vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
have reached out multiple times about Account XXXX XXXX and XXXX who have been reporting since XXXX XXXX in the amount of {$48000.00} and now XXXX since XXXX in the same amount of {$48000.00}. in which they are still reporting to all three bureau 's i have in formed them of this issue many time using this information under the TheFamily Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. / 20 USC 1232g ( b No funds under anyapplicable programshall be made available to any State educational agency ( whether or not that agency is aneducational agency or institutionunder this section ) that has a policy of denying or effectively preventing, the parents ofstudentsthe right to inspect and review theeducation recordsmaintained by the State educational agency on their children who are or have been in attendance at any school of aneducational agency or institutionthat is subject to the provisions of this section. 

and the, the Fair Credit Reporting Act states 15U.S.Code1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Also, per the FCRA, as a federally protected consumer. I am now opting out of any and all authorization I the consumer may have given you written or unwritten, verbal, and non-verbal per 15 USC 6802. 
15U.S.Code6805- Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
have reached out multiple times about Account XXXX XXXX and XXXX who have been reporting since XXXX XXXX in the amount of {$48000.00} and now XXXX since XXXX in the same amount of {$48000.00}. in which they are still reporting to all three bureau 's i have in formed them of this issue many time using this information under the TheFamily Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. / 20 USC 1232g ( b No funds under anyapplicable programshall be made available to any State educational agency ( whether or not that agency is aneducational agency or institutionunder this section ) that has a policy of denying or effectively preventing, the parents ofstudentsthe right to inspect and review theeducation recordsmaintained by the State educational agency on their children who are or have been in attendance at any school of aneducational agency or institutionthat is subject to the provisions of this section. 

and the, the Fair Credit Reporting Act states 15U.S.Code1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Also, per the FCRA, as a federally protected consumer. I am now opting out of any and all authorization I the consumer may have given you written or unwritten, verbal, and non-verbal per 15 USC 6802. 
15U.S.Code6805- Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law.

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The credit bereaus tans union and XXXX does not have MFA ( multi factor authentication ) so my vital information is highly at risk because of this. They tout about security but implement sub par logins requirements and security features of regular consumers

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 2024-11-11 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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: MS

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

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 2024-11-11 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:
It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Experian Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.

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 2024-11-11 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: AZ

Complaint narrative:
I have dispute late payment and amount of my XXXX XXXX XXXX XXXX, car payment. I still see missing payments and late payments that are not accurate. Account number XXXX - XXXX is {$2800.00} and late payment from XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Current balance with XXXX XXXX XXXX XXXX is {$1500.00} in which my last payment is due XX/XX/XXXX as you can see with paying {$330.00} a month on my car will be paid off before XX/XX/XXXX. 

Missing payments form XXXX, XX/XX/XXXX, XX/XX/XXXX, I see no payment for that month. 
Need to be updated as current Amount owed is {$1500.00} not {$2800.00} ( {$1300.00} difference ) Updated my account as current and not late from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/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 non-monetary relief
Consumer complaint received 2024-11-11 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: WA

Complaint narrative:
Unauthorized overdraft fees with navy federal credit union

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-11 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Urgent Dispute : Inaccurate Date of Last Activity and Account Balance To Whom It May Concern, I am writing to formally dispute the inaccuracies regarding my credit account XXXX XXXXXXXX ( Account XXXX as reported on my credit report. Specifically, I am challenging the reported date of last activity and the balance owed, both of which show a significant incongruity that must be resolved immediately. 
Specifically, I have observed the following inconsistencies : - XXXX XXXX XXXX  Reports no date of last activity or balance owed. 
- **Experian : ** Reports the date of last activity as XX/XX/XXXX and a balanced owed of {$910.00}. 
XXXX XXXX XXXX XXXX Reports the date of last activity as XX/XX/XXXX and a balance owed of {$930.00}. 
- **Experian : ** Reports the account as OPEN - XXXX XXXX XXXX Reports the account as DEROGATORY I calculate 4 inaccuracies currently. {$1000.00} per violation We are expecting a check mailed to us in the amount of {$4000.00}. 

The date of last activity reported is inconsistent with my records and does not accurately reflect the actual transactions associated with this account. Furthermore, the balance owed is not only incorrect but also misleading. Such discrepancies reflect a failure to maintain accurate and reliable information, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

I demand that you conduct a thorough investigation of this matter and provide the following : 1. A detailed explanation of the reported date of last activity.

2. Verification of the current balance and a breakdown of how this figure was calculated. 



As a result of these violations, I am entitled to seek damage as specified under the FCRA. Therefore, I hereby demand compensation of {$1000.00} for each violation committed. This claim is made in accordance with 15 U.S.C. 1681n, which allows consumers to seek statutory damages for willful noncompliance with the FCRA. 

Your immediate attention to correcting these inaccuracies is not only expected but required. I will be monitoring your response closely and will take further action if necessary. 



Sincerely, 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 2024-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/year>, an unauthorized hard inquiry was placed on my TransUnion credit report by XXXX XXXX XXXX. I currently only have one authorized credit card account with XXXX XXXX, which is correctly reflected on my report, and I have not applied for any additional credit or authorized this inquiry. 

I attempted to address this issue directly with TransUnion but have not received a satisfactory resolution. This unauthorized inquiry is impacting my credit score, and I am requesting its removal. 

Thank you for your assistance in addressing 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 explanation
Consumer complaint received 2024-11-11 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: LEXISNEXIS
State: GA

Complaint narrative:
I spoke to XXXX XXXX at the bankruptcy lift and she advised me that they do not report bankruptcies. They sent me a letter to verify this Information, lexis nexis and XXXX XXXX houses this information and have to Remove it immediately. The XXXX  years has elapsed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I learned recently that Navy Federal has been illegally charging overdraft fees. I wanted to see if I was one of the people who were wrongfully being overdraft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: TX

Complaint narrative:
I am reaching out to dispute the inaccurate reporting of my late payment history on my credit report. My report currently reflects late payments for an account where I maintained timely payments, resulting in a misleading credit profile and unjustified harm to my credit score.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are obligated to ensure all information reported is accurate. The incorrect late payment history is a direct violation of this standard.

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 2024-11-11 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: TX

Complaint narrative:
I am reaching out to dispute the inaccurate reporting of my late payment history on my credit report. My report currently reflects late payments for an account where I maintained timely payments, resulting in a misleading credit profile and unjustified harm to my credit score.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are obligated to ensure all information reported is accurate. The incorrect late payment history is a direct violation of this standard.

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 2024-11-11 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: IL

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: NC

Complaint narrative:
I have been with Navy Federal since XXXX since that time they have charged me for overdraft fees even before I add OOPs, charged would go through for XXXX, random subscriptions. Since then they have closed my account and I started a new one and have been charged multiple overdraft fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: VA

Complaint narrative:
Between XX/XX/XXXX to XX/XX/XXXX navy federal has charged both checking account for oops over drafting of {$20.00} each over {$2000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation