vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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:
Had money in my account but was still overdraft fee. Debits were delayed making me think I had more money than what I actually had.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-02-18 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: MI

Complaint narrative:
I have been complaining about this company for sometime now. They have remained to allow errors on my report. They never do a full investigation to properly resolve my disputes. 

They have a computer generated response letter stating account has been verified when I ask for their ( Method of verification ) they will not provide me my request. I have a right to this. 

I have many letters and also complaints with CFPB about all the violations and errors on my report. I continue to write these disputes to them. Either they -Ignore -Dont respond -Or Send a ( computer generated response Never doing a real investigation to the errors on my report. 

As these years have went by I have finally received information about the same thing I have been complaining about. 

The accounts again have been in so many violations but the lawsuits that are services about these companies I have already complained about. 

Especially removing accounts and placing them back on my report I sent and called about this many times and they did nothing. 

Accounts -Credit acceptance- reporting ( which this company was sued for how they report unknown agreements and violating FCRA laws and nothing was done. Never looked into the reporting errors. 

XXXX removed due to reporting errors and FCRA violations ( placed back after months ) XXXX- removed due to reporting and FCRA violations ( placed back on my report ) -XXXX XXXX removed due to reporting errors and FCRA violations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I urge you to promptly assist in removing the fraudulent information from my credit file. This data should have been removed already, as it is a result of fraud, yet it remains. Under FCRA Section 605, you are obligated to delete any incorrect records. I have already submitted the required supporting documentation, which I am providing once more. My attorney has been informed and is ready to take legal action if this issue is not resolved without further delay. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: MD

Complaint narrative:
Experience has continuously reported felonious and inaccurate information for several years on my credit report even after disputing it an absorbent amount of times ; just to receive results stating that the information had been verified as accurate which is incorrect. EXPERIAN allows companies that report mortgage debt, credit cards, and loans to report anything they choose to do so and are not held accountable. Now when you attempt to dispute anything that has been disputed in the past regardless of the accuracy of the information reports, you receive an error stating that it violates the FCRA which is evidence that EXPERIAN is counterintuitively and simultaneously violating the FCRA and using these same consumer laws against consumers who have reported them to the FTC for fraudulent behavior in the past! Because they are being sued by the CFPB they also removed options for specific credit reporting companies such as mortgage lenders who at one point had the options for consumers to list litigation pending on their report, as well. If this was listed before the lawsuit, this has now been removed from your report and they publicly exploit that consumers can add statements if they would like to items they have disputed on the past but this option has been removed as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally request the removal of unauthorized accounts from my credit report. After reviewing my credit file, I have noticed several accounts that I did not open or authorize. These accounts have been reported without proper validation or my consent, and I believe they were placed on my credit file in error or as a result of fraudulent activity. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have any information on my credit report that is incomplete, inaccurate, or unverifiable removed or corrected. Given that I have not been properly notified or given the opportunity to validate these accounts, I kindly ask that they be removed from my credit file promptly. 

The accounts in question are : [ Account XXXX - XXXX XXXX [ Account XXXX - XXXXXXXX XXXX I request that you conduct a thorough investigation into the legitimacy of these accounts. If they can not be properly validated or verified as belonging to me, I ask that they be removed from my credit report as soon as possible. I am a victim of identity theft and have been for some years now and I have reported these incidents to all 3 credit bureaus and they have still placed negative items on my credit report over the last 5 years with out proper proof or validation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-02-18 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: GA

Complaint narrative:
This letter is to follow up any response from you after XXXX days of investigation. As I reviewed my Credit Report I have noticed that there are still accounts that are reporting as inaccurate and incorrect information. 

Please conduct another investigation to the following information and send me the notification that the disputed accounts has been updated. 

XXXX XXXX XXXX XXXX Balance {$71000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: GA

Complaint narrative:
This letter is to follow up any response from you after XXXX days of investigation. As I reviewed my Credit Report I have noticed that there are still accounts that are reporting as inaccurate and incorrect information. 

Please conduct another investigation to the following information and send me the notification that the disputed accounts has been updated. 

XXXX XXXX XXXX XXXX Balance {$71000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: FL

Complaint narrative:
Please refer to the accounts listed on this report.My information has been compromised in the Equifax data breach. I am requesting these accounts are investigated immediately and removed from my consumer report as these accounts were not open or authorized by me. I have not received any services or communications related to them. Equifax has failed to properly investigate and validate these accounts or provide any substantial proof or methods of verification. I contacted Equifax to dispute the accounts and the supervisor hung up the phone on me and told me to submit a valid ftc report. She failed to look into my prior disputes and was extremely rude. The calls are recorded and I am prepared to exercise my rights to the fullest extent. I am entitled to a fair investigation and resolution of this negligent activity. Please take appropriate action to address this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: PA

Complaint narrative:
I am writing to formally dispute several accounts that l believe to be fraudulent and have negatively impacted my credit report. 
Below is a detailed list of the accounts in question : XXXX Account number XXXX, XXXX XXXX XXXX account number XXXX, Dept of education/XXXX account number XXXX, US Dept of EDXXXX account number XXXX , I recently reviewed my credit report and discovered several unauthorized inquiries that appear to be the result of identity theft. These inquiries are negatively impacting my credit as I am in the process of buying a home. Please remove the following accounts from my report : I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account My social security number has been compromised from the social security breach that occured in 2024 access to the XXXX XXXX XXXX XXXX. 

Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if futher information is required.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: MI

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Incorrect Address Reporting & Failure to Properly Investigate Disputes To Whom It May Concern, I am writing to formally dispute the inaccurate information on my credit report maintained by XXXX. Despite previous efforts to have these errors corrected, XXXX has failed to properly investigate and remove incorrect addresses from my file. 

My correct address : XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX. 

Incorrect addresses XXXX has reported : XXXX XXXX XXXX XXXX, MI XXXX and XXXX XXXX XXXX XXXX XXXX MI XXXX Impact : These incorrect addresses have no association with me and may be linked to accounts that are not mine, potentially resulting in inaccurate negative information on my credit report. 
This failure to properly investigate and correct my dispute is consistent with the recent lawsuit filed by the CFPB against XXXX ( Case No. XXXX ), which alleges that XXXX engages in sham investigations and fails to correct inaccurate consumer data ( XXXX XXXX XXXX ). As a credit reporting agency, XXXX is obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the maximum possible accuracy of the information it maintains and must conduct reasonable investigations of consumer disputes. 

Resolution Requested : Immediate removal of all incorrect addresses from my credit file. 
Removal of any negative accounts associated with these incorrect addresses. 
A full and proper reinvestigation of my dispute in compliance with FCRA guidelines. 
I have attached a copy of my valid ID as proof of my correct address, along with any supporting documents. I expect a written response confirming these corrections within 30 days of receiving this letter, as required by law. 

Failure to correct these inaccuracies may result in further action, including escalating my complaint to the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies. 

Please confirm receipt of this dispute and provide a response in writing. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC.

Details of Disputed Inquiries : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRAs permissible purposes requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. 

They furnished this account that we didn't agree upon, and I didn't sign an agreement on it. A legal contract is signed by XXXX parties, and I did not participate in any of it. They didn't follow the proper XXXX validation procedure, which makes this unfair. I never received a dining letter or any communication prior to this account being furnished on my credit report. 

According to the FDCPA, I'm entitled to {$1000.00} per violation and they clearly violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: TX

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 2025-02-18 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: CA

Complaint narrative:
Im filing this compliant regarding an inaccurate item on credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item as it is incorrect and does not reflect my true credit history.

Company response to consumer: Closed with explanation