vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: WA

Complaint narrative:
Subject : Urgent Dispute Regarding Inaccurate Derogatory Marks on My Credit Reports Dear CFPB I am writing to formally dispute inaccurate and derogatory marks on my credit reports from XXXX, Experian, and XXXX. These inaccuracies have negatively impacted my credit score, and despite multiple attempts to dispute them, no corrective action has been taken.

I have provided supporting documentation to prove these errors, yet the information remains unchanged. Now, third-party debt buyers are reaching out to me for payment on accounts that should not be reflected on my credit profile. This situation has caused unnecessary financial stress and hardship. 

I am requesting that this matter be escalated and reviewed thoroughly. I would also like to ask the Consumer Financial Protection Bureau ( CFPB ) to look into this issue and help facilitate the removal of these inaccurate marks from my credit reports. 

Please confirm receipt of this letter and provide an update on the actions being taken to correct my credit file. I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: WA

Complaint narrative:
Subject : Urgent Dispute Regarding Inaccurate Derogatory Marks on My Credit Reports Dear CFPB I am writing to formally dispute inaccurate and derogatory marks on my credit reports from XXXX, Experian, and XXXX. These inaccuracies have negatively impacted my credit score, and despite multiple attempts to dispute them, no corrective action has been taken.

I have provided supporting documentation to prove these errors, yet the information remains unchanged. Now, third-party debt buyers are reaching out to me for payment on accounts that should not be reflected on my credit profile. This situation has caused unnecessary financial stress and hardship. 

I am requesting that this matter be escalated and reviewed thoroughly. I would also like to ask the Consumer Financial Protection Bureau ( CFPB ) to look into this issue and help facilitate the removal of these inaccurate marks from my credit reports. 

Please confirm receipt of this letter and provide an update on the actions being taken to correct my credit file. I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, 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 2025-02-04 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: GA

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 wen transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX 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 2025-02-04 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: VA

Complaint narrative:
I reviewed my Equifax Credit Report and I noticed the following Credit Inquiries I do not recall giving authorization to have those inquiries on my file. 

Please remove the following inquiries from my file. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Furniture Salvage XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/XXXX, I authorized a charge to my credit card from the retailer XXXX for my girlfriend as a XXXX present. It was eventually delivered, supposedly after the package was delayed multiple times ; however, I never got the package. I checked with my neighbors, who said they never got anything either. After this, I contacted the retailer, who then told me to contact XXXX. After UPS told me there was nothing they could do, I submitted a dispute because my situation followed under the XXXX protections because I never received it. so I filed a dispute with Discover, my credit card company, and initially, I was refunded for the purchase. However, on XX/XX/XXXX, I received a notification that the charge was valid, and because of that, the XXXX dollars was retaken from my account. I called today, XXXX, XX/XX/XXXX, asking why this happened. They said that because the item was delivered on the UPS side, I was not eligible for my refund, which makes no sense I would understand if the package had a signature requirement or something, and because of that, I would not receive my refund because I signed for the item, but I did not I received a notification it was delivered looked around checked all of my neighbor 's packages and nothing. Then, today, on XX/XX/XXXX, they told me to call the shipping company again and ask them for a refund. But I know, based on the XXXX, if an item was not delivered, I'm entitled to a refund. I even told them that on the phone, and they still told me they could do nothing. Long story short, because my item had a tracking number, I was not eligible for a refund even though I never received the item

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
I have unauthorized hard inquiries on my report that I do not recognize. I wasnt aware of any of these. Whoever did it ran my credit report through the roof XXXX XXXX XXXX : XXXX XXXX, 2023 XXXX XXXX : XXXX XXXX, 2023 XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX C Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX : XXXX XXXX, 2023 XXXX XXXX XXXX : XXXX XXXX, 2023 XXXX XXXX XXXX XXXX : XXXX XXXX, 2023 XXXX XXXX XXXX : XXXX XXXX, 2023 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX  XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, 2023

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 2025-02-04 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: GA

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 XXXX 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 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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equitax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hauge Associates, Inc.
State: IA

