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: KS

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XX/XX/year>

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 — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$1900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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, collections, or hard inquiries as reported. The aforementioned accounts, collections, 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, collections, 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: CA

Complaint narrative:
Upon reviewing my credit report, I noticed that late payments appear on XXXX accounts where I have never made late payments. This information is inaccurate and is negatively affecting my credit score. 

The accounts in question are : XXXX XXXX XXXX. XXXX and XXXX XXXX XXXX No. XXXX. I submitted a dispute to the credit bureaus requesting an investigation into these late payments and asking for proof to support their accuracy. According to the Fair Credit Reporting Act ( FCRA ), the reported information must be accurate, and the agencies are required to correct any errors. 

To date, I have not received valid evidence justifying these negative reports. Since there is no proof that these payments were late, I request that my payment history be updated as on-time and that these incorrect records be removed. 

I appreciate the review of this case and look forward to a prompt resolution.

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: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
My debit card was stolen and used at multiple locations. I disputed the transactions and Navy Federal credit union denied my dispute. I provided details and proof that it wasn't me. This incident happened in XXXX of last year. I had to appeal the decision and provided a police report. My money has still not been returned.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Subject : Dispute of Civil Liability Request for Validation To Whom It May Concern, I am writing to formally dispute the alleged liability with your institution. ( Midland credit XXXX  XXXX ) I recently received a notice indicating that I am responsible for a financial obligation. However, I do not believe this liability is valid and request a full validation of the claim under applicable consumer protection laws. 

Specifically, I request the following : A detailed explanation of the nature of the liability, including any signed agreements or contracts that support the claim. 
A complete payment and transaction history, demonstrating how the alleged amount was calculated. 
Any documentation that proves I am legally responsible for this liability. 
Any relevant communication or notices that were previously sent regarding this matter. 
Until I receive proper validation, I formally dispute this liability and request that no adverse actions be taken against me, including negative reporting to credit bureaus. If this claim has already been reported, I request that it be updated to reflect the disputed status until it is fully resolved. 

Additionally, if you fail to provide adequate validation, I request that this matter be closed and any negative information be removed from my records. 

Please respond to this dispute within [ XXXX  days or the applicable legal timeframe ] to avoid further actions. I reserve my rights under the law and am prepared to escalate this matter if necessary. 

Thank you for your prompt attention to this issue. Please confirm receipt of this letter and provide your response in writing. 

Sincerely, XXXX XXXX

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 — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently looked at my credit profile and saw reports from all authorized accounts as listed below Credit union of Texas, XXXX # XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX # XXXX  Under the FCRA 15 U.S. Code 1681c2 These account shall be removed due to identity theft, The report is attached below.

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 card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Subject : Unfair Credit Reporting and Failure to Consider Financial Hardship Company Names : Affirm & XXXX Financial Services Complaint Against Affirm : I submitted a goodwill adjustment request to Affirm, asking for the removal of a late payment that occurred due to an unforeseen medical hardship ( short-term XXXX  without pay ). Despite multiple attempts, Affirm has completely ignored my request and refuses to acknowledge my communication.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers must report accurate and complete information. However, Affirm is refusing to consider extenuating circumstances and failing to provide clear responses, which is an unfair practice. I request that CFPB investigate XXXX  refusal to engage in fair credit reporting practices and require them to address my dispute.

Complaint Against XXXX : XXXX claims they are required by law to report late payments accurately, which is misleading. The FCRA does not require lenders to report negative informationonly that what they do report is accurate. My missed payment was due to a documented medical hardship ( short-term XXXX without pay ), and XXXX refuses to work with me despite my long-standing account history. 
Under FCRA 15 U.S.C. 1681s-2 ( b ), XXXX must conduct reasonable investigations of disputes, yet they refuse to accommodate or review my situation properly. Additionally, under Equal Credit Opportunity Act ( ECOA ) 701 ( a ) ( 1 ), creditors must not engage in unfair credit practices, which includes refusing to work with consumers experiencing legitimate financial hardship. 
Requested Resolution : I ask the CFPB to investigate both Affirm and XXXX for their unfair handling of hardship-based goodwill requests. Specifically, I request that : XXXXAffirm acknowledges my goodwill request and formally responds rather than ignoring it. 
XXXX removes the late payment from my credit report or provides a detailed explanation of why they refuse to do so, beyond a generic we must report accurately response. 
XXXXThe CFPB enforces its authority under the FCRA and XXXX to ensure fair credit reporting practices and prevent companies from penalizing consumers for documented financial hardships beyond their control. 
I have attached proof of my medical leave, goodwill letters sent to both companies, and my credit report showing the negative marks. 
Thank you for your time in reviewing this matter. 
Sincerely, XXXX XXXX XXXX

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: MO

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX  XXXX XX/XX/year>

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: TX

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXXXX/XX/XXXXXXXX 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 2025-02-12 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: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXXXX/XX/XXXXXXXX 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXXXX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the negative mark associated with my XXXX XXXX XXXX account. I would like to provide a detailed explanation regarding the circumstances that led to this situation and request that this matter be reexamined in light of the information Im sharing.

The account in question was taken out of my responsibility due to the actions of my foster parent, who forcibly took control of the card and used it without my consent. Despite this, I have attempted to pay back the balance, but my financial standing has been unstable, making it difficult for me to settle the debt entirely. As a result, the account eventually became charged off. 

I would like to note that, according to NRS 159.045, a guardian has a legal responsibility to act in the best interest of the ward. In this case, my foster parent, who was appointed as my guardian, took control of the account in a manner that violated the principles of responsible guardianship, causing me financial harm. Furthermore, under NRS 41.600, a person may be held liable for financial harm caused by fraud, coercion, or unauthorized actions, which applies here, as I was not given the ability to control or consent to the actions taken on the account. 

Additionally, under NRS 598.0923, it is unlawful for a person or entity to engage in unfair or deceptive practices in the course of business, which could include mishandling or misreporting financial obligations. Despite my efforts to resolve this matter through communication with your company, I have been unsuccessful, and the account was charged off without a fair resolution. I believe that the circumstances around this account and the role my guardian played should be carefully considered under the context of these statutes. 

I have sent the appropriate letters to have this charge removed from my credit records, but my request was not granted. I feel that the nature of this situation where the account was taken by someone who was supposed to be a trusted guardian should be reconsidered, and I kindly ask that you take the relevant legal protections and my circumstances into account in reviewing this charge off. 

I understand the importance of personal responsibility for debt, but in this case, I believe I should not be held entirely accountable for an account that was taken under duress by a guardian figure. Given my efforts to communicate and resolve this issue, I respectfully request that you reconsider the charge-off and remove it from my credit report. 

Thank you for your attention to this matter, and I look forward to a fair resolution.

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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am having an issue of getting my free annual credit report XXXXXXXX XXXX XXXX  and XXXX. I am entitled to an annual free 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 explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: MN

Complaint narrative:
I am having an issue of getting my free annual credit report XXXX, XXXX XXXX and Lexis. I am entitled to an annual free 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

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 — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: JDJ Investments, INC.
State: LA

Complaint narrative:
Tried to dispute possibly fraud on my account never received a phone call back about 3month ago I need proof & paperwork with my signatures saying I Im responsible for this account being opened in my name, I wan na file possible fraudulent activity on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio
State: CA

Complaint narrative:
Asked a debt validation havent received anything I dont know the debt collector nor creditor.

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: TX

Complaint narrative:
I am formally disputing the following negative items on my credit report : XX/XX/XXXXXX/XX/year> These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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