vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These items are from unauthorized use of my social security number and card. Please remove the following from my credit report : XXXX XXXX ( original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX I disputed an account reported by XXXX XXXX and XXXX XXXX in the file you maintain under my Social Security number. 

I was informed on XX/XX/XXXX that the item was deleted from my credit report. 

Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section611 ( a ) ( 5 ) ( b ) ( II ), you are required to notify me of the reinsertion in writing within five business days. 



( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer IF any information that has been deleted from a consumers file pursuant to subparagraph ( a ) is reinserted in the file the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means, available to the agency. 



I receive no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I wrote to LVNV Funding LLC requesting validation of the debt they are stating I owe. I am not familiar with the debt they were requesting payment. I never received the validation requested. The debt was placed on my credit report. I disputed the debt in an attempt to get validation or removal and I received no help just an uphold of the debt. The credit Bureaus did not provide me any explanation of what the debt was. To this day I have no knowledge of or validation of this debt. This has affected my credit and brought an already challenging score down further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc.
State: SC

Complaint narrative:
Numerous accounts at once, too much to verify on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Subject : Final Notice Regarding Conns Appliances Bankruptcy and XXXX XXXX Dear Experian XXXX, Account # XXXX Conns appliances I am writing to formally notify you that XXXX XXXX is no longer a functioning company due to its recent bankruptcy. As a result, they are unable to fulfill any financial obligations, and any reporting related to this company should be considered invalid. 

And also XXXXXXXX XXXX assured me that this account would be deleted off my credit report and was never done. 

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that the information they report is accurate and up-to-date. Given that XXXX XXXX has filed for bankruptcy and is no longer operational, any negative reporting associated with this company should not be reflected on my credit report. 

Furthermore, I have previously reached out to you regarding this matter, but I have not received a satisfactory response or resolution. As per the FCRA, you are obligated to investigate disputes regarding credit reporting inaccuracies. Your failure to address this issue has caused undue stress and potential harm to my credit standing. 

Please consider this my final notice. I expect the removal of any references to Conns Appliances from my credit report within 30 days. If this matter is not resolved promptly, I will have no choice but to proceed with legal action against Experian for failing to comply with the FCRA and for the inaccuracies in my credit report. 

I appreciate your immediate attention to this matter and look forward to your prompt response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: OK

Complaint narrative:
I request your help in reviewing accounts from companies that have inaccurately reported late payments. Upon checking my credit report, I found some accounts with late payment remarks that should not be there. These accounts should reflect no late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This letter is because I was just notified of an account added to my consumer report that I did not apply for nor recognize this account. 1. ( XXXX XXXX XXXX : XXXX ) or webbank/paypal. This account id fraudulent and I ask to be removed immediately. 
Pursuant to XXXX XXXX XXXX, I owe no debt. This company is violating my consumer right to privacy pursuant to XXXX XXXX XXXX XXXX XXXX company has also NO permission to report ANYTHING using my info pursuant to 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), particularly XXXX XXXX. XXXX, which requires consumer reporting agencies to block or delete information reported without written consent. 

You have failed to ensure maximum possible accuracy, as required under XXXX XXXX. XXXXXXXX XXXX XXXX XXXX  The reporting of unauthorized data also breaches XXXX XXXX. XXXX, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to request the removal of certain inquiries on my credit report that are older than one year, in accordance with the Fair Credit Reporting Act ( FCRA ) Section 609 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As specified in the FCRA, inquiries for any purpose other than employment purposes should only remain on a credit report for the one-year period preceding the date of this request. 
Since these inquiries are not related to employment and are older than one year, I respectfully request their removal from my credit report. Please update my credit file accordingly and provide written confirmation of the changes made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: NC

Complaint narrative:
After pulling all 3 of my credit reports, I noticed a Charged off account from State Employees Credit Union. I reached out about no knowledge of the account, NO help. I disputed it several times and they keep " verifying info '' I'm confused as to what info and how if I never had this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: NC

Complaint narrative:
After pulling all 3 of my credit reports, I noticed a Charged off account from State Employees Credit Union. I reached out about no knowledge of the account, NO help. I disputed it several times and they keep " verifying info '' I'm confused as to what info and how if I never had this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: GA

Complaint narrative:
i am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report Despite my submissions, XXXX consistently responds within XXXX stating the account is accurate, without providing any evidence of a thorough investigation. This violates the fair Credit reporting act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the consumer Financial Protection Act ( XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation for Accounts XXXX, XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My personal information was breached in the XXXX data breach. Adverse information was furnished to my consumer XXXX report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in 4 business days according to 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently review my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on XXXX accounts that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. These accounts have never been late on payments. I have attached a copy of my report to this complaint on the following dates, XX/XX/year>, and XX/XX/year>. I am now requesting you investigate these accounts and update these payments to pain on time immediately. Thank you for your understanding and prompt action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX Owed : $ XXXX Late/Closed XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$0.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00} - Collection

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX Owed : $ XXXX Late/Closed XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$0.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00} - Collection

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
TO WHOM IT MAY CONCERN : Pursuant to the authority granted under the Fair Credit Reporting Act ( FCRA ), the New Jersey Consumer Fraud Act, and applicable state and federal law, I, XXXX XXXX, hereby submit this formal demand for the immediate removal of the following account from my credit report, as the inclusion of the same is erroneous, unjustified, and in violation of my rights under these statutes : Creditor Name : LIGHTSTREAM Account Number : XXXX Account Type : Installment Account Loan Type : Unsecured Date Opened : XX/XX/year> Amount : {$29000.00} Monthly Payment : {$490.00} Dispute : Account is inaccurate, and no obligation exists under my name. 
This account was inaccurately reported to credit bureaus, and it is imperative that this error be rectified immediately. Failure to remove this account will compel me to pursue all legal avenues, including but not limited to, filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), the New Jersey Division of Consumer Affairs, and pursuing litigation under the FCRA and the New Jersey Consumer Fraud Act for violations of my consumer rights, which may result in civil penalties, damages, and legal fees.

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