vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: NV

Complaint narrative:
XXXX XXXX Email : XXXX Date : XX/XX/XXXX Equifax Information Services LLC Fraud Department XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Fraud Dispute & Litigation Notice XXXX XXXX XXXX Account Dear Equifax Fraud Department , I am writing to formally dispute and report fraudulent activity regarding an account listed on my credit report under XXXX XXXX XXXXXXXX XXXX The details of the disputed account are as follows : Creditor Name XXXX XXXX XXXX XXXX Account Opened : XX/XX/XXXX Balance : {$240.00} Account Status : Open Remarks : Dispute resolved; customer disagrees This account is inaccurately reported, and I am requesting an immediate investigation and removal under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. My dispute is based on the following : 1. The account is inaccurately reported as " Open '' when it should not be listed as such.

2. This account was fraudulently opened or inaccurately assigned to me without my authorization. 


XXXX. XXXX XXXX XXXX has failed to provide proper validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 


XXXX. XXXX XXXX XXXX response to my dispute with the Consumer Financial Protection Bureau ( CFPB ) did not provide sufficient validation of the debt. 


XXXX. The company has already agreed to cease communication, which indicates that the debt may not be legally enforceable. 



Additionally, please be advised that this matter is currently under litigation, and continued reporting of this disputed debt may constitute a violation of my consumer rights. Any further reporting of inaccurate or fraudulent information may be grounds for legal action under the FCRA and FDCPA.

I have attached supporting documents, including my formal dispute with XXXX XXXX XXXX and their response to the CFPB complaint, for your review. In accordance with the FCRA, please conduct a reinvestigation and delete or correct this fraudulent information within 30 days. 

If Equifax continues to report this account, please provide me with a detailed explanation of the verification process used, including the name and contact information of the party who verified the account. 

Please confirm receipt of this dispute and notify me in writing of any updates regarding my request. 

Sincerely, XXXX XXXX Email : XXXX Attachments : 1. Copy of credit report entry 2. CFPB complaint and response from XXXX XXXX XXXX XXXX. Any additional supporting documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
This account was paid off. The account is stating a charge off in which the company received their money to satisfy account. This is no longer a charge off account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: NC

Complaint narrative:
This account was paid off. The account is stating a charge off in which the company received their money to satisfy account. This is no longer a charge off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service
State: NC

Complaint narrative:
This account was paid off. The account is stating a charge off in which the company received their money to satisfy account. This is no longer a charge off account.

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 2025-01-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
To whom it may concern I have had items on my credit report since 2008 and these its have been paid and they still remain on my credit report I really need someone to investigate my report I have called XXXX, XXXX, and XXXX XXXX and steel. Theyll come back the next day saying that the account stay is the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
Dear TransUnion Dispute Department, I am submitting this letter to dispute the following accounts, which have been inaccurately reported under my credit profile and do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhese accounts were opened or reported without my authorization. This fraudulent activity has caused harm to my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), I request an investigation and the removal of these accounts from my credit report. 

Thank you for your time and prompt resolution of this matter. Please reach out to me directly if further documentation or clarification is needed.

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 2025-01-30 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: NJ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal infomation made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am a former employee of XXXX. I recently underwent a background check with XXXX XXXX  where they obtained my employment data with XXXX from Experian XXXX  on XX/XX/year>. I want to see a copy of the XXXX Report the Experian XXXX holds on me, but Experian is making it impossible to do so. The only option they offer to view the Employment Report is to make an account on their website, but registering on their website requires a " Employer Access Code. '' My former employer, XXXX, will not provide me the code and claims that they do not report any data to Exerian XXXX. Therefore, even though I know that Experien XXXX is furnishing my employment data to third parties such as background check companies, Experian is making it functionally impossible for me to view my data or freeze my data. 


Additionally, I want to place a freeze on my Employment Report to prevent future entities from accessing my data report. At this time, Experian is not offering me any option to place a freeze on my data. 


I am requesting that Experian provide me a copy of my Employment Report and also to immediately place a freeze on my Employment Report so that no other parties can accesss it.

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 2025-01-30 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: OH

Complaint narrative:
This letter serves as a follow-up to my ongoing dispute regarding the inaccurate and unverified negative items on my credit report. Despite my repeated requests for proper verification and removal, you have failed to provide any substantiated evidence confirming the legitimacy of these accounts.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX SSN : XXXX / DOB : XX/XX/XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Method of Verification FCRA Compliance Dear Experian, I recently disputed an account on my credit report, specifically the XXXX XXXX account ( partial account number : XXXX ). I received a response stating that the item remains on my report because the company verified that the information is accurate. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ), I am formally requesting that Experian provide me with a detailed explanation of the method used to verify the accuracy of this account. Please provide the name, contact information, and any documentation you used to verify this accounts validity. 

