vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: IL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-01-29 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: IL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I return phone before I left because It was a simple flip phone that easy to operate, push buttons not easy to push, display screen hard to read and understand, so before I left store I around stated I did not want phone gave it back with box it came in non used condition, ( which is the best and proper way to do ) .Then I look at the XXXX XXXX to turn off my phone line service, ( that I have just open, not used yet ), and I was leaving store the employee yelled you left your phone, I never got a phone bill, are receipt for phone I bought because all that information would be on my first month bill, and no customer account number.XXXX  has listed me as a credit not paid {$220.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: GA

Complaint narrative:
I have been a victim of identity theft since XXXX  when my information was stolen and sold to others. I have had numerous people attempt to live in apartments in my name and successfully do so. I then have to deal with the collectors and the consequences that falsely affect my credit, my time, and my sanity. This is despite having a police report and a drivers license, a social security card, etc to verify my actual identity and to confirm I have never lived in the apartments that I am repeatedly reported to have lived.

My credit is tarnished due to your misinformation and unwilligness to expediently resolve this situation. You further the harm against me as a consumer when reporting this innacurate information while neglecting to protect me or follow the instru
ctions under my account information. I will continue to exercise every legal avenue to the fullest extent to ensure you compensate me for the damages you continue to cause me. 

I have never lived at XXXX XXXX  at XXXX. I do not owe them anything. Your information is incorrect and this is the seventh time I have asked for remediation.

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 2025-01-29 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: FL

Complaint narrative:
I am writing to dispute the following negative items listed on my credit report : XXXX XXXX - XXXX - {$1300.00} XXXX XXXX  - XXXX - {$0.00} These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.

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 2025-01-29 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: PA

Complaint narrative:
After thoroughly reviewing my consumer report, I have identified violations of my consumer rights. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ), the term " consumer report '' does not include reports containing information solely about transactions or experiences between the consumer and the person making the report. Late payments qualify as transactions, and utilization reflects an experience generated by credit usage. 

XXXX, Experian, XXXX has reported late payments on multiple accounts ( XXXX ACCOUNT # XXXX, XXXXXXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, and/or utilization, both of which are based on credit usage. Under 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report under specific circumstances, and only with the consumer 's consent. I have not provided XXXX with written consent to report such information, including late payments or utilization details. 

Additionally, according to 15 U.S.C. 1681 602, the Congressional findings and statement of purpose emphasize the need for consumer reporting agencies to fulfill their responsibilities with fairness, impartiality, and respect for the consumer 's privacy rights. The law also stresses that the accuracy of credit reporting is essential to the functioning of the banking system. Inaccurate reporting damages the efficiency of the banking system and undermines public confidence in credit reporting, which is vital for its continued operation. 

The reporting of these late payments and utilization is both inaccurate and a violation of my privacy. XXXX has infringed upon my consumer rights by allowing this erroneous information to appear on my consumer report.

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 2025-01-29 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 

Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I was never late on this account. I have made all my payments on time. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : This account is reporting the wrong balance owed. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$76000.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

INQUIRIES XXXX : XXXX XXXX on XX/XX/year> XXXX XXXX on XX/XX/year> XXXX on XX/XX/year> XXXX XXXX  on XX/XX/year> XXXX  on XX/XX/year> XXXXXXXX XXXX on XX/XX/year> EQUIFAX : XXXX XXXX XXXX  on XX/XX/year> These items are either inaccurately reported or have already been resolved, and I kindly request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.

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 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: MI

Complaint narrative:
My account was restricted on XX/XX/2025. My job sent my direct deposit to this account on XX/XX/2025, but since the account is restricted I cant access my own money. I have called multiple times and asked for this to be resolved to no avail and now I am entering financial hardship because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
I am writing under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), Section 611, to formally request the removal of unauthorized or inaccurate hard inquiries from my credit report. 
Specifically, I am disputing the following inquiries : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian According to FCRA guidelines, only inquiries authorized by me in connection with a legitimate credit application should remain on my report. If you can not provide documented evidence of my consent for these inquiries, I respectfully request their immediate deletion.

