrative:
Credit profile states the date opened is XXXX from XXXX XXXX for an Unsecured Loan the balance on the loan states {$3100.00}. I have filed a dispute letter that this balance is not accurate and received no response as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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 formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I sent in a dispute letter and they legally did not respond. I called and talked to a representative and they said that it was confirmed that these account were up for deletion but have not removed them.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$560.00} XXXX - XXXX - XX/XX/XXXX - {$10000.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$940.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$12000.00} XXXX - XXXX - XX/XX/XXXX - {$71.00}

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 — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit bureaus were reporting inaccurate reports of my account causing me to be denied for credit with certain companies. After reporting this to the bureaus and showing proof they still decline to change my credit report.

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: NC

Complaint narrative:
XXXX, TransUnion and XXXX has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. 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 aligned with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence that I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as XXXX inaction violates federal law and my right 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 2025-01-24 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: NC

Complaint narrative:
XXXX, XXXX and Equifax has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. 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 aligned with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence that I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as XXXX inaction violates federal law and my right as a consumer.

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: NY

Complaint narrative:
To Whom It XXXX Concern : Upon reviewing my credit report I have identified the following item ( XXXX ) that contain inaccuracies : The following personal information is incorrect : 1. This account is not mine XXXX XXXX XXXX XX/XX/XXXX {$480.00} XXXX Please remove it from my credit report 2.This account is not mine XXXX BANK XX/XX/XXXX {$8500.00} XXXX Please remove it from my credit report 3.This account is not mine XXXX XXXX XXXX  ACCT # XXXX XX/XX/XXXX {$240.00} Please remove it from my credit report 4. This account is not mine XXXX XXXX XXXX ACCT # XXXX {$1600.00} XX/XX/XXXX Please remove it from my credit report 5. This account is not mine XXXX XXXX XXXX ACCT # XXXX XX/XX/XXXX {$510.00} Please remove it 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: EQUIFAX, INC.
State: NY

Complaint narrative:
To Whom It XXXX Concern : Upon reviewing my credit report I have identified the following item ( XXXX ) that contain inaccuracies : The following personal information is incorrect : 1. This account is not mine XXXX XXXX XXXX XX/XX/XXXX {$480.00} XXXX Please remove it from my credit report 2.This account is not mine XXXX BANK XX/XX/XXXX {$8500.00} XXXX Please remove it from my credit report 3.This account is not mine XXXX XXXX XXXX  ACCT # XXXX XX/XX/XXXX {$240.00} Please remove it from my credit report 4. This account is not mine XXXX XXXX XXXX ACCT # XXXX {$1600.00} XX/XX/XXXX Please remove it from my credit report XXXX. This account is not mine XXXX XXXX XXXX ACCT # XXXX XX/XX/XXXX {$510.00} Please remove it from my credit report

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: VA

Complaint narrative:
Today XX/XX/year>, I received a notification saying that my student loan balance had gone up. Even though I'm in forebearance and shouldn't have any interest added. I'm with the service provider NelNet. I went to XXXX XXXX XXXX and the school closed before I could finish my degree

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This is a formal request, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), to update and permanently remove all inaccurate and outdated personal information from my consumer file. 
Pursuant to : 15 U.S. Code 1681b Permissible Purposes of Consumer Reports o Reporting outdated or irrelevant personal information, such as old addresses, incorrect names, or inaccurate employment data, violates the requirement that only accurate and relevant information should be reported.

15 U.S. Code 1681g ( a ) Disclosure to Consumers o As a consumer, I have the right to ensure the information being reported is both accurate and complete. Any failure to disclose accurate personal identifiers undermines the integrity of my consumer file. 
15 U.S. Code 1681e ( b ) Maximum Possible Accuracy o Your obligation to maintain reasonable procedures to ensure the maximum possible accuracy of reported information includes the accuracy of my personal information, such as my legal name, current address, date of birth, and employer.

15 U.S. Code 1681i ( c ) Statement of Dispute o If you can not verify the accuracy of the personal information in my file, you must either remove the unverifiable information or include a statement of dispute, as required by law. 
My Accurate Personal Information Is as Follows : Full Legal Name : XXXX XXXX Date of Birth : XX/XX/year> Current Employer : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX AL 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as XXXX supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX 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
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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within XXXX hours stating the 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, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the 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, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to formally dispute negative items appearing on my credit report that were added without my knowledge or authorization. According to the Fair Credit Reporting Act ( FCRA ) Section XXXX, it is unlawful for credit reporting agencies to include information on a consumers report if the consumer has not authorized or been notified of the reporting, especially in cases involving fraudulent activity. 

The following accounts/items on my credit report are inaccurate and/or reported without my consent : [ List account name, number, or identifying information for disputed items ] XXXX XXXX XXXX, IL XXXX XXXX {$530.00} XXXX {$4400.00} XXXX XXXX OH XXXX XXXX XXXX {$340.00} XXXX, XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX {$65.00} Under FCRA XXXX XXXX, I am requesting the immediate removal of these items for the following reasons : Lack of Authorization : I did not authorize the reporting of these accounts. 
Possible Fraudulent Activity : These items XXXX be the result of identity theft or errors in reporting, neither of which I was made aware of prior to their inclusion on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: 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 the 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 ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 



These are the actual accounts that are inaccurate, XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX N.A. 
XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXXXXXX

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX Balance : {$640.00} & XXXX. XXXX XXXX XXXX Balance : {$65.00}

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX Balance : {$640.00} & XXXX. XXXX, XXXX XXXX Balance : {$65.00}

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: AL

Complaint narrative:
Transunion allegedly stating they did and investigate. As you can see in the attachments they lied. They didn't do anything. This is fraud and misleading. I will be suing.

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: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
Went to a family members address in an attempt to collect a debt, I called to set up payment plan and they wouldnt accept what I could afford, they talked me into a 4 month payment plan. I never received a bill from the doctor and was unaware of the bill.

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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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 2025-01-24 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: NJ

Complaint narrative:
I am filing a complaint against equitable for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions. XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a through investigation. This practice violates the fair credit reporting act ( FCRA ), 15 u.s.c 1681i, which mandates a reasonable investigation of disputes. Furthermore, equifaxs actions may also contravene the consumer financial protection act ( CFPA ), 12 u.s.c 5536 ( a ) ( 1 ) - ( b ). As highlights in the CFPBs recent administrative proceeding ( file XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation