vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: PA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX Trafficking debt XXXX, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( 4 ) XXXX -- XXXX ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, XXXX U.S.C. XXXXg ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to XXXX U.S. CXXXX XXXXg ( b ). According to, XXXX U.S. CXXXX XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, XXXX U.S CXXXX XXXXb - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-04-08 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: LA

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 non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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:
CFPB COMPLAINT LETTER VIOLATION OF FCRA BY EQUIFAX Subject : Equifax is knowingly reporting false, inaccurate, and previously disputed account information willfully violating the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern : I am filing this formal complaint against Equifax Information Services LLC for willfully violating my rights under the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate and previously disputed account information even after the data was acknowledged as incorrect and updated. 

I submitted formal disputes regarding the following accounts : 1. *Account # XXXX XXXX XXXX XXXX. *Account # XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Equifaxs own investigation results confirm that these accounts were updated following my disputes which proves the original information was inaccurate or unverifiable. Despite this, the accounts remain on my credit report, with no deletion, causing me financial harm, credit denials, and emotional distress. 

Let me be clear : Equifax does not get to quietly update false information and continue to report it as if it were accurate all along. This behavior is deceptive, unlawful, and abusive under the FCRA, specifically violating : FCRA 607 ( b ) Failure to ensure maximum possible accuracy FCRA 611 ( a ) ( 5 ) ( A ) Failure to delete or block information that can not be verified after reinvestigation FCRA 623 ( b ) ( 1 ) Willful noncompliance by the furnisher of information Equifax had a legal obligation to either fully verify the disputed information as originally reported or delete it not revise it and continue reporting it. This is textbook negligence and intentional misrepresentation. 

Resolution Demanded : I am demanding the immediate and permanent deletion of both accounts from my Equifax credit report. Furthermore, I ask the Consumer Financial Protection Bureau to launch a formal investigation into Equifaxs dispute resolution and reinvestigation practices, as they appear to be systematically violating consumer rights. 

If this issue is not resolved promptly, I will escalate to legal counsel and pursue action for damages, statutory penalties, and attorney fees under FCRA 616 and 617. 

Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-04-08 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: FL

Complaint narrative:
I am filing a complaint against Equifax and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions both Equifax and Experian responds stating account is accurate without providing any evidence of a thorough investigation. These are the accounts that I have marked as inaccurate and would like them removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-04-08 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: FL

Complaint narrative:
I have had to do mobile check deposits or sometimes I will get refunds or deposits that will show active on my account. Some funds may not be completely available at first glance but on my mobile app will show that it is there and show where money spent is being debited from that amount. Navy Federal Credit Union will send emails that my mobile check is approved, etc. and will still continue to charge me senseless overdraft fees. They have even refunded me overdraft fees they charged while holding my {$6000.00} check only to charge me them back the following day. Their excuse was that they needed to hold my check XXXX business days instead of XXXX business days due to the " large '' amount of the check. The following week I had a check for {$250.00} and they still held it for XXXX business days and charged fees so there is really no consistent flow of fees. It takes so many days for money to clear when depositing mobile checks. There are only XXXX locations in Central Florida. The only option is to do mobile deposit or direct deposits and be subject to monthly fees. They just refunded me today a {$20.00} fee just to tell me that I will not receive another fee returned in the future and that they are holding my refund that will show my account in the positive today until XX/XX/XXXX. Today is XX/XX/XXXX which means they will just charge me again tomorrow. Even if I try moving money into this account or depositing a check to clear is faster it will not work because they will hold it and I'll still be charged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: CA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.

I request the immediate removal of the following inaccurate, incomplete, or outdated information on my credit report : Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$0.00} XXXX - XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XXXX - XX/XX/XXXX - {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: CA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.

I request the immediate removal of the following inaccurate, incomplete, or outdated information on my credit report : Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$0.00} XXXX - XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XXXX - XX/XX/XXXX - {$270.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX [ Email Address ] [ Phone Number ] [ Date ] Security Credit Services XXXX XXXX XXXX XXXX, MS XXXX Subject : Cease and Desist Notification Dear Security Credit Services , I am writing to formally request that you cease and desist all communication and collection efforts regarding my account. This request is made under the authority of the following laws : 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) : This law requires financial institutions to secure and protect the privacy of consumer information. Your ongoing communications may infringe upon my privacy rights, involving the unauthorized disclosure of my personal information to third parties without my consent.

15 U.S.C. 1681b ( Fair Credit Reporting Act ) : This section specifies permissible purposes for obtaining consumer reports. I believe that your contacts may not align with the legitimate purposes as outlined by this law, given the nature of the communications I have received.

18 U.S.C. 1028A ( Aggravated Identity Theft ) : Should any part of your collection efforts involve the misuse of my personal identifying information, I perceive this as a significant legal violation. Unauthorized use of my information for financial gain is unacceptable and will result in serious legal consequences.

I demand that you immediately stop all communication with me regarding this matter. Should you fail to comply, I will have no option but to escalate this issue to the appropriate regulatory authorities and seek legal counsel to protect my rights.

I expect a written acknowledgment of the receipt of this letter, confirming that you have ceased all communications within 30 days from the date of this letter. If I do not receive such confirmation, I will assume you are in violation of the above statutes.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX [ Your Signature ( if sending a hard copy ) ] Make sure to fill in your email and phone number if you wish to provide them. It's recommended to send this letter via certified mail to ensure you have proof of delivery. 


Regenerate Response No file chosen

Company response to consumer: Closed with explanation