vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Dispute of Charge-Offs on Credit Report Dear CFPB, I am writing to formally dispute the charge-offs that are still being reported on my credit report. I have reviewed my credit report from TransUnion and found the following inaccuracies : Account Name/Number : [ XXXX XXXX XXXX XXXX ] Account Name/Number : [ XXXX XXXX XXXX ] Account Name/Number : XXXX / XXXX ] Account Name/Number : [ XXXX  XXXX XXXX XXXX ] Account Name/Number : [ U.S. DEPARTMENT OF EDUCATION XXXX ] Account Name/Number : [ XXXX  XXXX XXXX ] Account Name/Number : [ XXXX  XXXX XXXX XXXX Account Name/Number : [ XXXX XXXX XXXX ] XXXX. Dispute Reason : This charge-off is incorrect due to potential identity theft. My personal information was compromised in the XXXX XXXX XXXX breach in XXXX, which exposed sensitive data of approximately XXXX XXXX individuals, including Social Security numbers, addresses, and other personal details 2. Dispute Reason : This charge-off was sold to a collection agency, and it is inaccurately being reported by the original creditor. Under the FCRA, I request that this item be removed from my credit report. 

I have previously disputed these items with the credit reporting agencies and the creditors involved, but the charge-offs remain on my report. I am requesting that the CFPB investigate these matters and ensure that all disputed items are removed from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt resolution of these issues. 

Sincerely, 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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I have several accounts and dates that are reporting inaccurate and are not reporting correctly. Please take a deeper look into my accounts to varifiy total and complet accuracy as stated in 15 U.S. code 1681e. Any an all inaccurate accounts I should be removed pronto. Thanks in advance.

Best Regards P.S Please feel free to contact me via Email if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: MD

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MI

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My money was frozen for 6 months and there still making it difficult to aquire

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I request your help in reviewing accounts from companies that have inaccurately reported late payments. Upon checking my credit report, I found some accounts with late payment remarks that should not be there. These accounts should reflect no late payments.

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 2025-01-27 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: TX

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$4100.00} XXXX  XXXX XXXX XX/XX/XXXX {$4100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$940.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$940.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XX/XX/XXXX {$1700.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: IL

Complaint narrative:
I submitted a letter faulting Transunion XXXX and XXXX ( 1 ) Breach of Privacy or ( 2 ) Lack of Investigation The following letter was submitted with companies ( a ) failing to remove faulty or old addresses b ) hard inquiries that the same card was applied for 2-3 days in a row ( c ) Consistently failing to address XXXX XXXX reporting every month for 9 months when I had been receiving letters from a to the company they sold a debt to as well as them informing by letter they sold this debt. ***The following letter and proof were submitted with proof and no changes 3 months ago. that Under privacy law codes, such as the Fair Credit Reporting Act ( FCRA ) in the United States, credit bureaus are required to ensure the accuracy, transparency, and confidentiality of consumer credit information. These laws protect individuals from unauthorized sharing or misuse of their personal financial data, recognizing that inaccurate or improperly managed credit reports can have severe consequences, including denied access to housing, employment, or loans. Credit bureaus must provide clear and accurate credit reports to consumers upon request and allow disputes to correct errors. Failure to maintain clarity and adherence to privacy law codes undermines consumer trust and violates legal obligations, emphasizing the critical need for transparency and accountability in managing sensitive financial information.

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 2025-01-27 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I filed a dispute on LVNV FUNDING LLC due to inaccurate information. XXXX denies to follow up with the investigation. I recently was notified that CFPB has file lawsuit against ( XXXX ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempt to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house. XXXX violates my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-01-27 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: IL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Complaint Against XXXX XXXX XXXX XXXX XXXX. 

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX XXXX ( XXXX ) regarding their handling of my credit report and their failure to comply with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act of 2010 ( CFPA ). This letter outlines the issues I have faced, which I believe merit your attention. 

Since XX/XX/XXXX, I have disputed inaccurate information on my credit report a total of 36 times. Despite my repeated efforts to resolve these discrepancies, XXXX has consistently failed to reasonably reinvestigate my disputes. Specifically, I have encountered the following issues : 1. Failure to Forward Relevant Information : XXXX has not forwarded all relevant information regarding my disputes to the data furnishers. This omission has resulted in the continuation of inaccurate information on my credit report. 

2. Inadequate Notice of Dispute Outcomes : On numerous occasions, I have not received adequate or accurate notifications regarding the outcomes of my disputes. This lack of communication has left me in the dark about the status of my credit report and the inaccuracies affecting my credit score. 

3. Unreasonable Procedures : XXXX has not utilized reasonable procedures to ensure the accuracy and completeness of the information in my file. As a direct result of these failures, collection companies have updated and re-reported inaccuracies, further compounding the negative impact on my creditworthiness.

4. Failure to Properly Investigate Disputes : Under 15 U.S. Code 1681, XXXX is required to conduct a proper investigation of disputes. However, they have not fulfilled this obligation. Instead, they appear to be relying solely on the information provided by the creditor or collection company, without conducting a thorough review of my claims. 

5. Lack of Document Verification : Furthermore, XXXX has not pulled actual documents to verify the accuracy of the accounts in question, as mandated by 15 U.S. Code 1681. This lack of due diligence compromises the integrity of the credit reporting process and continues to affect my financial opportunities. 

The ongoing inaccuracies in my credit report have significantly hindered my ability to obtain credit, affecting my financial well-being and opportunities since XX/XX/XXXX. The persistent issues I have faced with XXXX violate the FCRA and the CFPA, as I believe they have acted negligently in their duty to maintain accurate consumer information. 

I kindly request that the Consumer Financial Protection Bureau look into this

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 2025-01-27 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:
Complaint Against XXXX XXXX XXXX XXXX XXXX. 

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX XXXX ( XXXX ) regarding their handling of my credit report and their failure to comply with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act of 2010 ( CFPA ). This letter outlines the issues I have faced, which I believe merit your attention. 

Since XX/XX/XXXX, I have disputed inaccurate information on my credit report a total of 36 times. Despite my repeated efforts to resolve these discrepancies, XXXX has consistently failed to reasonably reinvestigate my disputes. Specifically, I have encountered the following issues : 1. Failure to Forward Relevant Information : XXXX has not forwarded all relevant information regarding my disputes to the data furnishers. This omission has resulted in the continuation of inaccurate information on my credit report. 

2. Inadequate Notice of Dispute Outcomes : On numerous occasions, I have not received adequate or accurate notifications regarding the outcomes of my disputes. This lack of communication has left me in the dark about the status of my credit report and the inaccuracies affecting my credit score. 

3. Unreasonable Procedures : XXXX has not utilized reasonable procedures to ensure the accuracy and completeness of the information in my file. As a direct result of these failures, collection companies have updated and re-reported inaccuracies, further compounding the negative impact on my creditworthiness.

4. Failure to Properly Investigate Disputes : Under 15 U.S. Code XXXX, XXXX is required to conduct a proper investigation of disputes. However, they have not fulfilled this obligation. Instead, they appear to be relying solely on the information provided by the creditor or collection company, without conducting a thorough review of my claims. 

5. Lack of Document Verification : Furthermore, XXXX has not pulled actual documents to verify the accuracy of the accounts in question, as mandated by 15 U.S. Code 1681. This lack of due diligence compromises the integrity of the credit reporting process and continues to affect my financial opportunities. 

The ongoing inaccuracies in my credit report have significantly hindered my ability to obtain credit, affecting my financial well-being and opportunities since XX/XX/XXXX. The persistent issues I have faced with XXXX violate the FCRA and the CFPA, as I believe they have acted negligently in their duty to maintain accurate consumer information. 

I kindly request that the Consumer Financial Protection Bureau look into this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: AL

Complaint narrative:
I would like to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPBs lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies. My financial institution, and Zelle failed to investigate my claims. I was informed that recovery of funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, NC, 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 2025-01-27 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: SC

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 explanation
Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
I have no knowledge of this alleged collection account. This account is being unfairly reported to my reports. Please supply proof of verification, 1 ) the name and address of the creditor to whom the debt is currently owed, 2 ) The account number used by that creditor 3 ) The amount owed to that creditor 4 ) The date the current creditor obtained the debt If this debt started with a different creditor, please provide the following information of the original creditor : 1 ) The name and address of the original creditor 2 ) The account number used by the original creditor 3 ) The amount owed to the original creditor at the time it was transferred When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Please provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person and provide verification and documentation about why this is a debt that I must now pay.

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