vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: AZ

Complaint narrative:
I am filing a formal complaint against Equifax for failing to investigate and verify the alleged debt collection reported by XXXX XXXX XXXX and for inaccurately reporting this account on my credit report. Despite my dispute, Equifax has continued to report this debt as a collection, making critical errors in the process and violating the Fair Credit Reporting Act ( FCRA ). 
Under 15 U.S.C. 1681i ( a ) of the FCRA, credit bureaus like Equifax are required to conduct a reasonable investigation when a dispute is filed and to correct or delete inaccurate information. Equifax has failed to meet these obligations, infringing on my rights under the FCRA. 
Account Not Initially Reported : In XX/XX/XXXX, my Equifax credit report did not show any collection account from XXXX XXXX XXXX. However, a year later, I was surprised to see this collection account added to my report, despite having never been contacted by XXXX XXXX XXXX. 
After conducting my own investigation I was able to locate this alleged account. 
In XXXX. I contracted Freedom debt relief to assist with settling an account with LendingPoint.The agreed-upon settlement amount that Freedom Debt Relief negotiated with LendingPoint was {$12000.00}, Which was confirmed and agreed upon by both Parties. All payments were made and the debt was paid in full in XXXX. 
I have attached a document and statement as a proof. Despite the settlement agreement and full payment, XXXX XXXX XXXX which I have no contract with and never attempted to contact me before, theyt waited XXXX years and falsely reported a collection on my credit for the same settled account. They falsely reported that I owe {$26000.00} a significantly higher amount than the settlement agreement. 
This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verified information be reported to the credit bureaus. 
They falsely reported to Equifax by manipulating the dates for this account. 
A separate complaint against the collection agency XXXX XXXX XXXX will be filed for failure to validate this alleged debt as required by the FDCPA and for False Representation of debt amount ( Violation of the Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692e ( 2 ) ( A ) Errors in Equifaxs reporting shows the account in question lacks a last payment date and date of first delinquency, further indicating Equifaxs failure to properly investigate or verify the account.

Misclassification of Creditor Category : The account was misclassified under the wrong creditor category, which creates further confusion and inconsistency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NY

Complaint narrative:
On all the credit reporting sites Experian, XXXX, and XXXX have reported false and unlawful information about my personal life. We have been damaged by this and drives from our right. 18 USC 241, 242 requires a payment of {$250000.00} to be made to me upon the infringement of my rights.

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 2025-01-27 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states s consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I'm XXXX unable to work for the rest of my life because of XXXX XXXX  That has left me with XXXX surgeries to my XXXX XXXX XXXX from XXXX .I 've gotten all my documents from my XXXXXXXX  and send them to all included parties : Department of education/as well as credit report agencies

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 2025-01-27 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: MI

Complaint narrative:
I'm XXXX unable to work for the rest of my life because of XXXX XXXX  That has left me with XXXX surgeries to my XXXX XXXX XXXX from XXXX .I 've gotten all my documents from my XXXX and send them to all included parties : Department of education/as well as credit report agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: SC

Complaint narrative:
I reviewed my consumer reports and noticed that I had tow late payments on an account that I was never late for consumer reporting agencies have assumed a vital role and have a responsibillity to report consumer information to the best of their abillity whit maximun accuracy. I have never been late on payments fot the account : XXXX XXXXXXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be uptated to on time as they should be as I was never late. 
Thanks

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 2025-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Recovery Management
State: FL

Complaint narrative:
That was sold to another party and re-inserted into my credit without a 1099C or without notifying me that they were reinserting into my credit 15usc1681i ( a ) 6 ( b ) 3 15usc 1681i ( a ) ( 5 ) b 15usc 1681i ( a ) 1

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TN

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 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, XXXX '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. 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. These are the accounts ya that are inaccurate XXXX XXXX XXXX Opened XX/XX/XXXX {$55.00} XXXX XXXX Opened XX/XX/XXXX {$330.00} XXXX XXXX XXXX  Opened XX/XX/XXXX {$1100.00} XXXX XXXXXXXX Opened XX/XX/XXXX 2024

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 2025-01-27 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: TN

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 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, XXXX '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. 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. These are the accounts ya that are inaccurate XXXX XXXX XXXX Opened XX/XX/XXXX {$55.00} XXXX XXXX Opened XX/XX/XXXX {$330.00} XXXX XXXX XXXX  Opened XX/XX/XXXX {$1100.00} XXXX XXXXXXXX Opened XX/XX/XXXX 2024

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 2025-01-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
This debt is incorrect. The car was returned to company after being found after reported stolen. The insurance company coveted all losses. Santander was then sued for falsifying customers loan papers to get them approved with higher interest rates and higher payments to purchase vehicles. This car resulted in a profit write off and loss. But Santander still has this account showing open and late payments of the in correct amounts and I don't have the car. They received their car back and resold it. Santander is still attempting to do fraudulent activities even after being in a class action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: GA

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 non-monetary relief
Consumer complaint received 2025-01-27 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: NV

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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 non-monetary relief
Consumer complaint received 2025-01-27 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: NV

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-01-27 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: DE

Complaint narrative:
The ongoing errors on my report are not only frustratingtheyre outright harmful. My score is being dragged down by information that is either incorrect or cant be verified, and its costing me opportunities Ive worked so hard to earn. It feels incredibly unfair that XXXX being punished because of these mistakes.

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 2025-01-27 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: MI

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 postings 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 transactions are unfair and request requested 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 2025-01-27 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 a victim of Equifax data breach and Identity Theft. Kindly block and delete the account within XXXX business days as required by FCRA 605B, 15 USC 1681c-2. Please see the attached FTC reports and other relevant documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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:
Unauthorized/unverified accounts and inquiries on my credit 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 non-monetary relief
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
Unauthorized/unverified accounts and inquiries on my credit 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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I 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 non-monetary relief
Consumer complaint received 2025-01-27 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: IL

Complaint narrative:
Equifax 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 amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. 
CONFIRMATION # XXXX XX/XX/year> 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
I DEMAND THAT THESE HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Apparently account was charged off and re-inserted back into my credit without me knowing and has not provided a 1099C for me to file 15usc1681i ( a ) 1 15usc1681i ( a ) 6 ( b ) 3 15usc1681i ( a ) ( 5 ) b Also involved in a data breach

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 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: NV

Complaint narrative:
[ Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX ] Subject : Dispute of Fraudulent Activity on Discover Credit Card Account Dear Sir/Madam, I am writing to dispute fraudulent activities on my Discover credit card account that was opened on XXXX XXXX XXXX with a balance of {$1200.00}. I am a victim of identity theft and abuse, as well as caregiver fraud during a vulnerable time when I was recovering from a XXXX XXXX XXXX in the hospital and receiving home care. 

During this period, the caregiver who had access to my personal information, including my phone, social security number, and other sensitive details, misused my data to open a credit card account with Discover without my consent. The unauthorized transactions made on the account are not reflective of my actions or financial decisions. 

I hereby request your assistance in investigating this matter and taking necessary steps to rectify the fraudulent activities on the Discover credit card account associated with my name. I urge you to prioritize this dispute as it has caused significant distress and financial harm. 

Enclosed with this letter, please find supporting documents, including copies of my identification, proof of residency, and any other information that may help in resolving this issue efficiently. 

I request no credit reporting during this investigation period and delete account from credit reporting agencies during investigation and close account I would appreciate your prompt attention to this matter and request your support in restoring my credit and financial standing. Please do not hesitate to contact me. 
Thank you for your understanding and cooperation in this challenging situation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation