vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: FISERV FINXACT CORE
State: MA

Complaint narrative:
I have exausted every avenue possible in obtaining my report and data that TELECHECK is providing and selling.Every Online, mail and phone requests were all denied telling me that they can not verify my info ( even when i provided documention via mail ) Im done with this company and there tactics. they will sell it to anyone in the world but deny me saying i cant be verified. Thats fine! I am sending the a good faith demand letter then filing suite when thats ignored. I will not waste another minute other than obtaing the free council and representation provided to me through the VA for being a XXXX XXXX XXXXXXXX vet. I am on a mission now. Send it or dont send it. Doesnt matter anymore because we will let the judge decide.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
XXXX XXXX, XXXX Account Name NATIONAL CREDIT ADJUST NATIONAL CREDIT ADJU Account Number XXXX Account Type Factoring company Credit Type Open Account Responsibility Individual Date Opened XXXX Date Closed Current Balance XXXX Past Due XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am submitting this dispute regarding the remaining unauthorized hard inquiries still present on my credit report, despite my initial dispute last month. While I appreciate that many of the disputed inquiries have already been removed, there are still some that remain ( XXXX  XXXX ). This hard inquiry was not authorized by me and were reported without my written consent, violating my rights under the Fair Credit Reporting Act. Under 15 USC 1681b, credit reporting agencies are required to ensure that all reported inquiries are made with a permissible purpose. Since I did not provide any written authorization for these inquiries, their continued presence is a clear violation of this requirement. Additionally, under 15 USC 1681e ( b ), Equifax is obligated to ensure maximum possible accuracy in the reporting of credit information. The failure to remove this hard unauthorized inquiry despite my prior dispute demonstrates a lack of diligence in meeting this legal standard. Furthermore, under 15 USC 1681n, Equifax may be subject to liability for statutory damages due to willful noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute a charged-off account that has been reported on my credit file by XXXX XXXX XXXX. This account, which is reported as charged off in the amount of {$4500.00}, dates back to XX/XX/XXXX. I filed a report with the National Credit Union Administration ( NCUA ) on or about XX/XX/XXXX, under Case Number XXXX regarding this account. 

Following this, I received a call from XXXX XXXX of XXXX XXXX XXXX on XX/XX/XXXX, requesting that I return his call regarding the investigation. Upon doing so, I was informed that this account had been sent to a collections agency called XXXX, XXXX, XXXX, & XXXX. I was provided with their contact details and contacted the agency. When I reached out to XXXX, XXXX, XXXX, & XXXX, I was advised that the balance owed is {$3000.00}, which is significantly lower than the amount XXXX XXXX XXXX has reported for the past XXXX years. 

This discrepancy further highlights the inaccuracies associated with this account. The representatives from XXXX, XXXX, XXXX, & XXXX assured me they would follow up with XXXX XXXX XXXX regarding this issue next week. However, given that I have been disputing this account for the past XXXX years for inaccuracies, and it has continuously been marked as " verified '' despite the discrepancies, it is clear that proper steps were not taken to ensure the accuracy of this account on my credit report. 

I would like to bring to your attention that Experian, XXXX, and XXXX has repeatedly reported this account as verified despite my ongoing disputes, which is in direct violation of proper credit reporting standards. Recently, Experian has been sued by the Consumer Financial Protection Bureau ( CFPB ) for failing to properly verify credit accounts, further validating my concerns regarding this case. 

As a result of these ongoing inaccuracies, I am formally demanding that this charged-off account be removed from my credit report in its entirety. Given the significant discrepancies between the balance reported by XXXX XXXX XXXX and the collections agency, along with the repeated failures to accurately verify this information, it is clear that this account can not be considered valid in its current form. 

I request that you take immediate action to remove this account from my credit file and provide me with written confirmation once this has been done. 

Thank you for your prompt attention to this matter. I look forward to your swift response and resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: NY

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute a charged-off account that has been reported on my credit file by XXXX XXXX XXXX. This account, which is reported as charged off in the amount of {$4500.00}, dates back to XX/XX/XXXX. I filed a report with the National Credit Union Administration ( NCUA ) on or about XX/XX/XXXX, under Case Number XXXX regarding this account. 

Following this, I received a call from XXXX XXXX of XXXX XXXX XXXX on XX/XX/XXXX, requesting that I return his call regarding the investigation. Upon doing so, I was informed that this account had been sent to a collections agency called XXXX, XXXX, XXXX, & XXXX. I was provided with their contact details and contacted the agency. When I reached out to XXXX, XXXX, XXXX, & XXXX, I was advised that the balance owed is {$3000.00}, which is significantly lower than the amount XXXX XXXX XXXX has reported for the past XXXX years. 

This discrepancy further highlights the inaccuracies associated with this account. The representatives from XXXX, XXXX, XXXX, & XXXX assured me they would follow up with XXXX XXXX XXXX regarding this issue next week. However, given that I have been disputing this account for the past XXXX years for inaccuracies, and it has continuously been marked as " verified '' despite the discrepancies, it is clear that proper steps were not taken to ensure the accuracy of this account on my credit report. 

I would like to bring to your attention that Experian, XXXX, and XXXX has repeatedly reported this account as verified despite my ongoing disputes, which is in direct violation of proper credit reporting standards. Recently, Experian has been sued by the Consumer Financial Protection Bureau ( CFPB ) for failing to properly verify credit accounts, further validating my concerns regarding this case. 

As a result of these ongoing inaccuracies, I am formally demanding that this charged-off account be removed from my credit report in its entirety. Given the significant discrepancies between the balance reported by XXXX XXXX XXXX and the collections agency, along with the repeated failures to accurately verify this information, it is clear that this account can not be considered valid in its current form. 

I request that you take immediate action to remove this account from my credit file and provide me with written confirmation once this has been done. 

Thank you for your prompt attention to this matter. I look forward to your swift response and resolution. 

Sincerely, 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 2025-02-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have submitted various complaints and request for deletion of various accounts on my credit profile as well as updated information and they have failed to complete the accurate reporting on my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: PA

Complaint narrative:
I have submitted various complaints and request for deletion of various accounts on my credit profile as well as updated information and they have failed to complete the accurate reporting on my profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: OH

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 non-monetary relief
Consumer complaint received 2025-02-07 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: OH

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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:
Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$890.00} I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention 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 2025-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I received a text message on XX/XX/year> early in the morning that a personal loan for {$8000.00} had been approved. I noticed the text at about XXXX and immediately called the bank because I HAD NOT applied for a loan. I told the agent to cancel the loan and was told it had already been funded. I said I would send the check back to the bank, and was told the money would be directly deposited in my account which happened before XXXX that same day. I was transferred to the fraud department and an investigation was started. On Tuesday XX/XX/year>, I called to find out any progress and was told the investigation is still in progress. The agent asked my permission to pay the first payment explaining that any amounts paid including interest would be refunded should the loan be determined to be fraudulent. I absolutely refused and was transferred to a XXXX. He told me the same thing, and I again refused. I did not request a loan, didn't digital sign any documents, and will not pay any portion of a loan I did not request. I have heard nothing else from USAA. They did inform me the loan application was completed online. However, they have not informed me the IP address of origination, dates nor times, nor explained how my account PIN ( not debit PIN ) had been accessed. I need help finding out what USAA is doing about this and especially how a loan was approved without any phone contact to me beforehand. With two-authentication identification, this should not happen. Except that USAA provides a third option ( besides phone or email ) by getting a code from the mobile app. USAA 's biometric option ( finger print identification ) for the app is not working and has not worked for over a month. So, using the PIN, a hacker can hack the phone, have access to the mobile app, get a code, and have access to MY account WITHOUT me being notified. I am convinced this is an inside stunt perpetrated by a USAA employee.

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 monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: AZ

Complaint narrative:
After many calls and hassle, I finally got my account unrestricted ( this is the second time I've done this ). I then tried to transfer my balance ( nearly $ XXXX ) out of this account to a previously established account since the inception of the SoFi account. Now, they flagged it again as restricted. It's like a one-way feedonly money goes into SoFi and never comes out. I'm so sick of these people. They've held my money hostage for over 30 days at this point. I've wasted dozens of hours on them. The interest on their stupid savings account is 1000 % not worth it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I entered an dispute on information on my trans union credit report and was told that no investigation was needed and the false info was correct and due to the data breach at the credit bureau and my sensitive information leaked I would like to have my report to have the correct information reported

Company response to consumer: Closed with non-monetary relief