vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX alance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$960.00} XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX  XXXX XXXX Balance : {$340.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} 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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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 am writing to formally dispute the accounts and inquiries listed on my consumer credit report, as referenced below. These entries appear to be the result of a data breach or fraud, and I am requesting a thorough investigation into their legitimacy. Furthermore, I demand verifiable proof, including documentation bearing my signature or electronic signature, to validate these actions. 

This letter is being sent directly by me, not through a third party, and I ask that you carefully review the information provided. I did not authorize the actions reflected in my credit report, and their presence constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 605B : Blocking information resulting from identity theft or fraud [ 15 U.S.C. 1681c-2 ].

Section 604 : Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 
After contacting the companies involved, I confirmed that these actions were initiated without proper validation or original proof. The accounts and inquiries in question are factually inaccurate and unauthorized. These entries are the result of either a data breach or the improper reporting of my consumer information by creditors or third-party data furnishers. 

I respectfully request that you take immediate action to investigate these matters and promptly remove the unauthorized entries from my credit report. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe required by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: GA

Complaint narrative:
I am writing to dispute the inaccurate reporting of the XXXX XXXXXXXX XXXX XXXX account on my Equifax credit report, which was last reported on XX/XX/year>. This account has already been investigated, but the information remains inconsistent with both XXXX XXXX compliance standards and my rights under the Fair Credit Reporting Act ( FCRA ). 

Basis for Dispute : XXXX. Inaccurate Payment and Closure Dates : XXXX confirms this account as " Paid, Closed '' in XX/XX/year>. However, Equifax lists the account with a last payment on XX/XX/year>, and still reports it as " Closed '' but retains conflicting historical data. 

This inconsistency violates FCRA 623 ( a ) ( 1 ), which requires furnisher to report accurate information. 



XXXX. Prior Investigation Results : This account was previously disputed, but Equifax failed to correct or delete the information despite the apparent inaccuracies. As per FCRA 611 ( a ), I have the right to a reinvestigation when the initial outcome does not resolve the issue. 



XXXX. XXXX XXXX Compliance Violations : Reporting the account with conflicting data regarding payment history and closure violates XXXX XXXX guidelines, which require uniform and accurate reporting across all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: OH

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 non-monetary relief
Consumer complaint received 2025-01-13 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: MD

Complaint narrative:
I have sent multiple complaints through CFPB and FTC but I don't see why these inquiries, which I didn't authorize are still on my credit report when I have done my part. I've checked this and reached out to the creditors that I am not aware of and have no knowledge of this.

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 2025-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I am writing to formally dispute a fraudulent hard inquiry on my credit report initiated by XXXX Nissan on XX/XX/year>. I did not authorize this inquiry or provide consent for XXXX Nissan to pull my credit. 

On the mentioned date, I visited XXXX Nissan to inquire about vehicle options, but I made it clear that I was not ready to proceed with financing or any transactions that required a credit check. Despite this, they performed a hard inquiry on my credit without my permission. This has negatively impacted my credit score and caused undue distress. 

I request the CFPB to investigate this matter and take appropriate action against XXXX Nissan for their unauthorized activity. Additionally, I ask for assistance in having this inquiry removed from my credit report. 

I have attached any relevant documentation, including my credit report showing the unauthorized inquiry. Please let me know if you need further information or evidence to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: PA

Complaint narrative:
This Collection Was charges off and closed 7years ago. Another agency put it back on my report, is harassing me with numerous phone calls, emails and doesnt want to give me a debt Validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: CA

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} - Chargeoff XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$600.00} - Chargeoff XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} -late/closed XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX late/Open XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$640.00} - Collection XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$260.00} - Collection XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: Shellpoint Partners, LLC
State: MI

Complaint narrative:
when I submit a dispute to the credit bureau 's stating I am no longer responsible for the loan or mortgage, about a week later I get a notification saying my dispute has been DENIED. now is this the credit bureau or is this Shellpoint mortgage, this has been ongoing and I am fed up with these antics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I called about the account on my report that didnt have the right information/status, they didnt not properly investigate. All accounts was updated with information I didnt not provide.

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 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I am writing to formally dispute fraudulent transactions that appeared on my account at the end of XX/XX/year>. These transactions were not authorized by me or my authorized user, who has been incapacitated due to a medical emergency. 

To provide context, my authorized user has been XXXX since XX/XX/year>XXXX  due to a XXXX  XXXX and was undergoing treatment during the time these transactions occurred. She did not perform these transactions, and her Navy Federal card, which is linked to my account, as well as other cards ( including XXXX XXXX XXXXXXXX ), were reported missing during this period. 

Here are the details of the fraudulent transactions : XX/XX/year>XXXX  : XXXX XXXX XXXX - {$1700.00} XX/XX/year> : XXXX XXXX - {$11.00} XX/XX/year>XXXX  : XXXX - {$99.00} XX/XX/year>XXXX  : XXXX XXXX - {$590.00} I immediately contacted Navy Federal to report these fraudulent transactions and requested they cancel the charges. However, my claim was denied without sufficient explanation. On XX/XX/year>, I followed up to request proof validating the transactions, such as receipts, security footage, or any evidence gathered during their investigation. To date, I have not received any substantive response, and the responses I have received appear automated and unhelpful. I must stress that these are fraudulent charges, not disputed transactions, and I can not be held liable for charges I did not authorize. I have evidence of my authorized users XXXX  during this period and am prepared to provide additional documentation if necessary. I request your assistance in investigating this matter thoroughly and providing me with clarity regarding these transactions. If required, I am ready to involve law enforcement to resolve this issue, as I can not accept responsibility for fraudulent charges.Please let me know if you require further information or documentation to support your investigation. I look forward to a prompt resolution of this matter. 

