vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I dont know when this account was opened I know sometime before XX/XX/year>. This account was opened by someone that wasnt me they then went into my unemployment account and changed the account that my direct deposits were being sent to and changed it to this fraudulent savings account opened without my permission so that my unemployment deposits would get direct deposited into that account after a total of {$10000.00} was deposited I think it was 2 separate deposits but could have been 3. Then they changed it back to the account that was originally on there. I called this credit union and tried asking when the account was opened and when the money that was deposited into the account was withdrawn and from what location it was withdrawn from and they refused to give me ANY info in regards to this account even though it was an account under my name and I had the account number and could provide all and any documentation they would need to prove that I was in fact the person whos name was used to open that account but they refused and wouldnt tell me what I could do to resolve this huge problem I was having.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : There should only be one address in my report, which is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling, and there should be no variations listed. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of the incorrect employers listed below : The only job I need listed is : XXXX XXXX XXXX XXXX XXXX Therefore, I kindly request that you delete this inaccurate information, as it is causing difficulties in ensuring my report is clean in the best possible way for me to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

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 non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : There should only be one address in my report, which is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling, and there should be no variations listed. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of the incorrect employers listed below : The only job I need listed is : XXXX XXXX XXXX XXXX XXXX Therefore, I kindly request that you delete this inaccurate information, as it is causing difficulties in ensuring my report is clean in the best possible way for me to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

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 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Genesis Credit Management LLC XXXX XXXX XXXX XXXX, WA XXXX Acct # XXXX cc : Consumer Financial Protection Bureau , Subject : Formal Dispute and Demand for Immediate Removal of Unverified Collection Account Genesis Credit Management LLC Dear Consumer Financial Protection Bureau , I am submitting this formal dispute to report a collection account reported by Genesis Credit Management LLC on my credit report. The account in question reflects a balance of {$5400.00}, date opened XX/XX/year> and appears on all three major credit bureaus ( XXXX, XXXX, and XXXX ). However, I have never conducted business with this entity, have not executed a contract with them, and they are not authorized to collect any debt on my behalf. 
Pursuant to my rights unde

r 15 U.S.C. 1692g, I previously requested that Genesis Credit Management LLC provide proper validation of this debt, yet they have failed to verify its legitimacy. Under the Fair Debt Collection Practices Act ( FDCPA ), they are required to provide verification of the alleged debt upon request, and their failure to do so renders their reporting and collection attempts unlawful. Additionally, per 15 U.S.C. 1692c ( c ), I have already contacted Genesis Credit Management LLC to demand the removal of this invalid collection. As they have not been able to verify the alleged debt and continue to pursue unauthorized collection efforts, they are in direct violation of the law. Their continued reporting of this unverified account constitutes a violation of my consumer rights and causes undue harm to my credit profile.

Given these violations, I am demanding the immediate removal of this collection account from all three credit bureaus. Failure to comply with my demand will result in further legal action, including but not limited to filing a formal complaint with the Federal Trade Commission ( FTC ) and seeking damages for willful noncompliance with federal law. 
I request that the CFPB intervene and ensure that Genesis Credit Management LLC ceases its unlawful collection activity and removes this fraudulent entry from my credit reports immediately. I have attached copies of the previous communication and my formal dispute for reference.

I expect a prompt resolution to this matter. Please confirm receipt of this dispute and provide an update regarding the steps taken to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: FL

Complaint narrative:
I am trying to purchase a property, and I noticed unauthorized inquiries on my credit report. Please remove all inquiries It affecting my credit scored can't purchase.

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 2025-02-05 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: FL

Complaint narrative:
I am trying to purchase a property, and I noticed unauthorized inquiries on my credit report. Please remove all inquiries It affecting my credit scored can't purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-05 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: NC

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

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 2025-02-05 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: NC

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

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 2025-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
I am writing regarding ongoing difficulties with my Ally Financial account. Despite my repeated attempts over several months to resolve my delinquency and avoid repossession, I was not made aware of all available assistance options until recently. 
On XX/XX/year>, at XXXXXXXX XXXX, I contacted Ally Financial to discuss alternatives to a loan modification for retrieving my vehicle from repossession. Only after I mentioned consulting with a lawyer did the customer service representative inform me of two options : Making a payment of {$2100.00} before XX/XX/XXXX Applying for Ally 's catchup assistance program I find it concerning that the catchup assistance program was not presented as an option during my numerous previous attempts to resolve this situation. Had I been informed of this program months ago, I could have avoided the repossession altogether. I had specifically inquired about the possibility of deferring payments to the end of the loan term to bring my account current but was not given complete information about my options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 explanation
Consumer complaint received 2025-02-05 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: ALLIANT CREDIT UNION
State: ID

Complaint narrative:
In the month of XXXX, I was interested in purchasing an RV. I requested Pre-Approval for a unit I was interested in purchasing. I was working with a loan officer from XXXX XXXX, XXXX XXXX. After getting confirmation of a pre-approval, I requested the terms to be sent to me. Without the knowledge or consent, I received a notice that my credit had changed. I figured it wasn't the company pulling my credit because I would have been notified they were doing so. Since I was only requesting pre-approval, I did my due diligence to ensure no " Hard Inquires '' would happen. I received the first hard inquiry on XX/XX/XXXX XXXX. 

With purchasing an RV, you look at what you're " pre-approved '' for, and you begin shopping. I found XXXX different units and requested information on the difference in loan terms/rates because of the spread in a year, purchase amount, and years on the terms. Once again, and without my consent, a hard inquiry was pulled to confirm this information. I did not consent in written or verbal form. The second hard inquiry was on XX/XX/XXXX XXXX. 

For the third time, I requested information for a different unit, after the purchase of the other XXXX happened before we could close. At that time, I found a unit I was planning to purchase, gave the information, and then was notified, " We will pull your credit to get the accurate rates/terms ... '' I responded, with surprise, doesn't that happen when we begin closing and need final approvals? I was then told they had been running my credit and getting final approvals on each of the units I inquired about ( XXXX ) at this point. I explained that I didn't realize or was told that they were pulling my credit each time. This was on XX/XX/XXXX. 

Since time, my credit score has decreased by XXXX points. I am requesting these hard inquiries be reverted and the score points replenished, or a note confirming they should be replenished.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Jon Barry and Associates, Inc.
State: SC

Complaint narrative:
They continuously call and harass my relatives and make false statements about being arrested etc. All the while I had insurance and was 100 % coverage since i had already met my deductible and premiums

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: FL

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I dispute an American Express account that is reporting inaccurate information on my consumer reports I ask for an reinvestigation But fail to correct the information on 3 all credit bureaus Under the FCRA, specifically 15 U.S.C. 1681s-2 ( a ), furnishers of information, such as American Express , are required to ensure the accuracy of the data they report. Furthermore, under 15 U.S.C. 1681i, credit reporting agencies are obligated to conduct a reasonable reinvestigation of disputed information. I respectfully request that the CFPB investigate this matter and ensure that American Express fulfills its legal obligation to report accurate information. I also request that the inaccurate information be removed immediately to reflect the truth of my credit history.i circle all the dates that is not accurate and also upload a copy of the report and highlight the information that not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
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 need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

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 2025-02-05 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: FL

Complaint narrative:
I FILE A COMPLAINT BEFORE AND THEY HAVENT DONE NOTHING STILL SHOWING WRONG PERSONAL INFORMATION ON REPORT NUMBERS 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 2025-02-05 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX has violated my rights. 

EQUIFAX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/scrub>/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing.

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