vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX : Formal Dispute Unauthorized and Fraudulent Reporting of Student Loans Dear [ Transunion ] I am writing to formally dispute the student loan information that appears on my credit report. These loans have been fraudulently reported without my authorization, and I demand their immediate removal. 
The specific account ( s ) in question are : Creditor Name : [ XXXX ] Account Number : [ XXXX ] Reason for Dispute : I never provided XXXX or any loan servicer permission to report this loan to credit bureaus, making this reporting unlawful and fraudulent. 
According to the Fair Credit Reporting Act ( FCRA ), credit bureaus must ensure that all reported information is accurate and legally permissible. Student loans are not traditional consumer credit, and I never signed any agreement allowing this debt to be reported on my credit file. Reporting these loans without my consent is a violation of my consumer rights. 
I demand the immediate deletion of these accounts from my credit file. If you refuse to remove these items, I request : XXXX. A legal explanation detailing the authority by which this loan has been reported. 
XXXX. Proof of my signed authorization granting permission for XXXX or any loan servicer to share my information with credit bureaus. 
Under the FCRA, you are required to complete your investigation within 30 days. If these fraudulent accounts are not removed, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal counsel to pursue further action. 
Please confirm receipt of this dispute and provide an updated copy of my credit report once these accounts have been deleted. 
Sincerely, [ XXXX XXXX XXXX Enclosures : [ I have submitted FTC complaint XXXX Complaint # 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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Subject : Urgent Dispute Fraudulent Account Removal To Whom It May Concern, I have attempted to dispute this fraudulent debt on multiple occasions, yet nothing has been resolved. This credit card account was opened fraudulently without my authorization, and despite my repeated efforts to have it removed from my credit report, it remains. Your failure to address this matter has left me no choice but to escalate my complaint. If this debt is not immediately removed from my credit report, I will be filing multiple formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal representation to protect my rights. I demand written confirmation that this fraudulent account has been deleted from all credit bureaus. This matter requires urgent attention, and I expect full resolution without further delay.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The inquiry was not authorized XXXXXXXX XXXXXXXX Date of inquiry : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: MI

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

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: 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I asked the Equifax agency to update my credit report for a closed account that is reported as open, in XXXX and was reported for the second time in XXXX.

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: GA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C. 1681 section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C. 1681 section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: 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 response 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 actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) 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 are the account that I've marked as inaccurate : XXXX XXXX Pro Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts - negative accounts - SummaryEquifaxXXXX Last Updated Equifax XXXX Pays account as agreed XXXX XXXX, Paid or paying as agreed XXXX Payment Status Current account/was delinquent 60 days past due date XXXX XXXX XXXX XXXX XXXX Accounts - negative accounts - closed - SummaryEquifaxXXXX XXXX XXXXed Equifax XXXX, Pays account as agreed XXXX XXXX, Paid or XXXX as agreed XXXX  XXXX Paid account/was delinquent 90 days past due datePayment XXXX  Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Accounts - negative accounts - SummaryEquifaxXXXX  Last Updated XXXX, Pays account as agreed XXXX XXXX, Paid or paying as agreed XXXX XXXX Current account/was 30 days past due date XXXX times XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Accounts - XXXX accounts - SummaryEquifaxXXXX  Last Updated Equifax XXXX, Pays account as agreed XXXX XXXX XXXX XXXX XXXX XXXX as agreed XXXX XXXX Current account/was 30 days past due date XXXX times Credit Inquiries Credit Inquiries XXXX SummaryEquifaxXXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigaie 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 ( File No. XXXX ) 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 2025-02-05 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Columbia Debt Recovery Subject : Urgent Dispute Fraudulent Accounts & Unauthorized Charges To Whom It May Concern, I am writing to formally dispute the fraudulent accounts associated with XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX, which were fraudulently opened using my Social Security number and name without my consent. Not only are these accounts fraudulent, but I have also noticed that Columbia Debt Recovery is unlawfully adding interest to this debt, which is both inappropriate and unauthorized. 

Let me be clear : I will not be paying off anyones debt, nor will I pay a debt that does not legally belong to me. Under the Fair Debt Collection Practices Act ( FDCPA ), it is illegal to attempt to collect a debt that is not owed by the consumer, as well as to add unauthorized interest or fees. Since these accounts were fraudulently opened, I demand that Columbia Debt Recovery immediately remove them from my credit report and cease any collection efforts. 

If this matter is not resolved promptly, I will continue to escalate my dispute with the Consumer Financial Protection Bureau ( CFPB ) and pursue all legal remedies necessary to protect my rights. I expect written confirmation that these fraudulent accounts have been permanently deleted from my credit file. 

I demand an urgent resolution and will not tolerate any further violations of my consumer rights. 

Sincerely, XXXX XXXX

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

Complaint narrative:
Navy federal Opps fees {$20.00} per transaction although it says that they do not do that, or if the fund are there.

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 — Information belongs to someone else
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
this is a notice of a default judgement for non reply to my lawsuit and her a copy of the summons been served Toyota motor non reply

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Re : Dispute of Reinserted Account Request for Immediate Removal Dear Equifax I am writing to dispute the reinsertion of a negative account on my credit report, which had previously been removed. The account in question is XXXX The account was removed from my credit report confirmed by your bureau. However, I have recently discovered that this account has been reinserted into my credit report without my consent. prior credit report showing the account was not listed.

Furthermore, I did not receive the required notification at least 5 days before this account was reinserted, as mandated by 15 USC 1681i. This lack of proper notification is a violation of the Fair Credit Reporting Act ( FCRA ).

Given these circumstances, I request the immediate removal of this account from my credit report. 
Please confirm in writing once this account has been removed from my credit report. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

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: FL

Complaint narrative:
Dear CFPB Representative, I am writing to formally dispute inaccurate and unverifiable information on my credit report, as furnished by Equifax and Experian, in accordance with my rights under the Consumer Financial Reporting Act ( CFRA ) and the Fair Credit Reporting Act ( FCRA ). Specifically, I request the immediate deletion of the following accounts that have been reported inaccurately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: AL

Complaint narrative:
Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Phone Number ] [ Your Email ] [ Date ] [ Creditor/Collection Agency Name ] [ Creditors Address ] [ City, State, ZIP Code ] Subject : Request for IRS Form XXXX Account # [ Your Account Number ] Dear XXXX XXXX To Whom It May Concern I am writing to formally request a copy of IRS Form 1099-C for the charged-off account # XXXX that was reported by your company. Under IRS regulations, a creditor is required to issue a 1099-C form when a debt of {$1100.00} or more is canceled or forgiven.

Upon reviewing my credit report, I noticed that this account has been charged off, but I have not received a 1099-C form reflecting the cancellation of debt. If this debt has indeed been canceled or forgiven, I kindly request that you provide me with a copy of the corresponding 1099-C form for my records and tax reporting purposes.

If you have not yet filed a 1099-C with the IRS for this account, please clarify whether the debt is still considered outstanding or if any reporting errors have occurred. I would appreciate your prompt response within 30 days of receiving this letter to ensure that my financial records remain accurate. 

Thank you for your time and cooperation. Please send the requested document to the address listed above, or feel free to contact me at XXXX or XXXX if additional information is needed. 

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 2025-02-05 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: FL

Complaint narrative:
I am filing a complaint against TransUnion, for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion 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, TransUnion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX ) against them for similar violations. I request that the CFPB take action to assure TransUnion, complies with Federal Law and provides consumers with the necessary proof of investigation. 
These are the accounts that I have marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXXXXXX As per report Not more than XXXX payments past due. No specific dates provided. 
XXXX XXXX XXXX 30 Days Late XX/XX/XXXX ; 60 Days Late XX/XX/XXXX XXXXXXXX XXXX XXXX As per report : At least 120 days or more than XXXX payments past due. No specific dates provided. 
XXXX XXXX XXXX Acct XXXX XXXX 30 Days Late XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX  XXXX 30 Days Late XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 ) Even previous addresses showing in my TransUnion Reports are incorrect as I have never lived in : XXXX XXXX XXXX, XXXX, WI XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX - 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