vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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:
Request to Investigate and Remove Inaccurate Credit Report Items under FCRA and U.S. Consumer Laws Details of the Complaint : I, XXXX XXXX, am filing this complaint to request an investigation into the accuracy and legality of the reporting of the following accounts on my credit report. These accounts contain late payment and/or charge-off entries that are potentially inaccurate and/or unverifiable. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Buying Act ( FDBA ), and applicable U.S. codes to request a thorough review of these matters. 

The accounts in question are : 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 I believe the information reported by these creditors is inaccurate, incomplete, and/or unverifiable. I have previously disputed these entries with the credit reporting agencies but have not received adequate responses or resolution. 

Request for Resolution : Remove all late payments and/or charge-offs associated with these accounts permanently.

Provide documentation verifying the accuracy of the reported information.

Confirm compliance with FCRA, FDBA, and applicable U.S. codes in the reporting of these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Utah XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Equifax Consumer Services XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Correction of Personal Information in Credit Report To Whom It May Concern : I was reviewing my credit report and found several inaccuracies in my personal information, including addresses, name variations, and employment history. I kindly request your assistance in correcting these errors. I have attached documentation providing proof of my current address and correct name as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses currently appearing in my report that I would like to be removed : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX XXXX only correct address that should appear in my report is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Utah XXXX XXXX 

Additionally, I noticed that my name appears to be misspelled in my credit report. My name has only one correct spelling, and there should be no variations listed. To confirm the correct spelling, I have attached a copy of my photo ID. 

Here are the incorrect spellings currently listed in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I also request the removal of the following incorrect employers : XXXX XXXX XXXX XXXX  The only employer that should be listed is : XXXX XXXX XXXX XXXX. 

These inaccuracies are causing difficulties for me in maintaining an accurate credit report and moving forward with my legal processes. Therefore, I kindly request that you remove the incorrect names, addresses, and employers from my credit report and update it accordingly. 

Once the necessary corrections have been made, please send me a copy of my updated credit report for my records. 

Thank you for your prompt attention to this matter. I appreciate your assistance. 

Sincerely, XXXX XXXX XXXX XXXX Attachments : Photo ID Proof of current address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/2025 Equifax Consumer Services XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Correction of Personal Information in Credit Report To Whom It May Concern : I was reviewing my credit report and found several inaccuracies in my personal information, including addresses, name variations, and employment history. I kindly request your assistance in correcting these errors. I have attached documentation providing proof of my current address and correct name as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses currently appearing in my report that I would like to be removed : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX XXXX only correct address that should appear in my report is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX 

Additionally, I noticed that my name appears to be misspelled in my credit report. My name has only one correct spelling, and there should be no variations listed. To confirm the correct spelling, I have attached a copy of my photo ID. 

Here are the incorrect spellings currently listed in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also request the removal of the following incorrect employers : XXXX XXXX XXXX XXXX The only employer that should be listed is : XXXX XXXX XXXX XXXX. 

These inaccuracies are causing difficulties for me in maintaining an accurate credit report and moving forward with my legal processes. Therefore, I kindly request that you remove the incorrect names, addresses, and employers from my credit report and update it accordingly. 

Once the necessary corrections have been made, please send me a copy of my updated credit report for my records. 

Thank you for your prompt attention to this matter. I appreciate your assistance. 

Sincerely, XXXX XXXX XXXX XXXX Attachments : Photo ID Proof of current address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Account Managers, Inc.
State: WA

Complaint narrative:
Hi, my paycheck is being garnished by Grimm Collections after they acquired a debt from XXXX XXXX XXXX in XXXX. There are several things going on here that are wrong. First of all I believe it has been over six years. Second of all, they have been notified by my employer multiple times I am on medical leave and not working aka not receiving my full normal paycheck. They still continue to attempt to garnish my paycheck. After I have been intermittently on medical leave since XXXXXXXX XXXX XXXXXXXX. Third, they did not notify me they were going to do this. I have not received any mail or phone call correspondence from Grimm Collections. The only way I found out about this was through my employer mailing me a copy of the writ garnishment letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I am writing to formally address an issue regarding the re-insertion of a previously disputed and removed account on my credit report on. Specifically, the account in question is : Citicards CBNA, Account Number : XXXX This account was disputed and removed from my credit report following an identity theft claim. I provided the credit bureaus with all required documentation, including : FTC Identity Theft Report ( Report Number : XXXX ) Police Report Proof of Identity Recently, I noticed that this account has been reinserted on my credit report. Under Section XXXX of the Fair Credit Reporting Act ( FCRA ), it is illegal for Citibank or any furnisher of information to reinsert an account without following proper procedures. 

Specifically, the FCRA requires : Written Certification : You must provide the credit reporting agency with written certification that the information is accurate and verifiable before the account is reinserted. 
Notification to Consumer : The credit bureau must notify me within 5 business days of reinsertion, including the name, address, and phone number of the furnisher and an explanation of my rights to dispute the reinserted information. 

To date, I have not received any written notification from the credit bureaus or Citibank regarding the reinsertion of this account, nor have I been provided with documentation verifying its accuracy. This failure to follow FCRA requirements constitutes a violation of my rights as a consumer. 

Failure to comply with this demand may result in the following actions : Filing a formal complaint with the Texas Attorney Generals Office. 
Pursuing legal remedies, including statutory damages of up to {$1000.00} per violation, and any additional damages caused by your failure to comply with the FCRA. 
This accounts unauthorized reinsertion has caused significant harm, including negatively impacting my credit score and delaying my ability to secure a mortgage. I expect your immediate attention to this matter. 

Thank you for your prompt response. Please send all correspondence regarding this issue to the address listed above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am stressed and displeased that I see so many unauthorized accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX XXXX XXXX breach recently, I would think you all would take extra measures to protect my consumer report. I do not feel that my information is being protected. As an attorney, I know this is defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset! I am depending on the banking system and credit reporting agency to promote my privacy and fairness sand they have not. 15 usc 1681i ( a ) ( 1 ) ( a ) ( 5 ) ( d ) ( 6 ) ( b ) ( iii ) ( XXXX ) PLEASE NOTE This entire statue states and proves that the credit reporting agencies are not thoroughly investing the neglected and unauthorized accounts on my report. They are using automated systems to run my report and that is not effective enough when protecting my privacy. As the law states, I have the right to know how the credit reporting agencies are doing their due diligence and investigation on these damages. According to 15 US Code & 1681N ( b ), these damages need to be paid for up to {$1000.00} or as the law will allow. Ive paid many application fees for credit cards and rental just to find out that unauthorized accounts are being reported. I have wasted time and money that I can not get back. I am demanding remedy per Law. As this is my 3rd time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress and a lot of my time as of now. These companies and the credit bureaus are being sued for such damages already. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing litigation against this if these items arent removed and blocked immediately and willing to do whatever I need for justice

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am stressed and displeased that I see so many unauthorized accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXXXXXX XXXX Equifax breach recently, I would think you all would take extra measures to protect my consumer report. I do not feel that my information is being protected. As an attorney, I know this is defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset! I am depending on the banking system and credit reporting agency to promote my privacy and fairness sand they have not. 15 usc 1681i ( a ) ( 1 ) ( a ) ( 5 ) ( d ) ( 6 ) ( b ) ( iii ) ( 7 ) PLEASE NOTE This entire statue states and proves that the credit reporting agencies are not thoroughly investing the neglected and unauthorized accounts on my report. They are using automated systems to run my report and that is not effective enough when protecting my privacy. As the law states, I have the right to know how the credit reporting agencies are doing their due diligence and investigation on these damages. According to 15 US Code & 1681N ( b ), these damages need to be paid for up to {$1000.00} or as the law will allow. Ive paid many application fees for credit cards and rental just to find out that unauthorized accounts are being reported. I have wasted time and money that I can not get back. I am demanding remedy per Law. As this is my 3rd time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress and a lot of my time as of now. These companies and the credit bureaus are being sued for such damages already. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing litigation against this if these items arent removed and blocked immediately and willing to do whatever I need for justice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am unable to access my full credit report or score, only the XXXX report is available. Despite providing accurate information i dont have all the information that i should have to gain access to my report and scores. According to the Fair Credit Reporting Act ( FCRA ) is a federal that guarantees that the consumer has the right to said access to their credit reports and scores. Futhermore the Annual Credit Report website has not provided said information, due to a payment being required, whereas its advertised as being free once a year. I am requesting assistance in resolving this issue and being able to gain access to my full credit report and scores.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
On XX/XX/year>, I submitted a dispute to Experian regarding inaccuracies on my credit report. I provided all necessary documentation to verify my identity, including a copy of my government-issued ID and proof of address. On XX/XX/year>, I received an email from Experian stating they could not process my dispute because they were unable to verify my request. This response ignored the complete documentation I provided, and no investigation was conducted into the disputed items. 

Experian 's failure to properly investigate and resolve my dispute appears to be part of a broader pattern of misconduct. The CFPB 's recent XX/XX/year> lawsuit against Experian highlights that the company routinely conducts " sham investigations '' and fails to address consumer disputes in compliance with the Fair Credit Reporting Act ( FCRA ). My case aligns with these allegations, as Experian has not taken sufficient steps to investigate my dispute or resolve the inaccuracies 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 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fee I have incurred.Despite having sufficient funds when transactions were authorized, I was charged 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 requested 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 2025-01-28 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Self Financial Inc.
State: NJ

Complaint narrative:
I asked the company to confirm if I ever received any services from them, they verified that I DID NOT yet this company still falsely reported against me on all levels this is fraud. 

exactly around XX/XX/year> I created a basic profile account with SELF to help build my awful bad credit from the pandemic, fighting child custody issues and being homeless for almost 2 years... 

- I did not receive nor pay for any services and never contacted this company again after once trying to reach their customer service department with no live person and no voicemail... 

- this so call ' credit building ' company instead not only reported to both XXXX and XXXX that I actually received services but tool OUT A PERSONAL LOAN FOR AROUND {$700.00}!! 
- not knowing this was hurting me financially hurting my credit the whole entire time I started disputing this company with both XXXX and XXXX XXXX report # XXXX when I contacted the company directly twice, both times they have confirmed over the phone THAT I DO NOT OWE ANY MONEY AND HAVE NEVER USED ANY OF THEIR SERVICES so I also created a case # directly with XXXX  case # XXXX with their special department with XXXX of their reps agent, by the name of XXXX agent XXXX XXXX -I received an email confirmation of the case created but thus far have not heard back from them.

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

Complaint narrative:
I am requesting the immediate removal of the unauthorized accounts from my credit report. These accounts were not authorized by me, and I am unaware of their origins. In line with USC 1681g, please remove them within the next 15 days. Enclosed are the supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im writing because the inaccuracies on my report are causing real, measurable harm. My score is suffering, and its closing doors to opportunities that I should have access to. Its not fair to be held back by mistakes that arent even mine, and I cant keep dealing with this unnecessary stress.

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