Thank you for your attention.

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 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
ABILITY RECOVERY SERVICES IS REPORTING A DEBT THAT IS INACCURATE, NOT VERYFIED OR VALIDATED AND IS A VIOLATION OF THE FCRA AND THE FDCPA. I AM REQUESTING THAT THIS ITEM BE DELETED WITHIN 7 DAYS OR I WILL BE SEEKING REMEDY FOR DAMAGES UNDER THE FCRA AND THE FDCPA FOR UP TO {$1000.00} PER VIOLATION AND FOR EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT. ( DO NOT TRY TO STATE OR EXPALIN IF YOU ARE CONTRACTED OR HIRED TO COLLECT A DEBT ON BEHALF OF ANOTHER COMPANY.DELETE THIS ACCOUNT, OR I WILL IMMEDIATELY BE SEEKING FOR DAMAGES FROM ABILTY RECOVERY SERVICES BECAUSE YOU ARE THE COMPANY REPORTING THE ACCOUNT TO THE CREDIT BUREAUS. I WILL BE SENDING MY INTENT LETTER.

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 2025-01-13 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: GA

Complaint narrative:
I am filing this complaint as a victim of identity theft and as part of the XXXX data breach, where my personal information was compromised and fraudulently used. Despite notifying Experian and providing all required documentation to dispute fraudulent accounts, inquiries, and inaccuracies on my credit report, Experian has failed to comply with federal laws and my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

Violations by Experian 1. Failure to Block and Delete Fraudulent Information ( FCRA, 15 USC 1681c-2 ( a ) ) : Under this provision, Experian is required to block and permanently delete any fraudulent or inaccurate information from a consumers credit file within four business days of receiving proper documentation. I submitted all necessary proof, including an identity theft affidavit, government-issued identification, and a police report. However, Experian has failed to remove several unauthorized accounts and inquiries from my report, including : XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX  ( Account # XXXX ) 2. Reinsertion of Deleted Information Without Proper Notification ( FCRA, 15 USC 1681i ( a ) ( 5 ) ( B ) ) : Experian has reinserted previously deleted accounts without providing the legally required notice. This reinsertion not only violates the FCRA but also exacerbates the harm caused by the original inaccuracies. 

3. Failure to Conduct Reasonable Investigations ( FCRA, 15 USC 1681i ( a ) ) : Experian has repeatedly failed to conduct reasonable investigations into my disputes. Despite receiving detailed documentation proving my identity and the fraudulent nature of the disputed accounts, Experian continues to report the same inaccurate information. 

4. Noncompliance with CFPB Directives : The Consumer Financial Protection Bureau ( CFPB ) recently sued Experian for its systemic violations of consumer protection laws, including failure to notify consumers when reinserting deleted information. My experience mirrors the violations detailed in the CFPBs case, further demonstrating Experians ongoing disregard for consumer rights. 

Impact of Experians Actions Experians noncompliance with federal laws has caused significant harm to my financial standing, creditworthiness, and emotional well-being. The presence of inaccurate information has led to unfair treatment from creditors, increased financial stress, and unnecessary delays in resolving my disputes.

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 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I am being contacted by Caine & Weiner regarding a debt that I do not recognize. I have not received any information about the debt, such as the original creditor, the amount, or any proof that the debt is valid. I am requesting that they provide full verification of the debt, including supporting documentation. If they can not provide this information, I ask that they cease all collection efforts and correct any reports made to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: MN

Complaint narrative:
I am writing to formally dispute the accounts and inquiries listed on my consumer credit report, as referenced below. These entries appear to be the result of a data breach or fraud, and I am requesting a thorough investigation into their legitimacy. Furthermore, I demand verifiable proof, including my signature or electronic signature, to substantiate these actions. 

This letter is being sent directly by me, not through a third party, and I ask that you carefully review the information provided. I did not authorize the actions reflected in my credit report. Their presence constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 605B : Blocking information resulting from identity theft or fraud [ 15 U.S.C. 1681c-2 ], and Section 604 : Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 
After contacting the companies involved, I confirmed that these actions were initiated without compliant validation or original proof. The accounts and inquiries in question are factually inaccurate and unauthorized. These entries are the result of either a data breach or improper reporting of my consumer information by creditors or third-party data furnishers. 

I respectfully request that you take immediate action to investigate these matters and remove the unauthorized entries from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response within the required timeframe as outlined by the FCRA.

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 2025-01-13 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: MI

Complaint narrative:
when I submit a dispute to the credit bureau 's stating I am no longer responsible for the loan or mortgage, about a week later I get a notification saying my dispute has been DENIED. now is this the credit bureau or is this XXXX XXXX, this has been ongoing and I am fed up with these antics.

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 2025-01-13 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: MI

Complaint narrative:
when I submit a dispute to the credit bureau 's stating I am no longer responsible for the loan or mortgage, about a week later I get a notification saying my dispute has been DENIED. now is this the credit bureau or is this XXXX XXXX, this has been ongoing and I am fed up with these antics.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA
State: TX

Complaint narrative:
I am writing to dispute the following information that your company XXXX supplied. I have circled the items I dispute on the attached copy of my credit report ( s ). 

This item MOHELA/DEPT OF ED is inaccurate because I am not aware of this account. I am requesting that XXXX have the item removed. 

Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item ( s ) as soon as possible. 
Sincerely, XXXX XXXX.

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