vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Experian Information Solutions Inc.
State: NC

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




XXXX XXXX XXXX XX/XX/XXXX {$15000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Im really frustrated that this from your company on my credit report that I never authorized is still reporting. I kindly ask of you remove 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 2025-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally file a complaint against Equifax and XXXX XXXX for their failure to address and resolve an issue involving a fraudulent debt that stems from identity theft. 

Several years ago, the original creditor conducted a thorough investigation and confirmed that the account in question was the result of identity theft. Based on their findings, they completely removed the account from my credit report. Despite this, XXXX XXXX has continuously attempted to collect on this fraudulent debt, and Equifax has allowed the account to remain on my credit report. 

I have repeatedly requested proper verification and validation of this debt from both Equifax and XXXX XXXX. However, neither has provided the appropriate documentation to substantiate the debt or demonstrate its validity. In addition, I have supplied both parties with evidence of identity theft. Despite this, neither Equifax nor XXXX XXXX has adequately investigated the matter or taken steps to remove the account. 

This ongoing situation is unjust and has caused significant harm to my financial standing and well-being. I believe both parties are in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Specifically : XXXX XXXX has failed to properly validate the debt as required by the FDCPA. 
Equifax has failed to conduct a reasonable investigation into my dispute and continues to report an account that has already been verified as fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Disputed for inaccurate information and it was not removed 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 2025-01-24 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: MD

Complaint narrative:
To Whom It May Concern, I am writing to express my concern pertaining to the recent lawsuit filed by the Consumer Financial Protection Bureau against XXXX for failing to properly investigate consumer disputes. I filed complaints XXXX of 2023 and i haven't received any form of details as to results from the investigation. 

As a consumer who has experienced issues with XXXX handling of credit report errors, I am deeply troubled by the allegations that XXXX conducted " sham investigations '' and failed to remove or reinsert errors on credit reports which they have violated 15 USC 1681 ( i ). 

The accuracy of credit reports is crucial for consumers ' access to credit, employment, and housing and primarily mode of living. When consumers like myself dispute errors on their credit reports, we expect a thorough and fair investigation. However, the CFPB 's lawsuit suggests that XXXX 's procedures are inadequate and do not comply with the Fair Credit Reporting Act. This has serious implications for consumers who rely on accurate credit reports to make important financial decisions. 

I urge the CFPB to take strong action to ensure that XXXX and other credit reporting agencies adhere to the FCRA and conduct proper investigations of consumer disputes. Consumers deserve transparency, accuracy, and fairness in the handling of their credit information. 

Thank you for your attention to this matter. I look forward to seeing improvements in the way credit reporting agencies handle consumer disputes. 

Sincerely, 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 2025-01-24 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: EQUIFAX, INC.
State: MD

Complaint narrative:
To Whom It May Concern, I am writing to express my concern pertaining to the recent lawsuit filed by the Consumer Financial Protection Bureau against XXXX for failing to properly investigate consumer disputes. I filed complaints XXXX of 2023 and i haven't received any form of details as to results from the investigation. 

As a consumer who has experienced issues with XXXX handling of credit report errors, I am deeply troubled by the allegations that XXXX conducted " sham investigations '' and failed to remove or reinsert errors on credit reports which they have violated 15 USC 1681 ( i ).

The accuracy of credit reports is crucial for consumers ' access to credit, employment, and housing and primarily mode of living. When consumers like myself dispute errors on their credit reports, we expect a thorough and fair investigation. However, the CFPB 's lawsuit suggests that XXXX 's procedures are inadequate and do not comply with the Fair Credit Reporting Act. This has serious implications for consumers who rely on accurate credit reports to make important financial decisions. 

I urge the CFPB to take strong action to ensure that XXXX and other credit reporting agencies adhere to the FCRA and conduct proper investigations of consumer disputes. Consumers deserve transparency, accuracy, and fairness in the handling of their credit information. 

Thank you for your attention to this matter. I look forward to seeing improvements in the way credit reporting agencies handle consumer disputes. 

Sincerely, XXXX XXXX

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: TX

Complaint narrative:
I have no liability to XXXX XXXX XXXX for they are a third party debt collector and I have no contract with them. XXXX XXXX  XXXX brought the debt from XXXX XXXX XXXX in which the debt would had to have been charged off. A charge off is considered income and income can not be reported to credit report because it turns into a certificate of indebtedness. I would like XXXX XXXX XXXX to provide me the direct contract between them and XXXX XXXX XXXX showing that the are authorized to collect for XXXX XXXX CONSULTAN and they are not a company that just brought a debt. They have also violated the Privacy Act of 1974 and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I was never given a notice or way to out of XXXXXXXX XXXX XXXX  and TransUnion reporting this to my report. It was caused significant emotional damage for I was not able obtain credit because of your actions.

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CO

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I was reviewing my credit report and noticed some inquires that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On Zelle I wasn't warned and didn't understand about transferring cash and the loss of my cash by using the wrong information accidentally

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a claim for an ATM withdrawal of {$660.00} made on XX/XX/XXXX, which I did not authorize. I noticed the withdrawal the same day and immediately blocked all my cards and contacted Bank of America to report the issue. The bank has since claimed that I approved the transaction and used my PIN, but I did not approve it and do not have the card in question with me. 

On XX/XX/XXXX, I received a letter stating that Bank of America would be reversing the temporary credit for the disputed transaction. The letter also mentioned that if I had concerns, I should contact them for the documents used to make their decision. 

I called Bank of America on XX/XX/XXXX to request these documents, but I did not receive an adequate response. They indicated they had no proof, yet they continued to deny the claim. They also asked me to provide proof that I no longer had the card, which is illogical given that I did not make the withdrawal in the first place. I have never made an ATM withdrawal in XXXX, and the bank should be able to verify this. 

On XX/XX/XXXX, I called again and was told that the back office does not reach out to customers directly. Despite this, the bank has continued to refuse to approve the refund. They previously mentioned on XX/XX/XXXX that someone would contact me with further information, but I have received no such communication. I am extremely concerned that Bank of America is not protecting my money or personal information. They are basing their decision on a text message I never received and an app that could be easily hacked. I am requesting that the bank provide verifiable proof that I made the transaction, as they have not done so to date. I still have not been reimbursed for the {$660.00}.

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

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I am filing this complaint against Midland Credit Management , Inc., for improper garnishment practices, interference with legally protected assets under UCC filings, and continued collection actions without proper validation of the alleged debt. 

Key Points of the Complaint : 1. Improper Garnishments : According to court docket reports from XXXX XXXX, Tennessee, Midland Credit Management has been receiving payments via garnishments labeled as payment received. 
These payments were taken without proper notice or documentation that the debt was legally owned by Midland.

Midland has not validated the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), yet continues to garnish funds. 
2. Interference with UCC Filings : On XX/XX/XXXXXXXX XXXX I filed a UCC-1 Financing Statement and a UCC-11 Information Request, asserting my legal rights over my personal assets. 
Midlands garnishment actions interfere with assets I have legally claimed under these filings. This constitutes a violation of my rights. 
3. Failure to Validate the Debt : I sent a formal debt validation request to Midland on XX/XX/XXXXXXXX XXXX and their response failed to provide adequate documentation. 
Specifically, Midland did not provide : A full chain of title showing ownership of the debt. 
A copy of the original credit application or agreement with XXXX XXXX 
A complete transaction history or breakdown of how the debt amount was calculated. 
I sent a second validation request on XX/XX/XXXX, and I am awaiting their response. 
4. Violation of Arbitration Clause : The original credit card agreement with XXXXXXXX XXXX includes an arbitration clause that requires disputes to be resolved through arbitration. 
Midland bypassed arbitration and obtained a default judgment in court, violating the terms of the original agreement.

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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
My XXXX XXXX bankruptcy finished early and with success. Experian states it will remain on credit report for another 2 years. I would like to have it removed due to the inaccuracy of it being left on my report when completed with no 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 2025-01-24 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: WI

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 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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
In XXXXXXXX XXXX XXXX Freedom Mortgage stopped accepting payments. First they randomly decided that the primary on the account died, despite being very much alive. Now they have invented a bankruptcy to block payments and tie us up on the phone with promises of resolution within " 5 - 7 days '' yet it is now in the end of XX/XX/XXXX and they still give the same runnaround on the phone refusing to take payment. It has become increasingly obvious that they are trying to defraud my family of their home through delay tactics and smoke screens. Everyone is friendly on the phone but completely incapable of removing the problems they created, never have I encountered a debt collector that is so allergic to 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 2025-01-24 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: FL

Complaint narrative:
I discovered incorrect personal information on my credit report including an outdated address and multiple incorrect variations of my name. I filed disputes with XXXX, XXXX and TransUnion but have not received a satisfactory resolution.

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: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I discovered incorrect personal information on my credit report including an outdated address and multiple incorrect variations of my name. I filed disputes with XXXX, Equifax and XXXX but have not received a satisfactory resolution.

Company response to consumer: Closed with explanation