Complaint narrative:
On XX/XX/year>, I discovered I had XXXX debts I did not know existed while trying to build my credit, both debts combined came out to {$XXXX}. These debits heavily impacted my XXXX XXXX, so I reached out to the debt collector agency to obtain the necessary information regarding the XXXX debts but never received a response or the bill I was told would be mailed to me. I sent an email on XX/XX/year>, asking for this information but received no reply, on XX/XX/year>, I called the agency and was informed I owed them over {$XXXX} due to interest and late payments. I again requested an itemized bill and was told once they processed my request, they would mail me the bill, I never received said XXXX, on XX/XX/XXXX, XXXX I sent XXXX XXXX another email requesting the bill again but have received no reply or call back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
I recently obtained a copy of my credit report and after thorough review I have noticed several accounts that do not belong to me. I have already reached out to the respective companies for clarification and additional info but have yet to receive a response. Additionally, I have filed disputes, but I believe they have not been adequately investigated. These inaccuracies are having a significant and detrimental impact on my financial well-being and overall livelihood.

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 2025-02-04 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: GA

Complaint narrative:
I recently obtained a copy of my credit report and after thorough review I have noticed several accounts that do not belong to me. I have already reached out to the respective companies for clarification and additional info but have yet to receive a response. Additionally, I have filed disputes, but I believe they have not been adequately investigated. These inaccuracies are having a significant and detrimental impact on my financial well-being and overall livelihood.

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 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery XXXX amount {$XXXX} XXXX phone calls multiple times a day from different numbers harassing me about the debt. I told them I had no knowledge or access of such account or the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: PA

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Bankruptcy Reference # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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 2025-02-04 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: IN

Complaint narrative:
Tracking Number of XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ________________________________________ XXXX. What Happened : On XX/XX/year>, I submitted a formal dispute to Experian and XXXX regarding inaccurate credit report entries related to fraudulent agreements tied to XXXX XXXX ( Account Number : XXXX ). These agreements were based on the unauthorized reuse of my electronic signature by XXXX XXXX XXXX and accepted by XXXX XXXX without my consent, violating multiple federal laws. 
In response, Experian denied my dispute on XX/XX/year>, despite providing : XXXX audit trails proving unauthorized signature reuse. 
Documentation of fraudulent contract modifications accepted by XXXX XXXX. 
Evidence of my previous disputes with CFPB Reference Numbers : o # XXXX ( XXXX XXXX ) o # XXXX ( Bobs Discount Furniture ) Experian failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ). Instead, they requested excessive personal information, including : A copy of my government-issued ID.

Utility bills and proof of addresses for the past two years, which is excessive considering the dispute relates solely to XXXX XXXX fraudulent reporting. 
I provided all necessary documentation, including my identification, but Experian still denied the dispute without properly investigating the fraudulent claims. 
2. Laws Violated by Experian : Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) Section 1681i ( a ) : Failure to Conduct a Reasonable Investigation Experian failed to perform a proper reinvestigation of my dispute, ignoring clear evidence of fraud and relying solely on XXXX XXXX verification without independent validation. 
Section 1681e ( b ) : Failure to Maintain Accuracy in Credit Reporting Experian continued to report inaccurate, incomplete, and unverifiable information even after being notified of the fraudulent nature of the XXXX XXXX account. 
Section 1681c-2 : Right to Block Information Resulting from Identity Theft or Fraud Despite providing evidence of unauthorized electronic signatures, Experian refused to block the fraudulent information from my credit report.

Section 1681i ( a ) ( 6 ) ( B ) : Failure to Provide Adequate Explanation for Dispute Denial Experians denial letter lacked a detailed explanation of the reinvestigation process or the basis for rejecting my dispute, violating the FCRAs disclosure 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 non-monetary relief
Consumer complaint received 2025-02-04 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: AL

Complaint narrative:
I have identified information on my consumer reports that are a result of identity theft. These items are not related to any transactions completed by me

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 2025-02-04 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: AL

Complaint narrative:
I have identified information on my consumer reports that are a result of identity theft. These items are not related to any transactions completed by me

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 2025-02-04 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: CA

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 2025-02-04 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: MA

Complaint narrative:
I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: AL

Complaint narrative:
I have identified information on my consumer reports that are a result of identity theft. These items are not related to any transactions completed by me

Company response to consumer: Closed with non-monetary relief