vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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:
I am writing to file a formal complaint regarding serious inaccuracies and violations related to my credit reporting. My concerns primarily revolve around false Social Security numbers associated with my account, unauthorized inquiries, unauthorized accounts, and discrepancies in my reported balances. Despite my efforts to dispute these issues with the reporting company, they have failed to conduct proper investigations and consistently deny my requests. 

Under **15 U.S. Code 1681o**, consumers have the right to seek damages for willful noncompliance with the Fair Credit Reporting Act. The inaccuracies in my credit report not only misrepresent my financial standing but also have a detrimental effect on my creditworthiness. 

XXXX. XXXXalse Social Security Numbers** : My credit report contains false Social Security numbers linked to my account, creating confusion and further complicating my credit history. This raises significant concerns about identity theft and the accuracy of the information being reported. 

XXXX. **Unauthorized Inquiries and Accounts** : I have identified several unauthorized inquiries and accounts that I did not open. These entries are not only inaccurate but also violate my rights as a consumer. Despite my attempts to dispute these entries with the credit reporting company, they have not provided satisfactory resolutions, ignoring my requests for validation. 

XXXX. **Inaccurate Balances** : There are discrepancies in the reported balances on my accounts. These inaccuracies misrepresent my financial situation and have the potential to harm my credit score.

4. **Disclosure of Personal Information** : Additionally, the company has disclosed my personal information, including permanent addresses and phone numbers, in public records. This unauthorized dissemination of my information is a serious violation of my privacy rights. 

Despite my repeated attempts to resolve these issues directly with the reporting company, they have failed to investigate my claims adequately. They continually deny my requests without providing proper justification or resolution. 

I urge your office to investigate these matters thoroughly and take action against the reporting company for their failure to comply with the Fair Credit Reporting Act and the protections afforded to consumers under **15 U.S. Code 1681o**. I seek to have these inaccuracies removed and my rights restored. 

Thank you for your attention to this urgent 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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or armed the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. The following accounts are inaccurate 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 non-monetary relief
Consumer complaint received 2025-01-28 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:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or armed the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. The following accounts are inaccurate XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Goldman Sachs Bank USA will not give me my physical card number, so that I can proceed with processing a balance transfer with a different bank. Goldman Sachs Bank USA refuses to give me my physical card number, which I should have access to as the account owner. I should have complete access to my account. Also, one of Goldman Sachs Bank USA credit card representatives told me, We dont like balance transfers over here at Goldman Sachs , because we like to make money off of your interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-01-28 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: CA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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:
Recently, I checked my credit report and noticed multiple billing errors under XXXX XXXX XXXX XXXX ( b ) Billing Error : ( XXXX ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: NJ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 2025-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX - My daughter attempted to rent an apartment from XXXX XXXX. Unbeknownst to her at the time of signing, she was assigned an inhabitable unit. She returned the keys to the leasing agent in the first 24 hours. We made contacted the XXXX in writing ( email ) same day as signing, advising the unit was inhabitable and we were unable to move in. In the lease and under Alabama law, this was grounds for lease termination. I also spoke with the XXXX over the phone to reiterate she was not moving in, and that the keys had been turned in and accepted by the leasing agent within the first 24 hours. 
XX/XX/XXXX - I received an automated email from XXXX XXXX, stating I owe a balance. I emailed the XXXX to dispute the claim. I had no prior contact or information regarding this matter. 
XX/XX/XXXX - I am made aware via credit monitoring report, that Carter-Young INC ( a collection agency ) reported a collection account on my credit reports, and my daughters. The amount is {$9000.00} and was opened in XX/XX/XXXX. I disputed this account with the credit bureaus, and merchant & collection agency. I requested the merchant verify the validity of the account and cease collection activities until verification was received. The merchant stated they do not have any information to verify the validity of this account. I have no information from anyone on this matter and am now at risk of being homeless because I can not be approved for housing with this new collection account ; This Collection contributed to the negative Rental History Evaluation for me. 

My daughter is also disputing this account as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: AL

Complaint narrative:
am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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:
XXXX - account paid in full XXXX XXXX- account paid in full XXXX XXXX XXXX XXXX XXXX  account paid in full XXXX XXXX XXXX XXXX  XXXX - This is not mine, they confirmed a different social and different address than mine XXXX XXXX XXXX XXXX XXXX- not accurate reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PATRICK A. CAREY, P.A.
State: WA

Complaint narrative:
On XX/XX/year>, I received notification of accounts placed in collection from XXXX XXXX. Exhibits A Exhibit B. I quickly responded asking for a validation of the debt. Mailing address XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX email is XXXX Mobile Number is XXXX XXXX XXXX. XXXX. Between XX/XX/year> and XX/XX/year>, I sent weekly requests for validation of the accounts in dispute Exhibit A / B / F By email to XXXX XXXX XXXX, XXXX, XXXX Fax XXXX XXXX XXXX XXXX. The information I had asked for outlined in Exhibits A / B /F to Validate the debt was not provided. XXXX. On XX/XX/year>, the account was recalled to XXXX XXXX. so they could investigate the claim. XXXX XXXX / XXXX XXXX. On and about XX/XX/year>, I called the Offices of Marcadis Carey PA I used an out side line not my own, and informed XXXX that I was no longer residing in Florida after XX/XX/year> and provided my new address at XXXX XXXX XXXX XXXX XXXX WA XXXX my email is XXXX and the mobile number would remain the same XXXX XXXX XXXX. XXXX. On XX/XX/year> XXXX XXXX PA filed a Civil action Filing # XXXX knowingly using an address where I no longer reside. XXXX. Marcadis Carey PA used deceptive and unlawful tactics to obtain a default judgment against me without my knowledge. 

Marcadis Carey , P.A . replied The phone recordings were reviewed for the months of XXXX and XXXX. No call was received from phone number XXXX. The call was not made from XXXX XXXX XXXX .Mis leading and false statment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NJ

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). I would like to bring your attention to specific laws that outline your responsibility in handling disputes : 1. 15 U.S.C. 1681i ( a ) ( 1 ) - This requires credit reporting agencies to investigate disputed information within 30 days.

2. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) - This mandates that if the investigation results in changes, I must be notified of the corrections made.

3. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) - This requires reinsertion of previously deleted information to meet strict verification requirements, and I must be informed if this happens. 

The inaccuracies on my report are having a negative impact, and I request an immediate investigation and correction of the following : Please provide me with the results of your investigation, the updated credit report, and a detailed explanation of the changes made in compliance with federal law. 

If these issues are not resolved promptly, I will consider pursuing further action to enforce my rights under the FCRA.

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 2025-01-28 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: CA

Complaint narrative:
Hi my name is XXXX XXXX and this is your **final and non-negotiable** demand to **immediately** delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. 
**Pursuant to 15 U.S.C. 1681b**, you are illegally reporting and sharing my personal information without my explicit authorization.

**You do not have my consent, and you have never had my consent** to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains **unauthorized inquiries** that I did not initiate, which makes me a **victim of identity theft**.

**Under 18 U.S.C . 8**, I owe **absolutely no debt** to the companies listed. Your failure to delete these inaccuracies immediately will result in **severe legal consequences**. I will **not hesitate** to pursue every available legal avenue to hold you accountable, including but not limited to : XXXX. Filing formal complaints with the **Federal Trade Commission ( FTC ) ** and the **Consumer Financial Protection Bureau ( CFPB ) **.

2. Initiating civil lawsuits for violations of my rights under the **Fair Credit Reporting Act ( FCRA ) **.

3. Seeking **statutory and punitive damages** for your gross negligence and failure to comply with federal law.

You are hereby notified that you have **no further opportunity** to delay or ignore this matter. I **demand** that all incorrect entries and unauthorized inquiries be deleted **immediately** and **permanently**. This is your **final warning**, and I expect **written confirmation** of the deletions without delay.If I do not receive confirmation of the deletions within the next 10 business days, I will proceed with full legal action, which will result in **significant consequences** for your continued disregard of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX  in Georgia is the third party collection. I did not sign a contract. They need to remove that of my credit report asap which is damaging my credit report, since I already did a XXXX XXXXXXXX bankruptcy

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