If you are unable to provide this verification, I request that the account be immediately removed from my credit report, as required by law. Please send your response in writing to my address above within the legally mandated timeframe. 

Sincerely, 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 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My debit card was stolen. Charges were made against my account, which I did not authorize. I alerted the bank as soon as I noticed the charges. There was also a charge which I did make, but didnt receive the service. The bank initially credited me for the charges, but are now reversing everything. The unauthorized charges which were completed, I wasnt in the city/state to even make those charges. I supplied documentation and proof of my flight which shows the dates the charges were physically completed in XXXX XXXX XXXX, I was physically in XXXX XXXX, LA. The bank refuses to fix my account. Yet, has my account in XXXX, which, as I stated, I was In XXXX XXXX when they occurred. Unfortunately, my card was stolen by a guest I had in my home during the holidays. I was further ridiculed on having my debit card pin around my debit card, but thats the only way Id know what it is. I cant remember numbers anymore in my head. I have to write them down. It isnt fair to punish my because I cant remember. Id known the person for 10 years. Never thought hed take advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: NJ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal infomation made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-01-30 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: VT

Complaint narrative:
I am writing to issue a complaint against XXXX XXXX for an erroneous credit score report. I recently applied for an additional credit card through XXXX XXXX and was denied due to delinquent payment report from XXXX XXXX. I do not own a XXXX XXXX. 

I requested a credit history from XXXX and TransUnion only to find out that my ex-wife had opened a joint account in XXXX. I started divorce proceedings in XXXX and was divorced in XXXX. When she relocated to Florida she took the card with her and changed the address. I had no knowledge she was using this card or that my name was attached to the account. She continued charging on the card and making payments until her death in XX/XX/XXXX, leaving a balance due of {$7.00}. I have never received any correspondence regarding this account though they claim I am the primary. Had I known this card existed, I would have cancelled it. 

I have spent many hours on the phone with XXXX relaying this information, but their standard statement is, you are the primary. They have no record of who actually took out the card back in XXXX. If they cared to check ( or could ) they would not find any charges by me either. I have since payed the balance due and cancelled the card. Unfortunately that is not enough to change the status from XXXX as a delinquent card holder. Although I have explained all this to TransUnion, this delinquency will stay on my record until XXXX, unless XXXX changes it. I have added a clause to my record detailing this situation in hopes that it will help nullify the damage. I will be adding this same clause to the other credit bureaus as well. This account was NOT my responsibility in any way, shape, or form. They are totally unreasonable. 

I can provide divorce papers, my ex-wifes death certificate, or any other documentation you require to help rectify this situation. Until now I have had a flawless credit history with no delinquency on any mortgage, car loan, credit card, or any other financial responsibility, ever! This will affect my credit status in every facet of my life ( and my wifes ) including relocating, credit applications ( already occurred ) car/house insurance ( due in XXXX ) and many others. 

Im hoping you can help.

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 2025-01-30 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: NE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA that all 3 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 the following accounts and inquiries. 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 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 fraudulent items. I am including the Identity theft report as well as proof. I was also impacted by the 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 explanation
Consumer complaint received 2025-01-30 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: MD

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed some hard inquiries that I do not recognize or were made in error. According to 15 USC 1681B a credit inquiry may only be made under certain circumstances and for permissible purposes. Additionally, under 15 USC 1681i, I have the right to dispute inaccurate information on my credit report. The following hard inquiries were not authorized by be and I request that they be removed from my credit report immediately. 
Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) What Happened? 
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( FTC Complaint XXXX ) filed on ( FTC Complaint XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
CREDIT COLLECTION SERVICE XXXX, MA XXXX Subject : Formal Dispute of Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the collections charge-off associated with my account, originally with XXXX XXXX, under account number XXXX, and currently reported by your company for the amount of {$470.00}. 

Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ), I am requesting a full validation of this debt, including a detailed breakdown of charges, proof of my agreement to this debt, and verification that your company is authorized to collect on this account. Additionally, I invoke my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) to request the immediate removal of this item if it can not be properly validated. 

Please provide me with the following : - A copy of the original creditor agreement with my signature - A detailed account statement showing the legitimacy of the debt - Any records of payments or adjustments applied to this account If you are unable to provide sufficient documentation, I request that this account be removed from my credit report immediately. Any continued reporting of an unverified debt may constitute a violation of federal consumer protection laws. 

Please consider this letter a formal notice under my consumer rights. I request a written response within 30 days of receipt of this letter, as required by law. If no adequate response is received, I will not hesitate to escalate this matter to the appropriate regulatory agencies, including the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your immediate attention to this matter. I look forward to your prompt response.

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 2025-01-30 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: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation