vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-12 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: OH

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human XXXX  debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human XXXX  of XXXX XXXX and would like for all listed account to be blocked and deleted company information from Experian. 

Please delete the following account : XXXX XXXX XXXX XXXX Balance : {$1100.00}

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 2024-10-12 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Navy Federal Credit Union sold Consumers account to XXXX. At the time XXXX purchased this account, the balance was {$10000.00}. Consumer was given notice by Navy Federal Credit Union of the assignment of the account and the balance due. Shortly after the assignment, XXXX sent a letter notifying Consumer of the assignment to XXXX and its internal account number XXXX. This account was just recently acquired by XXXX. Validation will be sent promptly. Additionally, the case cited by Consumer has nothing to do with purchased debt as suggested. Based on the foregoing, XXXX is closing this complaint. 


This entire statement is false, seeing as there is an active cease and desist in place with Navy Federal. By law they can not contact me. I also requested from XXXX the following information. 
Under the FDCPA, consumers have the right to request verification and disclosure of debt information, including the amount paid for the debt. Here are relevant sections : 1. 15 U.S.C. 1692g ( a ) ( 1 ) : Debt collectors must provide, within 5 days of initial communication, a written notice containing : - The amount of the debt. 
- The name of the creditor. 
- A statement indicating the debt is assumed valid unless disputed. 
1. 15 U.S.C. 1692g ( b ) : Consumers can request verification of the debt within 30 days of initial communication. Debt collectors must provide : - Validation of the debt.

- The amount paid for the debt ( if requested ).

1. 15 U.S.C. 1692g ( c ) : Debt collectors must cease collection activities until verification is provided. 

To exercise your rights, submit a written request to the debt collector via certified mail, requesting : - Verification of the debt.

- Disclosure of the amount paid for the debt.

Itemization of charges is not verification of debt. Please send documentation containing my wet signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2024-10-12 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: OR

Complaint narrative:
I recently noticed a hard inquiry on my credit report made by XXXX XXXX XXXX. The inquiry may have reduced my credit score substantially. I had no idea why the inquiry was made so I contacted XXXX XXXX XXXX. They said it was due to an application for a XXXX XXXX XXXX which they had denied for lack of additional information requested from the applicant. I, myself had never filed any application for a credit card through XXXX XXXX XXXX. I assured XXXX XXXX XXXX  that the application was not done by me and was fraudulent. I requested they remove the inquiry made against my credit report and they agreed it appeared fraudulent being done online and the applicant not being able to supply the additional information requested by XXXX XXXX XXXX. They assured me their inquiry on my credit would be deleted and a fraud investigation would be undertaken and any decrease in my credit score would be reversed. They also asked me to file a victims report with the XXXX credit bureaus, XXXX, XXXX and Equifax but I had trouble finding the right documents to file at the XXXX credit bureaus so I am requesting CFPB help me in making the complaint in filing a victims report of fraud with the XXXX credit bureaus as requested by XXXX XXXX XXXX. The inquiry by XXXX XXXX XXXX  was done on XXXX XXXX, 2024. The application was attempted fraud by persons unknown at this time and not filed by me, XXXX XXXX. The XXXX XXXX XXXX  associate was very helpful in explaining to me why a credit inquiry was done at which time I assured her, the application for a credit card she just revealed to me was not done by me and indeed fraud. I was told the undertaken investigation and its results would be shared with the credit bureaus and me and XXXX XXXX XXXX  would immediately withdrawal their inquiry which very possibly had reduced my credit score as much as XXXX points. I am filing this complaint as requested by XXXX XXXX XXXX  as a victims report of fraud to be forwarded to the XXXX major credit bureaus. Thank you, XXXX XXXX XXXX : original complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: OR

Complaint narrative:
I recently noticed a hard inquiry on my credit report made by XXXX XXXX XXXX. The inquiry may have reduced my credit score substantially. I had no idea why the inquiry was made so I contacted XXXX XXXX XXXX. They said it was due to an application for a XXXX XXXX XXXX which they had denied for lack of additional information requested from the applicant. I, myself had never filed any application for a credit card through XXXX XXXX XXXX. I assured XXXX XXXX XXXX  that the application was not done by me and was fraudulent. I requested they remove the inquiry made against my credit report and they agreed it appeared fraudulent being done online and the applicant not being able to supply the additional information requested by XXXX XXXX XXXX. They assured me their inquiry on my credit would be deleted and a fraud investigation would be undertaken and any decrease in my credit score would be reversed. They also asked me to file a victims report with the XXXX credit bureaus, Experian, XXXX and XXXX but I had trouble finding the right documents to file at the XXXX credit bureaus so I am requesting CFPB help me in making the complaint in filing a victims report of fraud with the XXXX credit bureaus as requested by XXXX XXXX XXXX. The inquiry by XXXX XXXX XXXX  was done on XXXX XXXX, 2024. The application was attempted fraud by persons unknown at this time and not filed by me, XXXX XXXX. The XXXX XXXX XXXX  associate was very helpful in explaining to me why a credit inquiry was done at which time I assured her, the application for a credit card she just revealed to me was not done by me and indeed fraud. I was told the undertaken investigation and its results would be shared with the credit bureaus and me and XXXX XXXX XXXX  would immediately withdrawal their inquiry which very possibly had reduced my credit score as much as XXXX points. I am filing this complaint as requested by XXXX XXXX XXXX  as a victims report of fraud to be forwarded to the XXXX major credit bureaus. Thank you, XXXX XXXX XXXX : original complaint # 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 2024-10-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX Dear ( Debt Collector ) 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 amount 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 I 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.

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 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year>, TRANSUNION received a dispute from me for account XXXX XXXX XXXX, installment account, auto loan. I sent TRANSUNION THIS dispute because i have NEVER been late on my auto loan payment. i have only had my car for one year it is no way possible i was late for 10 months straight!!! i informed TRANSUNION that this was a mistake and informed the creditor. The creditor told me i would have to dispute it with the credit bureau TRANSUNION to get it changed. i disputed it, and TRANSUNION VERIIFED THE DEBT, i THEN ASKED FOR A METHOD OF VERIFICATION, FOR THE LATE PAYMENTS. According to FCRA i am well within my rights to request removal of late payments because this company failed to send me proper notifications and i do not recall missing a single payment. 

TRANSUNION IS IN VIOLATION OF : 15 U.S. Code 1666b - Timing of payments ( 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 REQUESTED TRANSUNION send me the notices and names of people and copies of correspondence from XXXX that they used to verify these late payments. 

TRANSUNION has failed to respond to my dispute, and had committed multiple federal law violations including my privacy of credit file and TRANSUNION did not provide protection and accuracy of 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 non-monetary relief
Consumer complaint received 2024-10-12 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please block this information from my credit report within XXXX business days pursuant to section 605C the Fair Credit Reporting Act. Please send me a notification the actions taken. I appreciate your prompt swift attention to this important matter. Thanks, 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 2024-10-12 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Complaint Against TransUnion for Inaccurate Reporting Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against TransUnion for their continued inaccurate reporting of my account with XXXX XXXX XXXX. Despite having settled this account on XX/XX/XXXX, TransUnion continues to report it as a charge-off on the Annual Credit Report website. 

This account has been in good standing, and there have been no late payments. Under the Fair Credit Reporting Act, a charge-off should occur only when an account is 100-120 days overdue, which is not applicable in my case. I have supporting documents that validate my claim that this account is inaccurately reported and should not be classified as a charge-off. 

I request that the CFPB take appropriate action to ensure this account is removed from my credit report due to the inaccurate reporting by TransUnion. 

Thank you for your attention to this matter. I look forward to your prompt response regarding the actions taken to address this issue. 

Sincerely,

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 2024-10-12 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Social Security Number : XXXX Contents of Complaint : This complaint is being filed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) to request that XXXX, the credit reporting agency, block the information on my consumer credit report that is the result of identity theft and fraud. I expect this action to be taken within XXXX business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes : Please delete and block the following negative items on my credit report : a XXXX XXXX  account ( account number XXXX ) with a balance of {$18000.00} opened on XX/XX/XXXX, XXXX  XXXX XXXX account ( account number XXXX  ) with a balance of {$1700.00} opened on XX/XX/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 2024-10-12 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I did not authorize any of these inquiries and do not know why they are on my report. 
XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/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