vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-01-13 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: OH

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-01-13 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
I submitted all of my information through Lexington Law and they were handling my claims for credit improvement and debt relief. Anything they asked for, I supplied but no action was ever taken and no one could tell me why.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
To whom it may concern : I received a copy of my credit report and found the following items to be errors. 
The following addresses are reporting incorrectly & must be removed immediately : XXXX XXXX XXXX XXXX XXXX, TX XXXX The following aliases are reporting incorrectly & need to be removed immediately : XXXX XXXX By the provisions of the Fair Credit Reporting Act, please have these items be removed from my report. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: NJ

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

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 2025-01-13 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:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately 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 2025-01-13 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Unauthorizing pull of my credit report that lead to hard inquiries.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
A FTC report and POLICE REPORT were filed in XXXX. 
This report outlined information from XXXX that i did not authorized and was not aware of. Since the month of XXXX the account was not properly closed and removed from my credit report. All my paperwork explained how this was a part of Identity Theft and need to be addressed and removed as to NOT CAUSE ANY MORE HARM TO ME. 
In XXXX i reached out to XXXX  XXXX and was not helped with information of ownership. Since contacting XXXX there has been two additional charges added to my credit. The card is marked closed on my report however is showing late payments and an increase of credit usage. On XX/XX/XXXX I experienced a XXXX point decrease in my score, this is VERY HARMFUL!! PLEASE PLEASE HAVE THIS REMOVED COMPLETELY. 

In total I have lost XXXX points collectively from all three bureaus combine within the course of the past 68 days. I need this taken care of TODAY. I have followed all guidelines and procedures. I AM A VICTIM OF IDENTITY THEFT by a data breach. THIS NEEDS TO BE FIXED, PLEASE.

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 2025-01-13 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: IL

Complaint narrative:
A FTC report and POLICE REPORT were filed in XXXX. 
This report outlined information from XXXX that i did not authorized and was not aware of. Since the month of XXXX the account was not properly closed and removed from my credit report. All my paperwork explained how this was a part of Identity Theft and need to be addressed and removed as to NOT CAUSE ANY MORE HARM TO ME. 
In XXXX i reached out to XXXX  XXXX and was not helped with information of ownership. Since contacting XXXX there has been two additional charges added to my credit. The card is marked closed on my report however is showing late payments and an increase of credit usage. On XX/XX/XXXX I experienced a XXXX point decrease in my score, this is VERY HARMFUL!! PLEASE PLEASE HAVE THIS REMOVED COMPLETELY. 

In total I have lost XXXX points collectively from all three bureaus combine within the course of the past 68 days. I need this taken care of TODAY. I have followed all guidelines and procedures. I AM A VICTIM OF IDENTITY THEFT by a data breach. THIS NEEDS TO BE FIXED, PLEASE.

Company response to consumer: Closed with non-monetary relief
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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
A FTC report and POLICE REPORT were filed in XXXX. 
This report outlined information from XXXX that i did not authorized and was not aware of. Since the month of XXXX the account was not properly closed and removed from my credit report. All my paperwork explained how this was a part of Identity Theft and need to be addressed and removed as to NOT CAUSE ANY MORE HARM TO ME. 
In XXXX i reached out to XXXX  XXXX and was not helped with information of ownership. Since contacting XXXX there has been two additional charges added to my credit. The card is marked closed on my report however is showing late payments and an increase of credit usage. On XX/XX/XXXX I experienced a XXXX point decrease in my score, this is VERY HARMFUL!! PLEASE PLEASE HAVE THIS REMOVED COMPLETELY. 

In total I have lost XXXX points collectively from all three bureaus combine within the course of the past 68 days. I need this taken care of TODAY. I have followed all guidelines and procedures. I AM A VICTIM OF IDENTITY THEFT by a data breach. THIS NEEDS TO BE FIXED, PLEASE.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Companies is still reporting old information that I have told a representative and also sent in letters for it to be removed and cleared from my report. Old phones numbers, a name that is not mine, listed old jobs, to collections and charge off that was paid to take off etc.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Companies is still reporting old information that I have told a representative and also sent in letters for it to be removed and cleared from my report. Old phones numbers, a name that is not mine, listed old jobs, to collections and charge off that was paid to take off etc.

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 2025-01-13 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: FL

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I dispute a transaction on my credit card after attempting to cancel a service that I paid for with my credit card. I presented Navy Federal Credit Union with all documentation to include my written request to cancel, a copy of my contract, my attempts to resolve the issue through the XXXX  as well as reports from other consumers via the XXXX  who were not able to resolve the issue with the company due to their fraudulent practices. Navy Federal failed to notify me of the final decision regarding the dispute before they posted the charge back to my account. When I called to find out why they decided to repost the charge, I was told that I didnt cancel my service per the terms of the contract - specifically that I didnt cancel with in the first 30 days and I did not provide a written request to cancel to the merchant. I clearly had the right to cancel after the first 30 days and I would be entitled to a pro-rata refund, which is in the contract terms. I had also provided evidence of the email that I sent to the merchant, XXXX XXXX XXXX XXXX that details my full request for return of premiums minus what I owed for XXXX, XXXX, and XXXX and minus the {$75.00} cancellation fee. It was clear that all of the evidence that I provided for the dispute was ignored and the merchants representative was allowed to make false statements about the situation, despite having the evidence in hand. I have attempted to appeal the dispute for these reasons and have been denied the opportunity to have this dispute reviewed and resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
I received multiple phone calls and voicemails from Harris & Harris at XXXX in XX/XX/XXXX. I called their direct line XXXX on XX/XX/XXXX to request written communication as is my right. I was transferred and the call was disconnected. Then I was placed on hold ( 15th caller in queue ) for 10+ minutes. At 10 minutes, I was still the 11th caller in queue and hung up. I do not owe any debt.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Westlake Services, LLC
State: VA

Complaint narrative:
Westlake financial was paid in full by my car insurance company when my vehicle was totaled. They however reported a false balance to XXXX which was constantly disputed. When disputing the account Experian in a matter of less than two days sent an email stating the completion of the investigation. XXXX could not have properly investigated this account

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX : XXXX SSN : XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605b ( 15 U.S.C Section 1681c-2 ) that you, the reporting agency, block information appearing on my consumer credit report that is identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of XXXX XXXX Acct # XXXX with a balance of {$12000.00} XXXX XXXX Acct # XXXX with a balance of {$5600.00} XXXX XXXXXXXX XXXX XXXX Acct # XXXX with a balance of {$11000.00} XXXX XXXX  Acct # XXXX with a balance of {$730.00} XXXX XXXX XXXX Acct # XXXX with a balance of {$590.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are 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 non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
While exchanging money I inadvertently left XXXX dollars on the counter thinking it belonged to the bank only to find out I was XXXX XXXX dollars short when I went home. I filed a claim with the bank only to be told I had to get a subpoena to look into their security camera and to validate my claim. Their refusing to refund my lost money. Their dishonest teller and bank manager aren't doing anything to right the wrong of my lost money.

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 2025-01-13 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 writing to formally dispute several fraudulent accounts reported under my credit profile. I am submitting this request in accordance with the Fair Credit Reporting Act ( FCRA ) and would like these accounts removed promptly. As a survivor of human trafficking, my identity and personal information were compromised, leading to the unauthorized opening and reporting of the following accounts XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX US DEPT ED - Account Number : XXXX These accounts were opened or reported without my knowledge or consent, violating my rights under the FCRA . Specifically : 15 U.S.C. 1681 Section 602 ( a ) This ensures my right to privacy and accurate reporting.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) Consumer reporting agencies can not furnish accounts without my explicit consent.

To support my dispute, I have attached the following documents : A personal statement detailing my trafficking situation. Additional records, where applicable, to verify my identity and substantiate my claim. I request your immediate review and removal of these accounts from my credit profile. Please confirm receipt of this dispute and inform me of any additional steps or documentation required. Thank you for your prompt attention to this matt
er.

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 2025-01-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I reached out to rent debt and asked for verification letter to verify I debt that should have never been owed, the apartment that I lived in should provide a detailed description of charges, nothing was ever provided. I have rights under 15 usc 1692c [ c ] and 15 usc 1681b and that I will need a detailed deb validation to see how I will need to go about taking legal action against this illegal report.

Company response to consumer: Closed with explanation