vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. Additionally, I request the removal of all unauthorized inquiries related to this identity theft. Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. l expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. Additionally, I request the removal of all unauthorized inquiries related to this identity theft. Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. l expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action 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 explanation
Consumer complaint received 2025-01-22 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: American Coradius International LLC
State: TX

Complaint narrative:
on XX/XX/year> i got an alert from XXXX and XXXX that a new address was found on my report I immediately called XXXX because I was thinking it was fraud when I went to dispute it was told I need to contact ACI XXXX XXXX XXXX XXXX XXXX, ( XXXX ) for an acct call Seedfi/CRB they placed an incorrect address ( XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX, I DO NOT KNOW THIS ADDRESS AND NEVER RESIDED THERE BEFORE THIS IS ILLEGAL AND MUST BE REMOVED IMMEDIATELY FROM XXXX AND XXXX CREDIT REPORT AS XXXX CONSIDER THIS FRAUD on my credit report, first of all why placing an address on my credit report when I have never gotten any debt validation for any of the following below 1. Forward Flow Agreement 2. Chain of assignment Please the attachment below Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide accurate information about your debt, including your correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: NC

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 2025-01-22 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: OH

Complaint narrative:
Dear CFPB, I am writing to formally express my concerns regarding the actions of Equifax and XXXX, which I believe are violations of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, concerning the failure to remove discharged debt from my credit report. 

I have previously filed a complaint with your agency regarding Equifax 's reporting of my payment history. In their response, Equifax claimed that they do not report late payment history. This statement is not only misleading but also a blatant lie, as I have attached a copy of my credit report directly from the Equifax website that clearly contradicts their claim. Additionally, I am including their letter, which I believe demonstrates their deceitful practices and lack of transparency. 

Furthermore, I have filed a report with the Federal Trade Commission ( FTC ) against both Equifax and XXXX for reporting fraudulent information on my credit report. My attempts to resolve this matter amicably have been unsuccessful, and I am now notifying you that this is my final attempt to rectify these issues before I proceed with legal action against both agencies. 

It is well-known that both Equifax and XXXX have a troubling reputation for failing to conduct proper investigations and for violating consumer rights. Their ongoing issues, including being sued by the CFPB, only reinforce my concerns about their practices and reliability as credit reporting agencies. 

I urge the CFPB to take immediate action regarding this matter to protect my rights and ensure that Equifax and XXXX comply with the law. If these issues are not resolved promptly, I will not hesitate to pursue legal action against both agencies. 

Thank you for your attention to this serious matter. I look forward to your timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize these inquires. Please remove these inquiry immediately. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2025-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I no longer have this acount but khols company has not totally closed this account they are still reporting a bunch of missed payments on my credit report on a store credit card that i no longer has.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: FL

Complaint narrative:
Overdraft fees navy federal bank in both my account over the years banking with them fees never retuned at times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc
State: NC

Complaint narrative:
I submitted my initial dispute on XX/XX/year> and have yet to receive proper verification of this account or an adequate response, as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under the FCRA, I have the right to request and receive verification of any debt reported to the credit bureaus. As part of my initial dispute, I requested : Validation of the debt, including a copy of the original signed contract or agreement proving I am legally responsible. 
Proof that you have the legal right to collect on this account. 
A full accounting of the alleged balance. 
To date, I have not received sufficient evidence supporting the validity of this account. If this debt can not be verified as accurate and complete, it must be removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: LA

Complaint narrative:
XX/XX/year> {$87.00} reported late, i requested proof of receipt that i received bill within the 21 days bill was due.

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 2025-01-22 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: CITIBANK, N.A.
State: TX

Complaint narrative:
My credit card was used in a fraudulent manner in XXXX XXXX on or about XX/XX/XXXX. It all started when I took a taxi there XXXX week about XX/XX/XXXX. The taxi driver told me that if I paid with a credit card, the fare would be cheaper. Like a fool, I believed him, and handed him my XXXX card. He told me that the card was declined. Then I gave him my Sears credit, card..He told me the same thing. The fraud with the XXXX card was reported and I was NOT charged for it. When I got back from XXXX XXXX, the following Saturday, I called the number in the back of the XXXX card. I called on Monday to report the fraud, since Sears fraud Dept does NOT work on the weekends. The total was {$260.00} to Clip Mx in XXXX XXXX. Sears told me that I would NOT be charged for the amount pending the fraud investigation. I was issued a new credit card with a new number. On my XXXX bill, the amount was deleted from my credit card bill. 

I thought everything was taken care of until I called last Sunday XX/XX/XXXX. My bill sounded too high since I always have a general idea about what the amount of my credit cards should be. I called immediately and was told again to call Monday..I called the following day XX/XX/XXXX. The fraud Dept told me that after their investigation, it was discovered that I was responsible for paying the amount..I was NOT given a reason for this decision so do NOT know the result of the investigation other than the rude foreign individual told me that I gave the business my credit card for the purchase, which I did NOT..the Sears credit card never left my wallet after I tried to use it in the taxi. I don't make those kind of purchases for online games

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 2025-01-22 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: FL

Complaint narrative:
i would have money in my account and then one to two days later maybe three, i would try to make another purchase and would be notified i have insufficient funds and the money i thought i had would be withhdrawn late

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
Someone made account in my name using checks getting money sent to my profile now in negative knew nothing bout it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: Leaders Financial Company
State: NJ

Complaint narrative:
I just want to say that they're leaders financial is the lender I've had three vehicles separate vehicles two of which were paid off and one which I voluntarily sent back because I was having a XXXX XXXX situation that I did not want anything to happen to the property and was having issues keeping the payments going because of the XXXX  XXXX the company and leaders financials representation which is called XXXX XXXXXXXX XXXX XXXXXXXX XXXX located at XXXX XXXX XXXX XXXX New Jersey XXXX they continuously keep doing inquiries on my credit report without my consent and I've asked them in times past I've written letters asking them to stop checking my report they could continue to do so and I would like to seek damages and I would like for them to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX ) XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Hard Inquiries and Charge-Offs on My Credit Report To Whom It May Concern, I am writing to formally dispute unauthorized hard inquiries and inaccurately reported charge-offs on my credit report, as reflected in the attached documentation. These inaccuracies have caused significant harm to my creditworthiness and financial stability. 

Unauthorized Hard Inquiries The following hard inquiries appear on my credit report without my explicit authorization : XXXXXXXX XXXX  XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXXI on XX/XX/XXXX Under 15 U.S.C. 1681b ( 2 ), permissible purpose is required for any party to access my credit report. Furthermore, 15 U.S.C. 1681q prohibits knowingly obtaining a consumer report under false pretenses, which these inquiries suggest. I demand that these inquiries be investigated and removed promptly. 

Inaccurate Charge-Offs The following charge-offs are inaccurately reported : XXXX XXXX, account ending in XXXX, charged off on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX charged off on XX/XX/XXXX 15 U.S.C. 1681s-2 ( b ) requires furnishers to ensure accuracy, and 15 U.S.C. 1681i obligates credit reporting agencies to investigate disputes promptly. Furthermore, any cancellation of debt should have been reflected per IRS 1099-C, eliminating the liability. 

Recent Breaches and Precedents The recent XXXX data breach exposed millions of consumer records, heightening the risk of unauthorized access to personal data. Additionally, the CFPBs lawsuit against XXXX on XX/XX/XXXX, for reinserting inaccurate data highlights the systemic issues in credit reporting systems. These developments necessitate heightened scrutiny of my report. 

Relevant case law, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), underscores that credit reporting agencies are liable for failure to ensure accurate reporting and proper investigation of 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 non-monetary relief
Consumer complaint received 2025-01-22 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX ) XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Hard Inquiries and Charge-Offs on My Credit Report To Whom It May Concern, I am writing to formally dispute unauthorized hard inquiries and inaccurately reported charge-offs on my credit report, as reflected in the attached documentation. These inaccuracies have caused significant harm to my creditworthiness and financial stability. 

Unauthorized Hard Inquiries The following hard inquiries appear on my credit report without my explicit authorization : XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX Under 15 U.S.C. 1681b ( 2 ), permissible purpose is required for any party to access my credit report. Furthermore, 15 U.S.C. 1681q prohibits knowingly obtaining a consumer report under false pretenses, which these inquiries suggest. I demand that these inquiries be investigated and removed promptly. 

Inaccurate Charge-Offs The following charge-offs are inaccurately reported : XXXX XXXX, account ending in XXXX, charged off on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX account ending XXXX XXXX XXXX charged off on XX/XX/XXXX 15 U.S.C. 1681s-2 ( b ) requires furnishers to ensure accuracy, and 15 U.S.C. 1681i obligates credit reporting agencies to investigate disputes promptly. Furthermore, any cancellation of debt should have been reflected per IRS 1099-C, eliminating the liability. 

Recent Breaches and Precedents The recent XXXX data breach exposed XXXX  of consumer records, heightening the risk of unauthorized access to personal data. Additionally, the CFPBs lawsuit against XXXX on XX/XX/XXXX, for reinserting inaccurate data highlights the systemic issues in credit reporting systems. These developments necessitate heightened scrutiny of my report. 

Relevant case law, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), underscores that credit reporting agencies are liable for failure to ensure accurate reporting and proper investigation of disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am submitting this to formally express my concerns regarding XXXX mishandling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant problems with the platform. Despite using XXXX countless times and reporting the discrepancies, my financial institutions and XXXX have failed to investigate my claims adequately. I was informed that recovering the lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has neglected to protect consumers and allowed repeat offenders to exploit the system, where the users are vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: NC

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. his 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. 

These are the accounts I have marked as inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief