vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. Additionally, I request the removal of all unauthorized inquiries related to this identity theft. Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. l expect written confirmation by XXXX BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action to this issue.

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 2025-01-22 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: TN

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX XXXX XXXX XXXX XXXX XXXX. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  Dispute Department Subject : Fromal Dispute of Inaccurate Information on Credit Report To Whom It May Concern : I am writing to formally dispute inaccurate information appearing on my credit report maintaining by XXXX. Despite my previous attempts to resolve this matter, your failure to properly investigate and address these inaccuracies demonstrates a clear violation of your obligations under the Fair Credit Reporting Act ( FCRA ). 

The following items on my report are inaccurate or unverifiable XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.Resurgent/LVNV Funding XXXX These accounts are either factually incorrect, incomplete, or unverifiable as required by law. Under Section 611 ( a ) of the FCRA, you are obligate to conduct a reasonable and through investigation into these disputes. 

It is particularly troubling that XXXX is currently under scrutiny by the Consumer Financial Protection Bureau ( CFPB ) for failing to conduct proper investigation into consumer dispute. This systemic noncompliance underscores my concerns about the integrity of your investigative processes and makes your prompt and thorough action in this case even more critical. 

I demand that you take the following actions within the 30-day timeframe required by law : 1. Provide me with documentation proving the accuracy and validity of the disputed accounts.

2. Supply a detailed summary of your investigation.

3. Correct or delete any information that can not be verified as accurate. 

Please be advised that failure to comply with these requirements will leave me with no choice to escalate this matter further, including filing additional complaints with the CFPB and seeking legal remedies. 

I expect a written response to this dispute withing the statutory 30-day period. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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:
In accordance with THE FAIR CREDIT REPORTING ACT ( FCRA ) This creditor XXXX XXXX XXXX account # ( CLAGUK ) has violated my rights under XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have the right to privacy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  also States that a consumer reporting Agengy can not furnish an account without my written instructions under XXXX XXXX XXXX XXXX a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: TX

Complaint narrative:
In accordance with THE FAIR CREDIT REPORTING ACT ( FCRA ) This creditor XXXX XXXX XXXX account # ( XXXX  ) has violated my rights under 15 U.S. Code 1681 Section 602 states, I have the right to privacy ,15 U.S. Code 1681 Section 604a Section 2 also States that a consumer reporting Agengy can not furnish an account without my written instructions under 15 U.S Code 1666b a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX {$200.00} Company said there's nothing we can do to retrieve your funds of it was sent in error to a wrong party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: 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 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 non-monetary relief
Consumer complaint received 2025-01-22 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: WI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-22 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: WI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-22 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: NY

Complaint narrative:
After reviewing my credit report I have noted that someone has used my identity to obtain credit from various creditors and wireless companies. it appears that my identity has been compromise and as a results I have become a victim of of identity theft. I have submitted a report with FTC to alert all reporting credit bureaus regarding the issues I am expecting a prompt resolution from the credit bureaus to remove these fraudulent accounts from my credit profile. 

Thank you

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 2025-01-22 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: IL

Complaint narrative:
XXXX has a few accounts on my report that are incorrect that I have tried to have corrected because of several data breaches I have letters for and won't remove the information. 
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 XXXXXXXX closed account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: IL

Complaint narrative:
XXXX has a few accounts on my report that are incorrect that I have tried to have corrected because of several data breaches I have letters for and won't remove the information. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX closed account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the lawsuit. Despise using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost was impossible n tracking these transactions was infeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Data breached info from Equifax and I received credit fraud emails, however nothing was done. I have collection accounts from an XXXX XXXX  I've never used before.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: MD

