vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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:
I am writing to formally dispute and demand the immediate correction of inaccurate information regarding an account listed on my credit report. The account in question is being reported by : XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX This account has been closed, yet it is still incorrectly reporting as open on my credit report. This misrepresentation is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy in consumer reports.

Furthermore, parroting information provided by data furnishers without conducting an independent verification constitutes willful noncompliance, as affirmed in Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ).

Pursuant to FCRA ( 15 U.S.C. 1681i ), I am requesting : Immediate removal or correction of this accounts status on all three credit bureaus ( TransUnion, Equifax, and Experian ). 
Verification of your independent investigation into this accounts accuracy, including a detailed explanation of the findings. 
If this matter is not corrected within 30 days, as required by law, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General 's Office for failure to comply with federal credit reporting laws.

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 2025-02-11 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: NY

Complaint narrative:
I filed complaint XXXX Equifax 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 unverifable accounts unresolved, The CFPB has already filed a lawsuit against Equifax alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequartely notify consumers of duspute outcomes. These failures align with my experience where Equifax has neither corrected nor removed disouted items despite the evidence I provided, causing omgoing harm to my credit report standing. I am requesting immediate corrective action to removw or amend the disputed accounts, as Equifax 's imaction violated federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: MO

Complaint narrative:
I am filing a complaint against Equifax for failing to property 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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with th necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
To XXXX XXXX I am writing to formally request validation of a debt that XXXX XXXX XXXX XXXX  claims I owe. I believe this debt is erroneous, and I want to ensure my rights are protected under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Details of the Debt : - Creditor : Goldman Sacs /Apple Card I am requesting the following information to validate this debt : 1. The total amount of the debt, including a breakdown of any fees or interest applied. 
2. Documentation showing that Goldman Sacs has the legal right to collect this debt, including a copy of any contract or agreement that connects me to your company.

3. Any records of communications regarding this debt, including the date of the last payment made on the account. 

Please be advised that I have the right to dispute this debt until it has been validated, and I request that all collection activities cease until I receive the requested information. If you can not provide the necessary documentation to validate this debt, I expect that you will remove any related negative information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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 balances despite initially available funds, I believe these practices are unfair and request and 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 2025-02-10 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: NV

Complaint narrative:
Hello these 3 credit agencies have deliberately reported fraud accounts on my report. i sent in the necessary documents needed to get them blocked and these credit agencies haven't done their job. This fraud XXXX account is a clear result of identity theft. 
Pursuant to FCRA 605B law - the agencies SHALL block this fraud information within four business days of receipt.

I WILL SUE ALL PARTIES INVOLVED AND RECEIVE 1K per month for however long this item has been reporting on my credit - for damages.!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC
State: OH

Complaint narrative:
I am writing to formally request validation of the alleged debt associated with the account XXXX. It is crucial for me to ensure the accuracy and legitimacy of this alleged debt. I hereby request debt validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I kindly request that you provide me with the following information : 1. Verification of the existence of the debt and the amount owed, including a breakdown of principal, interest, and any other charges.

2. Detailed documentation outlining the agreement or contract, including the terms and conditions, interest rate, repayment schedule, and any relevant amendments or modifications.

3. Proof of your authority to collect this debt.

4. Verification that the statute of limitations for collecting this debt has not expired.

5. Copies of any statements or records pertaining to the account, including loan statements, payment history, and any correspondence related to the loan.

I want to emphasize that until sufficient validation of the debt is provided, I dispute its validity. According to the FDCPA, you are obligated to provide the requested information within 30 days of receiving this letter. Failure to validate the debt will lead me to assume that the debt is not valid, and I will take appropriate actions to protect my rights.

Furthermore, I kindly request that you halt any collection efforts until the debt has been properly validated. This includes any attempts at communication, whether by phone, mail, or any other means. 

I am hopeful that we can resolve this matter amicably and address any potential misunderstandings. Therefore, I kindly ask for your cooperation in providing the requested documentation within the specified time frame. 

Thank you for your prompt attention to this matter. I anticipate receiving the requested information and resolving this issue in a timely manner. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: MO

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Dispute of Charge-Off Status and Non-Receipt of 1099-C Form Dear Sir/Madam, I am writing to formally dispute the charge-off entry on my credit report for the account with Westlake Financial Services. Specifically, I am disputing the charge-off status and the fact that I have not received a 1099-C ( Cancellation of Debt ) form for this account, which I believe should have been issued to me. 

Here are the details for the disputed account : Account Number : XXXX Creditors Name : Westlake Financial Services Charge-Off Date : XX/XX/XXXX last updated XX/XX/XXXX The IRS requires a 1099-C form to be issued to individuals when their debt has been canceled or forgiven. This form must be provided within a certain timeframe. As of today, I have not received a 1099-C form from Westlake Financial Services , nor have I been notified of any cancellation or forgiveness of debt.

I believe this charge-off status is being reported inaccurately, as I have not received any formal notification or documentation ( such as a 1099-C ) indicating that my debt was officially canceled. In light of this, I respectfully request that the CFPB assist with investigating the validity of this charge-off entry and a correction to my credit report. 

If Westlake Financial Services is unable to provide a 1099-C form or valid proof of debt cancellation, I request that this charge-off entry be removed from my credit report as it may have been reported in error. 


Please complete the investigation and provide me with the results of your findings. If this charge-off is deemed inaccurate or unverifiable, I request that it be removed from my credit report immediately. 

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

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: AZ

Complaint narrative:
This complaint is in reference to complaint XXXX XXXXXXXX, which was closed by CFPB. Calvary responded to the complaint alleging that it had mailed me validation of the debt owed. However, this statement made by Calvary to CFPB is false. Despite multiple requests, Calvary has yet to send me validation of the debt. The only thing they have provided is a printout of credit card transactions for the XXXX XXXX. Despite their inability to validate this debt, Calvary continues to report this debt with the credit reporting agencies. 

I attached the XXXX letter I sent Calvary in XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: FL

Complaint narrative:
Report of Collection Activity in Violation of Antitrust Laws 15 U.S.C. 16 Dear Sir/Madam, I am writing to formally report a collection activity that I believe violates 15 U.S.C. 16, which addresses anticompetitive practices under the Sherman Antitrust Act.

I have encountered a situation where [ briefly describe the situation or the collection agency involved ] has engaged in [ describe the specific actions ] that I believe are detrimental to my rights, violate fair collection practices, and may have broader anticompetitive implications. Specifically, the actions appear to fall within the scope of prohibited conduct under the antitrust laws, which can cause harm to both individuals and the broader market.

Under 15 U.S.C. 16, individuals are granted the right to seek injunctive relief against practices that damage business or property interests. In this case, I request that the CFPB take appropriate action based on the following : Describe the nature of the collection activity Explain why you believe it is anticompetitive or harmful to your business/property Provide any supporting documentation, such as letters or communication with the collection agency ] I kindly request that the CFPB review this matter to determine if any further steps, including pursuing injunctive relief or other legal action, are warranted under the provisions of 15 U.S.C. 16.

Thank you for your attention to this matter. Please do not hesitate to contact me should you need any additional information or documentation related to this report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: CA

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 I 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 2025-02-11 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: CA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) .Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX 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 non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
My personal and financial information was compromised without my authorization. FERPA protects the confidentiality of student records. The breach violates the contract and renders it null and void.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I did not authorize the following inquiries and all inquires listed below are not associated to an open account : MB FIN SVCS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXMERCEDESBENZXXXX XXXX XXXXMERCEDES-BENZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: MO

Complaint narrative:
All my personal information was compromised due to Equifax data breach XXXX  my bank information, debit cards, credit cards my dependents XXXX school information, unauthorized telemarketers and unknown credit checks etc. XXXX reports my personal information was found on XXXX web more than XXXX times. I had to put freeze on all accounts with all three credit bureau and made numerous disputes. But my credit reports continue to have inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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:
I request the immediate removal of the unauthorized accounts from my credit report. I did not open or approve these accounts and am unaware of their source. In compliance with USC 1681g, I ask that they be removed within XXXX  days. Relevant documents are attached for your review.

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