vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 


This fraudulent, inaccurate, and false information consists of a account opened at XXXX XXXX  XXXX XX/XX/XXXX ), XXXX collection accounts from ( XXXX XXXX XXXX opened XX/XX/XXXX and XX/XX/XXXX ). Hard inquiry from ( XXXX XXXX XXXX XXXX on XX/XX/XXXX ), ( XXXX XX/XX/XXXX ), Hard inquiry from ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX and XX/XX/XXXX ). ( XXXX XXXX XXXX account opened XX/XX/XXXX ). These Accounts have resulted in several hard inquiries appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of My consumer credit reports and that related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 


These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-12 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 filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C XXXXi which mandates a reasonable investigation of disputes. Furthermore, Exquifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C XXXX ) 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 2025-02-12 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: MD

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under XXXX U.S.C. XXXXn, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am a victim of XXXX, and also a survivor of XXXX XXXX The adverse information listed below, which may appear ( or currently appears ) on my XXXX Credit Report or Background Check, is the result of XXXX. 

The credit account below are Adverse Information Resulting from XXXX  : XXXX XXXX Acct # XXXX ( partial ) Balance {$230.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ( partial ) Balance {$160.00} Opened XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX ( partial ) Balance {$440.00} Opened XX/XX/XXXX XXXX XXXX XXXX Acct XXXX ( partial ) Balance {$1200.00} Opened XX/XX/XXXX XXXX XXXX Acct # XXXX ( partial ) Balance {$1200.00} Opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX ( partial ) Balance {$1000.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Acct # XXXX ( partial ) Balance {$7600.00} Opened XX/XX/XXXX XXXX Acct XXXX XXXX ( partial ) Balance {$2300.00} Opened XX/XX/XXXX LVNV Funding LLC Acct XXXX XXXX ( partial ) Balance {$1400.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( partial ) Balance {$300.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX Acct XXXX XXXX ( partial ) Balance {$720.00} Opened XX/XX/XXXX Pursuant to 605C the Fair Credit Reporting Act, I respectfully request fully request that you Block the reporting of the above adverse information ( and any other information related thereto within ( 4 ) business days ( see 12 CFR Statue 1022.142 ( f ). 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: AR

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 balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transitions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: MI

Complaint narrative:
U.S. Bank seemed to be intentionally processing the incorrect XXXX charges and refused to stop. XXXX had already confirmed I was due the refunds but refused to issue them. I am owed several XXXX still but U.S. Bank refuses to provide any dispute notifications, or address corrections. XXXX meanwhile, made a rather poor attempt to blame me for items stolen by XXXX  and refused to address their unwillingness to refund items that had been returned per the tracking regardless of if the order was actually placed by me or not.

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 2025-02-12 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: MI

Complaint narrative:
violation of section XXXX XXXX USC XXXX XXXX. Please remove from my credit report XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: MI

Complaint narrative:
violation of section XXXX XXXX USC XXXX XXXX. Please remove from my credit report XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

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 2025-02-12 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-02-12 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union ( NFCU ) regarding the closure of my business checking account. I believe that NFCUs decision was based on inaccurate information regarding the standing of my personal accounts. 

NFCU communicated that my business account was closed because my personal accounts had not been in good standing for over 120 days. However, I would like to clarify that my personal accounts are consistently restored to good standing within 45 days at the latest. If my personal accounts had truly been in jeopardy for over 120 days, NFCUs actions would have already extended to those accounts, which has never occurred. 

Based on these facts, I contend that the rationale provided by NFCU for closing my business checking account is flawed. I respectfully request that the CFPB review this matter and assist in facilitating the reopening of my business checking account, as I have maintained proper account management practices throughout my banking relationship. 

I appreciate your attention to this matter. Please let me know if any additional documentation or information is required to support my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-02-12 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:
Called Experian today to request that old addresses and phone numbers be removed from my credit report. They told me that they could not remove them. Asked for help to gain access to my credit report online through their website and explained that I no longer have access to the email address nor the phone number that I had at the time the account was created. NOBODY would help me and kept passing me around after SEVERAL calls to them and SEVERAL attempts. Even told them about my consumer rights per the FCRA law code XXXX XXXX XXXX and were told they know the law too. As a consumer I have the right to have an ACCURATE credit report and the right to make sure it is correctly reporting.

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 2025-02-12 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: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against VyStar Credit Union regarding an inaccurate late payment that has been reported on my credit report. 

On XX/XX/year>, I paid for my car loan as I realized it didn't come out via autopay. However, VyStar Credit Union inaccurately reported a late payment to the credit bureaus, which is having a detrimental impact on my XXXX XXXX. 

I have been enrolled in VyStar 's auto-payment system since day XXXX of my loan. However, their system appears to have malfunctioned, stopping the automatic payment without any prior notice or communication to me. Despite the fact that I did not receive an email notification or any other form of communication indicating that the auto-payment had failed, I made the payment manually as soon as I became aware of the issue. Unfortunately, VyStar has refused to remove the inaccurate negative derogatory mark, despite my prompt resolution of the matter. 

The failure to send any notification or email regarding the interruption of my auto-payment system is a clear violation of my rights as a consumer. This erroneous late payment, which was due to a system error on XXXX part, is now negatively affecting my credit history and score. I have contacted VyStar multiple times to resolve this issue, but they have refused to correct the inaccurate reporting or remove the derogatory mark. 

I am requesting that VyStar Credit Union immediately remove the inaccurate late payment from my credit report. The payment was made on time, and the negative mark should not have been added due to their system 's failure and lack of proper communication.I have never missed any payments with XXXX or any creditors. 

Thank you for your attention to this matter. I trust the CFPB will assist in ensuring that VyStar takes appropriate action to rectify this situation and prevent further harm to my credit. 

Sincerely, XXXX XXXX XXXX XXXX XXXX unit XXXX XXXX Fl 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 non-monetary relief
Consumer complaint received 2025-02-12 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: TX

Complaint narrative:
Subject : Urgent Complaint Regarding Unauthorized Dispute on My Husbands XXXX XXXX XXXX XXXX Account I am filing a formal complaint against XXXX, Equifax, and XXXX for falsely reporting a dispute on my husbands XXXX XXXX Bank credit card account, on which I was an authorized user for years. Neither my husband nor I ever filed a dispute regarding this account, yet on XX/XX/year>, my husband received a letter from XXXX XXXX Bank stating that I had been removed from his account due to a dispute they received from the credit bureaus. 
To be absolutely clear : This is not my accountit belongs solely to my husband. I was only listed as an authorized user, and at no point did either of us request a dispute or removal. This action was taken without our knowledge or consent, and it is a direct failure by the credit bureaus to accurately handle consumer data. Additionally, this interference in my husbands financial account violates his privacy and rights. 
To address this matter, I have already filed complaints with : The Texas Attorney General The Federal Trade Commission ( XXXX  ) on XX/XX/year> However, immediate action is required from the CFPB to ensure that XXXX, Equifax, and XXXX correct their reporting errors and prevent further unauthorized interference in my husbands account. 
Requested Action : XXXX. XXXX XXXX XXXX Bank to confirm that no dispute was ever filed by me or my husband and reinstate me as an authorized user on his account. 
XXXX. Require XXXX, Equifax, and XXXX to immediately correct their records and remove the false dispute notation. 
XXXX. Investigate this serious mishandling of personal credit data and hold the responsible credit bureaus accountable. 
XXXX. Ensure stronger compliance measures to prevent such unauthorized actions from happening in the future. 
XXXX. This ongoing negligence by the credit bureaus is severely impacting my financial standing, and I demand swift corrective action. I appreciate your urgent attention to this matter and look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
RE : Trafficking Block Request - ( XXXX XXXX XXXX- ACCOUNT # # XXXX DATE OPEN XXXX XXXX AMOUNT {$27000.00} ), ( XXXX XXXX ACCOUNT # XXXX DATE OPEN XXXX XXXX AMOUNT {$190.00} ), ( XXXX CRED- ACCOUNT # XXXX DATE OPEN XXXX XXXX AMOUNT {$340.00} ), XXXX- ACCOUNT # XXXX DATE OPEN XXXX XXXX AMOUNT {$350.00} ), ( XXXX ASSOC- ACCOUNT # XXXX XXXX OPEN XXXX XXXX AMOUNT {$440.00} )

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2025-02-12 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: Nelnet, Inc.
State: VA

Complaint narrative:
On XXXX XXXX my records for federal student loans where accessed by XXXX. without my consent in violation of my privacy and FERPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
Car was repossessed and amount was settled with Bridgecrest

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
XXXX XXXX and XXXX XXXX continue to contact me and I sent out numerous cease and desist letters when my accounts had been bought by these creditors. 
This problem with my credit happened during XXXX and the statute of limitations has run out but they continue to try and contact via mail. I continue to receive numerous letters in the mail and it just wont stop. This is causing me to have major anxiety and I am not able to function correctly and honestly affecting my daily life. My credit issues happened during XXXX and thought I would be protected by the XXXX act. Its not fair to me that they continue to mark my credit report late when they bought my debt for pennies on the dollar. These companies have extremely low business ratings and I dont personally trust them. Please help I know that this part of government might be in jeopardy and wish you best of luck, you are my last hope. Thank you greatly I appreciate everything you do. I just want these items deleted from the bureaus because no matter the multiple attempts they are ignoring my persistence in this.

Company response to consumer: Closed with explanation