Complaint narrative:
I have noticed multiple billing errors under 15 U.S. Code 1666 ( b ) related to incorrect late payment marks and failure to properly reflect payments and credits on my credit report. Despite my prior communication requesting proof from the creditor that these late marks are legally verified and investigated, I have not received any response. Specifically, the creditor has failed to provide solid proof that payments were not made on time, and I believe there are errors in how my payments were recorded. The creditor did not notify me 21 days before the due date with an accurate statement, which would exempt me from any late payments under the law. As such, I am requesting that the items be updated to 'Paid as Agreed ' or deletedimmediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing this because Navy Federal has charged me a lot of insufficient and overdraft fees due to the institution delay on withdrawals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
I am writing in response to the previous communication regarding the inaccurate information on my ChexSystems record. They failed to address the substance of my dispute and the supporting evidence I provided. To reiterate, the adverse information in my record stems from fraudulent activity that occurred when my phone was lost in 2022, as documented in the enclosed police report ( XXXX XXXX. XXXX, issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The fraudulent activity was flagged, the funds were never deposited, and I was not involved in or responsible for the incident. 
The continued presence of this inaccurate information on my ChexSystems record is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to maintain only accurate, fair, and verifiable information. This situation has caused significant harm to my financial reputation and access to essential banking services.

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 2025-01-22 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: MO

Complaint narrative:
Experian 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 Experian, 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 Experian has neither corrected nor removed disputed items dispute 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 Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
upon checking my credit reports from all three major bureaus i noticed a public record was being reported on my file.i have contacted the furnisher they have told me i mean rather wrote me a letter stating that they arent the ones furnishing this information to XXXX XXXX XXXX XXXX.i have included the letter head from the court house stating that they have no jurisdiction over credit reporting agencies and does not report to any of the agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
upon checking my credit reports from all three major bureaus i noticed a public record was being reported on my file.i have contacted the furnisher they have told me i mean rather wrote me a letter stating that they arent the ones furnishing this information to XXXX XXXX XXXX XXXX.i have included the letter head from the court house stating that they have no jurisdiction over credit reporting agencies and does not report to any of the 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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Equifax XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Subject : Failure to Comply with Identity Theft Dispute Request for Immediate Action Dear Sir/Madam, I am writing to formally notify you of Equifax 's failure to comply with my identity theft dispute and to request immediate resolution. I submitted my identity theft report to Equifax on XX/XX/year>, disputing an inaccurate XXXX XXXX XXXX XXXX account listed on my credit report. Despite providing all necessary documentation, including a copy of my identity theft report as requested in your correspondence, this account has not been blocked or removed. 
Additionally, I want to emphasize that my legal name is XXXX XXXX XXXX, as stated on my drivers license. However, my credit report includes inaccurate names such as XXXX XXXX and, which is not listed on my identification. This misrepresentation further supports my dispute regarding the accuracy of the information in my credit file. 
Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to : Investigate disputed accounts promptly upon receipt of sufficient evidence. 
Block inaccurate or fraudulent information from credit reports when evidence of identity theft is provided. 
My identity theft report and dispute meet all legal requirements, yet Equifax continues to fail in fulfilling its obligations. Additionally, I requested that Equifax provide original signed documents proving the XXXX XXXX XXXX XXXX account belongs to me. To date, no such documentation has been provided, further indicating the inaccuracy of this information. 
Equifax 's refusal to block the fraudulent information and lack of proper investigation is not only a violation of the FCRA but also undermines my consumer rights. 
Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Pursuing legal remedies as allowed under federal law for noncompliance with the FCRA. 
I request that Equifax take the following actions within XXXX business days : Immediately block the disputed XXXX XXXX XXXX XXXX  account from my credit report. 
Remove all inaccurate name variations, including XXXX XXXX from my credit file and mailing address. 
Provide a written explanation detailing the steps taken to resolve this dispute. 
Confirm in writing that the fraudulent account has been removed. 
Please consider this letter a formal demand for compliance. Failure to address this matter will result in further action. I am uploading copies of all documents CFPB and FTC for your review. 
Thank you for your immediate attention to this matter. I look forward to your prompt resolution. 
Sincerely,

Company response to consumer: Closed with non-monetary relief