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 2025-01-29 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 a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred. 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 ae 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 2025-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Self Financial Inc.
State: GA

Complaint narrative:
Company refuses to remove paid debt off of credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Letter contact stating a proposal of a XXXX debt for a platinum card I'm not aware of to settle the amount of 65 % savings ofXXXX I want a : forward flow agreement : debt assignment letter Stating I have given permission to collect on this debt aand Aldo a copy of my original signature and payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: PA

Complaint narrative:
I just checked my credit report and it's loaded with inquiries I don't recognize, all because some company decided to pull my credit without my permission. This is a complete invasion of my privacy and it's messing with my life!

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 2025-01-29 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: NC

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 Convergent, 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 explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm really upset because a company pulled up my credit report and now it's showing all these inquiries that I don't recognize. This is unacceptable! I have no idea where these are coming from and it's seriously stressing me out!

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 2025-01-29 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: WI

Complaint narrative:
Subject : Request for Correction of Inaccurate Late Payment Reporting Pursuant to XXXX XXXX XXXXXXXX ( b ) Dear Equifax Customer Service, I am writing to formally dispute an inaccurate late payment reporting on my credit report. According to XXXX XXXX. XXXXXXXX XXXX XXXX XXXX of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to maintain the maximum possible accuracy of the information they report. The late payment entry associated with my account is incorrect, and I request its immediate investigation and removal to ensure compliance with federal law. 
The inaccurate reporting details are as follows : Creditor Name : XXXX XXXX XXXX Account Number ( if available ) : XXXX Reported Late Payment Date : XX/XX/XXXX, XX/XX/XXXX This incorrect reporting is causing unjust harm to my credit profile, and I demand a prompt investigation into this matter. Please verify the accuracy of this information with the creditor and provide me with documentation supporting the validity of this late payment. If you are unable to obtain verifiable proof of its accuracy, the information must be removed from my credit report immediately. 
To assist with your investigation, I have enclosed : A copy of my credit report highlighting the disputed item A copy of my identification for verification purposes Please correct this inaccurate reporting as required by law and provide written confirmation of the results of your investigation within the time frame outlined in the FCRA. Should you fail to comply, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory authorities. 
I look forward to your prompt response and resolution of this matter. You may contact me at the information above should you require further information. 
Sincerely, XXXX XXXX XXXX Enclosures ID Proof of Address SSC FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: WI

Complaint narrative:
Subject : Request for Correction of Inaccurate Late Payment Reporting Pursuant to XXXX XXXX XXXX ( b ) Dear XXXX Customer Service, I am writing to formally dispute an inaccurate late payment reporting on my credit report. According to XXXX XXXX. XXXXXXXX XXXX XXXX  ) of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to maintain the maximum possible accuracy of the information they report. The late payment entry associated with my account is incorrect, and I request its immediate investigation and removal to ensure compliance with federal law. 
The inaccurate reporting details are as follows : Creditor Name : XXXX XXXX XXXX Account Number ( if available ) : XXXX Reported Late Payment Date : XX/XX/XXXX, XXXXXX/XX/XXXX This incorrect reporting is causing unjust harm to my credit profile, and I demand a prompt investigation into this matter. Please verify the accuracy of this information with the creditor and provide me with documentation supporting the validity of this late payment. If you are unable to obtain verifiable proof of its accuracy, the information must be removed from my credit report immediately. 
To assist with your investigation, I have enclosed : A copy of my credit report highlighting the disputed item A copy of my identification for verification purposes Please correct this inaccurate reporting as required by law and provide written confirmation of the results of your investigation within the time frame outlined in the FCRA. Should you fail to comply, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory authorities. 
I look forward to your prompt response and resolution of this matter. You may contact me at the information above should you require further information. 
Sincerely, XXXX XXXX XXXX Enclosures ID Proof of Address SSC FTC

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