vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: MT

Complaint narrative:
I am writing to formally dispute medical debt 's listed on my credit report, which should be removed immediately based on the new rules finalized by the Consumer Financial Protection Bureau ( CFPB Regulation V ). This rule, which took effect on XX/XX/2024, states that MEDICAL DEBT must be excluded and blocked from consumer credit reports. 

Per Docket Number XXXX, The Consumer Financial Protection Bureau XXXX CFPB ) has issued a final rule amending Regulation V, which implements the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681-1681x, concerning medical information. The FCRA prohibits creditors from considering medical information in credit eligibility determinations. The CFPB is removing a regulatory exception that had permitted creditors to obtain and use information on medical debts notwithstanding this statutory limitation. The final rule also provides that a consumer reporting agency generally may not furnish to a creditor a consumer report containing information on medical debt that the creditor is prohibited from using. 

After reviewing my credit report, I noticed that it includes medical debt that meets the criteria for removal under the law. You are in direct VIOLATION of this law per the CFPB and FCRA.I am requesting that these items be promptly REMOVED and BLOCKED from my credit report. 

Details of Medical Debt : 1. Medical Collection XXXX XXXXXXXX XXXX XXXX Account Number : XXXX The FCRA prohibits creditors and/or Collection agency 's from using and/or reporting ANY Medical Accounts, Information, on consumer reports. PLEASE REMOVE AND BLOCK THIS INFORMATION WITHIN 4 DAYS. 

XXXX. Medical Collection XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX The FCRA prohibits creditors and/or Collection agency 's from using and/or reporting ANY Medical Accounts, Information, on consumer reports. PLEASE REMOVE AND BLOCK THIS INFORMATION WITHIN 4 DAYS. 

This debt is a medical collection, and based on the new CFPB rule, I respectfully request that the entry be removed and clocked from my credit report. I have enclosed any relevant documentation and CFPB Complaint. 

Please investigate this matter and provide me with a written confirmation once the debt has been REMOVED and BLOCKED. If further documentation or clarification is required, please let me know. 

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

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 2025-01-25 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Connecticut, XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  DC XXXX Subject : Complaint Against Experian Regarding Failure to Remove Inaccurate Debt Information Dear Sir/Madam, I am writing to formally lodge a complaint against Experian for its failure to address a disputed debt on my credit report appropriately and in accordance with the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I contacted Experian to dispute a debt reported by XXXX XXXX XXXX XXXX, which I believe to be inaccurate and fraudulent. This balance resulted from identity theft, and I have taken the necessary steps to report this matter, including filing a complaint with the Federal Trade Commission ( FTC ). I provided Experian with the FTC Identity Theft Report and other supporting documentation. Despite this, Experian has chosen not to uphold my rights as a victim of identity theft and has continued to report the XXXX XXXX XXXX XXXX account on my credit report. 
Additionally, I requested that XXXX XXXX XXXX XXXX validate the debt, including providing all relevant documentation such as the original contract and supporting records that demonstrate the validity of the debt. However, XXXX XXXX XXXX XXXX failed to provide me with any of the documents I requested to validate the debt. 
Despite XXXX failure to provide the necessary validation, Experian has informed me that XXXX " proved '' the debt to them and has therefore refused to remove the item from my credit report. This decision violates my rights under the FCRA and the protections afforded to victims of identity theft. 
This unresolved issue has caused significant distress and has negatively impacted my credit profile. Experians failure to ensure the accuracy and verifiability of reported information, particularly in the context of identity theft, is unacceptable. 
I am requesting the following actions : A full investigation into the validity of this debt and Experians compliance with FCRA requirements. 
Immediate removal of the XXXX XXXX XXXX XXXX account from my credit report due to the lack of proper validation and the identity theft claim. 
Confirmation in writing that the issue has been resolved. 
I trust the CFPB will take my complaint seriously and take appropriate steps to ensure Experian adheres to the requirements set forth in the FCRA, particularly as it pertains to identity theft. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, 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 2025-01-25 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: SC

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 unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and 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 | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-25 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: CT

Complaint narrative:
I filed a dispute on XXXX auto loan due to they never sent me notice on my repossession car sale and never answered or sent the receipts in the car sale, I believe that the account balance is inaccurate and they refused to show me receipts to show other wise. XXXX denied to follow up with the investigation. Also regarding my account with XXXX, I settled the charge off for a pay for delete, which I showed proof that the account was paid and the creditor also reported a XXXX XXXX balance but it still shows on my credit. Also, my XXXX XXXX account which the account is closed but shows an inaccurate outstanding amount, I showed proof of the amount it should be but it still reports an insane amount. I recently was notified that CFPB has filed a lawsuit against the company experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX  has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed immediately as it's affecting my chances of getting house and car. XXXX violates my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: NY

Complaint narrative:
I am writing to formally dispute certain information in my credit report that is a result of identity theft. This dispute is being made under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically Section 605, which requires the removal or blocking of information resulting from identity theft. 

These fraudulent accounts and inquiries that I am disputing is documented in my FTC affidavit, which requires by law that you removed these fraudulent accounts from my report at once

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 2025-01-25 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: NY

Complaint narrative:
I am writing to formally dispute certain information in my credit report that is a result of identity theft. This dispute is being made under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically Section 605, which requires the removal or blocking of information resulting from identity theft. 

These fraudulent accounts and inquiries that I am disputing is documented in my FTC affidavit, which requires by law that you removed these fraudulent accounts from my report at once

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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 am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, o was unt ly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
Lvn Funding LLC {$740.00} and XXXX XXXX XXXX {$480.00} is fraudulent we had our ID stolen out of our mailbox and they made fake IDs these are not our accounts uploaded indictments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: MD

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 605B 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 non-monetary relief
Consumer complaint received 2025-01-25 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: OK

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 unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and 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 | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-25 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: NJ

Complaint narrative:
Experian has failed to fulfill their legal obligation under the fair reporting act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) recently filed a lawsuit against Experian alleging, systematic issues, such as failing to forward consumer provided evidence to furnishers excepting unreliable responses and failing to adequately notified 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 I am requesting immediate corrective action to remove or amend the disputed account accounts as Experians inaction violates federal law and my rights as consumer.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Reporting Dispute Department XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Reporting Under 15 U.S.C. 1681o Dear Sir or Madam, I am writing to formally dispute an issue regarding my credit file with XXXX XXXX XXXX XXXX. Specifically, I believe there has been a willful noncompliance in your reporting of my account, as defined under 15 U.S. Code 1681o of the Fair Credit Reporting Act ( FCRA ). 

Details of the Dispute : 1. Account Name/Number : [ Your Account Name and/or Account Number with XXXX XXXX XXXX XXXX XXXX 2 . Description of the Inaccurate Information : [ Provide a clear, detailed description of the inaccurate or misleading information that has been reported, such as incorrect account balance, missed payments, dates, late fees, or any other discrepancies. ] 3. Date ( s ) of Occurrence : [ Provide the relevant dates or timeframe when the issue occurred or was noticed. ] I believe the information reported on my credit report is inaccurate and may have been reported in a manner inconsistent with the Fair Credit Reporting Act. As such, I respectfully request that XXXX XXXX XXXX XXXX conduct a thorough investigation into this matter, correct any inaccuracies, and provide written confirmation once this has been done. 

Under 15 U.S.C. 1681o, I understand that I am entitled to seek remedies for damages caused by willful noncompliance. Therefore, if your investigation confirms that the reported information was inaccurate or incomplete, I request that : 1. The inaccurate entry be corrected immediately in your records.

2. A notification of the correction be sent to the credit reporting agencies to ensure my credit report reflects the updated, accurate information. 

I would also appreciate a detailed explanation of any actions taken to correct my credit report and confirmation that all necessary corrections have been made to prevent future reporting errors. 

Please inform me of the outcome of your investigation within 30 days, as required by the FCRA. If I do not receive a satisfactory response or resolution, I may seek further legal remedies available to me under the Fair Credit Reporting Act. 

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

Sincerely, XXXX XXXX Enclosures : Copy of Credit Report with the Disputed Entry Highlighted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: TN

Complaint narrative:
I am filing a complaint against Equifax for failing te propery 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 ), 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 non-monetary relief
Consumer complaint received 2025-01-25 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:
I am a victim of identity theft. Ive disputed negative and inaccurate accounts I had a total of 9 accounts and 8 of them were removed. XXXX XXXX  needs to be removed also from my Transunion 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 2025-01-26 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account name XXXX XXXX XXXX XXXX  account number XXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I filed disputes with LVNV funding twice over the last four months for validation of debt for XXXX accounts and removal from my credit reports. They did not properly verify the debt and it remains on my credit report. 

On Wednesday, XX/XX/XXXX, I was given a summons that included XXXX bills of sales of the old XXXX XXXX account. XXXX XXXX charged off the accounts but I have never received a 1099 for cancellation of this debt to file with my return. The bill of sales showed that the debt was bought 5 times on XXXX specific date ( XXXX ) by multiple debt collectors. As you will see from the attachment, Exhibit 4 shows that the bill of sale was signed and dated before the original creditor even sold it to the initial buyer, XXXX XXXX, XXXX. This can be seen in Exhibit one with a date of XX/XX/XXXX. LVNV Funding essentially bought my information, but there is not a single dollar amount on any of the bills of sales, that they furnished in the summons. This shows a very broken Forward flow agreement which questions LVNV Funding 's ownership of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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:
I submitted disputes and a complaint it wasnt until I spoke with a rep last Friday who said to file a report through the ftc. I did that provided that called back yesterday and they said I needed to report all XXXX collections because the system only allows XXXX. This morning I wake up to an email basically saying what they always say the information is yours when it is not. I dont know what I have to provide my dna to have it removed it. Experian literally said once I provided that they would remove the items and they didnt. Its so frustrating knowing something is not yours yet you have to pull teeth to get something removed I am absolutely fed up with experian and its not fair.

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