vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding the handling of my credit report dispute by Equifax and TransUnion. Despite my previous complaint, reference number XXXX EQUIFAX / XXXX TRANSUNION and repeated attempts to have inaccurate information corrected, both bureaus have shown little effort in properly investigating and resolving the discrepancies in the reporting of credit inquiries. 

Here are the key issues I have encountered : Inconsistent Reporting of Inquiries : Equifax reports XXXX inquiries on my credit report. 
TransUnion reports XXXX inquiries. 
XXXX reports XXXX inquiries. 
This inconsistency between the credit bureaus is concerning, as the same information should be reported accurately and uniformly across all three bureaus. 

Failure to Address Dispute Concerns : Despite filing a dispute with Equifax and TransUnion, I received responses that failed to fully investigate or resolve the discrepancies in my credit report. Equifax has claimed that these inquiries are factual and will remain on the file for XXXX years, but this does not address the issue of inconsistent reporting or the inaccurate nature of the inquiries listed on my report. 

Lack of Transparency : Both Equifax and TransUnion failed to provide clear evidence that they conducted a proper investigation into my dispute. The responses I received lacked sufficient detail or documentation to support their claims, further aggravating my concerns. 

Inaccurate and Misleading Inquiries : Many of the inquiries listed on my credit reports appear to be inaccurately labeled and misleading. These discrepancies have caused confusion and negatively impacted my credit standing.

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 2025-03-12 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: KY

Complaint narrative:
Subject : Request for Account Blocking and Deletion Due to Data Breach I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. Accounts in Question : XXXX XXXX  Account Number : XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days!

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 2025-03-12 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: CA

Complaint narrative:
I am submitting this formal complaint regarding multiple erroneous late payments that have been reported on my credit file for my XXXX account XXXX Account # XXXX ) from XXXX to XX/XX/year>. These late payments resulted from a documented technical error with the automatic payment system, which was entirely out of my control. 

Despite my efforts to ensure timely payments, an issue with the creditors processing system caused delays, leading to unjustified negative marks on my credit report. I have attempted to resolve this matter directly with the creditor, but my concerns have not been properly addressed. Under the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Laws, I am entitled to a fair and accurate credit report free of erroneous information. 

Legal Basis for Removal : FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Creditors must provide accurate information to credit bureaus. Since these late payments were caused by a technical issue and not financial negligence on my part, they should not be reflected on my credit report. 
FCRA 1681i ( a ) ( 1 ) : I have the right to dispute inaccurate or unverifiable information, and the data furnisher must properly investigate and remove any incorrect reporting.

FCRA 1681s-2 ( b ) : If an error is disputed, the furnisher is legally obligated to conduct a reasonable investigation and correct the inaccuracy.

Despite these legal protections, the inaccurate late payments remain on my file, significantly impacting my creditworthiness. I am requesting immediate removal of these late payments from my report to rectify this matter. 

Next Steps : If this issue is not resolved promptly, I will have no choice but to file a claim in my local small claims court to seek damages for financial harm caused by this reporting error. I am also prepared to escalate this matter with the appropriate regulatory agencies overseeing fair credit reporting practices. 

Please confirm receipt of this complaint and provide an official resolution in writing. I appreciate your prompt attention to this matter.

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 2025-03-12 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: CA

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 explanation
Consumer complaint received 2025-03-12 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: CA

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 non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Subject : Unfair and Inaccurate Reporting of Auto Loan by Credit Acceptance Corporation Complaint Description : I am filing this formal complaint against Credit Acceptance Corporation regarding their continuous inaccurate reporting of my auto loan account on my credit reports. 

I have not made a payment on this account for over two years, yet Credit Acceptance has refused to charge off the account, and instead continues to report the account as past due month after month, causing ongoing damage to my credit profile.

According to standard industry practices and guidance under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, lenders are expected to charge off installment loans, such as auto loans, typically after 120 to 180 days of non-payment. However, Credit Acceptance Corporation has failed to charge off my account, and their ongoing reporting is inaccurate, misleading, and does not reflect the actual status of the loan.

I have not been provided with any explanation for this unusual reporting practice, despite attempts to contact them directly. The continuous past due reporting is harmful and does not comply with accurate and fair credit reporting obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 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 Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX. 2025 A bank hacker logged onto my account fraudulently transferring funds throughout my account from my savings to my checking. The total amount stolen from the security breach is {$9600.00}. I was told since it was transferred through a third party ( cash app ) that they were not responsible ( that was over the phone ). I called Navy Federal countless times over updates and discussions of the negligence that occurred on their side to result in this. In response I was told no error occurred in the transaction. Evidence has been provided to back up my argument including the fraudulent transactions, police reports, FTC report and other necessary steps to combat Identity Theft and my finance. Actions provided by Navy Federal Credit Union have been minimal to none including the reopening of a new account with various security features still compromised within the account that took several phone calls to secure

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXX XXXX, XXXXXXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super XXXX  and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am a person of identity theft due to my identity was exposed in a data breach dont turn this into a thirty day dispute investigation under section 605B this should be removed in 4days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 2025-03-12 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have made Multiple attempts to ask for proof of validation of debt that these accounts were established using my ID and signature, neither of these companies have been successful at providing this information so I am requesting that this to be removed from my credit report because I am not responsible for this debt or these accounts Please remove ComenityCapital/Zales from my account according to section 605B late payment collections is illegal to report anything to my credit report without my permission. Please move this negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : TransUnion XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRAs permissible purposes requirements.

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 2025-03-12 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: MI

Complaint narrative:
I hope this letter finds you well. I am writing to formally dispute a collection account that has been reported on my credit file, as I believe it is a fraudulent charge and should be removed. 
The account in question is as follows : XXXX XXXX : XXXX XXXX XXXX XXXX 
Agency Name : XXXX Date Assigned : XX/XX/year> Original Balance : {$3400.00} I did not authorize this debt, nor do I have any records or knowledge of the transaction leading to this account being placed in collections. Given that this is a fraud issue, I request that this account be investigated, and the fraudulent transaction be removed from my credit report entirely. 
To assist with the investigation, I have attached a copy of my identity theft report and any other relevant documentation that may support my case. Please treat this as an urgent matter, as this fraudulent activity is negatively impacting my credit score. I respectfully request that you complete your investigation and remove the collection
account from my credit report within the 30-day period required by law. I would appreciate a prompt response confirming that this matter has been resolved. 
Thank you for your attention to this issue. I look forward to your swift action in correcting my credit file.

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 2025-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
VALIDATION AND CEASE AND DESIST XX/XX/year> Collection agency name : LVNV FUNDING LLC Address : Account number : LAST XXXX XXXX : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear LVNV FUNDING LLC I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amou
nt you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation